Selecting the right financing solution can determine whether your B2B business scales efficiently or struggles with cash flow gaps. Kickfurther provides inventory consignment funding for CPG brands, while Greenbox Capital offers merchant cash advances for working capital needs. Both address different stages of the business cycle than post-sale receivables financing. Resolve Pay delivers non-recourse net terms combined with integrated AR automation, enabling B2B suppliers to offer Net 30/60/90 payment terms while receiving upfront advances and reducing covered buyer credit risk on eligible approved invoices. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers select the approach that matches their specific cash flow timing needs.
The business financing market encompasses distinct categories serving different operational models and timing needs.
Pre-sale inventory financing helps product-based businesses fund manufacturing or purchasing before revenue materializes. Brands with large purchase orders or seasonal inventory needs use this capital to produce goods they will sell later. The funding arrives before sales happen, with repayment governed by the consignment agreement.
General working capital solutions provide capital for business expenses ranging from payroll to marketing and operational needs.
Post-sale receivables financing converts outstanding B2B invoices into immediate cash. When suppliers extend Net 30/60/90 payment terms to business customers, they create a timing gap between delivery and payment. Receivables financing closes this gap while buyers maintain their agreed payment schedules.
The critical distinction lies in when the cash flow gap occurs. Before revenue exists, inventory financing addresses the gap. After sale but before payment, receivables financing fills the need. For general operational expenses, working capital bridges various business requirements.
Kickfurther operates in the pre-sale category, funding inventory production for CPG brands. Greenbox Capital provides working capital through merchant cash advances. Resolve Pay addresses post-sale receivables, enabling B2B suppliers to offer competitive payment terms while maintaining healthy cash flow.
Kickfurther operates a marketplace model where CPG brands create funding "Co-Ops" for inventory production needs. Individual buyers on the Kickfurther platform contribute capital toward these Co-Ops, providing consignment funding for inventory purchases.
Kickfurther funds qualifying inventory purchases or production through its Co-Op consignment model. Businesses must report inventory sales and make payments according to their contractual schedules. Payment obligations generally arise when funded inventory is sold or shipped, even if the business has not yet collected payment from its customers.
Funding structure:
Operational requirements:
Ideal applications:
While inventory consignment financing focuses on funding goods before sales occur, Resolve Pay supports the next stage of B2B commerce. Its platform combines buyer credit assessments, net terms financing, invoicing, payment management, and collections automation to help suppliers manage outstanding receivables.
Greenbox Capital provides merchant cash advances (MCAs) and other working capital products. Under its MCA model, the company purchases a portion of future business sales in exchange for upfront capital. Repayment arrangements may involve daily or weekly deductions, with fixed or sales-based structures depending on the agreement.
Approval processes focus on speed and accessibility for businesses needing emergency capital. This approach makes funding available for businesses across various credit profiles.
Funding structure:
Funding considerations:
Customer experience considerations:
Ideal applications:
Resolve Pay focuses on helping B2B suppliers manage customer credit and outstanding invoices. Its platform combines buyer underwriting, flexible net terms, non-recourse financing on eligible approved invoices, and automated AR workflows. These capabilities support businesses that want to offer trade credit while maintaining predictable cash flow.
Resolve Pay enables B2B suppliers to offer flexible net payment terms while accessing upfront cash on eligible approved invoices. The platform uses AI-powered credit assessments to evaluate business buyers and determine credit eligibility. Once an eligible invoice from an approved buyer is submitted and accepted for financing, Resolve Pay typically advances funds within one to two business days, subject to program terms.
Resolve Pay's non-recourse structure generally protects sellers from repayment obligations arising solely from covered buyer credit defaults on eligible approved financed invoices, subject to program terms. Unlike recourse factoring, where sellers may be required to repurchase unpaid invoices, Resolve Pay combines this protection with integrated buyer credit assessments, payment workflows, and accounts receivable automation.
Net terms financing:
AI-powered credit engine:
Full AR automation:
White-label buyer experience:
Resolve Pay connects with existing business systems to streamline financial workflows and reduce manual data entry:
Resolve Pay's ERP and ecommerce integrations support automated data synchronization and reconciliation workflows. Depending on the connected platforms and configuration, some records may require additional setup or manual reconciliation. Implementation timelines vary based on integration complexity and business requirements.
B2B suppliers using Resolve Pay report measurable improvements:
Different financing solutions address different stages of the B2B business cycle. Inventory consignment financing supports the purchase or production of goods before customer sales occur. Consignment financing generally requires businesses to track inventory sales and meet payment obligations under the applicable agreement.
Merchant cash advances provide upfront capital in exchange for a portion of future business sales. Repayment arrangements can vary based on the provider and financing agreement.
Resolve Pay finances receivables after B2B sales complete. The platform advances funds on eligible approved invoices while buyers pay according to their agreed net terms.
Resolve Pay provides non-recourse protection, meaning sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. The seller keeps the advance on approved invoices even if the buyer defaults.
Kickfurther uses a consignment structure that establishes ownership interests in funded inventory and its proceeds. Businesses must report sales, follow contractual payment schedules, and comply with their Co-Op agreements.
Greenbox Capital structures involve purchasing a portion of future business sales. Repayment schedules and recourse obligations depend on the specific financing agreement.
Businesses evaluating financing solutions should consider operational requirements alongside funding access.
AR workload: Resolve Pay reduces manual work through automated invoicing, reconciliation, and collections. Kickfurther requires inventory tracking and sales reporting. Greenbox Capital focuses on funding rather than operational workflows.
System integration: Resolve Pay offers integrations with major ERP, accounting, and ecommerce platforms, with synchronization capabilities depending on the connected system. Kickfurther's inventory tracking and sales reporting are central to its Co-Op management process. Greenbox Capital focuses on working capital financing and repayment management.
Buyer experience: Resolve Pay provides a white-label portal with multiple payment options for business customers. Kickfurther and Greenbox Capital focus on funding the seller rather than creating buyer-facing experiences.
Resolve Pay helps manufacturers, wholesalers, distributors, and B2B ecommerce suppliers manage the gap between completing sales and collecting customer payments. By combining non-recourse net terms financing with automated receivables workflows, the platform supports both cash flow management and operational efficiency.
Resolve Pay brings these capabilities together in one platform, helping suppliers support business growth without relying entirely on manual credit and collections processes.
B2B businesses often experience cash flow gaps after delivering products or services but before customers pay outstanding invoices. These delays can affect purchasing, inventory replenishment, payroll, and business expansion.
Resolve Pay addresses this challenge by connecting credit decisions, invoice financing, and receivables management in a single platform. The workflow is straightforward:
This integrated process helps suppliers maintain working capital while offering customers flexible payment terms. For businesses seeking to reduce manual administration, Resolve Pay's AR automation helps centralize invoicing, payment visibility, and collections management.
By bringing financing and receivables workflows together, Resolve Pay supports more predictable cash flow and a more efficient B2B credit-to-cash process.
Kickfurther and Greenbox Capital address different business financing needs, including inventory funding and general working capital. For manufacturers, wholesalers, distributors, and B2B ecommerce suppliers managing customer payment terms, Resolve Pay provides an integrated approach to receivables financing and automation.
With Resolve Pay's net terms, businesses can offer flexible payment options while accessing upfront advances on eligible approved invoices. Non-recourse protection against covered buyer defaults, AI-powered credit assessments, and automated collections help reduce the operational burden of managing B2B credit.
Resolve Pay also connects invoicing, payments, and reconciliation through supported business integrations, helping suppliers maintain financial visibility as they grow.
For B2B businesses seeking a connected credit-to-cash solution, Resolve Pay provides the tools to support customer purchasing flexibility, accelerate cash flow, and streamline accounts receivable management.
Inventory consignment financing supports the purchase or production of goods before customer sales occur. Consignment financing generally requires businesses to track inventory sales and meet payment obligations under the applicable agreement. Merchant cash advances provide upfront capital in exchange for a portion of future business sales. Repayment arrangements can vary based on the provider and financing agreement. Resolve Pay operates differently from both, advancing cash on B2B invoices with non-recourse protection on eligible approved invoices.
Traditional factoring may be structured with or without recourse. In recourse factoring, sellers generally remain responsible for certain unpaid invoices, while non-recourse arrangements transfer specified credit risks to the financing provider. Resolve Pay provides non-recourse protection against covered buyer defaults on eligible approved financed invoices, subject to program terms, while also integrating credit decisioning, payment management, and AR automation. The seller keeps the advance even if the approved buyer defaults.
Resolve Pay primarily serves established B2B suppliers, including manufacturers, wholesalers, distributors, and ecommerce businesses. Businesses generally need at least $1 million in annual B2B revenue to meet minimum eligibility requirements. Approval also depends on business underwriting, buyer creditworthiness, and the eligibility of invoices submitted for financing.
Resolve Pay serves B2B suppliers, distributors, and wholesalers in industries including HVAC parts, electrical supplies, industrial equipment, medical devices, and construction materials. The platform works best for businesses extending net payment terms to business customers and seeking to reduce manual accounts receivable administration while maintaining predictable cash flow.
Resolve Pay typically advances funds within one to two business days after an eligible invoice from an approved buyer is submitted and accepted for financing. Credit decisions may be completed quickly using AI-powered underwriting, although additional verification can affect timing. Advance amounts and funding eligibility depend on the approved buyer, invoice, and applicable program terms.
This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.