Choosing the right business financing solution requires understanding where each option fits within your cash flow cycle. Kickfurther specializes in pre-sale inventory financing through a consignment marketplace model for consumer product brands, while CAN Capital provides access to working capital loans made by WebBank for general business expenses. Resolve Pay delivers post-sale B2B trade credit financing that enables manufacturers, distributors, and wholesalers to offer Net 30/60/90 payment terms while receiving upfront cash advances on eligible approved invoices. Understanding these fundamental differences helps mid-market B2B sellers select the approach that matches their operational needs, customer relationships, and growth objectives.
When B2B sellers evaluate business financing options, the choice between inventory funding, general working capital, and trade credit financing becomes critical. Three distinct approaches represent fundamentally different philosophies toward business financing. Kickfurther operates as a consignment marketplace funding inventory before it sells. CAN Capital functions as a loan facilitator providing working capital through WebBank with scheduled repayment terms. Resolve Pay takes a different approach, delivering post-sale B2B trade credit financing that enables sellers to offer customer payment terms while improving cash flow and reducing exposure to covered buyer credit defaults.
This comparison reveals why Resolve Pay's integrated approach delivers results for B2B companies that need to extend payment terms to business buyers while maintaining healthy cash flow.
The business financing market encompasses three distinct categories, each serving different operational models and stages of the cash flow cycle. Understanding these fundamental differences helps finance leaders select solutions aligned with their specific challenges and growth objectives.
Pre-sale inventory financing through platforms like Kickfurther addresses the challenge of funding product purchases before sales occur. This model serves consumer product brands needing capital to manufacture or purchase inventory ahead of seasonal demand or retail orders.
General working capital loans from providers like CAN Capital offer unrestricted funds for any business purpose. According to the U.S. Small Business Administration, working capital financing helps businesses cover short-term operational expenses like payroll, rent, and inventory.
Post-sale trade credit financing through platforms like Resolve Pay addresses a fundamentally different challenge: enabling B2B sellers to offer customers Net 30/60/90 payment terms without waiting 30-90 days for cash. This model serves manufacturers, distributors, and wholesalers whose business buyers expect deferred payment but whose operations require immediate cash flow.
The critical distinction lies in timing and purpose:
For B2B companies extending payment terms to business customers, Resolve Pay offers the most directly aligned solution. The platform combines AI-powered credit decisioning, invoice advances, and complete AR automation in a single integrated platform designed specifically for trade credit management.
Kickfurther positions itself as an inventory financing marketplace connecting consumer product brands with individual backers who fund inventory purchases. The platform operates on a consignment model where brands receive funding to purchase inventory, then repay backers as products sell.
The consignment structure aligns repayment with actual sales velocity. Brands don't make fixed payments regardless of performance. Instead, they pay backers as inventory moves, which can reduce cash flow pressure during slow sales periods.
Several characteristics define Kickfurther's approach:
The platform has channeled $300M+ in inventory financing to product brands, demonstrating meaningful traction in the CPG and consumer goods sector.
Kickfurther reviews inventory demand, sales history, business credit information, and other eligibility factors. Its underwriting considers the business's ability to sell and manage financed inventory. The marketplace model means deals must attract sufficient backer interest before funding occurs.
Kickfurther's model serves brands facing inventory-timing challenges:
Kickfurther's financing structure is organized around inventory purchases and subsequent product sales. Its underwriting and funding process focuses on inventory-related business needs.
CAN Capital provides access to working capital loans made by WebBank and offers equipment financing through its equipment finance division. Its financing solutions serve small and medium-sized businesses seeking funding for operational expenses, equipment purchases, and growth opportunities. Founded in 1998, the company has funded $8.9 billion across more than 90,000 merchants over its operating history.
The platform facilitates two primary financing products:
Working Capital Loans:
Equipment Financing:
CAN Capital's working capital loans involve contractual repayment schedules, underwriting requirements, and applicable personal guarantees. Business owners provide personal guarantees for applicable term loans. Eligibility typically requires established business history and qualifying credit profiles.
CAN Capital's model serves businesses with various funding needs:
CAN Capital's working capital loans involve scheduled payments according to the loan agreement. These arrangements are designed to support general business funding needs.
Resolve Pay operates as a B2B payments platform specifically designed for manufacturers, distributors, and wholesalers extending Net 30/60/90 payment terms to business customers. The platform combines invoice financing with complete accounts receivable automation in a single integrated solution.
When sellers offer payment terms through Resolve Pay:
This structure enables B2B sellers to offer competitive payment terms while receiving upfront advances on eligible approved invoices. Resolve Pay also provides non-recourse protection against covered buyer credit defaults, subject to program terms and exclusions.
Beyond invoice financing, Resolve Pay provides accounts receivable automation that helps reduce manual workload:
Customer-specific results include a reported 90% reduction in AR work for Trenchless Supply, although results vary by business and implementation. Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours.
The platform provides ERP and ecommerce integrations with systems including NetSuite, QuickBooks Online, Xero, BigCommerce, Magento, and WooCommerce. Shopify connectivity is also supported through applicable custom workflows. Available synchronization capabilities depend on the integration and configuration, helping businesses reduce manual invoice entry and payment reconciliation work.
The integrated approach eliminates the need for separate tools for credit checks, invoice financing, collections management, and payment processing. 15,000+ businesses actively use the platform, including established distributors in HVAC, electrical supplies, construction materials, and medical equipment. Resolve Pay received the 2025 BigCommerce Innovative Integration Award for its connected commerce capabilities.
Eligibility depends on the seller's business profile, onboarding requirements, and the creditworthiness of its buyers. Resolve Pay evaluates buyers using business credit information and other available data.
Approval depends on the relevant business and buyer profiles, and newer businesses or buyers with limited credit histories may face additional restrictions. Sellers should confirm their eligibility and available financing options directly with Resolve Pay.
The three financing approaches differ fundamentally in what they finance and how they structure repayment:
Kickfurther (Inventory-Based):
CAN Capital (Working Capital Loans):
Resolve Pay (Invoice-Based):
Each model creates different operational dynamics:
Inventory financing:
Working capital loans:
Trade credit financing:
For B2B sellers managing customer payment terms, Resolve Pay's invoice-based model directly addresses the timing gap between completing sales and receiving payment while supporting credit management and accounts receivable operations.
B2B sellers face a fundamental tension: business customers expect payment terms, but sellers need cash to operate. Resolve Pay addresses this challenge through integrated trade credit financing.
When B2B sellers use Resolve Pay's B2B payments platform, they can receive upfront advances on eligible approved invoices while customers pay on agreed terms. Non-recourse protection addresses covered buyer credit defaults, subject to program terms and exclusions.
Customer results demonstrate the cash flow impact:
Credit risk management differs significantly across financing models. Kickfurther focuses on inventory demand and sales performance. CAN Capital requires personal guarantees, shifting ultimate liability to business owners. Resolve Pay's non-recourse structure means sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms.
Resolve Pay's AI credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. This automated underwriting replaces manual trade reference calls and spreadsheet tracking while enabling sellers to confidently extend terms to customers they couldn't previously approve.
Resolve Pay customers demonstrate the operational impact of integrated trade credit financing:
These results share common patterns: rapid implementation (most teams launch in under one week), immediate cash flow improvement, and operational efficiency gains that compound over time.
For manufacturers, wholesalers, and distributors, customer payment terms are an important part of building strong buyer relationships. Managing those terms effectively requires reliable credit assessments, predictable cash flow, and efficient accounts receivable operations.
Resolve Pay brings these capabilities together through net terms financing, AR automation, and collections management.
Key platform advantages for B2B sellers:
With upfront advances on eligible approved invoices, AI-powered buyer credit assessments, and non-recourse protection against covered buyer credit defaults, Resolve Pay helps B2B sellers offer flexible payment terms while maintaining greater control over their cash flow.
Trusted by more than 15,000 B2B businesses and recognized with the 2025 BigCommerce Innovative Integration Award, Resolve Pay provides a connected platform for managing credit, payments, and receivables as businesses grow.
Inventory financing provides funding to purchase or produce goods before they are sold. Trade credit financing addresses the period between a completed B2B sale and the customer's payment due date. Resolve Pay supports trade credit financing by offering upfront advances on eligible approved invoices while allowing business buyers to pay according to their approved net terms.
Resolve Pay provides non-recourse protection against covered buyer credit defaults on eligible approved financed invoices, subject to program terms and exclusions. Its AI-powered credit assessment process evaluates business buyers before approving payment terms. Disputes involving merchandise, delivery, or merchant errors are handled separately and are not automatically covered by non-recourse credit protection.
Eligibility depends on the seller's business profile, onboarding requirements, and the creditworthiness of its buyers. Resolve Pay evaluates buyers using business credit information and other available data. Very new or small business buyers may face additional eligibility restrictions. Sellers should confirm their eligibility and available financing options directly with Resolve Pay.
Resolve Pay typically provides upfront advances on eligible approved invoices within 24-48 hours, subject to processing requirements and program terms. The advance amount depends on underwriting and the applicable financing arrangement. Buyers can continue paying according to their approved net terms, helping sellers maintain cash flow without waiting for the full payment period.
Resolve Pay brings buyer credit assessment, invoice financing, payment processing, reconciliation, and collections automation into one B2B platform. Its integrations with supported accounting, ERP, and ecommerce systems help reduce manual administrative work. The platform also provides branded buyer payment experiences and receivables visibility, allowing finance teams to manage payment terms and customer accounts more efficiently.
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.