Kickfurther vs SBG Funding

Selecting the right financing solution can determine whether your B2B business thrives or struggles with cash flow constraints. While Kickfurther specializes in inventory consignment financing, SBG Funding offers business financing products, including invoice financing. Resolve Pay provides a different approach by combining non-recourse financing on eligible approved invoices with buyer credit assessment, net terms management, and complete accounts receivable automation.

Understanding where each solution fits in the cash conversion cycle helps manufacturers, distributors, and wholesalers select the approach that matches their operational needs. For B2B sellers offering net terms to customers, Resolve Pay delivers invoice financing combined with credit-to-cash workflow automation.

Key Takeaways

• Kickfurther funds inventory before products sell through a consignment model, SBG Funding provides business financing including invoice-based products, and Resolve Pay combines invoice advances with non-recourse protection and AR automation
• Kickfurther generally requires an established physical-product business with qualifying revenue history, while SBG Funding's requirements vary by financing product
• Resolve Pay evaluates business buyers while also reviewing merchant eligibility, supporting financing decisions based on multiple underwriting factors
• Resolve Pay's non-recourse financing protects sellers against covered buyer credit defaults on eligible approved invoices, subject to program terms
• Over 15,000 businesses use Resolve Pay's platform for net terms financing, AR automation, and collections management
• Resolve Pay advances funds on approved invoices within 1-2 business days, converting 30-90 day payment cycles into immediate working capital

Understanding Small Business Financing Options

The small business financing landscape encompasses multiple distinct approaches, each designed for specific operational needs and cash flow challenges. Kickfurther, SBG Funding, and Resolve Pay represent three different models within this ecosystem, addressing various stages of the B2B cash flow cycle.

Pre-Sale vs Post-Sale Financing

Inventory financing addresses the pre-sale stage, funding product procurement before revenue generation. Invoice financing addresses the post-sale stage, accelerating cash from completed sales. General business financing provides flexible capital for various operational needs. According to the U.S. Small Business Administration, understanding these distinctions helps businesses match financing solutions to their specific cash flow challenges.

How Kickfurther Structures Inventory Financing

Kickfurther operates as an inventory consignment financing platform, connecting consumer product brands with individual investors who fund inventory purchases. The model allows qualifying brands to finance inventory procurement through a consignment structure, with repayment arrangements linked to inventory sales and the applicable funding agreement.

Key characteristics include:

• Inventory-specific focus: Funds physical product procurement
• Consignment model: Inventory funding is structured differently from traditional debt, although accounting treatment depends on the agreement and applicable accounting standards
• Sales-aligned repayment: Repayment arrangements are generally tied to inventory sales, subject to agreed schedules and contractual obligations
• Revenue requirements: Kickfurther evaluates trailing revenue, purchase orders, and sales performance

How SBG Funding Structures Business Financing

SBG Funding operates as a business lending platform offering multiple financing products including term loans, business lines of credit, SBA loans, invoice financing, and merchant cash advances. The company provides capital that businesses can deploy across various operational needs.

SBG Funding's model includes:

• Multiple product types: Term loans, lines of credit, SBA loans, invoice financing, and equipment financing available
• Credit evaluation: SBG Funding considers business financial performance and other eligibility factors, while its invoice financing product places particular emphasis on qualifying receivables and customer creditworthiness
• Fast funding: Decisions typically within 24 hours with expedited funding possible
• Flexible applications: Single application can access multiple product types

Addressing Post-Sale Receivables

SBG Funding offers invoice financing that helps businesses access funds against qualifying outstanding invoices. Resolve Pay combines invoice advances with non-recourse protection against covered buyer credit defaults and integrated credit-to-cash automation.

Resolve Pay addresses the post-sale gap through accounts receivable financing that advances cash against issued invoices while automating the entire credit-to-cash workflow, including buyer credit decisions, invoicing, payment tracking, and collections.

Kickfurther

Kickfurther's Approach to Consignment Financing

Kickfurther carved a niche in inventory consignment financing, offering an alternative to traditional inventory loans for consumer product brands. The consignment structure distinguishes Kickfurther from traditional lenders.

Key Features

Funding Process:

• Brands create funding campaigns specifying inventory needs and projected returns
• Individual investors fund campaigns through the Kickfurther marketplace
• Brands use funds to manufacture or purchase inventory
• Products remain technically on consignment while being sold
• Brands make payments to investors as inventory sells

Business Model Focus:

• Physical product brands, particularly consumer goods
• Established revenue history and inventory turnover information
• Product brands with retail or direct-to-consumer sales channels
• Businesses seeking alternatives to traditional inventory loans

How Inventory Financing Differs From B2B Receivables Financing

Kickfurther exclusively funds inventory procurement. For B2B sellers, this addresses the pre-sale stage:

• Funds inventory before sales occur
• Does not accelerate cash from outstanding invoices
• Does not provide buyer credit assessment or AR automation
• Designed for physical product businesses

B2B distributors and wholesalers who sell on terms need solutions addressing the receivables stage after sales are completed.

SBG Funding

SBG Funding's Financing Structure

SBG Funding positions itself as a comprehensive financing platform with multiple product types accessible through a single application process. The platform serves businesses across various industries and credit profiles.

Key Features

Product Suite:

• Term loans: Fixed amounts with scheduled repayments over defined periods
• Business lines of credit: Revolving credit facilities for ongoing working capital needs
• SBA loans: Government-backed financing with favorable terms for qualifying businesses
• Invoice financing: Advances against qualifying outstanding receivables
• Equipment financing: Asset-backed loans for machinery and equipment purchases

Qualification Approach:

• Established operating history and business revenue
• Credit evaluation appropriate to the financing product
• Supporting business financial documentation
• Additional review of qualifying invoices and customer creditworthiness for invoice financing

SBG Funding's Financing Structure for B2B Sellers

SBG Funding provides several financing products, including invoice financing, that can support businesses extending payment terms to customers. The invoice financing product evaluates qualifying receivables and customer payment histories.

SBG Funding addresses receivables financing through invoice-based advances. Resolve Pay additionally integrates buyer credit decisions, non-recourse protection on eligible approved invoices, invoicing, and collections automation into its B2B payments platform.

Traditional Financing Characteristics:

• Creates financing obligation that appears on business records
• Borrower generally retains responsibility for repayment
• Fixed credit limits or advance rates established during underwriting
• AR operations: Resolve Pay combines credit assessment, invoicing, payment tracking, and collections workflows within its integrated platform

Resolve Pay

Resolve Pay's Approach to B2B Net Terms Financing

Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms to business buyers while receiving immediate cash and reducing credit risk through non-recourse protection on eligible approved financed invoices.

The platform addresses the specific post-sale cash flow challenge: converting 30-90 day payment terms into 1-2 day cash access while automating credit decisions, invoicing, payment processing, and collections management.

Core Platform Capabilities

Net Terms Financing:

• Sellers offer Net 30/60/90 terms to approved buyers
• Resolve advances funds on approved invoices within 1-2 business days
• Remaining balance released when buyer pays
• Non-recourse protection on eligible approved invoices

AI Credit Engine:

• Proprietary AI evaluates thousands of buyer data points
• Real-time credit decisions with response times under 24 hours
• Dynamic credit lines adjusting based on payment history
• Quiet credit checks without buyer notification

AR Automation Platform:

• Automated invoice generation synced from ERP systems
• Smart payment reconciliation using machine learning
• Real-time AR dashboard showing DSO, aging, and portfolio health
• Automated bookkeeping sync to major accounting platforms

Agentic Collections:

• Multi-channel automated sequences: email, SMS, voice AI
• Intelligent escalation based on buyer response patterns
• Configurable day thresholds for escalation
• Automatic pause when payment or dispute received

B2B Payment Portal:

• Branded buyer dashboard showing invoices, credit lines, payment history
• Payment options: ACH, wire, credit card, check
• Self-serve payment plans and dispute flagging
• Mobile-responsive experience maintaining seller brand

Resolve Pay Customer Results

Resolve Pay has published customer stories illustrating how its platform supports B2B sales growth, payment terms, and receivables management:

• SS&SI Dealer Network: Reported 5x revenue growth in its customer success story
• ConEquip: Used Resolve Pay to expand net terms for its B2B customers
• Archipelago Lighting: Described how Resolve Pay supported its revenue growth
• Elston Materials: Used Resolve Pay to support sales growth and receivables operations

These examples illustrate how Resolve Pay can support different B2B business models, although individual customer results vary.

When Resolve Pay Fits

Resolve Pay serves B2B sellers who:

• Offer Net 30/60/90 payment terms to business customers
• Want immediate cash rather than waiting for invoice payment
• Need protection against customer payment defaults on eligible approved invoices
• Spend significant time on credit evaluation and collections
• Want to extend competitive terms without cash flow strain

Financing for Newer Businesses

Early-stage businesses face unique financing challenges. Without established revenue histories or extensive credit records, qualifying for traditional financing becomes difficult.

Kickfurther's Business Requirements

Kickfurther focuses on established brands with proven sales histories. The platform requires:

• Established revenue history, with potential exceptions for qualifying major retailer purchase orders
• Demonstrated inventory turnover and sales velocity data
• Physical product business model

This positions Kickfurther as a growth-stage solution rather than an early startup option.

SBG Funding's Business Requirements

SBG Funding's qualification requirements depend on the financing product and applicant profile:

• Established operating history
• Sufficient business revenue or qualifying receivables
• Applicable creditworthiness requirements
• Supporting business documentation

While more accessible than many traditional lenders, SBG Funding still requires operational history.

Resolve Pay's Evaluation Approach

Resolve Pay evaluates the creditworthiness of business buyers while also reviewing merchant eligibility and financing requirements. This approach helps qualifying B2B sellers offer net terms to approved customers without relying solely on traditional business lending arrangements.

For eligible B2B sellers, Resolve Pay's business credit check supports buyer credit evaluation and financing decisions. Approval remains subject to Resolve Pay's underwriting criteria and program requirements.

Understanding Non-Recourse Financing

The distinction between recourse and non-recourse financing fundamentally changes who bears the risk of customer non-payment, a critical consideration for B2B sellers extending payment terms.

Recourse Financing Structure

Most traditional business loans operate on a recourse basis:

• Borrower liability: The business generally remains responsible for repayment
• Personal guarantees: Owners may need to personally guarantee loan repayment
• Collection responsibility: Business retains collection obligations
• Balance sheet impact: Creates liability that must be repaid

Non-Recourse Financing Structure

Resolve Pay's non-recourse model operates differently:

• Defined risk protection: Non-recourse financing protects sellers against covered buyer credit defaults on eligible approved invoices, subject to the financing agreement
• Protection scope: Sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms
• Reduced bad debt exposure: Protection against covered buyer credit defaults on eligible approved invoices

Kickfurther's Risk Structure

Kickfurther's consignment model creates shared arrangements:

• Individual investors bear certain risks if brands cannot fulfill repayment obligations
• Brands have payment responsibilities as inventory sells
• Does not address risk of B2B customer non-payment since Kickfurther funds inventory, not receivables

Why Risk Protection Matters for B2B Sellers

For distributors and wholesalers extending terms to business customers, non-payment risk represents significant exposure. A single large customer default can eliminate months of profit margin. Resolve Pay's non-recourse structure addresses this directly through reduced bad debt exposure on eligible approved financed invoices.

B2B Payments and Platform Integration

Beyond financing, operational efficiency in credit management, invoicing, and collections significantly impacts B2B seller profitability. Resolve Pay differentiates through its integrated platform approach.

Connecting Financing With AR Automation

Kickfurther focuses on inventory funding and campaign management. SBG Funding provides financing products without native AR workflow automation. Neither addresses the complete credit-to-cash operational workflow.

Resolve Pay combines financing with complete AR automation:

Credit Management:

• AI-powered buyer creditworthiness evaluation
• Real-time credit decisions under 24 hours
• Dynamic credit lines adjusting with payment history
• Quiet credit checks without buyer notification

Invoice Management:

• Automated invoice generation synced from ERP/accounting systems
• Smart payment reconciliation using ML to match invoices to payments
• Real-time AR dashboard showing DSO, aging, and portfolio health

Collections Automation:

• Multi-channel automated sequences via email, SMS, and voice AI
• Intelligent escalation based on buyer response and payment history
• Automatic pause when payment or dispute received
• All interactions logged to invoice records

Payment Infrastructure:

• White-labeled buyer payment portal
• Multiple payment rails: ACH, wire, credit card, check
• Self-serve payment plans and dispute flagging
• Mobile-responsive checkout experience

Integration Ecosystem

Resolve Pay integrations include:

• Accounting systems: QuickBooks Online, Xero, NetSuite, Sage Intacct, and other supported systems
• Ecommerce platforms: BigCommerce, WooCommerce, and Magento 2, with Shopify supported through custom flows
• API availability: REST API and developer integration tools for custom implementations
• Data synchronization: Invoice and payment synchronization capabilities depend on the specific integration and configuration

Kickfurter has limited integrations focused on campaign and inventory management. SBG Funding operates as standalone financing without native accounting or ecommerce integrations.

Why Resolve Pay Is Built for B2B Sellers

Manufacturers, wholesalers, and distributors frequently face cash flow challenges when extending payment terms to business customers. Resolve Pay addresses these challenges through integrated net terms financing, buyer credit assessment, payment processing, and accounts receivable automation.

Supporting the B2B Credit-to-Cash Cycle

Resolve Pay is designed for B2B sellers that:

• Offer Net 30, 60, or 90 payment terms to eligible business customers
• Want faster access to working capital from approved invoices
• Need protection against covered buyer credit defaults
• Want to automate credit evaluation, invoicing, reconciliation, and collections
• Prefer an integrated B2B payments platform rather than managing separate financing and AR workflows

Connecting Financing With Receivables Management

Resolve Pay supports the post-sale portion of the B2B cash conversion cycle by combining financing and receivables management. Its platform helps eligible sellers:

• Receive invoice advances within 1-2 business days
• Extend payment terms to approved business buyers
• Reduce credit risk through non-recourse protection on eligible approved financed invoices
• Automate payment reminders, collections, and reconciliation
• Connect payment workflows with supported accounting, ERP, and ecommerce systems

This integrated approach helps B2B sellers improve cash flow visibility, reduce manual administrative work, and support growth while maintaining established buyer relationships. For businesses seeking comprehensive credit-to-cash solutions beyond standalone financing, Resolve Pay's platform combines the funding, risk protection, and operational automation that B2B sellers need.

Frequently Asked Questions

How Does Resolve Pay Help B2B Sellers Improve Cash Flow?

Resolve Pay allows eligible B2B sellers to offer flexible payment terms while receiving advances on approved invoices within 1-2 business days. This helps reduce the waiting period between invoicing and cash receipt. The platform also integrates buyer credit assessment, payment tracking, reconciliation, and collections automation to support the complete receivables process.

What Businesses Are Eligible for Resolve Pay Financing?

Resolve Pay primarily serves established B2B merchants, manufacturers, wholesalers, and distributors. Eligibility depends on merchant requirements, buyer creditworthiness, and underwriting decisions. The platform evaluates business buyers while also reviewing the seller's eligibility for financing. Approval and financing terms depend on the specific business and its qualifying transactions.

How Does Resolve Pay's Non-Recourse Financing Work?

Resolve Pay offers non-recourse financing on eligible approved invoices. This means sellers are generally protected against losses arising from covered buyer credit defaults, subject to program terms. Disputes involving merchandise quality, delivery, invoice accuracy, or merchant errors follow separate procedures and are not automatically covered by non-recourse credit protection.

What Accounts Receivable Automation Features Does Resolve Pay Provide?

Resolve Pay integrates buyer credit assessment, invoicing, payment reconciliation, and automated collections into its B2B payments platform. Its agentic collections capabilities support email, SMS, and voice-based follow-ups, configurable escalation, and payment tracking. These tools help sellers reduce repetitive administrative work and improve visibility into outstanding receivables.

Which Accounting and Ecommerce Systems Integrate With Resolve Pay?

Resolve Pay supports integrations with accounting, ERP, and ecommerce platforms, including QuickBooks Online, Xero, NetSuite, Sage Intacct, BigCommerce, WooCommerce, and Magento 2. Shopify is supported through custom integration flows. Available synchronization capabilities and implementation requirements depend on the connected platform and the merchant's configuration.

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.