Kickfurther vs Mulligan Funding

Selecting the right financing solution can determine whether your B2B business scales efficiently or struggles with cash flow constraints. While Kickfurther focuses on inventory consignment funding for physical product brands and Mulligan Funding provides general working capital loans, Resolve Pay delivers a complete B2B net terms platform that combines invoice financing, buyer credit underwriting, and AR automation in a single solution. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers select the approach that matches their operational needs, growth objectives, and cash flow requirements.

Key Takeaways

• Resolve Pay offers non-recourse invoice financing where sellers receive advances on eligible approved invoices, generally within one to two business days, while buyers pay on Net 30/60/90 terms, whereas Kickfurther funds pre-sale inventory production and Mulligan Funding provides general working capital loans
• Kickfurther generally serves established physical product brands with demonstrated sales and inventory performance, while Mulligan Funding currently lists $750,000 or more in annualized revenue, at least six months in business, and a minimum credit score of 625 among its qualification requirements
• Resolve Pay's AI credit engine evaluates buyer creditworthiness with rapid decisions and instant approvals for qualifying purchases, eliminating manual trade reference calls and spreadsheet tracking that traditional financing requires
• Resolve Pay includes complete AR automation capabilities with invoice generation, payment reminders, reconciliation, and collections, reducing manual AR overhead for B2B sellers
• These three solutions serve different financing stages: Resolve Pay handles post-sale invoice acceleration, Kickfurther funds pre-sale inventory production, and Mulligan Funding provides unrestricted working capital
• Resolve Pay primarily serves established B2B sellers with at least $1 million in annual B2B revenue in manufacturing, wholesale distribution, and supply industries

Understanding B2B Financing Models

The business financing market encompasses three distinct categories, each serving different operational models and stages of the cash conversion cycle. Understanding these fundamental differences helps revenue leaders select tools aligned with their specific needs.

Post-Sale Invoice Financing

Resolve Pay operates as a B2B payments platform enabling sellers to offer net payment terms to business buyers while accessing accelerated invoice payments. For eligible approved invoices, Resolve Pay can advance up to 90% of invoice value, with funding generally arriving within one to two business days. The buyer then pays on agreed Net 30/60/90 terms. This model addresses the cash gap between shipping products and receiving payment.

The platform combines credit decisioning, invoice financing, and AR automation in a single solution. Rather than simply providing capital, Resolve Pay handles the entire accounts receivable workflow from buyer credit assessment through payment collection and reconciliation.

Pre-Sale Inventory Financing

Kickfurther uses a consignment model where individual buyers on their marketplace fund inventory production before sales occur. Brands obtain funding for eligible inventory production and make payments as inventory is sold, according to the agreed consignment schedule. The model works specifically for physical product companies that need production funding before generating revenue.

The key distinction is timing: Kickfurther funds the manufacturing stage, not the post-sale receivables stage. Brands make payments according to their consignment agreements and inventory sales activity, making sell-through performance an important consideration.

General Working Capital

Mulligan Funding provides working capital loans and term loans that businesses can use for any purpose. Unlike invoice financing or inventory-specific funding, these loans provide unrestricted capital for payroll, marketing, equipment purchases, inventory, or any operational need.

The business repays on a fixed schedule regardless of sales performance or customer payment timing. This model suits companies needing flexible capital without restrictions on use.

Kickfurther

Kickfurther positions itself as an inventory financing marketplace connecting physical product brands with individual buyers who fund production runs. The platform describes itself as the "world's first online inventory financing platform" founded in 2014.

How It Works

Brands list inventory production needs on the Kickfurther marketplace. Individual buyers fund these "Co-Ops" and technically own the inventory until it sells. Brands obtain funding for eligible inventory production and make payments as inventory is sold, according to the agreed consignment schedule. The consignment structure ties payment obligations to inventory sales, with reporting deadlines, payment schedules, and other contractual requirements.

Eligibility Requirements

Kickfurther's published general eligibility criteria include:

• At least $200,000 in trailing 12-month revenue
• Demonstrated inventory sell-through
• A specific inventory order or production run to finance
• Physical product businesses only (excludes service companies)

The platform primarily serves established physical product brands selling through ecommerce, wholesale, distribution, and retail channels. Final eligibility depends on the company's inventory performance and underwriting review. Kickfurther evaluates inventory performance and historical sell-through as part of its assessment process.

Funding Capacity

The platform can fund up to 100% of cost of goods sold for qualifying brands, providing significant production capital. However, funding depends on marketplace dynamics and buyer interest in specific Co-Ops, with funding timelines varying based on Co-Op completion.

Operational Focus

Kickfurther's operational platform focuses on:

• Inventory financing through marketplace Co-Ops
• Co-Op administration and tracking
• Inventory reporting and sales documentation
• Related payment obligation management

Kickfurther focuses on financing inventory for physical product businesses, including brands selling through wholesale, distribution, retail, and ecommerce channels. Its consignment model addresses inventory funding rather than Resolve Pay's primary use case of B2B net terms financing and receivables automation.

Mulligan Funding

Mulligan Funding operates as a direct lender providing working capital loans and business term loans since 2008. Based in San Diego, California, the company focuses on business lending and loan servicing.

Loan Products

Mulligan Funding offers working capital loans and term loans that businesses can use without restrictions. Capital can fund payroll, marketing campaigns, equipment purchases, inventory acquisition, or any operational need. This flexibility distinguishes Mulligan from purpose-specific financing like invoice factoring or inventory funding.

Qualification Requirements

Mulligan Funding currently lists $750,000 or more in annualized revenue, at least six months in business, and a minimum credit score of 625 as qualification requirements. The company considers several financial factors when reviewing applications, and eligibility remains subject to underwriting. The platform evaluates the borrowing business's financial condition and credit profile, along with additional financial factors when making funding decisions.

Funding Speed

Approval and disbursement timelines depend on the application and underwriting process. The company markets quick funding capabilities for qualifying applications.

Operational Focus

Mulligan Funding focuses on business lending and loan servicing. Its primary services include:

• Business financing application and underwriting
• Working capital and term loan products
• Loan disbursement and repayment management
• Business funding support

Resolve Pay separately provides buyer credit assessment, net terms financing, and accounts receivable automation.

Contractual Structure

Mulligan Funding provides business financing with contractual obligations and any applicable guarantees depending on the financing agreement. Repayment occurs according to the loan terms regardless of business sales cycles or customer payment timing.

Resolve Pay

Resolve Pay combines buyer credit assessment, non-recourse financing on eligible approved invoices, AR automation, and B2B payment workflows in a unified platform designed for manufacturers, wholesalers, and distributors.

The platform serves over 15,000 businesses including manufacturers, distributors, and wholesalers across industries like HVAC parts, electrical supplies, construction materials, medical devices, and industrial equipment.

Core Capabilities

Non-Recourse Invoice Financing

Resolve Pay provides advances on eligible approved invoices and assumes covered buyer credit default risk under the applicable agreement. Seller protections remain subject to program terms, transaction eligibility, and contractual obligations. Many traditional factoring arrangements include recourse provisions, although non-recourse factoring options also exist. Resolve Pay offers non-recourse protection against covered buyer defaults on eligible approved financed invoices, subject to its applicable program terms.

AI-Powered Credit Decisions

• Proprietary credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals
• Delivers decisions with rapid turnaround and instant approvals for some purchases
• Discreet business credit checks that do not affect personal credit scores
• Assesses multiple financial and behavioral signals to support credit decisions

AR Automation

• Supports invoice workflows, automated payment reminders, transaction reconciliation, and accounts receivable visibility
• Offers integrations with QuickBooks Online, Xero, Sage Intacct, and NetSuite, with synchronization capabilities depending on the connected system and configuration
• Real-time AR dashboards showing DSO and aging reports
• Helps match incoming payments with outstanding invoices and maintain accurate receivables records

Agentic Collections

AI-assisted collections workflows help automate payment reminders and follow-up activities, with escalation and communication options depending on the configured workflow. The system helps preserve customer relationships while supporting efficient collections processes.

Branded Payment Portal

Buyers can access invoices and complete payments through supported methods, including ACH, wire transfers, credit cards, and checks.

Integration Ecosystem

Resolve Pay supports integrations with major ecommerce platforms, including Shopify, BigCommerce, Magento 2, and WooCommerce, alongside accounting and ERP systems such as QuickBooks Online, Xero, Sage Intacct, and NetSuite. Available synchronization capabilities depend on the integration and its configuration. Resolve Pay also received the 2025 BigCommerce Innovative Integration Award for its contribution to B2B ecommerce integration.

Eligibility Requirements

Resolve Pay primarily serves established B2B sellers with at least $1 million in annual B2B revenue. The platform evaluates business buyers to determine credit eligibility and available payment terms. Its underwriting process assesses buyer creditworthiness using proprietary underwriting models and business data, making it relevant for qualifying sellers seeking to extend credit while protecting cash flow.

Implementation timelines depend on the selected integrations, onboarding requirements, and complexity of the seller's existing systems.

Customer Results

B2B sellers using Resolve Pay report significant operational and financial improvements:

• SS&SI Dealer Network: Achieved 5x revenue growth using Resolve Pay's net terms platform
• ConEquip: 30% year-over-year growth in construction equipment sales
• Archipelago Lighting: Tripled revenue while reducing net terms approval time from 10 days to rapid decisions
• Trenchless Supply: Reduced AR workload with credit approvals delivered quickly
• Elston Materials: Increased margins from 25% to 30%
• Shields Childcare Supplies: Won new business by offering extended net terms through Resolve Pay

The platform combines accelerated funding on eligible approved invoices, buyer credit assessment, and AR automation to help sellers offer flexible payment terms while managing cash flow and covered credit risk.

How Different Financing Models Affect B2B Cash Flow

These three platforms address fundamentally different stages of the business cycle. Rather than direct alternatives, they serve distinct purposes in business financial management.

Inventory Financing Before Sales

A physical product brand receives a purchase order for 10,000 units and needs capital to manufacture the product before shipping. Kickfurther funds the eligible production run, and the brand makes payments based on inventory sales under its agreed Co-Op schedule. Payment obligations may arise before the brand receives payment from wholesale customers.

Resolve Pay's Role: Resolve Pay focuses on approved B2B invoices rather than financing inventory production. Once goods are sold to business buyers, its net terms platform can help eligible sellers accelerate payments and manage outstanding receivables.

Post-Sale Invoice Acceleration

A distributor ships $50,000 in HVAC equipment to an approved contractor on Net 60 terms. Through Resolve Pay's net terms financing, the distributor may qualify for an advance on the approved invoice value, generally funded within one to two business days. The contractor then pays according to the agreed 60-day payment terms.

Kickfurther's consignment model addresses inventory funding rather than post-sale receivables financing.

General Business Working Capital

An equipment rental company needs capital for a marketing campaign, payroll during slow season, and equipment maintenance. Mulligan Funding provides capital that businesses can use for various operational purposes, with repayment according to agreed loan schedules.

Resolve Pay finances specific approved invoices rather than providing general unrestricted working capital. However, faster invoice payment through Resolve Pay can improve overall cash position for qualifying B2B transactions.

How Resolve Pay Supports the B2B Cash Conversion Cycle

B2B businesses often face cash flow gaps between fulfilling orders and collecting customer payments. These gaps can affect inventory replenishment, supplier payments, and operating flexibility.

Resolve Pay addresses this challenge through buyer credit assessment, net terms financing on eligible approved invoices, and accounts receivable automation. By accelerating access to invoice payments and managing collections workflows, the platform helps eligible sellers maintain cash flow while extending flexible terms to business customers.

AR Automation and Operational Efficiency

The operational capabilities beyond financing differ significantly across these three platforms.

Resolve Pay's AR Automation

Resolve Pay provides integrated accounts receivable automation, combining invoice workflows, payment reminders, collections follow-up, and reconciliation with B2B net terms management:

• Automated Invoice Generation: Synced from ERP and accounting systems
• Automated Payment Reconciliation: Helps match incoming payments with outstanding invoices and maintain accurate receivables records
• Real-Time Dashboards: DSO tracking, aging reports, and portfolio health monitoring
• Accounting Integrations: Connects with QuickBooks, Xero, Sage Intacct, and NetSuite, with available synchronization functions depending on integration configuration
• Agentic Collections: AI-assisted payment reminders, collections follow-up, and workflow management

The platform helps automate invoice workflows, payment reminders, collections follow-up, and reconciliation, reducing the need for repetitive manual AR tasks.

Kickfurther and Mulligan Funding Operational Scope

Kickfurther's operational platform focuses on inventory financing, Co-Op administration, inventory reporting, and related payment obligations. Mulligan Funding focuses on business financing application, underwriting, loan disbursement, and repayment management.

Both platforms serve their specific financing purposes but do not provide the integrated AR automation, buyer credit assessment, or receivables management that characterizes Resolve Pay's approach to B2B net terms.

Technical Capabilities and Integration Options

Resolve Pay Integrations

Resolve Pay supports integrations with major ecommerce platforms, including Shopify, BigCommerce, Magento 2, and WooCommerce, alongside accounting and ERP systems such as QuickBooks Online, Xero, Sage Intacct, and NetSuite. Available synchronization capabilities depend on the integration and its configuration.

Ecommerce Platforms:

• Shopify
• BigCommerce
• Magento 2
• WooCommerce

ERP and Accounting Systems:

• QuickBooks Online
• Xero
• Sage Intacct
• Oracle NetSuite
• AIMS360 (apparel/fashion ERP)

Payment Infrastructure:

• BlueSnap (global payment processing)
• Multiple payment rails: ACH, wire, credit card, check

Technical Capabilities:

• Flexible API options for custom ecommerce and business system integrations
• Automated invoice, payment, and accounting data synchronization where supported
• Branded payment portal and embedded checkout capabilities
• Integration configuration and technical support based on business requirements

Kickfurther and Mulligan Funding Integration Capabilities

Kickfurther provides limited public information about technical integrations. The platform primarily operates through its marketplace interface for Co-Op management and inventory tracking.

Mulligan Funding operates as a direct lender with loan servicing through their systems. Integration capabilities focus on the lending and repayment process rather than extensive business software connections.

Eligibility Requirements Comparison

Each platform evaluates different aspects of business qualification based on their financing models.

Revenue and Business Requirements

Resolve Pay:

• Primarily serves established B2B sellers with at least $1 million in annual B2B revenue
• Evaluates buyer creditworthiness to determine eligibility for credit and invoice advances
• Serves manufacturers, distributors, wholesalers, and other qualifying B2B businesses
• Requires applicable seller onboarding and transaction approval

Kickfurther:

• Generally requires at least $200,000 in trailing 12-month revenue
• Evaluates inventory performance and historical sell-through
• Requires an identifiable inventory order or production run
• Focuses on physical product businesses

Mulligan Funding:

• Requires $750,000 or more in annualized revenue
• Requires at least six months in business
• Lists a minimum credit score of 625
• Considers business financial performance and other underwriting factors

Credit Assessment Approach

Resolve Pay:

• Evaluates buyer creditworthiness using proprietary underwriting models and business data
• Assesses multiple financial and behavioral signals to support credit decisions
• Offers discreet business credit checks that do not affect personal credit scores
• Provides rapid decisions, with some qualifying purchases eligible for instant approval

Kickfurther:

• Evaluates brand sales trajectory and inventory economics
• Focuses on inventory performance and sell-through history
• Considers overall business health and marketplace funding dynamics

Mulligan Funding:

• Evaluates the borrowing business's financial condition and credit profile
• Publishes a minimum credit score requirement of 625
• Considers additional financial factors when making funding decisions

Risk Structure

Resolve Pay:

• Non-recourse financing available on eligible approved invoices
• Protection against covered buyer defaults, subject to program terms
• Financing eligibility and seller obligations governed by the applicable agreement

Kickfurther:

• Uses an inventory consignment structure supported by contractual ownership and security arrangements
• Requires brands to meet inventory reporting and payment obligations
• Contractual obligations and any applicable guarantees depend on the financing agreement

Mulligan Funding:

• Contractual obligations governed by loan agreement
• Repayment obligations independent of business sales performance
• Terms and structure depend on the specific financing arrangement

Why Resolve Pay Supports B2B Sellers

For manufacturers, wholesalers, and distributors selling to other businesses, the key priority is maintaining cash flow while offering flexible payment terms.

Managing Cash Flow After Inventory Sales

Inventory financing supports the production or acquisition stage of the business cycle. Once products are sold to business buyers, Resolve Pay helps eligible sellers accelerate payment on approved invoices, manage receivables, and offer flexible net terms.

The platform addresses the specific cash flow gap that occurs after inventory is sold but before customer payments arrive. This post-sale financing differs fundamentally from pre-sale inventory production funding.

Supporting Day-to-Day Working Capital

General business financing can provide capital for operating needs. Resolve Pay addresses a specific source of working capital pressure by accelerating payment on eligible B2B invoices and reducing administrative work across the receivables process.

By focusing on the accounts receivable component of working capital, Resolve Pay helps B2B sellers maintain healthy cash flow while supporting customers with extended payment terms.

Building a More Efficient B2B Payment Process

Example 1: A beverage distributor supplies products to restaurant customers on Net 60 terms. Resolve Pay helps the distributor assess buyer creditworthiness, offer approved payment terms, and access accelerated payment on eligible invoices.

Example 2: An industrial supplies distributor sells equipment to contractors with extended payment terms. Resolve Pay supports the credit approval process, invoice financing, payment reminders, and receivables reconciliation.

For manufacturers, wholesalers, and distributors, Resolve Pay brings these activities together in a single B2B payments platform, improving visibility and reducing manual AR work.

Strengthen B2B Cash Flow With Resolve Pay

Inventory financing, working capital loans, and B2B net terms financing serve different business needs. For companies selling products to other businesses on extended payment terms, Resolve Pay provides an integrated solution focused on accelerating invoice payments and simplifying accounts receivable management.

Why B2B Sellers Choose Resolve Pay:

• Accelerated Invoice Funding: Access advances on eligible approved invoices, generally within one to two business days
• Reduced Credit Risk: Protection against covered buyer credit defaults on eligible approved financed invoices, subject to program terms
• Complete AR Automation: Reduce manual invoicing, collections follow-up, and reconciliation tasks through integrated workflows
• Buyer Credit Assessment: Rapid decisions on customer creditworthiness with some qualifying purchases eligible for instant approval
• Branded Experience: Maintain your brand throughout the buyer payment journey

With flexible Net 30/60/90 terms, buyer credit assessment, non-recourse financing on eligible approved invoices, and automated collections workflows, Resolve Pay helps manufacturers, distributors, and wholesalers support customer purchasing needs while maintaining healthier cash flow.

Explore Resolve Pay's net terms platform to see how integrated credit, financing, and AR automation can support your B2B sales operations.

Frequently Asked Questions

How Does Resolve Pay Help B2B Businesses Manage Cash Flow?

Resolve Pay helps eligible B2B sellers offer flexible payment terms while receiving accelerated payment on approved invoices. Its platform combines buyer credit assessment, non-recourse financing on eligible transactions, payment reminders, collections, and reconciliation. This helps manufacturers, distributors, and wholesalers manage the gap between invoicing customers and receiving payment while reducing manual AR work through automation.

What Businesses Qualify for Resolve Pay?

Resolve Pay primarily serves established B2B sellers with at least $1 million in annual B2B revenue. The platform works with manufacturers, distributors, wholesalers, and other qualifying B2B businesses. Rather than focusing primarily on seller financials, Resolve Pay evaluates buyer creditworthiness to determine eligibility for credit and invoice advances, making it relevant for sellers with creditworthy business customers.

How Quickly Does Resolve Pay Advance Approved Invoices?

Resolve Pay generally delivers advances on eligible approved invoices within one to two business days, with the amount determined by the approved transaction and applicable program terms. For ongoing B2B invoicing, Resolve Pay provides an established process for accelerating payment on eligible approved invoices while buyers retain their agreed payment terms.

What Accounts Receivable Automation Does Resolve Pay Provide?

Resolve Pay combines AR automation, buyer credit assessment, and net terms financing in one platform. Its capabilities include invoice workflows, automated payment reminders, reconciliation, accounting integrations, and agentic collections. These tools help B2B sellers reduce manual receivables work while maintaining flexible payment terms for approved buyers through integrated synchronization with QuickBooks, Xero, Sage Intacct, and NetSuite.

Is Resolve Pay suitable for e-commerce businesses selling B2B?

Yes. Resolve Pay supports integrations with Shopify, BigCommerce, Magento, and WooCommerce specifically for B2B ecommerce. The platform received the 2025 BigCommerce Innovative Integration Award for its contribution to B2B ecommerce integration. B2B ecommerce businesses can offer net terms at checkout, with Resolve Pay handling credit decisions, invoice financing, and payment collection through embedded capabilities.

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.