When B2B sellers evaluate financing solutions to improve cash flow, comparing Kickfurther and Hokodo reveals a critical insight: these platforms solve fundamentally different business problems. Kickfurther specializes in inventory financing for consumer product brands, while Hokodo historically provided B2B Buy Now Pay Later and digital trade credit in Europe before ceasing trading. For North American manufacturers, wholesalers, and distributors seeking to offer net payment terms without cash flow strain, Resolve Pay emerges as the superior alternative, combining buyer credit underwriting, non-recourse financing, and comprehensive AR automation in a single integrated platform.
Kickfurther operates as a crowdfunded inventory financing marketplace designed specifically for consumer packaged goods (CPG) brands. Founded in 2014 and headquartered in Buffalo, NY, the platform has facilitated over $300 million in funding since launch.
Brands list inventory funding needs on Kickfurther's marketplace, where individual investors fund inventory purchases through a consignment model. Repayment occurs as inventory sells, tied to actual sales velocity rather than fixed payment schedules.
The platform serves emerging CPG brands needing to fund physical inventory production before products reach retail shelves. This includes seasonal product manufacturers, brands preparing for large retail orders, and companies seeking non-dilutive capital for inventory procurement.
Kickfurther's approach centers on pre-sale funding. Brands receive capital to manufacture or purchase inventory before products reach customers. This consignment-based structure helps CPG companies manage seasonal demand spikes and large retailer orders without traditional debt or equity dilution.
For B2B suppliers seeking to accelerate receivables rather than fund inventory, Kickfurther addresses a different stage of the cash flow cycle entirely.
Hokodo launched in 2018 as a B2B Buy Now Pay Later provider targeting European merchants. The London-based company processed over €500 million in financed invoices and served 100,000+ business buyers across 10 European markets before winding down operations.
The platform offered real-time credit underwriting at checkout for business buyers, with Net 30/60/90 payment terms embedded into ecommerce flows. Hokodo provided credit and fraud risk protection backed by Lloyd's of London, with API-based integrations with Shopify and Magento platforms.
Hokodo served only European markets throughout its operation. US and Canada B2B suppliers never had access to the platform, creating a geographic gap for North American trade credit needs.
Where Kickfurther funds inventory pre-sale and Hokodo serves European checkout experiences, Resolve Pay addresses the actual pain point facing North American B2B suppliers: offering competitive payment terms without waiting 30-90 days for cash.
Resolve Pay combines buyer credit underwriting, non-recourse net terms financing, AR automation, and collections management into a single platform purpose-built for manufacturers, distributors, and wholesalers.
Resolve Pay serves businesses across HVAC distribution, electrical supplies, industrial equipment, medical devices, and construction materials. Notable outcomes include Archipelago Lighting achieving credit approvals reduced from 10 days to 24 hours, and Trenchless Supply experiencing significant reduction in AR workload.
Understanding the fundamental difference between inventory financing and receivables financing helps clarify how these solutions serve different business needs.
Kickfurther funds inventory before products are manufactured or sold, with repayment depending on retail sell-through velocity. The model works best for brands with consumer retail distribution.
Resolve Pay advances cash after invoices are issued to business buyers. Repayment occurs when buyers pay on their net terms schedule. The solution is specifically designed for B2B wholesale and distribution, supporting transactions from small business orders to enterprise deals.
The cash flow timing distinction matters significantly. A plumbing supply distributor doesn't need inventory crowdfunding; they need to offer their contractors Net 30 terms while getting paid immediately. Resolve Pay's Advance Pay product solves this exact problem.
Advance percentages and timing depend on the product, buyer, invoice, underwriting, and program configuration. This flexibility allows Resolve Pay to serve diverse B2B transaction patterns across industries.
Traditional business credit checks require trade reference calls, financial statement reviews, and days of manual analysis. Resolve Pay's Smart Credit Engine transforms this process through AI-powered automation.
The system evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Some eligible applications can receive rapid decisions, while requests requiring additional information or verification may take longer. The engine adjusts credit lines dynamically based on ongoing payment behavior.
Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours after implementing Resolve Pay's credit engine. TrueCable reports response times under 24 hours on credit approvals, enabling faster sales cycles.
For B2B sellers managing credit risk, Resolve Pay's AI approach delivers efficiency gains impossible with traditional manual processes.
The distinction between non-recourse and recourse financing fundamentally affects seller risk exposure when offering net terms.
Resolve Pay assumes covered buyer non-payment risk on qualifying approved transactions, subject to program terms and eligibility. Sellers receive advances without liability for covered buyer defaults on approved transactions. This preserves customer relationships since Resolve handles collections professionally through designed processes.
Traditional factoring often involves recourse arrangements where sellers remain liable if buyers fail to pay. Factors can charge back unpaid invoices to the seller, creating ongoing credit exposure despite selling receivables. These arrangements often require personal guarantees or collateral.
Small business credit challenges remain widespread according to Federal Reserve research. Non-recourse financing addresses uncertainty by converting future payments into current cash, with Resolve Pay managing the covered collection risk.
Consumer Buy Now Pay Later solutions work well for retail purchases, but B2B transactions require fundamentally different structures. The B2B BNPL model Resolve Pay provides addresses these unique requirements.
B2B transactions involve larger order values, longer payment cycles, and complex purchasing relationships. Business creditworthiness requires different underwriting than consumer credit scores. Integration needs span ERPs, accounting systems, and procurement workflows rather than simple checkout buttons.
The platform enables sellers to offer Net 30, 60, and 90 payment terms to approved buyers. Advance percentages and timing depend on the product, buyer, invoice, underwriting, and program configuration. Resolve Pay integrates with Shopify, BigCommerce, Magento, and WooCommerce for embedded B2B checkout, and connects to QuickBooks, Xero, Sage Intacct, and NetSuite for automated reconciliation.
Resolve Pay serves B2B verticals including HVAC parts distribution, electrical and plumbing supplies, industrial fasteners and hardware, medical device distribution, and construction materials supply. For these industries, offering competitive net terms drives repeat orders and larger purchase volumes.
B2B sellers face a common dilemma: buyers expect payment terms, but extending credit strains cash flow. Resolve Pay eliminates this tradeoff through its integrated financing and automation platform.
Shields Childcare Supplies won new business by offering Net 90 terms they couldn't extend independently. ConEquip achieved significant year-over-year growth after implementing Resolve Pay. SS&SI Dealer Network experienced substantial revenue expansion with Resolve's net terms financing.
Sellers receive advances on invoice value upfront while buyers pay on terms, eliminating cash flow pressure. Automated workflows can reduce repetitive work across invoicing, payment reminders, reconciliation, and collections. Agentic collections functionality is designed to automate repetitive collection activities while helping finance teams maintain visibility into exceptions and account status.
Resolve Pay's B2B payment portal maintains seller branding while offering buyers self-service invoice management and multiple payment options including ACH, wire, credit card, and check.
Comparing Kickfurther and Hokodo reveals that neither platform adequately serves North American B2B suppliers seeking net terms financing. Kickfurther remains focused on CPG inventory funding, while Hokodo no longer operates.
The platform is purpose-built for B2B trade credit, combining buyer underwriting, financing, AR automation, and collections in one integrated solution. Integration scope varies by system and implementation, with support for QuickBooks Online, Xero, Oracle NetSuite, Sage Intacct, Shopify, BigCommerce, Magento 2, and WooCommerce.
For manufacturers, distributors, and wholesalers seeking to offer competitive payment terms without sacrificing cash flow, Resolve Pay delivers a complete solution addressing the core challenges of B2B trade credit.
Kickfurther provides inventory financing for consumer product brands, funding production before goods sell through a crowdfunded consignment model. Hokodo operated as a European B2B Buy Now Pay Later provider, enabling merchants to offer payment terms at checkout before ceasing operations. The fundamental distinction: Kickfurther funds pre-sale inventory needs, while Hokodo facilitates post-sale buyer financing in European markets. Neither platform serves US B2B suppliers seeking to offer trade credit to business buyers. Resolve Pay addresses this specific gap with non-recourse net terms financing, AI-powered credit underwriting, and integrated AR automation.
Resolve Pay assumes covered buyer non-payment risk on qualifying approved transactions, subject to program terms and eligibility. This means sellers receive advances without liability for covered buyer defaults on approved transactions. The protection allows B2B suppliers to extend net terms confidently without accumulating exposure to covered bad debt. Resolve Pay handles collections through agentic collections functionality designed to automate repetitive collection activities while helping finance teams maintain visibility into exceptions and account status, preserving customer relationships throughout the payment cycle.
Resolve Pay serves mid-market B2B sellers across manufacturing, wholesale distribution, and supply industries. Primary verticals include HVAC parts distributors, electrical and plumbing suppliers, industrial equipment manufacturers, medical device distributors, construction materials suppliers, and commercial kitchen equipment sellers. These businesses share common characteristics: they sell to other businesses on net terms, face cash flow pressure from 30-90 day payment cycles, and need automated AR management to scale efficiently. The platform supports diverse transaction patterns across these industries.
Yes, Resolve Pay offers extensive integration capabilities across both ecommerce and back-office systems. Ecommerce integrations include Shopify, BigCommerce, Magento 2, and WooCommerce for embedded checkout net terms. Accounting and ERP integrations cover QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite with two-way sync for automatic payment reconciliation. The platform also provides REST API with webhooks and sandbox environment for custom integrations, enabling seamless connection with existing B2B payment workflows. Integration scope varies by system and implementation.
Some eligible applications can receive rapid decisions through Resolve Pay's Smart Credit Engine, while requests requiring additional information or verification may take longer. Certain workflows can begin with basic information such as the buyer's business name and address. The system evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Credit lines adjust dynamically based on ongoing payment behavior, enabling sellers to respond to buyer requests efficiently while maintaining appropriate risk management.
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