B2B financial operations require different solutions at different stages of the cash conversion cycle. While Kickfurther specializes in pre-sale inventory financing for physical product brands and AvidXchange focuses on buyer-side accounts payable automation, Resolve Pay delivers comprehensive net terms financing and accounts receivable automation for B2B sellers who need immediate cash flow while offering competitive payment terms to their customers. Understanding these fundamental differences helps manufacturers, wholesalers, and distributors select the right platform for their specific operational needs and growth objectives.
The B2B financial technology market encompasses distinct categories serving different operational needs throughout the cash conversion cycle. Selecting the right solution requires understanding where each platform fits within your business workflow.
Resolve Pay's post-sale AR financing and automation addresses the seller's challenge of offering competitive payment terms without depleting working capital. When B2B sellers extend Net 30, 60, or 90 day terms, they wait weeks or months for payment. Accounts receivable automation combined with invoice advances solves this cash flow constraint while handling collections and credit management.
Kickfurther's pre-sale financing addresses inventory production and procurement before goods reach customers. Physical product brands often face cash constraints when placing large manufacturing orders, creating gaps between capital outlay and eventual sales revenue.
AvidXchange's buyer-side AP automation serves the opposite end of the transaction. When companies purchase goods and services from suppliers, AP automation streamlines invoice processing, approval workflows, and payment execution for accounts payable teams managing high invoice volumes.
The critical distinction lies in who benefits and when:
Kickfurther positions itself as an inventory financing marketplace connecting physical product brands with community investors who fund production runs. The platform has funded over $300 million in inventory since launching in 2014.
Kickfurther operates on a consignment structure where:
This structure keeps financing off the balance sheet since consignment is not classified as debt. Repayment aligns with actual sales velocity rather than fixed schedules, and brands retain full control over pricing and distribution.
Kickfurther can fund up to 100% of inventory costs for qualified brands. Kickfurther structures its inventory funding around a consignment model, with repayment tied to the agreed funding arrangement and inventory sales. Approval typically takes around 72 hours with funding following shortly after successful co-op completion.
Qualification requirements include $400K+ trailing twelve month revenue for most brands, though brands with $200K-$400K revenue can qualify with strong purchase orders.
Kickfurther focuses on inventory funding for physical product businesses through its consignment model. Its workflow centers on financing inventory before it is sold, with funding provided through its marketplace structure.
For B2B sellers focused on customer credit, net terms, receivables, and collections after a sale, Resolve Pay addresses a different stage of the financial workflow by combining credit decisioning, invoice advances, payments, and AR automation.
AvidXchange operates as an accounts payable automation platform helping companies process supplier invoices and execute payments efficiently. With 25 years in business, the company has built comprehensive AP workflows serving mid-market organizations.
The platform provides end-to-end accounts payable processing:
AvidXchange maintains 200+ integrations across accounting, ERP, and property management systems including QuickBooks, Xero, Sage, NetSuite, Microsoft Dynamics, SAP, Acumatica, and specialized property management platforms like Yardi and MRI.
This integration breadth makes AvidXchange particularly relevant for industries like real estate, construction, healthcare, and hospitality where specialized property management or vertical ERP systems dominate.
AvidXchange addresses buyer-side payment workflows including invoice processing efficiency, approval workflow management, payment optimization, and supplier relationships. The platform focuses on helping companies manage their supplier payments rather than addressing seller-side challenges like extending credit to customers or collecting receivables.
Resolve Pay operates as a B2B payments platform that enables manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and reducing credit risk on eligible approved transactions. The platform combines credit decisioning, invoice financing, AR automation, and payment processing in a unified solution.
Resolve Pay's integrated platform addresses the complete post-sale workflow for B2B sellers:
Resolve Pay provides native integrations with major e-commerce and accounting platforms:
Most teams launch within one week with two-way sync ensuring invoice and payment data flows automatically between systems.
Resolve Pay serves mid-market B2B sellers with $1M+ annual revenue across industries including HVAC parts distribution, electrical and plumbing supplies, industrial equipment manufacturing, medical and pharmaceutical distribution, construction materials supply, and janitorial and safety equipment.
Understanding how each platform connects with existing business systems helps assess implementation complexity and ongoing maintenance requirements.
Resolve Pay provides native integrations with major e-commerce platforms (Shopify, BigCommerce, WooCommerce, Magento 2) and accounting systems (QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite). The platform also offers REST API with webhooks and sandbox environments for custom integrations. Most teams launch within one week with two-way sync ensuring automatic data flow.
Kickfurther offers limited integrations focused primarily on connecting with brands' sales channels to track inventory movement and sales. The marketplace model requires less deep system integration since the platform primarily tracks consignment inventory rather than managing ongoing financial workflows.
AvidXchange maintains 200+ integrations across accounting, ERP, and industry-specific systems, with particular strength in property management platforms. Implementation typically requires 4-12 weeks depending on complexity and the number of approval workflows being configured.
For manufacturers, wholesalers, and distributors focused on growing B2B sales while maintaining healthy cash flow, Resolve Pay provides capabilities specifically designed for the post-sale credit-to-cash workflow.
Resolve Pay's non-recourse structure provides protection against covered buyer defaults on eligible approved financed invoices. When you extend Net 60 terms to an approved customer and they fail to pay, Resolve manages collections and you're generally protected from repayment obligations arising solely from covered buyer defaults, subject to program terms.
This protection enables more aggressive growth strategies. Sales teams can pursue larger accounts and new customer segments without finance teams worrying about concentration risk or bad debt exposure on approved transactions.
Resolve Pay helps sellers shorten the gap between invoicing and access to working capital. Advance Pay provides up to 90% upfront on approved invoices within 24 hours, with some approved configurations supporting advances of up to 100%.
Instead of waiting for a customer's full net terms period to mature, eligible B2B sellers can access cash sooner while their buyers retain approved payment terms. This makes Resolve Pay particularly relevant for manufacturers, wholesalers, and distributors that want to improve cash flow without disrupting the buyer experience.
AR automation extends beyond financing to operational efficiency:
Customer results demonstrate the operational impact. Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours. Archipelago Lighting tripled revenue while reducing net terms approval from 10 days to 24 hours. ConEquip achieved 30% year-over-year growth while Elston Materials increased margins from 25% to 30%.
Resolve Pay's native integrations with Shopify, BigCommerce, WooCommerce, and Magento enable embedded net terms at checkout. B2B e-commerce sellers can offer instant credit decisions and deferred payment options without custom development.
Customer outcomes demonstrate the tangible impact of combining net terms financing with AR automation for B2B sellers.
SS&SI Dealer Network achieved 5x revenue growth by offering competitive net terms to dealer customers without straining their own cash position.
Nandansons experienced 75% growth through their partnership, replacing two separate vendors with Resolve Pay's integrated platform.
Shields Childcare Supplies won new business by offering Net 90 terms they could not extend independently, opening customer segments previously inaccessible due to cash flow constraints.
RentAll Construction reported quicker receivables directly contributing to healthier cash flow management, enabling reinvestment in equipment and expansion.
Resolve Pay helps B2B sellers offer net terms to qualified business customers while accessing cash sooner on eligible approved invoices. The platform connects credit decisioning, invoicing, payments, reconciliation, and collections within the seller's accounts receivable workflow. Qualifying approved transactions can also receive non-recourse protection against covered buyer default risk.
Yes, Resolve Pay provides native integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform also connects with major e-commerce systems including Shopify, BigCommerce, WooCommerce, and Magento 2. Two-way sync ensures invoice and payment data flows automatically between systems, with most teams launching within one week.
Resolve Pay serves mid-market B2B sellers with typically $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. Primary customer segments include HVAC parts distributors, electrical and plumbing suppliers, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers needing to offer competitive payment terms.
Resolve Pay's financing is centered on eligible approved B2B invoices rather than pre-sale inventory purchases. Advance Pay can provide up to 90% upfront on approved invoices within 24 hours, with some approved configurations supporting advances of up to 100%. This helps sellers access working capital sooner instead of waiting for customer payment terms to mature.
Resolve Pay's AI-powered credit engine evaluates thousands of buyer data points to make credit decisions within 24 hours. Approved transactions include non-recourse protection, providing sellers with protection against covered buyer defaults on eligible approved financed invoices. This structure enables sellers to extend generous payment terms to new customers with reduced bad debt exposure on approved transactions.
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.