When B2B sellers need to improve cash flow, choosing the right financing solution can determine whether their business thrives or struggles with working capital gaps. Kickfurther specializes in inventory consignment funding for consumer product brands, while OnDeck provides term loans and lines of credit for general business expenses. However, for B2B manufacturers, distributors, and wholesalers who need to offer net payment terms to their customers while maintaining healthy cash flow, neither option addresses the core challenge. Understanding these fundamental differences helps business owners select the financing approach that matches their specific operational needs and growth objectives.
The business financing market encompasses distinct categories, each serving different operational models and cash flow challenges. Kickfurther, OnDeck, and Resolve Pay operate in fundamentally different segments of this landscape.
Inventory financing platforms like Kickfurther provide capital specifically for purchasing or manufacturing physical products before they sell. The consignment model enables marketplace participants to fund inventory purchases, with payments generally tied to inventory sales and governed by the applicable agreement. This structure works well for seasonal businesses or brands with predictable sales cycles who need to stock up before peak demand.
Working capital lenders like OnDeck offer financing for various business purposes, from payroll and rent to equipment purchases and marketing campaigns. According to the U.S. Small Business Administration, working capital loans come with defined repayment schedules, which creates predictable obligations for borrowers.
B2B net terms platforms like Resolve Pay address a third category entirely: accelerating cash from B2B invoices while enabling sellers to offer competitive payment terms to their business customers. This approach solves the specific challenge facing manufacturers, distributors, and wholesalers whose customers expect Net 30, 60, or 90 day payment terms.
Kickfurther operates as a marketplace connecting product brands with individual investors who fund inventory purchases through a consignment structure. Rather than traditional debt structures, businesses receive inventory funding from a pool of investors who earn returns as products sell.
The platform targets consumer packaged goods brands, ecommerce sellers, and Amazon FBA businesses that need capital to manufacture or purchase inventory before sales occur. With over $300M funded since launching in 2014, Kickfurther has established itself in the inventory financing niche.
Key characteristics of the Kickfurther model include:
Kickfurther generally requires $400,000 in trailing 12-month revenue, but may consider businesses generating $200,000–$400,000 with qualifying purchase orders from national retailers. The platform evaluates product margins, sales velocity, and brand track record when approving deals.
Kickfurther's inventory-focused model differs from the credit-to-cash workflows used by B2B suppliers. Manufacturers, wholesalers, and distributors managing customer invoices may also require:
Resolve Pay's AR automation brings these capabilities together to support B2B sellers throughout the invoice-to-payment process.
OnDeck provides short-term business loans and lines of credit designed for established small businesses needing quick access to working capital. Since 2006, the company has funded over $25 billion to more than 185,000 businesses, making it one of the established online lenders in the market.
The platform offers two primary products:
OnDeck maintains defined qualification criteria:
The platform provides expedited application processing and funding options for eligible borrowers. Funding availability depends on approval, application timing, and banking requirements.
OnDeck's financing structure includes several considerations:
For B2B manufacturers, distributors, and wholesalers, neither Kickfurther nor OnDeck addresses the core cash flow challenge: customers who expect extended payment terms but sellers who need cash now.
Resolve Pay was built specifically for B2B payment scenarios. The platform enables sellers to offer competitive Net 30, 60, or 90 terms while receiving upfront cash on approved invoices. Unlike traditional factoring or business loans, Resolve Pay provides non-recourse financing on eligible approved invoices, helping protect sellers from covered buyer credit defaults.
The platform combines several capabilities that separate solutions would require multiple vendors to achieve:
Resolve Pay's non-recourse structure on eligible approved invoices represents a fundamental difference from traditional working capital loans. When the applicable protection applies, sellers generally retain the advanced funds even if an approved buyer fails to pay. Coverage remains subject to the financing agreement, including exclusions and seller obligations.
This approach reduces bad debt exposure on eligible approved financed invoices while enabling B2B sellers to extend competitive payment terms that support customer relationships and sales growth.
Resolve Pay generally serves established B2B businesses, including manufacturers, distributors, wholesalers, and suppliers. The platform evaluates both seller eligibility and buyer creditworthiness. Stated eligibility begins at approximately $1 million or more in annual B2B revenue, though seller qualification and buyer approvals remain subject to underwriting, transaction verification, and applicable program requirements.
Understanding eligibility requirements helps businesses evaluate which financing approach aligns with their current operational profile.
Kickfurther Eligibility:
OnDeck Eligibility:
Resolve Pay Eligibility:
The eligibility differences reflect each platform's underlying model. Kickfurther evaluates product viability and margins because investors need confidence inventory will sell. OnDeck assesses business creditworthiness because they need assurance loans will be repaid on schedule.
Resolve Pay evaluates both seller eligibility and buyer creditworthiness. Its underwriting process helps qualifying B2B sellers extend payment terms to approved customers while managing credit exposure. Seller qualification, buyer approval, and available financing remain subject to Resolve Pay's underwriting requirements.
Each platform offers different timelines from application to receiving capital.
OnDeck Funding Process:
OnDeck offers expedited application processing and funding options for eligible borrowers. Same-day funding may be available for applications submitted before specified cutoff times. Funding availability depends on approval, application timing, and banking requirements.
Kickfurther Funding Process:
Kickfurther uses an inventory consignment funding process involving business approval and marketplace participation. Funding timelines depend on the approval process and successful funding of the inventory arrangement. The marketplace model means businesses must wait for investors to commit capital to their specific inventory deal.
Resolve Pay Funding Process:
Resolve Pay supports AI-powered buyer credit assessments, with some qualifying applications receiving real-time decisions and others requiring additional underwriting review. Its business credit check technology evaluates buyer financial and behavioral data to support credit decisions. Eligible approved invoices can receive advances within 1 to 2 business days, subject to program requirements.
Technology integration capabilities determine how smoothly financing platforms connect with existing business systems.
Resolve Pay supports integrations with QuickBooks Online, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. Integration capabilities depend on the connected system and implementation requirements.
Through its ERP and ecommerce integrations, Resolve Pay helps B2B businesses connect credit workflows, invoicing, payment processing, and reconciliation with their existing financial systems.
B2B businesses evaluating financing platforms should consider:
These integration capabilities become particularly important for growing B2B businesses managing hundreds or thousands of invoices across multiple customers.
Resolve Pay supports B2B businesses seeking to modernize credit, invoicing, payments, and receivables management. Its integrated approach helps manufacturers, distributors, and wholesalers offer flexible net terms while improving visibility into customer payments and cash flow.
The platform addresses specific B2B operational challenges:
Customer success stories demonstrate how these capabilities support business growth. Archipelago Lighting's experience illustrates how streamlined net terms approval and receivables processes can help businesses support increased sales while maintaining more predictable cash flow.
Through its net terms solution, Resolve Pay enables eligible sellers to extend flexible payment terms while accessing non-recourse advances on qualifying approved invoices, subject to program requirements.
Resolve Pay enables eligible B2B sellers to offer flexible net payment terms while receiving advances on qualifying approved invoices. By combining buyer credit assessments, invoice financing, payments, and receivables automation, the platform helps businesses reduce the time between issuing invoices and receiving funds while supporting customer purchasing flexibility.
Resolve Pay generally serves established B2B businesses, including manufacturers, distributors, wholesalers, and suppliers. Its stated eligibility begins at approximately $1 million in annual B2B revenue. Seller eligibility and buyer credit approvals remain subject to underwriting, transaction verification, and applicable program requirements.
Resolve Pay uses AI-powered underwriting to assess business buyers. Some qualifying applications can receive real-time decisions, while others require additional review. Eligible approved invoices can receive advance payments within 1 to 2 business days, depending on underwriting, verification, and program requirements.
Resolve Pay provides non-recourse advances on eligible approved invoices, helping protect sellers from covered buyer credit defaults. When the applicable protection applies, sellers generally retain the advanced funds even if an approved buyer fails to pay. Coverage remains subject to the financing agreement, including exclusions and seller obligations.
Yes. Resolve Pay supports integrations with QuickBooks Online, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. It also offers APIs for supported custom implementations. These connections help businesses coordinate buyer credit, invoice management, payments, and reconciliation within their existing financial workflows.
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.