Kickfurther vs Clearco

Choosing the right funding solution for your business can determine whether you scale successfully or struggle with cash flow constraints. While Kickfurther offers consignment-based inventory financing for CPG brands and Clearco provides revenue-based advances for ecommerce businesses, neither addresses the unique challenges B2B companies face when extending payment terms to their customers.

Resolve Pay's net terms financing delivers a fundamentally different approach, enabling manufacturers, distributors, and wholesalers to offer Net 30/60/90 payment terms while receiving immediate cash and protection against covered buyer defaults on eligible approved financed invoices.

Key Takeaways

• Kickfurther specializes in consignment-based inventory financing with payment tied to actual sales, offering up to 100% of inventory costs for CPG brands with $200K+ trailing 12-month revenue
• Clearco has deployed over $3B to 10,000+ businesses through revenue-based financing, typically requiring $100K+ monthly revenue for eligibility with capped weekly payments that adjust based on performance
• Resolve Pay serves 15,000+ businesses with non-recourse B2B net terms financing, advancing up to 90% of invoice value within 24-48 hours while protecting sellers from covered buyer defaults
• Kickfurther's marketplace-based funding model ties repayment to inventory sales, which accommodates seasonal fluctuations but introduces timing variability based on investor participation
• Clearco uses capped weekly payments, with repayment amounts that can adjust based on revenue performance, subject to the funding agreement
• Resolve Pay combines net terms financing with integrated AR automation, AI-powered buyer credit decisions, and automated collections in a single platform

Understanding the Funding Landscape

The business financing market encompasses distinct categories, each serving different operational models. Inventory financing platforms like Kickfurther serve physical product companies needing capital to fund production runs. Revenue-based financing providers like Clearco offer working capital advances for ecommerce businesses. B2B net terms platforms like Resolve Pay address a different challenge: helping you finance your customers while maintaining healthy cash flow.

According to the Federal Reserve's Small Business Credit Survey, 50% of surveyed employer firms reported uneven cash flow as a financial challenge, highlighting the importance of working capital management.

Kickfurther

How Kickfurther Works

Kickfurther operates as an inventory financing platform using a consignment model that connects CPG brands with investors who fund inventory purchases. The platform has facilitated over $300M in deal flow, primarily serving physical product companies in retail and wholesale distribution.

The consignment structure means Kickfurther technically owns the inventory until it sells, with payment tied to actual sales rather than fixed schedules.

Key characteristics:

• Up to 100% financing of inventory costs without traditional debt or equity
• Payment flexibility tied to actual inventory sales performance
• Consignment-based inventory funding, with accounting treatment determined by the agreement and applicable accounting standards
• Marketplace funding model where individual investors participate in deals
• Average deal size around $150K per Co-Op, with capacity for deals exceeding $5M
• Revenue requirement of $200K+ trailing 12-month revenue

Kickfurther's Funding Process

When a brand applies for Kickfurther funding, the platform underwrites the deal and lists it on their marketplace. Individual investors then commit capital to fund the inventory purchase. Once the marketplace fully funds the Co-Op, brands typically receive capital within 24 hours.

The marketplace dependency introduces timing variability since funding speed depends on investor participation and deal attractiveness. The repayment arrangement reflects inventory sales activity and the terms of the approved funding agreement.

Business Profiles

Common business profiles include:

• CPG brands with wholesale distribution and extended payment terms
• Seasonal businesses needing inventory financing
• Companies seeking consignment-based funding for inventory purchases
• Brands with proven sales velocity wanting to scale production

Clearco

How Clearco Provides Capital

Clearco has deployed over $3B to more than 10,000 businesses through its revenue-based financing model. The platform connects to ecommerce platforms and accounting systems to evaluate business performance and extend capital offers.

Following product changes in 2023, Clearco now offers cash advances and invoice funding. Funding terms depend on the business's eligibility, financing product, and approved agreement.

Key characteristics:

• Fast funding decisions within 24 hours after connecting data sources
• Capped weekly repayment arrangements based on approved financing terms
• Non-dilutive funding without equity requirements
• Rolling capacity option that replenishes as you repay
• Revenue requirement of $100K+ monthly for at least 6 months
• Funding range from $25K to $10M depending on business profile

Clearco's Funding Process

Clearco evaluates businesses by connecting to Shopify, Amazon, Stripe, and accounting platforms to assess revenue patterns and business health. The automated underwriting process delivers funding decisions quickly, with capital available shortly after approval.

Clearco uses capped weekly payments, with amounts that can adjust when sales slow. Repayment obligations depend on the approved financing agreement and the business's revenue performance.

Business Profiles

Common business profiles include:

• Ecommerce and CPG businesses seeking working capital for eligible business expenses
• DTC brands with consistent monthly revenue
• Businesses seeking rolling funding capacity
• Companies wanting fast approval without extensive documentation

Kickfurther vs Clearco: Key Differences

While both platforms provide non-dilutive funding alternatives, Kickfurther and Clearco serve fundamentally different business needs and operational models.

Funding Mechanism Comparison

Kickfurther uses a consignment model where investors fund inventory purchases that the platform technically owns until sale. Repayment happens as inventory sells, creating natural alignment between obligations and revenue.

Clearco provides ecommerce cash advances and invoice funding with capped weekly repayment arrangements. Payment amounts can adjust based on revenue performance, subject to the agreement.

Business Type Alignment

Kickfurther exclusively serves physical product companies needing inventory financing. The platform does not serve service businesses or companies without tangible inventory needs.

Clearco focuses on eligible ecommerce, CPG, and DTC businesses seeking working capital for inventory, supplier payments, and other approved expenses.

Use of Funds

Kickfurther specifically funds inventory purchases, with capital tied to particular production runs or purchase orders. This targeted approach ensures funds directly support inventory growth.

Clearco allows broader capital deployment across marketing, inventory, payroll, and operational expenses. The flexibility suits companies needing general working capital rather than purchase-specific funding.

Alternative Financing Paths

The financing landscape has expanded significantly beyond traditional bank loans, creating options for businesses at various growth stages.

Modern businesses can access capital through multiple channels:

• Inventory financing platforms like Kickfurther for physical product companies
• Revenue-based financing providers for ecommerce businesses
• Invoice factoring for accounts receivable monetization
• Net terms financing for B2B sellers extending customer credit
• Merchant cash advances tied to future revenue streams

Why Businesses Seek Alternatives

Traditional bank financing often excludes growing businesses due to collateral requirements, revenue history minimums, lengthy approval processes, and personal guarantee requirements. Alternative financing options use different eligibility, repayment, and funding structures depending on the provider and product.

Federal and SBA Grants

Federal grants are generally limited to specific qualifying activities, such as research, innovation, and targeted economic development. The SBA does not provide grants for ordinary business startup or expansion costs, although certain specialized programs support eligible organizations and activities.

Grant applications and awards vary significantly by program. For B2B suppliers managing customer payment terms, Resolve Pay provides a more directly relevant solution through approved invoice advances, buyer credit assessment, and automated accounts receivable management.

Resolve Pay

Solving B2B Cash Flow Challenges

While Kickfurther and Clearco address seller-side funding needs, B2B sellers face an additional challenge: extending competitive payment terms to business customers without straining their own cash flow or assuming excessive credit risk on eligible invoices.

Resolve Pay delivers a fundamentally different solution, enabling manufacturers, distributors, and wholesalers to offer Net 30/60/90 payment terms while receiving immediate cash advances on eligible approved invoices.

How Resolve Pay works:

• Sellers offer net payment terms to approved business buyers
• Resolve Pay advances up to 90% of invoice value within 24-48 hours
• Buyers pay on their agreed terms (Net 30, 60, or 90 days)
• Any remaining seller settlement is handled according to the applicable financing agreement
• Non-recourse structure provides protection against covered buyer defaults on eligible approved financed invoices, subject to program terms

This model allows B2B sellers to offer competitive payment terms while accelerating cash flow and reducing exposure to covered buyer credit defaults on eligible approved financed invoices.

How Resolve Pay Differs

The fundamental distinction lies in what each platform finances:

• Kickfurther finances your inventory purchases before you sell products
• Clearco finances your operations based on your revenue history
• Resolve Pay finances your customers by enabling you to offer competitive payment terms while getting paid upfront

For B2B sellers, this customer financing approach helps support competitive payment terms while maintaining working capital and reducing covered buyer credit risk.

Integrated AR Automation and Credit Decisions

Resolve Pay combines net terms financing with comprehensive accounts receivable automation, creating a unified platform for B2B payments management.

Platform capabilities:

• AI-powered buyer credit decisions with approvals typically within one business day
• Automated invoice generation synced from ERP and accounting systems
• Smart payment reconciliation using ML to match payments automatically
• Agentic collections with multi-channel outreach sequences
• Real-time AR dashboard showing DSO, aging, and portfolio health
• White-labeled buyer portal accepting ACH, wire, credit card, and check payments

By combining credit assessment, AR management, and automated collections, Resolve Pay helps B2B sellers reduce reliance on disconnected workflows and manage receivables more efficiently.

Enterprise Integrations

Resolve Pay offers native integrations with major business platforms:

• ERP/Accounting: NetSuite, QuickBooks Online, Xero, Sage Intacct
• Ecommerce: Shopify, BigCommerce, WooCommerce, Magento 2
• API Access: REST API with webhooks for custom integrations

Resolve Pay supports automated data synchronization across supported integrations, helping reduce manual entry and reconciliation work. Available synchronization capabilities depend on the connected platform and implementation configuration.

Proven Results Across Industries

Resolve Pay serves 15,000+ businesses across manufacturing, wholesale distribution, and supply industries with documented customer outcomes:

• Archipelago Lighting tripled revenue and reduced net terms approval time from 10 days to 24 hours while offering 20x higher credit lines
• Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours
• Elston Materials increased margins from 25% to 30%, a 5-point improvement
• ConEquip achieved 30% year-over-year growth through the platform
• SS&SI Dealer Network experienced 5x revenue growth

These results demonstrate how net terms financing with integrated AR automation creates competitive advantages for B2B sellers.

Why B2B Sellers Choose Resolve Pay

For manufacturers, distributors, and wholesalers, managing cash flow often means balancing customer payment flexibility with the need for predictable working capital.

Resolve Pay addresses this challenge through:

• Customer financing capability: Offer Net 30/60/90 payment terms to approved buyers while receiving advance payments on eligible invoices
• Reduced credit risk: Non-recourse financing helps protect against covered buyer defaults on eligible approved financed invoices
• Integrated workflows: Combine buyer credit assessment, invoicing, payment reconciliation, and collections automation in one platform
• Fast implementation: Native integrations with ERP, accounting, and ecommerce systems reduce setup time
• Scalable credit capacity: As your business grows, your financing capacity can scale with approved receivables

Rather than relying entirely on customer payment dates, sellers can receive advance payments on eligible approved invoices while buyers retain their agreed payment terms. The platform also handles buyer credit assessment using business credit checks, payment reminders, collections workflows, and reconciliation.

For businesses extending trade credit, Resolve Pay brings financing and AR operations into one platform. Its integrated approach helps sellers offer competitive payment terms, maintain working capital, reduce manual collections work, and manage covered buyer credit risk without adding disconnected financing and receivables tools.

Frequently Asked Questions

How Does Resolve Pay Help B2B Businesses Improve Cash Flow?

Resolve Pay allows eligible B2B sellers to offer payment terms while receiving advance payments on approved invoices. Sellers can access working capital within 1-2 business days, while approved buyers pay according to their agreed terms. This helps businesses maintain cash flow without waiting for every customer invoice to reach its payment due date.

What Payment Terms Can Businesses Offer Through Resolve Pay?

Resolve Pay supports flexible B2B payment terms, including Net 30, Net 60, and Net 90 arrangements, subject to buyer approval and program eligibility. These terms allow business customers to purchase products and pay later while eligible sellers receive advance payments. This approach helps manufacturers, distributors, and wholesalers support customer purchasing needs while maintaining working capital.

Does Resolve Pay Protect Sellers Against Buyer Defaults?

Resolve Pay provides non-recourse financing on eligible approved invoices, helping protect sellers from repayment obligations arising solely from covered buyer credit defaults. Protection is subject to the applicable financing agreement and program conditions. Resolve Pay also evaluates buyer creditworthiness before approving credit limits and financing arrangements.

Can Resolve Pay Automate Accounts Receivable Management?

Yes. Resolve Pay combines buyer credit assessment, invoicing, payment reminders, collections workflows, and reconciliation within its B2B payments platform. Its AR automation capabilities help finance teams reduce repetitive administrative tasks, monitor outstanding invoices, and manage buyer payments more efficiently. The platform also supports integration with accounting and ERP systems.

What Types of Businesses Benefit From Resolve Pay?

Resolve Pay is designed for B2B sellers, including manufacturers, wholesalers, distributors, and suppliers that offer payment terms to business customers. Businesses managing recurring wholesale orders, extended payment cycles, or substantial accounts receivable workloads can use Resolve Pay to streamline credit management, accelerate cash flow, and reduce exposure to covered buyer credit defaults.

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.