Choosing the right financing solution for your business depends on understanding what problem you actually need to solve. While Kickfurther offers inventory consignment funding for CPG brands and National Funding provides business financing for established companies, Resolve Pay delivers net terms with non-recourse protection specifically designed for B2B suppliers who need to accelerate cash flow on customer invoices.
Understanding these fundamental differences helps mid-market manufacturers, distributors, and wholesalers select the approach that matches their operational model and growth objectives. According to the U.S. Small Business Administration, different financing structures serve different stages of the business cash cycle, from inventory acquisition through customer payment collection.
The business financing market encompasses several distinct categories, each serving different operational models and cash flow stages. Understanding these fundamental differences helps finance leaders select tools aligned with their specific challenges rather than generic capital needs.
According to the U.S. Census Bureau's Economic Census, wholesale trade is a major component of the U.S. economy, with payment terms creating significant cash flow timing challenges for suppliers.
The critical distinction lies in timing and focus. For B2B distributors, manufacturers, and wholesalers extending payment terms to business buyers, the post-invoice financing model directly addresses their core cash flow challenge.
Kickfurther positions itself as an inventory financing platform using a consignment model designed for CPG brands, retailers, and e-commerce companies. The platform has facilitated $300M+ in deal flow since its founding in 2014.
The consignment structure works differently than traditional loans. Kickfurther purchases inventory on behalf of the brand through crowdfunding from individual backers. The brand then sells that inventory and repays backers as products move. This creates several distinctive characteristics:
Several characteristics define Kickfurther's scope:
Kickfurther's consignment model centers on physical inventory funding, inventory sales reporting, and repayment tied to product sales. Its financing structure is designed around inventory movement rather than the collection of B2B customer invoices.
For manufacturers, distributors, and wholesalers managing customer payment terms, Resolve Pay's net terms solution addresses the receivables stage by providing advances on eligible approved invoices while supporting buyer credit management and collections.
National Funding operates as an established business lender, having deployed billions in business financing since 1999. The company provides short-term business financing and equipment financing for companies with established revenue histories.
The financing model follows traditional structures:
National Funding maintains specific eligibility criteria for its business financing products, including revenue history, time in business, and creditworthiness requirements. Eligibility and any collateral requirements depend on the provider and specific financing agreement.
National Funding focuses on business financing and repayment management rather than operating as an accounts receivable automation platform. Resolve Pay offers integrations with supported accounting, ERP, and e-commerce systems to connect credit, invoicing, payments, and reconciliation workflows.
For B2B suppliers investing in equipment while managing customer receivables, Resolve Pay can support the invoice-to-cash portion of their financial operations through approved invoice advances, automated payments, and collections management.
Resolve Pay operates as a B2B payments platform that enables manufacturers, distributors, and wholesalers to offer net payment terms to business buyers while receiving upfront cash and reducing credit risk. Rather than waiting for customers to complete their net payment terms, sellers can receive upfront advances on eligible approved invoices, often within 24 to 48 hours, subject to program terms and processing.
The platform combines several capabilities that distinguish it from inventory financing and general business loans:
Resolve Pay connects natively with major e-commerce and accounting platforms:
The two-way ERP sync ensures automatic payment reconciliation, eliminating manual data entry and reducing errors. A REST API with webhooks supports custom integrations for larger partners.
Resolve Pay maintains 5.0/5 stars on G2 and 5.0/5 stars on Capterra, with users highlighting ease of implementation, responsive customer support, and improved cash flow management. The platform serves over 15,000 businesses across manufacturing, wholesale distribution, and supply industries.
The fundamental question for any B2B supplier evaluating these options is: what stage of the cash cycle needs support?
For inventory-related cash flow needs: Inventory consignment financing supports qualifying inventory purchases and production costs. Resolve Pay focuses on the separate challenge of managing buyer payment terms and accelerating cash flow from eligible approved B2B invoices.
For general working capital needs: Business financing products can provide funds for operational expenses under their respective repayment agreements. Resolve Pay specializes in receivables-related cash flow by linking advances to eligible approved B2B invoices.
For faster cash flow on B2B invoices: Resolve Pay advances funds on eligible approved invoices while buyers retain their agreed net payment terms. Its non-recourse structure protects sellers against covered buyer credit defaults, subject to program terms.
Each platform handles credit risk differently. Resolve Pay assumes default risk on approved invoices, with sellers generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. Kickfurther's consignment structure ties repayment to inventory sales, while business financing agreements establish borrower repayment obligations.
For eligible B2B suppliers, Resolve Pay's buyer-focused credit decisioning helps streamline the approval process while maintaining underwriting standards. Merchant eligibility and financing availability remain subject to review.
The platforms differ in operational capabilities:
Resolve Pay provides comprehensive workflow automation including:
Kickfurther focuses on inventory consignment financing, deal management, and sales-based repayment workflows. Its operational model is different from Resolve Pay's integrated buyer credit, invoicing, and receivables management platform.
National Funding focuses on business financing and repayment management rather than operating as an accounts receivable automation platform. Resolve Pay offers integrations with supported accounting, ERP, and e-commerce systems to connect credit, invoicing, payments, and reconciliation workflows.
B2B suppliers often need capital quickly to fulfill orders or manage seasonal demand:
|
Platform |
Application Process |
Credit/Approval Process |
Funding Timeline |
|---|---|---|---|
|
Resolve Pay |
Online application and buyer credit assessment |
Rapid decisions for qualifying buyers; merchant eligibility also applies |
Often within 24 to 48 hours for eligible approved invoices, subject to processing |
|
Kickfurther |
Online application and inventory deal review |
Generally around 72 hours for initial review, subject to requirements |
Typically within days after approval and marketplace funding |
|
National Funding |
Online financing application |
Subject to underwriting and required documentation |
As soon as the next business day for qualifying applicants |
Resolve Pay's AI credit engine streamlines buyer credit assessments, with rapid decisions available for qualifying applications. Eligible approved invoices can receive upfront funding, helping suppliers accelerate cash flow without waiting for their buyers' payment deadlines.
Business financing providers may offer different structures, including installment loans and sales-based financing. National Funding's available financing structures and repayment requirements vary by product and state.
Some financing arrangements include:
Resolve Pay's net terms financing offers a different approach for B2B suppliers:
Resolve Pay is designed for manufacturers, wholesalers, distributors, and other eligible B2B sellers that want to provide flexible payment terms while maintaining healthy cash flow.
Resolve Pay supports businesses that want to:
Resolve Pay focuses on the B2B receivables lifecycle, connecting credit decisioning, invoice financing, payments, and collections.
For eligible B2B suppliers seeking more predictable cash flow and less manual receivables work, Resolve Pay provides a connected platform built around these operational needs. Its non-recourse protection means sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms.
The platform's comprehensive AR automation reduces manual work while its AI-powered credit decisions help suppliers extend terms to more qualified buyers. With native integrations to major accounting and e-commerce platforms, Resolve Pay connects the entire receivables workflow from credit approval through payment reconciliation.
Kickfurther provides inventory consignment financing for CPG brands and retailers, funding qualifying physical inventory with repayment tied to sales velocity. National Funding offers business financing products for established companies. Neither platform addresses the specific challenge B2B suppliers face when offering net payment terms to customers. Resolve Pay provides advances on eligible approved invoices with non-recourse protection against covered buyer credit defaults.
Pre-revenue startups generally face additional financing eligibility challenges. Resolve Pay serves eligible B2B merchants by combining buyer credit assessments, net terms management, and advances on approved invoices. Both merchant eligibility and buyer creditworthiness affect financing availability, so startups should verify qualification requirements before relying on invoice advances.
Neither Kickfurther nor National Funding offers non-recourse protection. With Kickfurther's consignment model, brands repay investors as inventory sells. Business financing agreements establish borrower repayment obligations. Resolve Pay's non-recourse structure means sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms.
Resolve Pay provides fast advances on eligible approved B2B invoices, often within 24 to 48 hours, subject to approval and processing. Kickfurther's funding timeline depends on deal approval and marketplace funding, typically within days. National Funding advertises next-business-day funding for eligible applicants, subject to underwriting and documentation requirements.
Resolve Pay helps eligible B2B suppliers manage the gap between issuing invoices and collecting customer payments. It combines buyer credit assessments, flexible net terms, advances on eligible approved invoices, payment processing, and collections automation. This approach allows suppliers to improve receivables workflows and access working capital earlier while maintaining payment flexibility for approved 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.