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.
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.
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.
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.
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 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.
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.
Kickfurther's published general eligibility criteria include:
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.
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.
Kickfurther's operational platform focuses on:
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 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.
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.
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.
Approval and disbursement timelines depend on the application and underwriting process. The company markets quick funding capabilities for qualifying applications.
Mulligan Funding focuses on business lending and loan servicing. Its primary services include:
Resolve Pay separately provides buyer credit assessment, net terms financing, and accounts receivable automation.
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 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.
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
AR Automation
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.
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.
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.
B2B sellers using Resolve Pay report significant operational and financial improvements:
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.
These three platforms address fundamentally different stages of the business cycle. Rather than direct alternatives, they serve distinct purposes in business financial management.
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.
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.
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.
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.
The operational capabilities beyond financing differ significantly across these three platforms.
Resolve Pay provides integrated accounts receivable automation, combining invoice workflows, payment reminders, collections follow-up, and reconciliation with B2B net terms management:
The platform helps automate invoice workflows, payment reminders, collections follow-up, and reconciliation, reducing the need for repetitive manual AR tasks.
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.
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:
ERP and Accounting Systems:
Payment Infrastructure:
Technical 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.
Each platform evaluates different aspects of business qualification based on their financing models.
Resolve Pay:
Kickfurther:
Mulligan Funding:
Resolve Pay:
Kickfurther:
Mulligan Funding:
Resolve Pay:
Kickfurther:
Mulligan Funding:
For manufacturers, wholesalers, and distributors selling to other businesses, the key priority is maintaining cash flow while offering flexible payment terms.
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.
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.
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.
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:
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.
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.
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.
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.
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.
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.