Kickfurther vs PEAC Solutions

Choosing between financing solutions for your B2B business requires understanding that not all funding platforms solve the same problem. Kickfurther specializes in pre-sale inventory consignment funding for eligible physical-product businesses, while PEAC Solutions focuses on equipment leasing and loans. Neither addresses the post-sale cash flow challenge that manufacturers, distributors, and wholesalers face when offering net payment terms to business customers.

For B2B sellers who need to extend Net 30/60/90 terms while maintaining healthy cash flow and managing credit risk, Resolve Pay delivers an integrated platform combining financing, credit decisioning, and accounts receivable automation in a single solution.

Key Takeaways

• Kickfurther, PEAC Solutions, and Resolve Pay serve fundamentally different financing needs at different stages of the cash flow cycle, making this comparison about selecting the right tool for your specific business challenge
• Kickfurther provides inventory consignment funding for eligible physical-product businesses with repayment tied to sell-through, requiring minimum $400K trailing 12-month revenue or $200K-$400K with major retailer purchase orders
• PEAC Solutions operates a multi-national equipment finance platform with a $6+ billion portfolio across 13 countries, offering lease and loan structures for machinery, vehicles, and technology assets
• Resolve Pay combines credit decisioning, net terms financing, AR automation, and collections in a single solution for B2B sellers managing customer payment terms
• Resolve Pay provides protection against covered buyer defaults on eligible approved financed invoices, meaning sellers are generally protected from repayment obligations arising solely from covered buyer defaults, subject to program terms
• More than 15,000 businesses actively use Resolve Pay, with customers reporting outcomes like 90% reduction in AR workload and 3x revenue growth after implementing the platform

Understanding Kickfurther vs PEAC Solutions

Kickfurther and PEAC Solutions serve different financing needs within the business cash flow cycle. Understanding their respective models helps manufacturers, distributors, and wholesalers distinguish between funding inventory, acquiring equipment, and managing payments from commercial customers.

How Their Financing Models Differ

Kickfurther focuses on inventory consignment funding for eligible physical-product businesses. Its model helps companies finance inventory production or purchases before products are sold, with repayment generally tied to inventory sell-through. This approach addresses the capital requirements associated with stocking products and fulfilling customer demand.

PEAC Solutions primarily provides equipment leasing and asset financing. Its solutions support businesses acquiring machinery, vehicles, technology, and other productive assets through structured financing arrangements.

Both models address specific business funding requirements, but they operate differently from financing built around outstanding customer invoices.

Where Resolve Pay Fits Into B2B Financing

Resolve Pay focuses on the credit-to-cash process for B2B sellers offering Net 30, 60, or 90 payment terms. Rather than financing inventory production or equipment acquisition, Resolve Pay helps eligible sellers receive advance payments on approved invoices while customers retain their agreed payment terms.

The platform also combines AI-powered buyer credit assessment, non-recourse protection on eligible approved financed invoices, automated collections, and accounts receivable management. This integrated approach helps B2B businesses improve cash flow predictability while reducing administrative work.

Kickfurther

Kickfurther operates as an inventory consignment funding marketplace serving eligible physical-product businesses, including consumer brands and distributors. The platform connects companies with a community of funders who provide capital for inventory production or purchases before products are sold.

How the Consignment Model Works

The consignment model allows brands to receive funding for their inventory costs through the marketplace. Funders purchase inventory on consignment, and brands repay as products sell rather than on a fixed payment schedule. This structure means payments align with actual sales velocity rather than predetermined due dates.

Since founding in 2014, Kickfurther has facilitated over $300 million in funding for eligible businesses. The platform generally works with U.S.-based physical-product businesses meeting its revenue and eligibility requirements. Eligibility may also extend to emerging brands with qualifying purchase orders from major retailers.

Eligibility and Application Process

Kickfurther focuses on inventory funding for eligible physical-product businesses. The platform serves companies with various revenue profiles and retail relationships, including:

• Brands with established purchase orders from major retailers
• Seasonal product manufacturers managing inventory buildup
• Companies seeking funding that does not appear as traditional debt on balance sheets
• Physical product businesses with retail distribution channels

Repayment Structure

Payments are due as inventory is received and begins selling, aligning cash outflows with revenue generation. This consignment approach differs from traditional loans with fixed payment schedules, making it relevant for businesses with variable sales cycles.

PEAC Solutions

PEAC Solutions operates as a multi-national asset finance platform specializing in equipment leasing and loans. The company maintains a portfolio exceeding $6 billion USD, with operations across 13 countries and more than 800 employees.

Equipment Categories

PEAC Solutions provides financing for various business assets across multiple industries:

• Office technology including copiers, computers, and software systems
• Healthcare and medical equipment for clinics and hospitals
• Construction vehicles, heavy machinery, and tools
• Manufacturing production equipment
• E-mobility and renewable energy systems
• Commercial vehicles and fleet equipment

Financing Structures Available

PEAC offers multiple financing structures to match different business needs:

• Fair Market Value Leases: Lower monthly payments with the option to purchase, return, or upgrade equipment at term end
• $1 Buyout Leases: Higher monthly payments that build toward ownership with a nominal purchase price at conclusion
• 10% Purchase Option: Balanced structure with moderate payments and a defined buyout amount
• Equipment Loans: Traditional financing for outright equipment purchase

For office equipment, PEAC offers application-only approval for amounts up to $250,000, streamlining the process for smaller acquisitions.

Service Coverage

PEAC Solutions primarily focuses on asset and equipment financing, with additional business financing solutions. The platform serves businesses acquiring productive assets that generate revenue over time, with financing that spreads capital expenditures across the equipment's useful life.

Resolve Pay: Integrated B2B Payment Platform

Resolve Pay addresses the post-sale cash flow challenge specific to B2B sellers extending payment terms to commercial customers. The platform combines multiple capabilities that inventory and equipment financing platforms do not provide.

Net Terms Financing

Resolve Pay can advance up to 90% of eligible invoice value, typically within 1-2 business days for approved transactions, subject to processing requirements. This converts 30-90 day receivables into immediate cash while buyers pay according to agreed terms.

The platform's financing includes protection against covered buyer defaults on eligible approved financed invoices. This structure means sellers are generally protected from repayment obligations arising solely from covered buyer defaults, subject to program terms.

AI-Powered Credit Decisioning

Resolve Pay's AI-powered credit engine evaluates thousands of buyer data points including:

• Cash flow trends and payment history
• Behavioral signals and transaction patterns
• Business credit profiles
• Industry-specific risk factors

Credit decisions typically occur within 1-2 business days, with instant approvals available for some purchases. This automated evaluation reduces manual underwriting time while maintaining risk assessment accuracy.

Accounts Receivable Automation

Beyond financing, Resolve Pay provides comprehensive AR automation that handles:

• Automated invoice generation synced from ERP and accounting systems
• Smart payment reconciliation using machine learning to match payments to invoices
• Real-time AR dashboards showing DSO, aging, and portfolio health
• Integrations with QuickBooks Online, Xero, Sage Intacct, and NetSuite, with available synchronization capabilities depending on the connected system

Agentic Collections

Resolve Pay's agentic collections system uses multi-channel automated sequences including email, SMS, and voice AI outbound calls. The system features:

• Intelligent escalation based on buyer response and payment history
• Configurable thresholds for communication sequences
• Automatic pausing when payment or dispute is received
• Complete interaction logging to invoice records
• Professional tone that preserves customer relationships

Customers report significant efficiency gains from this automation. Trenchless Supply reduced manual accounts receivable work and streamlined credit checks, invoicing, and collections with Resolve Pay.

Platform Integrations

Resolve Pay connects with existing business systems through native integrations:

Accounting and ERP:

• QuickBooks Online
• Xero
• Sage Intacct
• Oracle NetSuite

Ecommerce Platforms:

• Shopify
• BigCommerce (recognized with the 2025 Innovative Integration Award, announced in 2026)
• Magento 2
• WooCommerce

Technical Capabilities:

• REST API with webhooks for custom integrations
• Invoice and payment synchronization through supported integrations, with functionality varying by system
• Sandbox environment for development
• SOC 2 Type II attested security, independently audited

Understanding Business Financing Types

B2B businesses encounter different capital needs depending on their operational stage and industry. Traditional and alternative financing options address specific gaps, though each serves distinct purposes.

Small Business Administration Loans

Small Business Administration loan programs provide government-backed financing through participating lenders. SBA 7(a) loans offer up to $5 million for working capital, equipment, and real estate, while microloans provide up to $50,000 for smaller needs. New businesses face documentation requirements and often need strong personal credit profiles and collateral to qualify.

Working Capital Considerations

Working capital represents the lifeblood of B2B operations, enabling businesses to fund day-to-day operations, manage inventory, and maintain healthy cash flow.

For B2B manufacturers, distributors, and wholesalers, working capital challenges intensify when offering payment terms to customers. Extending Net 30/60/90 terms can unlock larger orders from commercial buyers, but creates a timing gap between fulfillment and payment.

Alternative Working Capital Approaches

The market offers several approaches to working capital optimization:

• Invoice Factoring: Selling receivables to a third party under recourse or non-recourse arrangements, with responsibility for customer non-payment depending on the agreement
• Merchant Cash Advances: Quick funding tied to future sales
• Asset-Based Lending: Borrowing against inventory or receivables with ongoing monitoring requirements
• Net Terms Financing: Advancing invoice value while buyers pay on terms, with the financing provider handling collections

Business Lines of Credit

Business lines of credit provide flexible access to funds that can be drawn and repaid repeatedly. A revolving line of credit establishes a maximum borrowing limit that businesses can access as needed. Interest accrues only on drawn amounts, and as balances are repaid, available credit replenishes.

Secured lines require collateral, typically receivables, inventory, or business assets. Unsecured lines do not require pledged collateral but may involve stricter qualification requirements. Both arrangements are subject to lender underwriting and repayment obligations.

Lines of credit provide general working capital flexibility but do not address the specific operational challenges of offering customer payment terms, such as buyer creditworthiness evaluation, invoicing automation, or protection against customer non-payment.

Comparing Credit Risk and Collections Capabilities

For B2B sellers extending payment terms, managing credit risk and collections represents an ongoing operational challenge that inventory and equipment financing platforms do not address.

Kickfurther's Approach

Kickfurther focuses on inventory funding workflows for eligible physical-product businesses. The platform's consignment model ties repayment to inventory sell-through rather than buyer creditworthiness or accounts receivable management.

PEAC Solutions' Approach

PEAC Solutions provides technology-supported financing workflows centered on equipment and asset finance. The platform evaluates business credit for equipment acquisition but does not provide buyer credit evaluation or accounts receivable tools for customer payment terms.

Resolve Pay's Credit and Collections Solution

Resolve Pay addresses credit risk and collections through integrated capabilities:

Credit Risk Management:

• AI-powered evaluation of business buyers before extending terms
• Real-time credit decisions typically within 1-2 business days
• Protection against covered buyer defaults on eligible approved financed invoices
• Continuous monitoring of buyer payment behavior and financial health

Collections Automation:

• Multi-channel automated sequences including email, SMS, and voice AI
• Intelligent escalation based on buyer response patterns
• Professional communication that maintains customer relationships
• Complete tracking and logging of all collection interactions

Measurable Outcomes:

• Archipelago Lighting tripled revenue while reducing credit approval time from up to 10 business days to 24 hours.
• ConEquip reported 30% year-over-year growth, with Resolve Pay's net terms capabilities supporting larger customer orders.
• SS&SI Dealer Network achieved 5x revenue growth by improving cash flow and onboarding larger customer accounts through Resolve Pay.
• Elston Materials improved margins from 25% to 30% through better cash flow management and improved supplier purchasing terms.

Platform Integration Comparison

Integration capabilities determine how financing solutions connect with existing business systems and workflows.

Kickfurther Integration Focus

Kickfurther focuses on inventory funding workflows for eligible physical-product businesses. Integration capabilities support inventory and order management processes aligned with the consignment funding model.

PEAC Solutions Integration Focus

PEAC Solutions provides technology-supported financing workflows centered on equipment and asset finance. Integration capabilities support equipment tracking and payment processing for lease and loan structures.

Resolve Pay Integration Focus

Resolve Pay provides integrations designed specifically for B2B payment terms, invoicing, and receivables management across supported accounting, ERP, and ecommerce systems. The platform's native integrations enable:

• Automated invoice generation from existing order and fulfillment systems
• Payment reconciliation with machine learning-powered matching
• Real-time synchronization of customer data and transaction history
• Unified visibility across credit-to-cash operations
• White-labeled buyer portal integrated with seller workflows

This integration approach eliminates data silos between credit decisions, financing, invoicing, and collections, allowing AR teams to manage the complete payment lifecycle within a single platform.

Resolve Pay for Integrated B2B Payments

Inventory funding and equipment financing address different business capital requirements at specific operational stages. For manufacturers, distributors, and wholesalers managing customer payment terms, Resolve Pay provides an integrated approach to B2B financing and accounts receivable management.

The platform's key differentiators for B2B sellers include:

• Combined functionality: Credit decisioning, advance payments, AR automation, and collections in one platform rather than multiple point solutions
• Reduced credit exposure: Protection against covered buyer defaults on eligible approved financed invoices, subject to program terms
• Operational efficiency: Automated workflows that reduce manual AR administration by up to 90% based on customer results
• Cash flow predictability: Access to working capital typically within 1-2 business days for approved invoices, converting extended payment terms into immediate liquidity
• System integration: Native connections to major accounting, ERP, and ecommerce platforms that eliminate data silos

By combining advance payments on eligible approved invoices, buyer credit evaluation, automated collections, and accounting integrations, Resolve Pay helps sellers reduce receivables administration while improving cash flow predictability.

Businesses looking to simplify Net 30, 60, or 90 payment terms can explore Resolve Pay's B2B payments platform to support their credit-to-cash operations.

Frequently Asked Questions

How Does Net Terms Financing Help B2B Businesses Manage Cash Flow?

Net terms financing allows eligible B2B sellers to receive advance payments on approved invoices while customers pay according to agreed terms. Resolve Pay combines this financing with buyer credit evaluation, protection against covered buyer defaults on eligible transactions, and accounts receivable automation to support more predictable cash flow and reduced manual administration.

What Are the Eligibility Requirements for Resolve Pay?

Resolve Pay generally focuses on established B2B sellers with at least $1 million in annual B2B revenue. Eligibility and financing availability depend on business qualifications, buyer credit assessment, and transaction approval. Businesses can contact Resolve Pay to review their specific financing and payment management requirements.

How Does Resolve Pay Support B2B Sellers Offering Net Payment Terms?

Resolve Pay can advance up to 90% of eligible approved invoice value, typically within 1-2 business days, while buyers pay on agreed terms. The platform includes AI-powered business credit assessment, protection against covered buyer defaults, automated invoicing and collections, AR reconciliation and reporting, and integrations with supported ERP, accounting, and ecommerce platforms.

What Types of Businesses Benefit From Resolve Pay?

Resolve Pay serves manufacturers, wholesalers, distributors, and other B2B merchants offering payment terms to commercial buyers. Businesses managing extended payment cycles, manual collections, buyer credit assessments, and outstanding receivables can use Resolve Pay to streamline invoicing, financing, payments, and accounts receivable operations while improving cash flow predictability.

What is the Difference Between Inventory Financing and Receivables Financing?

Inventory financing provides capital before products are sold, funding production or purchase of inventory that will generate future revenue. Receivables financing provides capital after B2B sales are completed, advancing invoice value while waiting for customer payment. Kickfurther addresses pre-sale inventory needs, while Resolve Pay addresses post-sale receivables management for B2B sellers extending payment terms to commercial customers.

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.