Oct 15, 2026
Choosing between B2B financing and accounts receivable automation solutions can significantly impact your company's cash flow and operational efficiency. While Kickfurther specializes in inventory financing through a consignment model and Billtrust offers enterprise AR automation software, Resolve Pay delivers an integrated platform that combines net terms financing with complete accounts receivable management. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers select the approach that aligns with their working capital needs, growth objectives, and operational capacity.
When B2B sellers evaluate financing and AR solutions, the choice between inventory-specific funding, enterprise software platforms, and integrated financing with automation becomes critical. Three distinct approaches represent fundamentally different philosophies toward managing business cash flow and accounts receivable operations.
Kickfurther operates as an inventory financing platform using a consignment model for consumer packaged goods brands. Billtrust functions as an enterprise AR automation platform covering invoicing, payments, cash application, credit, and collections workflows. Resolve Pay takes a different approach, delivering both net terms financing and complete accounts receivable automation that enables sellers to offer competitive payment terms while maintaining healthy cash flow. This comparison reveals why Resolve Pay's integrated model delivers results for B2B companies that need both immediate cash access and streamlined AR operations.
Key Takeaways
- Kickfurther focuses exclusively on inventory financing for physical product businesses using a consignment model, while Billtrust provides enterprise AR automation software for high-volume invoice processing
- Resolve Pay combines net terms financing with AR automation, enabling sellers to offer flexible payment terms while accessing advances on eligible approved invoices
- Non-recourse financing from Resolve Pay provides protection against covered buyer credit defaults on eligible approved financed invoices
- Billtrust serves enterprises processing high invoice volumes with 95%+ straight-through processing rates, while Kickfurther targets physical product businesses needing pre-sale capital
- Resolve Pay's current product materials state that sellers can receive up to 90% of eligible approved invoice value within 24 hours
- Resolve Pay uses AI-driven underwriting to provide fast credit decisions, including instant results in supported workflows and streamlined business credit assessments
Understanding Invoice Financing: Kickfurther's Inventory Focus vs. Billtrust's AR Specialization
The B2B financing landscape encompasses distinct categories serving different operational models and business objectives. Understanding these fundamental differences helps finance leaders select tools aligned with their growth stage and execution capacity.
What is Invoice Financing?
Invoice financing allows businesses to access capital tied up in unpaid invoices or inventory. Rather than waiting 30 to 90 days for customer payments, companies can receive immediate funding against their receivables or goods. This approach improves working capital without requiring traditional bank loans or equity dilution.
The primary forms include:
- Factoring: Selling invoices to a third party
- Invoice discounting: Borrowing against invoices while retaining ownership
- Consignment financing: Specialized models for inventory funding
- Net terms financing: Advancing cash against buyer payment terms
According to the Federal Reserve's Small Business Credit Survey, working capital remains one of the top financing needs for small and mid-sized businesses, with many seeking alternatives to traditional bank financing.
How Each Platform Addresses Financing
Kickfurther provides consignment-based inventory funding specifically designed for physical products. The platform has funded over $300M to date and operates through a unique structure where investors purchase inventory on consignment.
Billtrust automates a broad range of AR workflows. Its core platform centers on accounts receivable software and payment operations. With over 24 years in the market, the platform serves 2,600+ suppliers and processes invoices for 13M+ buyers.
Resolve Pay bridges these categories by combining sale-time financing with complete AR lifecycle management. The integrated model addresses the cash flow challenge at the moment of sale: sellers can offer Net 30, 60, or 90 terms while accessing Advance Pay on eligible approved invoices.
Kickfurther
Kickfurther's Primary Focus
Kickfurther has carved a niche in inventory financing through its distinctive consignment model. The platform connects brands with investors who purchase inventory on consignment, providing capital without creating traditional debt obligations.
Core Offerings
- Consignment-based inventory funding up to 100% of COGS
- Non-debt, non-equity capital structure
- Flexible payment schedules tied to inventory sales
- Support for seasonal and physical product businesses
- Community marketplace for deal funding
Target Market
Kickfurther is designed for physical product businesses, particularly CPG brands, generally with at least $400K in trailing 12-month revenue, with some businesses between $200K and $400K considered when supported by purchase orders from major retailers. The platform serves seasonal product companies and businesses with physical inventory that need pre-sale capital.
Operational Structure
- Deal-by-deal approval process through investor marketplace
- Requires physical inventory as collateral
- Repayment timing depends on inventory sell-through
- Focus on inventory lifecycle rather than customer receivables
- Does not include AR automation, invoicing, or collections capabilities
The platform addresses a specific working capital need but operates independently from accounts receivable processes. Companies using Kickfurther for inventory funding still require separate solutions for customer invoicing, payment processing, and collections management.
Billtrust
Billtrust's Enterprise AR Platform
Billtrust provides an enterprise AR automation platform and reports more than $1 trillion in annual invoice volume across its network. The company serves primarily enterprise organizations with high invoice volumes and complex AR requirements.
Platform Capabilities
- Invoice delivery: Electronic invoicing across 260+ AP portals with automated compliance
- Cash application: AI-powered matching achieving 95%+ straight-through processing for top clients
- Collections automation: Prioritized follow-up workflows and automated communications
- Credit management: Risk assessment, credit limits, and approval workflows
- Payment processing: Multiple payment methods including ACH, cards, and checks
- Analytics: Real-time dashboards for AR metrics and team performance
Integration Ecosystem
Billtrust reports more than 200 connectors across ERPs, banks, and financial institutions, along with 260+ AP portal integrations that support digital invoice and payment workflows. The extensive AP portal integration enables automatic invoice delivery to buyer systems, reducing manual processing.
Performance Metrics
According to IDC research, Billtrust customers achieve 384% ROI with the platform. Case studies report outcomes including:
- Average 16% DSO reduction
- 34% AR team efficiency improvement
- Seven days faster payment collection in specific implementations
Implementation Considerations
Billtrust deployments typically require significant implementation effort, spanning weeks to months depending on complexity. The platform serves organizations with dedicated AR teams and IT resources for integration and ongoing management.
Billtrust provides comprehensive AR automation. The software improves efficiency and reduces DSO through better processes, but does not provide immediate cash access against receivables.
Resolve Pay
Resolve Pay's Integrated Net Terms and AR Platform
Resolve Pay operates as a B2B payments platform that combines net terms financing with complete accounts receivable automation. Resolve Pay was spun out of Affirm in 2018 and draws on fintech and credit expertise that includes experience at companies such as Amazon and PayPal. The platform serves more than 15,000 businesses across manufacturing, distribution, and wholesale industries.
Net Terms Financing (Advance Pay)
Resolve Pay enables sellers to offer Net 30, 60, or 90 payment terms to business buyers while accessing Advance Pay on eligible approved invoices. Current product materials state that Resolve Pay can advance up to 90% of an approved invoice within 24 hours, with the applicable advance structure determined by the transaction and program terms.
Key financing features:
- Non-recourse structure on approved invoices transfers default risk to Resolve Pay
- Funding on eligible approved invoices within 24 hours
- Support for flexible Net 30, 45, 60, and 90 term structures, depending on the program
- Non-recourse Advance Pay available for eligible approved transactions
- Competitive fee structure based on payment term length
AI Credit Engine
Resolve Pay uses AI-driven underwriting to provide fast credit decisions, including instant results in supported workflows and streamlined business credit assessments. Resolve Pay combines AI, behavioral signals, and credit expertise to streamline business credit decisions. Supported workflows can provide instant results, while Resolve Pay's business credit-check materials state that personalized assessments can be delivered within 24 business hours.
Credit engine capabilities:
- Real-time decisions for credit applications in supported workflows
- Dynamic credit lines that adjust based on payment behavior
- Discreet credit assessments that can begin with a business name and address
- AI-driven underwriting designed to reduce manual credit-review work
AR Automation Platform
Beyond financing, Resolve Pay provides complete accounts receivable management including:
- Automated invoice generation synced from ERP and accounting systems
- ML-powered payment reconciliation matching invoices to cash automatically
- Real-time AR dashboard showing DSO, aging, and portfolio health
- Two-way sync with QuickBooks, Xero, Sage Intacct, and NetSuite
Agentic Collections
Resolve Pay's agentic collections capabilities automate multi-channel follow-up sequences including email, SMS, and voice AI outbound calls. The system uses intelligent escalation based on buyer response patterns and payment history.
Collections features include:
- Configurable day thresholds for communication sequences
- Automatic pause when payment or dispute received
- Complete interaction logging to invoice records
- Professional tone preservation for customer relationships
White-Label Payment Portal
Buyers interact through a branded portal showing invoices, credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check. The white-label experience maintains seller brand identity throughout the buyer journey.
Implementation and Integration
Resolve Pay offers native integrations with major ecommerce platforms (Shopify, BigCommerce, Magento, WooCommerce) and accounting systems. Most teams launch within one week, with some implementations completing in hours.
Customer Results
Documented outcomes from Resolve Pay customers demonstrate the platform's impact:
- Archipelago Lighting: Tripled revenue, reduced net terms approval time from 10 days to 24 hours
- ConEquip: Achieved 30% year-over-year growth
- Trenchless Supply: Reduced AR workload by 90%, credit approvals under 24 hours
- Elston Materials: Increased margins from 25% to 30%
- SS&SI Dealer Network: 5x revenue growth
- Nandansons: 75% growth through streamlined B2B payments
Optimizing Business Cash Flow: Comparing All Three Approaches
Cash flow management sits at the center of B2B operations, yet each platform addresses this challenge differently. Understanding these distinctions helps businesses select the right approach for their specific situation.
The Cash Flow Challenge in B2B
B2B sellers face a fundamental tension: buyers expect payment terms (Net 30/60/90) while sellers need consistent cash flow to fund operations, inventory, and growth. According to the U.S. Small Business Administration, cash flow management remains one of the most critical challenges for growing businesses.
Cash flow differs from profit in important ways. A profitable business can still face cash crunches when revenue sits locked in unpaid invoices. Days Sales Outstanding (DSO) measures how long receivables remain outstanding, directly impacting available working capital.
How Each Platform Impacts Cash Flow
Kickfurther's Cash Flow Model:
Kickfurther addresses pre-sale cash needs by funding inventory purchases. The consignment model provides capital before products sell, with repayment aligned to actual sales velocity.
- Funds available for inventory before customer orders
- Does not accelerate customer payment collection
- No direct impact on receivables or payment timing
Billtrust's Cash Flow Model:
Billtrust improves cash flow indirectly through automation efficiency. Faster invoice delivery, automated collections, and streamlined cash application reduce the time between sale and payment.
- Serves high invoice volumes with manual processing bottlenecks
- Average 16% DSO reduction through process improvement
- Customers still pay on original terms with incremental improvement
Resolve Pay's Cash Flow Model:
Resolve Pay transforms cash flow by converting receivables to immediate cash while buyers maintain their payment terms.
- Sellers offering net terms who need immediate working capital
- Eligible approved invoices can be converted into cash substantially sooner
- Advance Pay can reduce the time sellers wait to access cash from eligible approved invoices
Why Resolve Pay Fits B2B Sellers
Kickfurther, Billtrust, and Resolve Pay address different parts of the working-capital and receivables cycle. For B2B sellers focused on extending net terms while improving cash flow and automating receivables, Resolve Pay brings credit decisioning, Advance Pay, invoicing, payments, reconciliation, and collections into one connected platform.
Resolve Pay Is Designed For
Resolve Pay is particularly relevant when a seller needs to connect several parts of the credit-to-cash process:
- Offering or planning to offer flexible net payment terms to B2B buyers
- Accessing cash sooner on eligible approved invoices
- Non-recourse protection for covered buyer-default risk
- Credit, invoicing, payments, reconciliation, and collections connected in one workflow
- Generating approximately $1M or more in annual B2B revenue
- Operating in manufacturing, wholesale distribution, industrial supply, building materials, medical supply, or similar B2B sectors
- Needing integrations with major ecommerce, accounting, and ERP systems
Industries Resolve Pay Serves
Resolve Pay is designed primarily for mid-market B2B sellers, including:
- HVAC, electrical, and plumbing distributors
- Industrial equipment suppliers
- Building and construction materials businesses
- Medical and pharmaceutical distributors
- Wholesalers and other physical-goods B2B sellers
These companies commonly need to extend competitive payment terms while protecting cash flow and reducing the manual work involved in credit and accounts receivable.
Long-Term Partnership Value
Beyond initial implementation, Resolve Pay's integrated approach provides ongoing value:
Scalability: Resolve Pay scales with transaction volume without requiring proportional headcount. As your business grows, the platform handles increased volume through automation rather than additional AR staff.
Complete AR Lifecycle: Mid-market companies often outgrow initial solutions. Resolve Pay's integrated approach accommodates growth from early net terms adoption through sophisticated multi-channel collections and complete AR automation.
Support Model: Resolve Pay provides dedicated partner success management and expert AR teams that handle buyer follow-ups. This hybrid model combines automation with human expertise for complex situations.
Frequently Asked Questions
How Does Resolve Pay's Non-Recourse Financing Differ From Traditional Factoring?
Factoring can use either recourse or non-recourse structures depending on the provider and agreement. Resolve Pay provides non-recourse financing for eligible approved invoices, meaning Resolve Pay assumes the applicable covered buyer-default risk subject to program terms. This allows sellers to access an advance while combining financing with credit decisioning, invoicing, payments, and AR automation.
How Quickly Can Sellers Access Advance Pay Through Resolve Pay?
Resolve Pay's current product materials state that sellers can receive up to 90% of eligible approved invoice value within 24 hours. Available advance percentages and eligibility depend on the transaction and applicable program terms.
What Systems Does Resolve Pay Integrate With?
Resolve Pay integrates with major accounting and ERP systems including QuickBooks Online, Xero, Sage Intacct, and NetSuite. Ecommerce integrations include Shopify, BigCommerce, Magento 2, and WooCommerce. Resolve Pay also offers APIs, webhooks, and a sandbox environment for custom integrations.
How Does Resolve Pay Automate Accounts Receivable?
Resolve Pay can automate invoicing, payment reminders, reconciliation, collections, and transaction syncing. Its agentic collections tools coordinate outreach through email, SMS, voice, and the payment portal, while automated sequencing can pause when a payment or dispute is received.
What Types of Businesses Are a Good Fit for Resolve Pay?
Resolve Pay is designed primarily for B2B merchants generating approximately $1M or more in annual revenue, especially manufacturers, distributors, wholesalers, and suppliers whose customers request invoice-based payment terms. The platform helps these businesses combine flexible terms with faster access to cash, credit management, and accounts receivable automation.
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.
