Selecting the right financing solution can determine whether your B2B business thrives or struggles with cash flow constraints. The B2B financing landscape includes distinct approaches serving different operational needs: inventory consignment funding for consumer brands, white-label lending infrastructure for financial institutions, and post-sale net terms financing for manufacturers and distributors. While Kickfurther provides inventory consignment funding for CPG brands and Jifiti Lending offers white-label infrastructure for banks and lenders, Resolve Pay delivers non-recourse net terms combined with complete AR automation for manufacturers, distributors, and wholesalers. Understanding these fundamental differences helps B2B companies select the approach that matches their specific cash flow challenges, operational needs, and growth objectives.
The B2B financing market encompasses distinct categories serving different operational models and cash flow timing needs. The Federal Reserve Small Business Credit Survey found that 56% of small business financing applicants sought funds to cover operating expenses, highlighting the importance of reliable working capital access for growing businesses. Selecting the right solution requires understanding where each platform fits within the financial cycle and which business types benefit most from each approach.
Inventory financing platforms like Kickfurther address pre-sale capital needs. These solutions fund inventory production before products generate revenue, making them ideal for consumer packaged goods brands preparing for retail distribution or seasonal demand spikes. The value proposition centers on accessing capital without giving up equity or taking on traditional debt structures.
Embedded lending infrastructure like Jifiti serves a different market entirely. Rather than providing direct financing to businesses, Jifiti enables banks and regulated lenders to launch their own white-labeled financing programs. The platform operates as middleware connecting financial institutions with merchant channels, supporting multiple loan products from consumer BNPL to business financing.
Net terms financing platforms like Resolve Pay address post-sale cash flow challenges specific to B2B commerce. When manufacturers, distributors, and wholesalers offer Net 30/60/90 payment terms to business buyers, they create a gap between delivering products and receiving payment. Net terms financing bridges this gap by providing advance payments on eligible approved invoices while buyers pay on their normal schedule.
The fundamental distinction lies in timing and customer type:
Kickfurther operates as a community-funded inventory consignment marketplace headquartered in Boulder, Colorado. Founded in 2014, the platform has facilitated $300M+ in inventory funding for consumer packaged goods brands seeking non-dilutive capital.
The consignment model distinguishes Kickfurther from traditional debt financing. Brands receive capital to purchase inventory, and repayment occurs only as that inventory sells. This structure aligns payments with actual cash flow from sales rather than imposing fixed monthly obligations that can strain growing companies.
Key characteristics of Kickfurther's approach:
Kickfurther serves specific market segments within consumer products:
Customer testimonials highlight the platform's value for inventory-intensive businesses, with multiple brands reporting significant funding volumes and year-over-year growth attributed to Kickfurther capital.
Kickfurther focuses on inventory funding for businesses selling physical products. Its consignment model provides capital for inventory before that inventory generates revenue.
Resolve Pay addresses a different stage of the B2B financial cycle. It supports sellers after a transaction by combining buyer credit assessment, net terms financing, invoicing, payments, reconciliation, and collections in a connected credit-to-cash workflow.
Jifiti Lending positions itself as an embedded lending infrastructure provider rather than a direct financing solution. Founded in 2011, the company builds technology that enables banks, regulated lenders, and enterprise merchants to deploy their own branded financing programs.
The platform operates through modular architecture, allowing financial institutions to select specific capabilities:
Jifiti's recognition in industry research reflects its enterprise positioning. The platform powers programs for financial institutions including partnerships with major payment processors, financial institutions, and enterprise retailers.
Understanding Jifiti's role requires recognizing that individual B2B suppliers cannot directly use the platform. Jifiti serves:
Jifiti's role in the lending ecosystem:
Jifiti uses a modular, white-label technology model designed for regulated financial institutions. Banks and lenders can select the lending capabilities, customer channels, integrations, and servicing components needed for their programs.
Deployment requirements vary based on the modules, channels, integrations, and customization involved.
Resolve Pay operates as a purpose-built platform for B2B manufacturers, distributors, and wholesalers who need to offer payment terms to business buyers while maintaining healthy cash flow. The platform combines net terms financing with comprehensive accounts receivable automation in a single integrated solution.
Core capabilities that distinguish Resolve Pay:
The platform serves 15,000+ businesses and maintains perfect 5.0/5 ratings on G2 and Capterra. Resolve Pay originated from the B2B payments work that spun out from Affirm, with team expertise spanning companies including Amazon and PayPal.
When B2B suppliers offer Net 30/60/90 terms to business buyers, they face a fundamental cash flow timing problem. Products ship immediately, but payment arrives weeks or months later. This gap constrains working capital, limits growth capacity, and creates credit risk exposure.
Resolve Pay addresses each component of this challenge:
Cash flow timing:
Credit risk protection:
Operational efficiency:
Customer outcomes demonstrate the practical impact of integrated net terms financing and AR automation:
Revenue growth:
Operational efficiency:
Cash flow improvement:
Kickfurther, Jifiti, and Resolve Pay address different parts of the financing ecosystem.
Kickfurther provides inventory funding for physical-product businesses. Its model is designed to help brands fund inventory before products generate revenue, with payment obligations beginning after sales start.
Jifiti provides modular, white-label lending technology for regulated financial institutions. Its platform supports consumer and business lending programs across direct and embedded channels, with the financial institution controlling the loan products and terms.
Resolve Pay is designed for B2B manufacturers, distributors, wholesalers, and other eligible sellers that extend payment terms to business buyers. Its connected platform supports:
This makes Resolve Pay particularly relevant for B2B sellers looking to strengthen the full credit-to-cash process rather than manage financing and receivables through disconnected workflows.
Understanding when each platform intervenes in the cash cycle clarifies their distinct roles:
The three platforms serve different operational models:
Primary model:
Net terms workflow:
Credit assessment:
AR automation:
Collections:
Business-system connectivity:
The three platforms address different parts of the financing workflow. Kickfurther focuses on inventory funding for physical-product businesses, while Jifiti provides modular lending technology for regulated financial institutions.
Resolve Pay is designed around the credit-to-cash needs of B2B sellers. It combines buyer credit assessment, net terms financing, invoicing, payments, reconciliation, and collections in one connected workflow, helping manufacturers, distributors, and wholesalers manage receivables while improving access to working capital.
For manufacturers, distributors, and wholesalers extending payment terms to business buyers, Resolve Pay brings non-recourse financing on eligible approved invoices, AI-powered credit decisioning, and AR automation into one connected platform designed around B2B credit-to-cash workflows.
Traditional approaches require multiple vendors: a factoring company for invoice advances, separate AR software for invoicing and reminders, collections agencies for past-due accounts, and credit bureaus for buyer evaluation. Resolve Pay consolidates these functions:
Resolve Pay provides non-recourse financing on eligible approved invoices, helping suppliers reduce exposure to covered buyer non-payment risk. Resolve Pay also manages buyer credit assessment and underwriting as part of the net terms workflow, allowing sellers to extend approved terms while protecting cash flow.
With advance payments available on eligible approved invoices, Resolve Pay can shorten the cash-flow gap created by B2B payment terms. This speed enables suppliers to:
Resolve Pay maintains SOC 2 Type II certification, providing the security and compliance posture required for enterprise B2B transactions. The platform earned the 2025 BigCommerce Innovative Integration Award, demonstrating proven integration capabilities with major ecommerce platforms.
Resolve Pay serves manufacturers, distributors, and wholesalers across multiple B2B sectors:
The platform's B2B payment solutions integrate with existing workflows through QuickBooks, NetSuite, Xero, and other business systems, while supporting ecommerce channels through Shopify, BigCommerce, Magento, and WooCommerce.
Resolve Pay combines buyer credit assessment, net terms financing, invoicing, payments, reconciliation, and collections in one platform. It is designed primarily for manufacturers, distributors, wholesalers, and other B2B sellers that extend payment terms to business customers.
Resolve Pay evaluates eligible business buyers and allows approved customers to receive flexible payment terms. Sellers can also receive advance payments on eligible approved invoices, helping reduce the cash-flow gap between invoicing and the buyer's eventual payment date.
Resolve Pay provides non-recourse protection on eligible approved invoices. This can reduce a seller's exposure to covered buyer non-payment risk while Resolve Pay manages credit assessment, underwriting, and related payment workflows.
Yes. Resolve Pay supports invoice management, payment reminders, reconciliation, collections workflows, buyer payment options, and credit management. These capabilities help B2B finance teams reduce manual work across the invoice-to-cash process.
Resolve Pay supports integrations with accounting and ERP systems including QuickBooks Online, Oracle NetSuite, Xero, and Sage Intacct, as well as ecommerce platforms including Shopify, BigCommerce, Magento, and WooCommerce. APIs are also available for custom implementations.
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.