Selecting the right funding solution for your business depends on understanding what problem you need to solve. While Kickfurther focuses on inventory consignment funding for product-based brands, Merchant Growth provides Canadian business financing alongside B2B payment options through Tabit. Resolve Pay focuses on helping B2B suppliers offer flexible net payment terms while improving cash flow through integrated credit decisioning, invoice advances, receivables automation, and collections.
Resolve Pay's net terms platform fills a specific gap for manufacturers, distributors, and wholesalers that need to offer Net 30/60/90 terms to customers while receiving upfront payment and reducing credit risk on eligible approved invoices.
Kickfurther operates a unique marketplace-based consignment model designed specifically for consumer packaged goods brands needing to fund physical inventory before sales occur. Founded in 2014 and headquartered in Buffalo, New York, the platform connects brands with a community of buyers who fund inventory production in exchange for a return when products sell.
The consignment structure means brands receive funding to produce inventory, and payments generally begin as that inventory sells through retail channels. This sales-aligned approach can accommodate businesses with variable demand cycles, as payment timing adjusts based on actual sell-through rather than fixed monthly schedules.
Merchant Growth, founded in 2009 and headquartered in Vancouver, British Columbia, provides alternative financing solutions exclusively for Canadian small businesses. Originally operating as Merchant Advance Capital before rebranding in 2019, the company offers term loans, merchant cash advances, and lines of credit for general business purposes, alongside B2B payment options through Tabit.
The platform focuses on accessibility, providing funding options for businesses that may not qualify for traditional bank financing. Merchant Growth serves Canadian businesses seeking working capital for operational needs, inventory purchases, equipment, or expansion.
Resolve Pay specializes in helping B2B suppliers offer competitive net payment terms while maintaining healthy cash flow and reducing credit risk. Rather than providing working capital or inventory funding, Resolve Pay creates an integrated system for managing the entire invoice-to-cash cycle for manufacturers, distributors, and wholesalers selling to business customers.
The platform combines buyer credit decisioning, invoice financing, accounts receivable automation, and collections into a unified solution. This approach addresses the specific challenge B2B suppliers face when customers request Net 30/60/90 payment terms.
Resolve Pay emphasizes buyer creditworthiness when making trade credit decisions, using an AI-powered credit engine that evaluates thousands of data points. Buyer credit assessments can be completed quickly, often within 24 business hours, subject to verification and review. Seller eligibility and invoice financing approval remain subject to Resolve Pay's qualification requirements.
The platform provides non-recourse protection on eligible approved invoices, meaning sellers are generally protected from repayment obligations arising solely from covered buyer defaults on qualifying transactions. This structure reduces bad debt exposure on eligible approved financed invoices and enables suppliers to confidently extend terms to approved customers.
When an eligible B2B invoice is approved for financing, Resolve Pay can provide an upfront advance, typically within 24 to 48 hours. The advance amount depends on the approved arrangement and applicable program terms. Instead of waiting through extended customer payment terms, businesses can receive upfront advances on eligible approved invoices, typically within 24 to 48 hours.
This financing approach converts extended receivables into immediate working capital without requiring collateral beyond the invoices themselves. Sellers offer Net 30/60/90 terms to approved buyers while receiving upfront advances on eligible approved invoices.
Beyond financing, Resolve Pay's AR automation handles invoice generation, payment matching, reconciliation, and accounting system synchronization. The platform integrates with major ERP and accounting systems to eliminate manual data entry and reduce AR overhead.
Automation features include:
The agentic collections capability uses multi-channel automated sequences across email, SMS, and voice AI to follow up on outstanding invoices. Intelligent escalation based on buyer response preserves customer relationships while reducing days sales outstanding.
Customer results demonstrate the impact. Trenchless Supply reported reducing AR workload by 90%, while Archipelago Lighting reduced net terms approval time from 10 days to 24 hours and now offers credit lines 20 times higher than previously possible.
The platform supports integrations with ecommerce, accounting, and ERP systems including Shopify, BigCommerce, Magento, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and NetSuite. Implementation timelines vary depending on the selected integration, data synchronization requirements, and workflow configuration.
Resolve Pay provides a white-labeled buyer dashboard supporting ACH, wire transfer, credit card, and check payments with self-serve payment plans and dispute management. This creates a seamless experience for customers while maintaining the seller's brand throughout the payment process.
Each platform structures its financing differently, with significant implications for cash flow management and business operations.
Kickfurther's approach treats inventory funding as a consignment arrangement rather than traditional debt. Brands receive capital to produce inventory, and the funding community earns returns as products sell. Under Kickfurther's consignment structure, payment obligations generally arise as inventory sells. However, businesses may face additional obligations under specific contractual circumstances, including canceled arrangements where inventory is not returned as required.
If products move slower than anticipated, businesses may need to adjust their cash flow planning to accommodate the extended inventory selling period and contractual obligations. The investor-side reviews on Trustpilot indicate some variability in outcomes, with reported experiences including delayed repayments.
The platform focuses on inventory funding rather than comprehensive accounts receivable management. B2B suppliers may also need systems for managing customer invoices and receivables, handling collections on past-due accounts, and reconciling payments with accounting systems.
Merchant Growth's merchant cash advance product structures repayment around future sales revenue. Businesses receive upfront capital and repay through daily or weekly remittances as a percentage of sales or fixed amounts.
While marketed as flexible, the frequent payment structure means ongoing cash flow dedication regardless of monthly performance variations. The term loan products follow more traditional fixed repayment schedules.
Merchant Growth also offers B2B payment options through Tabit, which supports upfront payments to sellers. Resolve Pay provides an integrated approach to net terms financing, credit decisions, invoice management, and automated collections.
Resolve Pay takes a fundamentally different approach by financing post-sale invoices rather than providing working capital or inventory funding. When an eligible B2B invoice is approved for financing, Resolve Pay can provide an upfront advance, typically within 24 to 48 hours. The advance amount depends on the approved arrangement and applicable program terms.
The key advantage is that your customer's payment to Resolve completes the transaction, and on eligible approved invoices, you receive protection against covered buyer credit defaults. This non-recourse structure on qualifying transactions means you can offer competitive terms without carrying the full risk of customer non-payment.
The barriers to entry differ significantly across platforms, affecting which businesses can realistically access each solution.
Resolve Pay emphasizes buyer creditworthiness when making trade credit decisions, using an AI-powered credit engine that evaluates thousands of data points. Buyer credit assessments can be completed quickly, often within 24 business hours, subject to verification and review. Seller eligibility and invoice financing approval remain subject to Resolve Pay's qualification requirements.
This buyer-focused approach can enable sellers to offer terms to approved customers even when those customers are new or unfamiliar, with the credit engine handling evaluation rather than requiring manual trade reference calls.
Cash flow implications vary dramatically based on when you receive funds, how repayment works, and what operational support each platform provides.
With Kickfurther, cash arrives before you sell inventory, creating positive near-term cash flow. However, payments begin as products sell, and if inventory moves slowly, businesses face extended obligations while carrying unsold stock.
The platform focuses solely on inventory funding, meaning you still need separate solutions for managing customer invoices and receivables, handling collections on past-due accounts, and reconciling payments with your accounting system.
Merchant Growth provides immediate working capital, but daily or weekly remittance structures create ongoing cash outflows. During slow sales periods, fixed payment obligations can strain liquidity even as the funding initially relieved pressure.
The flexible use of funds means capital can address various needs, from payroll to marketing to inventory. Merchant Growth also offers B2B payment options through Tabit. Resolve Pay provides an integrated approach to net terms financing, credit decisions, invoice management, and automated collections.
Instead of waiting through extended customer payment terms, businesses can receive upfront advances on eligible approved invoices, typically within 24 to 48 hours. This transforms the cash flow equation for B2B sellers by converting extended payment terms into immediate working capital.
Beyond the financing component, Resolve Pay's accounts receivable automation handles automated invoice generation synced from your ERP, smart payment reconciliation using machine learning, real-time AR dashboards showing DSO, aging, and portfolio health, and automated bookkeeping sync to major accounting platforms.
The agentic collections capability uses multi-channel automated sequences across email, SMS, and voice AI to follow up on outstanding invoices. Intelligent escalation based on buyer response preserves customer relationships while reducing days sales outstanding.
Customer results demonstrate the impact. Trenchless Supply reported reducing AR workload by 90%, while Archipelago Lighting reduced net terms approval time from 10 days to 24 hours and now offers credit lines 20 times higher than previously possible.
The risk structure of each platform determines who bears the loss when things go wrong.
Under Kickfurther's consignment model, payments generally correspond to sales of funded inventory rather than a conventional loan repayment schedule. The consignment agreement also establishes obligations for circumstances such as canceled arrangements and inventory that is not returned. Businesses should review these contractual provisions to understand their responsibilities.
Merchant Growth financing typically requires personal guarantees, meaning business owners put personal assets at risk. If the business cannot meet repayment obligations, personal liability may apply depending on the financing agreement terms.
Resolve Pay offers non-recourse financing on eligible approved invoices, meaning sellers are generally protected from repayment obligations arising solely from covered buyer defaults on qualifying transactions, subject to program terms.
This structure fundamentally changes how B2B sellers approach credit decisions. Rather than avoiding net terms offered to unfamiliar customers, sellers can confidently extend payment options knowing that Resolve's credit engine has evaluated buyer risk and that protection exists for covered defaults.
The combination of buyer-focused underwriting and non-recourse protection enables sellers to offer competitive terms to win deals, expand into new markets without building internal credit departments, reduce bad debt exposure on eligible transactions, and focus on sales rather than credit management.
Resolve Pay takes a different approach, combining trade credit, invoice financing, AR automation, and collections in one integrated B2B platform.
For manufacturers, distributors, and wholesalers, Resolve Pay's B2B payments solution connects the full invoice-to-cash cycle through:
With 15,000+ businesses using Resolve Pay and integrations across major ecommerce, accounting, and ERP systems, the platform helps B2B suppliers modernize credit management, invoicing, payments, and collections.
Reported customer results include:
For B2B suppliers looking beyond standalone funding, Resolve Pay provides an integrated approach to managing trade credit, accelerating cash flow, and streamlining the entire invoice-to-cash process.
Resolve Pay helps B2B suppliers improve cash flow by providing upfront advances on eligible approved invoices. Sellers can offer customers flexible net payment terms while accessing funds before the invoice's payment due date. The platform also supports credit decisioning, automated payment reminders, collections, and reconciliation, reducing the administrative burden associated with managing receivables.
Resolve Pay evaluates buyer creditworthiness when making trade credit decisions, but sellers must also meet applicable onboarding and eligibility requirements. Newer B2B businesses should confirm whether their business model and revenue profile qualify. Once approved, sellers can use Resolve Pay's credit management and payment workflows to offer eligible buyers flexible terms.
Resolve Pay provides non-recourse protection on eligible approved invoices. This generally protects sellers against repayment obligations arising solely from covered buyer credit defaults, subject to program conditions. The protection does not automatically cover disputes, fraud, contractual breaches, or other excluded circumstances. Sellers should review their agreement to understand the applicable coverage.
Resolve Pay typically provides upfront advances within 24 to 48 hours on eligible approved invoices. Funding timing depends on invoice eligibility, approval, verification, and processing requirements. Buyer credit decisions may also be completed quickly, allowing suppliers to offer approved customers net payment terms without relying entirely on manual credit review.
Resolve Pay supports working capital management by converting eligible receivables into earlier cash flow. Suppliers can use this liquidity for inventory, payroll, operations, and growth initiatives. Its integrated accounts receivable automation also supports payment tracking, reconciliation, and collections, helping finance teams manage outstanding invoices while maintaining flexible payment options for business buyers.
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.