Selecting the right funding solution can define whether a growing business thrives or stalls. Kickfurther offers consignment-based inventory financing for consumer product brands, while Forward Financing provides revenue-based financing and business funding options for general working capital needs. However, B2B manufacturers, distributors, and wholesalers face a different challenge entirely: converting outstanding invoices into immediate cash while offering competitive payment terms to customers.
Resolve Pay's net terms financing addresses this specific gap by advancing approved portions of invoice value within 1-2 business days, automating accounts receivable workflows, and providing reduced credit risk through non-recourse protection on eligible approved financed invoices. More than 15,000 businesses actively use Resolve Pay's platform for B2B payment automation and net terms management.
Kickfurther operates as an inventory consignment funding platform designed specifically for consumer packaged goods brands. According to the SBA's microloan guidance, eligible small businesses can use microloans to purchase inventory and fund other qualifying business expenses. The company has facilitated over $300 million in funding across more than a decade of operation, targeting businesses that need capital to produce physical inventory before sales occur.
The consignment structure sets Kickfurther apart from conventional inventory financing. Rather than issuing loans, Kickfurther connects brands with a marketplace of backers who fund inventory production in exchange for a share of profits once products sell.
This approach includes several characteristics:
Brands accessing Kickfurther generally need at least $400,000 in trailing 12-month revenue under published eligibility criteria and an established sales history. The platform also reviews business financials, inventory requirements, and the proposed funding opportunity.
Kickfurther's consignment model is structured around inventory production and product sales. Its funding arrangement includes several characteristics:
The model focuses on financing inventory before products are sold. B2B suppliers managing customer payment terms have additional operational needs involving buyer credit assessments, invoicing, payment collection, and accounts receivable management.
Forward Financing provides revenue-based working capital by purchasing an agreed amount of a business's future revenue in exchange for upfront funding. The company also describes a separate business loan product. Forward Financing has provided funding to a substantial number of small businesses across multiple industries since its founding in 2012.
Forward Financing's structure works differently from traditional loans. The company purchases a portion of future business revenue, with repayment occurring through daily or weekly automatic remittances.
Key characteristics include:
Forward Financing targets businesses with annual revenue minimums and accepts applications from companies that traditional banks might decline.
Forward Financing serves businesses needing fast access to unrestricted working capital. Revenue-based financing provides flexibility for companies with consistent revenue streams.
Common use cases include:
Forward Financing offers revenue-based financing with repayment arrangements specified in the funding agreement. Businesses should review contractual obligations, revenue-based payment adjustments, and repayment schedules before entering an agreement. Forward Financing maintains a customer review presence on Trustpilot, where borrowers discuss their experiences with funding and customer support.
Resolve Pay operates as a B2B payments platform built specifically for manufacturers, distributors, and wholesalers. Rather than providing general working capital or inventory funding, Resolve Pay transforms how businesses manage customer payment terms and accounts receivable.
The platform enables sellers to offer Net 30, 60, or 90 payment terms to business buyers while receiving advances on eligible approved invoices, typically within 1-2 business days. This structure addresses the cash flow strain of waiting 30 to 90 days for customer payments.
Resolve Pay's business credit check system evaluates buyer creditworthiness alongside merchant eligibility through proprietary AI that analyzes thousands of data points including:
Credit decisions arrive in under 24 hours, with some approvals occurring instantly. This speed enables sales teams to close deals without lengthy credit review delays.
Resolve Pay evaluates business buyers alongside merchant eligibility assessments to determine approved credit lines and invoice financing arrangements. This combined approach helps qualified B2B suppliers extend payment terms to approved customers while improving cash flow.
Traditional financing options leave businesses exposed to customer default risk. Invoice factoring typically operates on recourse terms, meaning sellers must repay advances if customers fail to pay.
Resolve Pay provides non-recourse financing protection against covered buyer credit defaults on eligible approved financed invoices, subject to program terms. This means sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices.
Key distinctions in risk allocation:
Kickfurther: Brand retains obligations under its consignment agreement with inventory performance risk
Forward Financing: Business remits purchased future revenue under its agreement regardless of individual transaction outcomes
Resolve Pay: Assumes covered buyer default risk on eligible approved financed invoices, reducing seller exposure to bad debt on qualifying transactions
Beyond financing, Resolve Pay's accounts receivable automation eliminates manual processes that drain finance team resources:
In a customer testimonial, VI reported that the work required from its team decreased by at least 90% after implementing an automated two-way integration with Resolve Pay. This illustrates the potential efficiency gains from automating receivables workflows, although results vary by business and implementation.
The agentic collections system extends automation through multi-channel follow-up sequences including email, SMS, and AI-powered voice calls. Intelligent escalation based on buyer response and payment history ensures persistent but professional collection efforts that preserve customer relationships.
The timing difference between Resolve Pay and traditional B2B payment cycles creates substantial cash flow advantages.Research from the Federal Reserve's 2024 Report on Payments highlights cash flow management as a major challenge for small businesses, with timely customer payments playing a critical role in maintaining financial stability and operational flexibility.
Traditional Net Terms Challenge:
Resolve Pay Solution:
This structure transforms accounts receivable from a waiting game into predictable cash flow. ConEquip achieved 30% year-over-year growth after implementing Resolve Pay, while Archipelago Lighting tripled revenue and reduced net terms approval time from 10 days to 24 hours.
Unlike point solutions that address single functions, Resolve Pay provides an integrated platform spanning the entire order-to-cash cycle:
Credit Management:
Invoice and Payment Processing:
Collections Automation:
Financial Operations:
Resolve Pay's integration capabilities connect with the systems B2B sellers already use:
ERP and Accounting:
E-commerce Platforms:
Additional Capabilities:
Resolve Pay's integration capabilities help B2B suppliers connect credit management, payment processing, and receivables automation with their existing business systems. This can reduce manual work and improve financial visibility across the order-to-cash process.
Understanding the fundamental distinctions between these platforms helps businesses evaluate options for their specific situation.
What Gets Funded:
Repayment Structure:
Risk Exposure:
Both Kickfurther and Forward Financing offer relatively fast capital access compared to traditional bank loans, though each serves different purposes.
Kickfurther Eligibility:
Forward Financing Eligibility:
Resolve Pay Eligibility:
Manufacturers, distributors, and wholesalers face distinct financial challenges when selling to business customers. Extending payment terms can support larger orders and repeat purchasing, but it also creates additional responsibilities involving credit assessments, collections, and cash flow management.
Flexible payment terms are an important consideration in B2B purchasing relationships, particularly for buyers managing inventory purchases and operating cash flow. Offering Net 30, 60, or 90 terms can help suppliers accommodate business purchasing cycles while building stronger customer relationships.
Resolve Pay brings these functions together in a platform designed for B2B transactions. Its capabilities are particularly relevant for businesses that:
Resolve Pay addresses the connection between buyer purchasing flexibility and supplier cash flow. Qualified sellers can extend approved payment terms while receiving advances on eligible invoices, typically within 1-2 business days.
Its integrated platform also supports:
Unlike standalone inventory funding or general working capital arrangements, Resolve Pay is specifically designed around the B2B order-to-cash process.
Resolve Pay helps reduce operational challenges by managing buyer credit assessments, providing advances on eligible approved invoices, automating collections, and assuming covered buyer default risk under its non-recourse financing arrangements. Sellers retain responsibility for obligations and exceptions specified in their program agreements.
Companies using Resolve Pay report tangible operational benefits:
For manufacturers, distributors, and wholesalers seeking to improve cash flow while offering competitive customer payment terms, Resolve Pay provides an integrated solution combining net terms financing, accounts receivable automation, and non-recourse protection on eligible approved financed invoices.
Resolve Pay focuses on B2B net terms financing and accounts receivable management rather than general-purpose working capital. Qualified suppliers can receive advances on approved invoices while extending payment terms to business buyers. The platform also supports credit assessments, payment processing, automated collections, and reconciliation, helping businesses manage their order-to-cash operations through an integrated system designed specifically for B2B transactions.
Resolve Pay primarily serves established B2B manufacturers, wholesalers, distributors, and merchants that sell products to business customers. It is particularly relevant for suppliers managing recurring invoices, customer credit lines, and extended payment terms. Businesses generally need at least $1 million in annual B2B revenue to meet its stated eligibility criteria, along with an established B2B sales operation.
Non-recourse financing through Resolve Pay reduces credit risk but is not absolute protection. Sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. This means Resolve Pay assumes credit risk on invoices that meet program criteria and receive approval. Protection applies to covered buyer credit defaults, not to situations involving fraud, disputes, or invoices that do not meet eligibility requirements.
Resolve Pay generally works with established B2B businesses generating at least $1 million in annual B2B revenue. Eligibility depends on merchant underwriting, buyer creditworthiness, and other program requirements. Pre-revenue startups without established B2B sales are not its primary target customers. Businesses can contact Resolve Pay to discuss their specific circumstances and eligibility for the platform.
Resolve Pay typically advances funds within 1-2 business days after invoice approval. The AI credit engine provides buyer credit decisions in under 24 hours, with some instant approvals for smaller amounts. Once the buyer and invoice have been approved, Resolve Pay provides the agreed advance quickly. The advance percentage depends on underwriting and the merchant's financing arrangement, with any remaining balance handled according to the applicable agreement.
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.