Kickfurther vs Invoiced

When B2B companies evaluate their financial technology options, they often encounter two platforms with fundamentally different purposes: Kickfurther for inventory financing and Invoiced for accounts receivable automation. While both serve legitimate business needs, many mid-market manufacturers and distributors require a more comprehensive approach: a complete B2B payments platform that combines credit decisioning, financing options, and AR automation in a single integrated system. Understanding the distinctions between Kickfurther, Invoiced, and integrated solutions like Resolve Pay helps growing B2B sellers identify the right fit for optimizing cash flow and managing trade credit.

Key Takeaways

• Kickfurther specializes in pre-sale inventory financing for CPG brands with physical products, using a marketplace-based consignment model funded by community backers
• Invoiced focuses on post-sale AR automation software, providing invoice generation, payment reminders, and collection workflows
• Both platforms serve specific stages of the business cash cycle but address different operational needs
• Resolve Pay is designed around the broader seller-side credit-to-cash lifecycle, connecting buyer underwriting, flexible net terms, qualifying invoice advances, payments, reconciliation, and AR automation
• For B2B sellers offering Net 30/60/90 terms, Resolve Pay's integrated approach includes non-recourse financing options for qualifying approved invoices
• The U.S. Small Business Administration highlights cash-flow projections and accounts receivable management as important practices for maintaining healthy operations and supporting business growth.
• Over 15,000 businesses actively use Resolve Pay's platform for B2B credit and payment operations

Understanding Kickfurther: Inventory Financing for Growing Businesses

Kickfurther operates as a marketplace-based inventory consignment platform, connecting consumer packaged goods (CPG) brands with community backers who fund inventory purchases. Founded in 2014, the platform has carved out a niche serving physical product companies that need capital to produce goods before they're sold.

How Kickfurther's Model Works

Brands list inventory opportunities on the marketplace, where community backers review and fund the inventory purchase. As inventory sells through retail channels, repayment occurs according to the agreed terms. The platform facilitates this consignment relationship between brands seeking inventory capital and individuals or entities willing to provide it.

Key Product Features

Kickfurther's approach centers on:

• Marketplace-based funding for physical inventory
• Consignment structure connecting brands with capital providers
• Repayment linked to inventory sell-through
• Focus on consumer packaged goods and physical product businesses

The platform serves companies in the pre-sale phase of the business cycle, addressing the capital needs that arise before products generate revenue.

Unpacking Invoiced: Enhancing Accounts Receivable Management

Invoiced is an accounts receivable automation platform built around invoice-to-cash processes. The platform has earned recognition as a category leader for its comprehensive AR features, helping businesses streamline workflows after sales have occurred.

Invoiced's Core Capabilities

The platform's focus is software automation for receivables operations, offering:

• Automated invoice generation and delivery
• Payment reminder sequences and dunning workflows
• Multiple payment method acceptance including ACH, credit card, and wire transfer
• Cash application and reconciliation features
• Customer payment portals for self-service
• AR analytics and reporting dashboards

Operational Focus

Invoiced operates in the post-sale collection phase, providing tools to manage the invoice-to-cash cycle more efficiently. The platform helps businesses reduce manual AR tasks and improve collection processes through automation.

Kickfurther vs Invoiced: Core Focus and Business Models Compared

These platforms serve entirely different stages of the business cash flow cycle, each designed for distinct operational needs.

Kickfurther's Position in the Cash Cycle

• When it operates: Before products are manufactured or purchased
• What it addresses: Inventory production and procurement capital needs
• Business model: Marketplace consignment connecting brands with funding sources
• Repayment structure: Tied to actual inventory sell-through

Invoiced's Position in the Cash Cycle

• When it operates: After sales occur, during the collection phase
• What it provides: Software automation for existing invoice workflows
• Business model: SaaS platform subscription
• Payment impact: Streamlines collection processes for accounts receivable

Different Operational Needs

The fundamental distinction lies in timing and purpose. Kickfurther addresses pre-revenue inventory needs for product businesses, while Invoiced manages post-sale receivables workflows. Neither platform focuses on the "at-sale" moment where B2B transactions occur and payment terms are established.

According to research published in the Journal of Business & Industrial Marketing, B2B payment terms and credit decisions significantly influence purchasing behavior and buyer-seller relationships, highlighting the importance of integrated solutions that address multiple stages of the transaction lifecycle.

Alternative B2B Funding: When Invoice Financing Fits Your Business

For B2B companies operating beyond the inventory production phase, invoice financing addresses different working capital needs related to accounts receivable.

How Invoice Financing Works

Invoice financing provides businesses with access to capital based on outstanding invoices, allowing sellers to receive funds substantially earlier than the buyer's final due date. This approach helps businesses address the cash flow gap that naturally occurs when offering payment terms to customers.

Benefits for B2B Sellers

Accelerated cash access: Rather than waiting through the full term period, sellers may access funds based on qualifying invoices

Scalability with sales: Available capital grows as invoice volume increases with business growth

Operational flexibility: Helps businesses manage seasonal fluctuations and growth periods

Resolve Pay's Approach to Invoice Advances

For qualifying approved invoices, sellers using Resolve Pay may receive an advance instead of waiting through the buyer's entire payment period. Advance amounts and timing are subject to underwriting, verification, invoice eligibility, banking processes, and program terms.

Qualifying Resolve Pay advances are non-recourse for covered approved buyer credit risk, subject to invoice validity, verification, exclusions, and applicable program terms. This structure helps address concerns about buyer credit risk that naturally arise when extending payment terms.

The AI Credit Engine Advantage

Rather than requiring sellers to evaluate buyer creditworthiness manually, Resolve's proprietary AI credit engine analyzes multiple data points to support real-time credit decisions. This enables sellers to evaluate term requests from new customers without traditional trade reference calls or lengthy approval processes.

The platform's approach to credit decisioning helps B2B sellers balance the competitive need to offer terms with appropriate risk management. For companies exploring invoice financing options, understanding the distinction between recourse and non-recourse structures is essential for evaluating true risk exposure.

Streamlining Your Accounts Receivable with Advanced Automation

Modern B2B operations require sophisticated AR automation to maintain efficiency and customer relationships. Resolve Pay's AR automation platform integrates financing capabilities with operational workflows.

Resolve Pay's Comprehensive AR Capabilities

The platform provides:

System integration: Resolve Pay supports connections with QuickBooks Online, Xero, Sage Intacct, NetSuite, Shopify, BigCommerce, Magento, and WooCommerce, along with API-based implementations. Integration functionality varies by platform and configuration.

Automated invoice handling: Direct synchronization from ERP and accounting systems reduces manual invoice generation tasks

Smart payment reconciliation: Machine learning capabilities help match incoming payments to invoices automatically

Real-time visibility: Dashboards showing DSO, aging reports, and portfolio health metrics provide ongoing insight into receivables performance

The Agentic Collections Difference

Resolve Pay's agentic collections system uses AI to handle follow-up processes. Depending on the seller's configuration, automated workflows can coordinate customer communication, track payment activity, adjust follow-up based on invoice status, and account for disputes or other exceptions.

This approach maintains professional communication while reducing the manual workload typically associated with accounts receivable management. The system's intelligent design helps preserve customer relationships through appropriate, timely follow-up.

White-Labeled Payment Portal

Resolve Pay provides a branded buyer portal where customers can:

• View all invoices, credit lines, and payment history in one location
• Pay via ACH, wire transfer, credit card, or check
• Set up payment arrangements or flag disputes
• Access mobile-responsive experiences for on-the-go payments

The portal design supports the self-service preferences many B2B buyers have developed, while maintaining the seller's brand presence throughout the payment experience.

Working Capital Solutions: How Net Terms & Financing Elevate Your Business

The ability to offer competitive payment terms often influences whether B2B sellers win business, particularly with larger buyers who expect flexible payment options.

The Net Terms Business Reality

Offering Net 30/60/90 terms has become a competitive expectation in many B2B markets. Research from the National Federation of Independent Business indicates that payment terms significantly affect small business cash flow management and growth capacity.

Traditional approaches to net terms create natural tensions:

• Extending terms ties up working capital for extended periods
• Declining to offer terms may result in lost business to competitors
• Manual credit evaluation requires significant time and resources
• Payment risk naturally accompanies accounts receivable

How Resolve Pay Addresses These Challenges

Resolve's net terms solution allows sellers to offer Net 15, 30, 60, or 90 terms to approved buyers. Eligible approved invoices may receive advance payment substantially earlier than the buyer's final due date, with exact timing depending on buyer and invoice approval, verification requirements, banking processes, and the seller's program.

The seller receives funds according to their advance program; the buyer pays Resolve on the agreed terms. This structure helps businesses manage the working capital impact of extended payment terms.

Real Business Application

Customer implementations demonstrate practical results in various industries. Businesses using Resolve Pay have reported improvements in their ability to:

• Compete for larger contracts requiring payment terms
• Reduce time spent on credit evaluation and approval processes
• Manage cash flow more predictably during growth periods
• Expand into new customer segments with confidence

For businesses evaluating working capital optimization strategies, integrated platforms that connect credit decisioning, payment terms, financing options, and collections automation offer comprehensive approaches to the full receivables lifecycle.

Resolve Pay: Integrated Platform for B2B Payments and AR Automation

While Kickfurther and Invoiced each address specific business needs at different lifecycle stages, Resolve Pay is designed around the broader seller-side credit-to-cash lifecycle.

Comprehensive Platform Capabilities

Resolve Pay connects buyer underwriting, flexible net terms, qualifying invoice advances, payments, reconciliation, and AR automation in a single platform approach.

End-to-end functionality: From credit decision through cash collection, the platform handles multiple stages of the receivables lifecycle

Non-recourse options: Qualifying advances include non-recourse protection for covered approved buyer credit risk, helping address bad debt concerns

AI-powered decisioning: Real-time buyer credit evaluation enables sellers to respond to term requests quickly

Native e-commerce integration: Shopify, BigCommerce, Magento, and WooCommerce connections allow net terms at checkout for online B2B transactions

Platform Foundation and Recognition

Resolve Pay was founded by executives with experience from Affirm, PayPal, and Amazon, bringing consumer payment expertise to B2B contexts. The platform raised significant funding to support its development and growth.

The company maintains partnerships with leading ecommerce platforms and agencies including Hammer Commerce, MAK Digital, Coalition, Trellis, and Snapshot, supporting implementation across various business configurations.

Where Resolve Pay Fits

For businesses requiring inventory capital before production: Kickfurther's consignment marketplace serves this pre-sale need

For businesses needing AR workflow software: Invoiced provides comprehensive automation for invoice-to-cash processes

For B2B sellers seeking integrated credit-to-cash management: Resolve Pay connects multiple functions credit decisioning, term offerings, potential invoice advances, payment processing, and AR automation within one platform

The platform's integrated design addresses several stages of the B2B transaction and collection lifecycle, from the initial credit decision through final payment reconciliation. This approach serves established B2B sellers who need comprehensive capabilities rather than point solutions focused on single operational areas.

Why Resolve Pay for Your B2B Payment Needs

Resolve Pay addresses the operational challenges B2B sellers face when managing buyer credit, payment terms, cash flow timing, and accounts receivable workflows. The platform's integrated approach connects functions that traditionally require multiple vendors, manual processes, or significant internal resources.

For mid-market manufacturers, distributors, and wholesalers selling on payment terms, Resolve Pay provides:

Credit risk management: AI-powered buyer evaluation and, for qualifying advances, non-recourse protection options help address the uncertainty of extending credit

Cash flow acceleration: Eligible approved invoices may receive advances substantially earlier than buyer payment dates, helping manage working capital needs during growth periods

Operational efficiency: Automated workflows from credit approval through collections reduce the manual burden on finance and AR teams

Competitive positioning: The ability to confidently offer flexible net terms helps win business from buyers who expect or require payment flexibility

System integration: Native connections to major ERP, accounting, and ecommerce platforms reduce implementation complexity and ongoing data management

The platform serves businesses that have moved beyond basic invoicing needs and require sophisticated tools for managing trade credit at scale. As B2B commerce continues to evolve, integrated platforms that address multiple aspects of the buyer-seller transaction become increasingly valuable for maintaining competitive operations.

For sellers currently using separate tools for credit evaluation, invoice factoring, AR automation, and payment processing, consolidation into a single platform can reduce complexity, improve visibility, and lower total cost of ownership. Resolve Pay's comprehensive approach provides this consolidation opportunity while maintaining flexibility in how businesses structure their buyer payment programs.

Frequently Asked Questions

What are net terms and how do they work in B2B transactions?

Net terms are payment arrangements where buyers receive goods or services upfront and pay within an agreed timeframe, commonly Net 30, Net 60, or Net 90 days. In B2B markets, these terms are a competitive expectation, allowing buyers to manage their own cash flow while sellers extend credit. The challenge for sellers is managing the working capital gap and credit risk that accompany these arrangements. Resolve Pay helps address both challenges by providing tools for buyer credit evaluation, potential invoice advances for qualifying transactions, and automated AR management, enabling sellers to offer competitive terms without the traditional cash flow and risk exposure concerns.

How do non-recourse invoice advances work?

Non-recourse invoice advances shift covered approved buyer credit risk from the seller to the financing provider for qualifying transactions. When Resolve Pay advances funds on an approved invoice, the advance is non-recourse for covered approved buyer credit risk, subject to invoice validity, verification, exclusions, and applicable program terms. This means that for qualifying scenarios, if an approved buyer fails to pay due to credit-related reasons, the seller generally retains the advance rather than being obligated to repay it. This structure differs from recourse financing, where sellers bear ultimate payment responsibility. Non-recourse terms, conditions, and exclusions vary by transaction and program.

How quickly can Resolve Pay process buyer credit approvals and funding?

Eligible approved invoices may receive advance payment substantially earlier than the buyer's final due date. Exact timing depends on buyer and invoice approval, verification requirements, banking processes, and the seller's program. Resolve's AI credit engine can evaluate buyers rapidly, sometimes providing credit decisions within hours for qualifying situations. The platform is designed to support the pace of modern B2B commerce, where sellers need to respond quickly to buyer inquiries and orders without lengthy manual credit review processes.

What systems does Resolve Pay integrate with?

Resolve Pay supports connections with major business systems including QuickBooks Online, Xero, Sage Intacct, NetSuite for accounting and ERP integration, plus Shopify, BigCommerce, Magento, and WooCommerce for ecommerce platforms. API-based implementations are also available for custom integration needs. Integration functionality varies by platform and configuration, with some connections offering real-time synchronization while others operate on scheduled sync intervals. This integration flexibility helps businesses incorporate Resolve Pay into existing technology stacks without requiring complete system overhauls.

Is Resolve Pay right for my business size and industry?

Resolve Pay focuses primarily on established B2B sellers, typically those with annual revenue above USD 1 million, across manufacturing, wholesale distribution, and supply industries. The platform serves businesses that regularly extend payment terms to buyers and face challenges managing the associated credit risk, cash flow timing, and AR operations. Common industries include HVAC and industrial parts distribution, building materials, safety equipment, janitorial supplies, foodservice equipment, medical devices, and laboratory supplies. If your business regularly extends Net 30/60/90 terms, deals with buyer credit evaluation challenges, or seeks to improve accounts receivable efficiency, Resolve Pay may fit your operational needs.

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.