Oct 15, 2026
Selecting the right B2B financing solution can determine whether your business thrives or struggles with cash flow constraints. While Kickfurther specializes in inventory consignment financing for CPG brands and PastPay offers European B2B BNPL for webshops, Resolve Pay delivers comprehensive net terms financing with complete AR automation, non-recourse protection, and AI-powered collections for U.S. mid-market suppliers. Understanding these fundamental differences between inventory funding, regional BNPL, and full-service AR platforms helps manufacturers, distributors, and wholesalers select the approach that matches their cash flow goals, operational capacity, and growth objectives.
Key Takeaways
- Resolve Pay provides non-recourse advances on eligible approved invoices, reducing sellers' exposure to approved buyer credit defaults, while Kickfurther uses an inventory consignment model and PastPay assumes non-payment risk within the scope of its merchant agreements
- Resolve Pay combines credit decisioning, net terms financing, AR automation, payments, reconciliation, and collections in a single integrated platform, while Kickfurther focuses on inventory funding and PastPay centers on B2B payment terms with buyer assessment and later payment administration
- Resolve Pay serves 15,000+ businesses with 5.0/5 ratings on both G2 and Capterra, while Kickfurther holds a 3.4/5 Trustpilot rating and PastPay maintains a 3.1/5 score with limited review volume
- Resolve Pay offers native integrations with Shopify, BigCommerce, Magento, WooCommerce, QuickBooks, Xero, Sage Intacct, and NetSuite, while Kickfurther has limited disclosed integration capabilities and PastPay focuses on European webshop platforms
- Resolve Pay can accelerate access to cash on eligible approved invoices with advances of up to 90-100% within 24 hours, while Kickfurther addresses pre-sale inventory needs and PastPay typically pays merchants after an approved order is fulfilled and its invoice is uploaded
- Resolve Pay maintains SOC 2 Type II certification for enterprise-grade security, a compliance standard neither competitor has publicly disclosed
Understanding B2B Financing: Invoice Financing vs Inventory Funding vs Regional BNPL
The B2B financing market encompasses three distinct categories, each serving different operational models and business objectives. Understanding these fundamental differences helps finance leaders select tools aligned with their growth stage and execution capacity.
Invoice Financing and AR Automation Platforms
Invoice financing platforms like Resolve Pay enable suppliers to receive immediate cash on outstanding invoices while their customers maintain extended payment terms. According to Federal Reserve data, B2B payment terms typically extend 30-90 days, creating working capital constraints for suppliers. The value proposition centers on accelerating cash conversion without straining customer relationships.
Resolve Pay advances eligible approved invoices while assuming the credit risk on approved transactions. This non-recourse model means if an approved customer defaults, Resolve absorbs the associated loss rather than the seller having sole liability.
Beyond financing, comprehensive platforms like Resolve Pay include:
- Automated invoicing synced from ERP and accounting systems
- Payment reminders and intelligent collections sequences
- Automated reconciliation matching payments to invoices
- Real-time AR dashboards showing DSO and aging
This integration eliminates the need for separate AR software, collections staff, and multiple vendor relationships.
Inventory Consignment Financing
Inventory financing platforms like Kickfurther address a different challenge entirely: funding the production or purchase of inventory before sales occur. Kickfurther uses a consignment model where investors fund inventory purchases, and brands repay as products sell. This approach can fund up to 100% of eligible inventory costs, with commercial terms determined by the funding arrangement.
The operational focus here centers on pre-sale capital needs rather than post-sale AR management, collections, or receivables financing.
Regional B2B BNPL Solutions
Regional BNPL providers like PastPay focus on specific geographic markets with checkout-based payment term offerings. PastPay serves European merchants in the EU, UK, and Switzerland with deferred payment terms and support for 11 currencies. The platform integrates with European webshop platforms including WooCommerce, Magento, PrestaShop, and Shoprenter.
Regional B2B BNPL platforms generally center their workflows on deferred payment terms and transaction financing. PastPay also handles buyer assessment, later payment administration, and collection responsibilities for approved transactions within its model.
Kickfurther
Inventory Consignment Financing for CPG Brands
Kickfurther positions itself as inventory financing through a unique consignment model. Rather than traditional loans, Kickfurther connects brands with investors who fund inventory purchases. Brands repay investors as products sell, aligning repayment with actual sales velocity.
Key Characteristics
- Funding Coverage: Up to 100% of inventory costs for qualified brands
- Repayment Structure: 1-10 month custom schedules tied to sales
- Target Market: CPG brands, e-commerce, and retail companies with $1M+ annual revenue
- Deal-by-Deal Approval: Each funding transaction requires separate application and approval
The consignment model offers advantages for brands with strong sell-through rates and seasonal inventory needs. Repayment flexibility allows adjustment based on actual sales performance rather than fixed schedules.
How Kickfurther Differs from Resolve Pay
Kickfurther centers on inventory consignment funding for physical-product businesses, addressing pre-sale capital needs. Its workflow focuses on funding eligible inventory purchases and aligning repayment with inventory sales.
Resolve Pay is designed around the seller's credit-to-cash process after a B2B sale. The platform combines:
- Net terms financing on eligible approved invoices
- Credit decisioning and buyer evaluation
- Automated invoicing and payment reminders
- Payment reconciliation and accounting integration
- Collections management and customer communication
Kickfurther operates with limited disclosed integrations with e-commerce platforms, ERPs, or accounting systems. Each funding deal requires separate approval rather than ongoing credit line management.
The fundamental difference lies in timing and scope: Kickfurther addresses inventory capital before products sell, while Resolve Pay manages the complete post-sale receivables cycle including financing, automation, and collections.
PastPay
European B2B BNPL for Webshops
PastPay operates as a B2B Buy Now Pay Later provider focused exclusively on European commerce. The platform enables merchants to offer deferred payment terms to business buyers across the EU, UK, and Switzerland.
Key Characteristics
- Geographic Focus: EU, UK, and Switzerland markets
- Currency Support: 11 currencies for cross-border European transactions
- Payment Terms: Deferred payment options for qualified buyers
- Platform Integrations: WooCommerce, Magento, PrestaShop, Shoprenter, and Unas
- Regulatory Status: Supervised by National Bank of Hungary
The European specialization provides value for merchants operating exclusively in those markets who need straightforward checkout BNPL functionality.
How PastPay Differs from Resolve Pay
PastPay centers on B2B payment terms for eligible European transactions. It supports webshop plugins, API connections, and a merchant portal while handling buyer assessment and later payment administration.
Resolve Pay is positioned more broadly around the U.S. B2B seller credit-to-cash workflow. The platform combines:
- Net terms financing with non-recourse protection on eligible approved invoices
- AI-powered credit decisioning with ongoing credit line management
- Complete AR automation including invoicing, reminders, and reconciliation
- Agentic Collections with multi-channel automated sequences
- Native ERP integrations with NetSuite, QuickBooks, Xero, and Sage Intacct
PastPay operates with geographic restrictions to European markets and no disclosed ERP or accounting system integrations. The platform focuses on checkout payment term transactions rather than comprehensive AR management.
PastPay evaluates buyers and manages later payment and related collection administration for approved transactions. Resolve Pay adds a broader merchant-side AR automation environment that includes invoicing workflows, reconciliation, dashboards, and multi-channel collections.
Resolve Pay
Complete Credit-to-Cash Platform for U.S. B2B Suppliers
Resolve Pay operates as a comprehensive B2B payments platform enabling manufacturers, distributors, and wholesalers to offer Net 30/60/90 terms to business buyers while receiving immediate cash and offloading credit risk. The platform combines multiple functions that competitors require separate vendors to address.
Core Platform Components
- Net Terms Financing: Sellers offer deferred payment terms while Resolve Pay can advance up to 90-100% of an eligible approved invoice within 24 hours, with non-recourse protection for the associated approved buyer credit risk
- AI Credit Engine: Proprietary AI evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals for real-time credit decisions under 24 hours
- AR Automation: Automated invoice generation synced from ERP systems, smart payment reconciliation using ML to match invoice-to-cash, and real-time AR dashboards showing DSO, aging, and portfolio health
- Agentic Collections: Multi-channel automated sequences including email, SMS, and voice AI with intelligent escalation that preserves customer relationships
- B2B Payment Portal: White-labeled buyer dashboard with payment options including ACH, wire transfer, credit card, and check
The integration depth distinguishes Resolve Pay from specialized solutions. Native connections with Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and NetSuite enable bi-directional data sync, automatic payment reconciliation, and elimination of manual data entry.
Non-Recourse Protection Advantage
The non-recourse financing model represents Resolve Pay's most significant differentiator. Unlike traditional factoring where sellers retain risk if customers default, Resolve's structure helps protect sellers from the associated approved buyer credit default risk on eligible approved financed invoices. This shifts credit risk away from the seller's balance sheet, reducing bad-debt exposure and supporting more confident credit extension to grow sales.
Customer Results and Satisfaction
Resolve Pay maintains 5.0/5 ratings on both G2 and Capterra with consistent praise for responsive support, easy implementation, and measurable cash flow improvement. Customer outcomes include:
- Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours
- Archipelago Lighting tripled revenue and reduced net terms approval from 10 days to 24 hours
- Elston Materials increased margins from 25% to 30%
- ConEquip achieved 30% year-over-year growth
When Resolve Pay Fits Best
Resolve Pay serves mid-market B2B sellers with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. The platform works best for companies that need:
- Complete AR automation to replace manual invoicing, collections, and reconciliation
- Non-recourse credit protection to reduce exposure to approved buyer credit defaults
- Faster access to cash on eligible approved invoices
- Enterprise ERP integrations for workflow automation
- U.S. market focus for domestic B2B commerce
Feature Comparison: AR Automation and Collections
The AR automation capabilities separate comprehensive platforms from transaction-focused solutions. This comparison reveals operational efficiency differences across the three platforms.
Invoice Management
Resolve Pay: Automated invoice generation synced from ERP and accounting systems with real-time status tracking and buyer portal access. The platform handles online checkout, offline orders, phone sales, and direct quotes through unified workflows.
Kickfurther: The platform focuses exclusively on inventory funding transactions rather than post-sale invoice management.
PastPay: Transaction functionality tied to approved checkout purchases. The platform manages payment terms and buyer communication for approved transactions.
Collections Capabilities
Resolve Pay: Agentic Collections provides multi-channel automated sequences including:
- Email reminders with intelligent timing
- SMS notifications for past-due accounts
- Voice AI outbound calls for escalation
- Automatic pausing when payment or dispute received
- Professional tone preserving customer relationships
Kickfurther: The inventory funding model operates separately from post-sale receivables and collections.
PastPay: PastPay evaluates buyers and manages later payment and related collection administration for approved transactions. Resolve Pay adds a broader merchant-side AR automation environment that includes invoicing workflows, reconciliation, dashboards, and multi-channel Agentic Collections.
Payment Reconciliation
Resolve Pay: ML-powered payment matching automatically reconciles invoice-to-cash with two-way sync to accounting systems including QuickBooks, Xero, Sage Intacct, and NetSuite.
Kickfurther: No disclosed payment reconciliation features for accounts receivable workflows.
PastPay: No disclosed payment reconciliation or accounting system integrations for merchant-side AR management.
Feature Comparison: Integrations and Technology
Enterprise integration capabilities determine whether platforms can scale with growing operations or create data silos requiring manual intervention.
E-commerce Platform Support
Resolve Pay: Native integrations with Shopify, BigCommerce, Magento 2, and WooCommerce enable embedded checkout for B2B transactions. The 2025 BigCommerce Innovative Integration Award recognizes the platform's e-commerce capabilities.
Kickfurther: Limited disclosed e-commerce integrations. The inventory funding model operates separately from online sales channels.
PastPay: European platform integrations including WooCommerce, Magento, PrestaShop, Shoprenter, and Unas. Ready-made plugins for regional webshops.
ERP and Accounting Connections
Resolve Pay: Bi-directional sync with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite enables:
- Automated data flow eliminating manual entry
- Real-time financial visibility across systems
- Automatic payment posting to accounting records
- Invoice data sync from ERP to Resolve platform
Kickfurther: No disclosed ERP or accounting integrations. Manual coordination required for financial reporting.
PastPay: No disclosed ERP or accounting connections for merchant-side integration.
API Access
Resolve Pay: REST API with webhooks and sandbox for custom integrations enables flexible deployment across diverse tech stacks.
Kickfurther: Limited API capabilities disclosed publicly.
PastPay: API available for merchant integrations focused on checkout functionality.
Feature Comparison: Credit and Risk Management
Credit underwriting and risk management approaches determine how effectively platforms can extend terms while protecting sellers from default losses.
Credit Decisioning
Resolve Pay: AI-powered credit engine evaluates thousands of buyer data points for real-time decisions under 24 hours. Dynamic credit lines adjust based on payment history. Quiet credit checks avoid notifying buyers or impacting credit scores.
Kickfurther: Basic marketplace approval for funding transactions. Deal-by-deal evaluation rather than ongoing credit management.
PastPay: Automated digital assessment for buyer approval. Real-time decisions for qualified transactions.
Default Protection
Resolve Pay: Non-recourse advances on eligible approved invoices help protect sellers from the associated approved buyer credit default risk. Sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms.
Kickfurther: Consignment model with different risk structure. Repayment tied to inventory sales rather than invoice collection.
PastPay: For approved purchases, PastPay states that it assumes non-payment risk within the scope defined in the applicable merchant agreement.
Security and Compliance
Resolve Pay: SOC 2 Type II certified with independently audited security and compliance controls suitable for enterprise deployments.
Kickfurther: Compliance certifications not disclosed in public documentation.
PastPay: Regulated by National Bank of Hungary for European operations.
Why Resolve Pay Fits B2B Suppliers
The comparison highlights how Resolve Pay brings financing, credit decisioning, AR automation, payments, reconciliation, and collections into one connected platform for B2B suppliers.
Platform Consolidation Benefits
Operating with separate tools for inventory funding, AR software, collections services, and payment processing creates operational friction. Each integration point introduces potential failure modes, data synchronization issues, and vendor management overhead.
Resolve Pay consolidates these functions into a single platform with:
- Unified data across credit, financing, invoicing, and collections
- Consistent workflows eliminating vendor coordination
- Single-vendor accountability for the credit-to-cash cycle
- Bi-directional sync with existing ERP and accounting systems
Risk Reduction Through Non-Recourse Structure
The non-recourse protection fundamentally changes the economics of offering credit terms. Rather than carrying the same level of exposure to approved buyer credit defaults, sellers can use Resolve Pay's non-recourse structure on eligible approved invoices while extending payment terms to qualified customers. This can reduce bad-debt exposure while allowing sellers to extend terms more confidently.
Automation at Scale
Manual AR processes create linear scaling constraints. As invoice volume grows, collections calls increase, reconciliation complexity multiplies, and operational costs rise proportionally.
Resolve Pay's automated workflows break this linear relationship:
- Handling increased volume without proportional headcount growth
- Automated collections sequences replacing manual calling
- ML-powered reconciliation eliminating manual matching
- Customers reporting 90% reduction in manual AR work
Customer Relationship Preservation
Traditional collections approaches often damage customer relationships through aggressive tactics or impersonal processes. Resolve Pay's Agentic Collections maintains professional, relationship-preserving communication while still achieving payment outcomes. The intelligent escalation adjusts tone and timing based on customer history and response patterns.
Frequently Asked Questions
What Does Resolve Pay Help B2B Sellers Manage?
Resolve Pay supports the credit-to-cash workflow for B2B sellers by combining customer credit decisioning, net terms financing, invoicing, payments, reconciliation, and collections. This integrated approach is designed to help manufacturers, distributors, wholesalers, and other B2B suppliers extend payment terms while improving cash flow and reducing manual accounts receivable work.
How does Resolve Pay's non-recourse financing benefit my business compared to traditional factoring?
Traditional factoring typically involves recourse provisions where sellers retain risk if customers default. Resolve Pay's non-recourse structure helps protect sellers from the associated approved buyer credit default risk on eligible approved financed invoices. When Resolve Pay approves an eligible buyer and advances funds against an approved invoice, its non-recourse structure helps protect the seller from the associated approved buyer credit default risk.
Can new businesses or startups use Resolve Pay to offer net terms to their buyers?
Resolve Pay targets mid-market B2B sellers with typically $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. The platform evaluates both seller qualifications and buyer creditworthiness through its AI credit engine. New businesses should contact Resolve directly to discuss their specific situation, as qualification depends on multiple factors beyond company age.
What kind of industries does Resolve Pay primarily serve?
Resolve Pay focuses on B2B product distribution and manufacturing across industries including HVAC parts distribution, electrical supplies, plumbing supplies, industrial hardware, building materials, medical devices, pharmaceutical distribution, and commercial equipment. The platform serves companies selling physical goods to business buyers who need net payment terms.
How quickly can I get funding or credit decisions with Resolve Pay's platform?
Resolve Pay's AI credit engine delivers real-time credit decisions within 24 hours, with instant approvals available for some purchases. Once invoices are approved, advances can be received within 1-2 business days. Customer testimonials indicate credit approvals moving from 10 days to 24 hours after implementation. The implementation timeline for new customers typically takes under one week to launch.
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.
