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.
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 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:
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.
Common business profiles include:
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:
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.
Common business profiles include:
While both platforms provide non-dilutive funding alternatives, Kickfurther and Clearco serve fundamentally different business needs and operational models.
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.
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.
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.
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:
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 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.
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:
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.
The fundamental distinction lies in what each platform finances:
For B2B sellers, this customer financing approach helps support competitive payment terms while maintaining working capital and reducing covered buyer credit risk.
Resolve Pay combines net terms financing with comprehensive accounts receivable automation, creating a unified platform for B2B payments management.
Platform capabilities:
By combining credit assessment, AR management, and automated collections, Resolve Pay helps B2B sellers reduce reliance on disconnected workflows and manage receivables more efficiently.
Resolve Pay offers native integrations with major business platforms:
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.
Resolve Pay serves 15,000+ businesses across manufacturing, wholesale distribution, and supply industries with documented customer outcomes:
These results demonstrate how net terms financing with integrated AR automation creates competitive advantages for B2B sellers.
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:
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.
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.
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.
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.
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.
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.