When B2B businesses need working capital to manage cash flow and trade credit, choosing the right financing solution becomes critical. Two options, Kickfurther and FundThrough, represent different approaches to business financing. Kickfurther operates as an inventory financing marketplace for consumer packaged goods brands, while FundThrough advances cash against eligible B2B invoices. For manufacturers, distributors, and wholesalers seeking to offer net payment terms while protecting cash flow, Resolve Pay's integrated platform combines non-recourse financing, AR automation, and white-label buyer experiences in a single solution.
Kickfurther positions itself as an inventory financing marketplace, offering consignment-style funding for consumer packaged goods (CPG) brands. Founded in 2014 and headquartered in Buffalo, New York, Kickfurther has built its model around connecting brands with a community of backers who fund inventory purchases. The platform uses a pay-as-you-sell structure tied to inventory movement.
FundThrough takes an invoice factoring approach for B2B businesses. Also founded in 2014, but based in Toronto, Canada, FundThrough operates a platform that advances funds against outstanding invoices. The company processes invoices across various B2B industries and collects payment directly from the business's customers.
Resolve Pay operates on a fundamentally different model. Rather than inventory consignment or traditional factoring, Resolve Pay enables B2B sellers to offer net terms financing (Net 30/60/90) while receiving cash advances. The platform combines credit decisioning, AR automation, and collections management into an integrated solution, eliminating the need for multiple point tools.
The fundamental difference lies in philosophy: Kickfurther finances inventory production, FundThrough factors invoices after the sale, while Resolve Pay enables the entire B2B credit and payment cycle from credit approval through collections and reconciliation.
Kickfurther's service portfolio centers on inventory financing:
This model serves CPG brands needing to produce physical inventory.
FundThrough's services focus on invoice acceleration:
The company contacts customers directly, who then remit payment to FundThrough rather than the original seller.
Resolve Pay's services address the complete B2B credit cycle:
Resolve Pay delivers credit decisions rapidly for many transactions, with some qualifying purchases receiving instant approvals while others may require additional verification. This enables B2B sellers to close deals where payment terms are negotiated in real-time.
Kickfurther focuses on CPG brands in specific categories:
FundThrough serves businesses with outstanding invoices:
Resolve Pay serves mid-market B2B sellers:
This distinction matters significantly. Many B2B distributors need to offer competitive payment terms while getting paid immediately, which aligns with Resolve Pay's model.
Kickfurther has funded numerous CPG brands since its founding, with funding for inventory orders across various product categories. The platform processes inventory financing deals for consumer goods brands.
FundThrough has processed substantial invoice volume and serves B2B companies across North America. The company provides invoice factoring services for businesses seeking to accelerate receivables.
Resolve Pay's customers report significant operational and financial improvements:
These results demonstrate that Resolve Pay delivers business growth through better payment terms and operational efficiency rather than just accelerating existing cash.
Kickfurther's platform includes:
FundThrough connects with accounting software:
Resolve Pay's integrations span the entire B2B commerce stack:
E-commerce: Shopify, BigCommerce, Magento 2, WooCommerce
Accounting/ERP: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite
Payments: BlueSnap global payment processing
API: REST API with webhooks and sandbox for custom integrations
The integration depth matters for operational efficiency. Resolve Pay's available synchronization capabilities, depending on platform and implementation, can help streamline payment reconciliation and reduce manual bookkeeping work.
B2B manufacturers, distributors, and wholesalers need to offer competitive payment terms while maintaining cash flow and protecting against credit risk. Understanding working capital needs is essential for sustainable B2B growth.
Non-recourse protection: For eligible approved invoices, Resolve Pay offers non-recourse financing with protection against covered buyer credit-default risk, subject to verification, exclusions, and program terms. This protection applies when buyers fail to pay due to credit-related issues on qualifying transactions.
White-label experience: Customers pay through branded portals and never know third-party financing is involved, preserving valuable business relationships.
Complete AR automation: Beyond funding, Resolve Pay handles credit checks, invoicing, collections, and reconciliation, addressing the full receivables cycle rather than just accelerating cash.
E-commerce native: Direct checkout integration for Shopify and BigCommerce means instant net terms at point of sale, enabling seamless B2B buying experiences.
AI credit decisioning: Smart Credit Engine evaluates comprehensive buyer data with quiet credit checks that don't notify buyers or impact credit scores.
Rapid funding: Advances on invoice value are typically available within one business day for approved transactions.
For B2B sellers seeking to accelerate growth by offering better payment terms, Resolve Pay represents an evolved approach to B2B payments. The combination of non-recourse financing, complete AR automation, and white-label buyer experience creates a compelling value proposition for mid-market distributors and manufacturers.
Resolve Pay's platform addresses the complete accounts receivable lifecycle for B2B sellers. By integrating credit decisioning, payment processing, and collections management into one solution, businesses can offer competitive net terms without the traditional overhead and risk.
The platform enables sellers to compete effectively in markets where extended payment terms drive purchasing decisions. Rather than choosing between cash flow and competitive positioning, Resolve Pay allows businesses to provide flexible payment options while receiving advances promptly.
For companies currently managing credit decisions manually, chasing payments, and reconciling accounts across multiple systems, Resolve Pay consolidates these functions into an automated workflow. The white-label buyer portal maintains brand consistency throughout the payment experience, while backend automation reduces the manual work typically required from finance teams.
Non-recourse net terms financing means that for eligible approved invoices, the financing provider assumes covered credit-default risk if a qualified buyer fails to pay due to credit-related issues. With Resolve Pay's non-recourse model, sellers receive advances and retain those funds even when approved buyers default on qualifying transactions, subject to verification, program terms, and exclusions. This protection applies specifically to credit risk on invoices that meet eligibility criteria, and does not cover disputes, delivery issues, or other non-credit-related payment failures. Traditional invoice factoring typically requires recourse, meaning sellers must repay advances if customers don't pay.
Resolve Pay operates completely behind the scenes from your buyers' perspective. When customers receive invoices and make payments, they interact with portals and communications branded with your company name and logo. Buyers pay through your branded payment portal and all correspondence comes from your business. They do not know that a third-party financing provider is involved. This preserves your customer relationships and brand identity throughout the payment process, unlike traditional factoring where customers are contacted directly by the financing company.
For approved invoices that meet eligibility criteria, Resolve Pay typically provides advances within one business day. The speed of credit decisions and funding depends on factors including buyer creditworthiness, invoice verification, and whether the transaction is a first-time purchase or repeat order. Some qualifying transactions with pre-approved buyers may receive faster processing, while new buyers or larger orders may require additional review. Once your account is established and buyers are approved, subsequent transactions generally process more quickly.
Resolve Pay is designed for mid-market B2B manufacturers, distributors, and wholesalers who want to offer net payment terms (Net 30/60/90) to their customers. The platform works particularly well for businesses in industries like HVAC parts distribution, electrical and plumbing supplies, industrial equipment, medical devices, construction materials, and safety equipment. Companies that sell to other businesses, want to compete on payment terms, need to maintain healthy cash flow, and seek to automate accounts receivable operations see the greatest value from the integrated platform.
Resolve Pay supports integrations with major e-commerce platforms including Shopify, BigCommerce, Magento 2, and WooCommerce, allowing net terms to be offered directly at checkout. For accounting and ERP systems, Resolve Pay integrates with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. These integrations enable automated invoice syncing, payment reconciliation, and financial reporting. The platform also offers a REST API with webhooks and a sandbox environment for custom integrations. The specific synchronization capabilities and implementation details vary by platform.
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.