When B2B sellers evaluate financing options to improve cash flow and extend payment terms to buyers, two platforms often enter the conversation: Kickfurther and Two. These solutions represent fundamentally different approaches to helping businesses manage working capital. Kickfurther operates as a community-funded inventory financing platform, while Two provides B2B buy now, pay later infrastructure. For mid-market manufacturers, wholesalers, and distributors seeking a comprehensive credit-to-cash platform that combines net terms financing, AR automation, and credit risk protection, Resolve Pay offers an integrated approach that addresses the full invoice lifecycle.
Before comparing Kickfurther and Two directly, it's essential to understand the broader landscape of B2B financing options available to growing businesses.
Purchase order financing allows businesses to fund the production or purchase of inventory before they receive payment from customers. Unlike traditional small business loans that require extensive documentation and lengthy approval processes, PO financing is tied directly to confirmed orders.
This makes PO financing particularly valuable for:
The primary advantage of invoice-based and order-based financing lies in accessibility. Startups and newer businesses often struggle to qualify for traditional bank loans due to limited credit history. Financing tied to actual customer orders or invoices shifts the underwriting focus from the seller's creditworthiness to the buyer's ability to pay.
Traditional small business loans require extensive financial documentation, strong business credit history, personal guarantees, and fixed repayment schedules regardless of cash flow.
Invoice and order-based financing, by contrast, aligns repayment with actual business activity. When customers pay, the financing is repaid, creating a more sustainable cash flow cycle for growing businesses.
For companies seeking to understand their working capital options, this distinction matters significantly when evaluating platforms like Kickfurther, Two, and Resolve Pay.
Kickfurther operates as a community-funded inventory financing platform. The model connects consumer product brands with individual investors who fund inventory purchases in exchange for returns when products sell.
This approach works well for direct-to-consumer brands and retail product companies needing capital to purchase inventory before peak selling seasons. The crowdfunding model introduces variability in funding availability and timing based on backer participation.
Two, founded in 2019 and headquartered in Oslo, Norway, takes a B2B BNPL approach. The platform integrates directly into merchant checkout flows to offer net terms at the point of purchase.
Two's partnerships with financial institutions including ABN AMRO, Santander, Allianz, and Visa provide financial backing for their risk-assumption model. The platform carries non-payment risk in relevant workflows, providing sellers with protection when extending terms through their system.
For B2B sellers, offering net payment terms such as Net 30, 60, or 90 is often essential for winning business. Large buyers expect deferred payment options, but extending credit creates cash flow challenges and credit risk exposure.
Resolve Pay's net terms financing transforms how B2B sellers manage custom
B2B buyers consistently prefer suppliers who offer flexible payment terms. The ability to pay invoices in 30, 60, or 90 days allows buyers to better manage their own working capital, align payments with their revenue cycles, and reduce reliance on credit cards and short-term financing.
However, sellers who offer these terms must either absorb the cash flow impact or find financing solutions.
Resolve Pay's net terms financing transforms how B2B sellers manage custom
Two's instant payout model addresses the seller's cash flow needs by providing payment at order confirmation. Merchants receive funds immediately while buyers pay on terms. This approach improves cash flow velocity for sellers using Two's checkout infrastructure.
Kickfurther, by contrast, doesn't directly address net terms scenarios. The platform focuses on inventory financing rather than accounts receivable acceleration.
Resolve Pay's net terms financing transforms how B2B sellers manage custom
Resolve Pay advances up to 90% of invoice value within 24 hours for approved invoices, bridging the gap between shipment and payment. The platform's approved invoice advances are non-recourse, meaning sellers have zero liability if approved buyers default on qualifying transactions.
Key features include:
For sellers evaluating their net terms management options, Resolve Pay's combination of fast funding and risk protection addresses both cash flow and credit exposure concerns.
The critical distinction in B2B financing is who bears the risk when buyers fail to pay. Traditional factoring typically uses recourse arrangements. If the buyer doesn't pay, the seller must repurchase the invoice. This leaves sellers exposed to the same credit risk they were trying to avoid.
Resolve Pay's non-recourse model on approved invoices eliminates this exposure. Sellers can confidently extend terms to qualified buyers knowing that payment is guaranteed on approved transactions regardless of buyer payment behavior.
Manual AR management consumes significant time and resources. B2B ecommerce transactions continue to grow, making efficient receivables management increasingly important for competitive businesses. Chasing payments, reconciling invoices, and managing collections diverts attention from growth activities.
Traditional invoice factoring addresses immediate cash flow needs but creates new challenges:
Two offers payment administration and AR capabilities as part of its B2B payment platform, with focus on the checkout and order-to-cash cycle.
A truly effective AR solution should automate the entire invoice lifecycle:
Resolve Pay's AR automation platform delivers these capabilities in a single solution. The platform syncs bidirectionally with major accounting systems including QuickBooks, Xero, Sage Intacct, and Oracle NetSuite.
Resolve Pay customers report significant efficiency gains. Trenchless Supply, for example, reduced their AR workload by over 90% while achieving credit approvals in under 24 hours through a two-way integration with their systems.
The platform handles the entire AR lifecycle from credit decisioning through collections, delivering operational efficiency for mid-market B2B suppliers.
Credit risk assessment determines which buyers receive terms, at what credit limits, and under what conditions. The quality of this assessment directly impacts both approval rates and default losses.
The fundamental question when evaluating B2B financing platforms is: who absorbs the loss when buyers don't pay?
This distinction matters enormously for sellers' financial planning and balance sheet protection.
Both Two and Resolve Pay leverage AI and data-driven approaches for credit decisioning.
Two's Delphi AI engine delivers rapid credit decisions to support checkout conversion, with the platform reporting high acceptance rates across their merchant base.
Resolve Pay uses data-driven and AI-supported credit assessment that evaluates buyer payment history, business signals, and other factors. Decision speed depends on the buyer and workflow. The platform can deliver approvals in seconds for certain eligible transactions, while other assessments may require additional review.
Resolve Pay's business credit check capabilities eliminate the manual trade reference calls and spreadsheet tracking that burden most B2B credit operations.
For mid-market B2B suppliers, credit risk represents one of the largest financial exposures. A single large default can eliminate an entire quarter's profits. By transferring this risk through non-recourse financing on approved invoices, Resolve Pay enables sellers to extend terms more confidently to qualified buyers, pursue larger deals without balance sheet exposure, and maintain more predictable cash flow.
Selecting a B2B financing partner requires evaluating multiple factors beyond headline features.
Seamless integration with existing business systems determines whether a platform creates efficiency or additional work.
Two's integrations:
Kickfurther's integrations:
Resolve Pay's integrations:
For businesses using QuickBooks or other major accounting platforms, Resolve Pay's deep integrations enable automatic payment reconciliation and reduced manual data entry.
As businesses grow, their financing needs evolve. The right platform should scale accordingly through volume handling capabilities, credit limit growth as buyer relationships strengthen, and feature expansion as needs change.
Resolve Pay serves thousands of businesses and has processed financing for companies ranging from growing distributors to established manufacturers. The platform's credit assessment adapts to buyer behavior over time, supporting growth without constant manual intervention.
B2B relationships depend on trust. How financing solutions interact with buyers matters for preserving those relationships.
Considerations include white-labeling capabilities that maintain your brand identity, smooth and professional buyer payment experiences, and thoughtful communication about payments.
Resolve Pay's white-labeled payment portal maintains seller branding throughout the buyer journey. Buyers see the seller's brand, not a third-party financing company, preserving the relationship integrity that B2B commerce requires.
Payment flexibility directly impacts sales performance. Buyers who can pay on their preferred terms are more likely to purchase and to purchase more.
Research shows that offering flexible payment terms can increase conversion rates and average order values in B2B transactions. However, checkout conversion tells only part of the story. For B2B suppliers, the ability to confidently extend terms to new customers opens markets that might otherwise remain inaccessible. A manufacturer who can safely offer Net 60 terms wins business from competitors who can only offer Net 30 or prepayment.
B2B relationships often span years or decades. Payment experience influences these long-term relationships through smooth and professional invoicing that builds confidence, flexible terms that demonstrate partnership orientation, professional collections that preserve relationships when needed, and self-service payment options that reduce friction.
Resolve Pay's agentic collections system uses multi-channel automated sequences across email, SMS, and voice AI with intelligent escalation. The system pauses automatically when payments or disputes are received and logs all interactions to invoice records. This approach maintains professional relationships while reducing days sales outstanding.
Different industries face unique payment challenges. The right financing solution should address sector-specific needs.
HVAC parts distribution faces high inventory carrying costs, seasonal demand fluctuations, and contractor customers who expect extended terms. These businesses need financing solutions that address AR challenges in HVAC parts distribution around payment timing.
Electrical supply businesses deal with large project-based orders, extended payment cycles tied to construction timelines, and the need for credit policies that balance growth and risk.
Industrial distribution involves wide product ranges with varying margins, customer bases spanning small contractors to large enterprises, and complex pricing and terms structures.
Two's capabilities focus on ecommerce checkout optimization and online B2B transactions where instant credit decisions drive conversion.
Kickfurther's model centers on consumer product brands raising inventory capital through community funding.
Resolve Pay serves the specific needs of mid-market B2B sellers across industries including HVAC parts distribution, electrical and plumbing supplies, construction equipment, safety equipment, building materials, and industrial distribution. Companies in these sectors benefit from the platform's ability to handle complex B2B scenarios across multiple sales channels.
The most demanding B2B scenarios require flexibility including field sales support for orders placed by sales reps and not just online checkout, offline transaction support for phone orders and trade shows and in-person sales, custom terms capabilities for negotiated arrangements with strategic accounts, and multi-channel consistency to provide the same financing experience across all sales channels.
Resolve Pay supports online, offline, field rep, and embedded checkout transactions, providing consistent financing across every sales channel.
For mid-market manufacturers, wholesalers, and distributors evaluating Kickfurther vs Two, the comparison reveals that each platform addresses specific aspects of B2B financing.
Kickfurther provides community-funded inventory financing for consumer product brands, helping DTC brands access capital for inventory purchases through a profit-sharing model with individual backers.
Two offers instant checkout financing for B2B ecommerce, with strong capabilities in European markets and Nordic platform integrations, focusing on conversion optimization for online transactions.
Resolve Pay provides a comprehensive credit-to-cash platform for B2B suppliers with:
For US-based B2B suppliers seeking to accelerate cash flow while eliminating credit risk and AR burden, Resolve Pay represents a comprehensive platform designed specifically for the complex needs of mid-market manufacturers, wholesalers, and distributors.
The platform's combination of non-recourse protection, fast funding, AR automation, and professional collections creates operational efficiency and financial security that enables confident growth. Whether you're a distributor extending terms to contractors, a manufacturer serving industrial buyers, or a wholesaler managing complex customer relationships, Resolve Pay's integrated approach addresses the full spectrum of credit-to-cash requirements.
Kickfurther operates as a community-funded inventory financing platform where individual backers provide capital for product inventory in exchange for profit-sharing when products sell. This model primarily serves consumer product brands needing capital to purchase inventory. Two functions as a B2B BNPL infrastructure provider that embeds directly into merchant checkouts, offering instant net terms to business buyers while paying merchants upfront. Two focuses on B2B ecommerce transactions and serves merchants across Europe, the United States, and the Nordics. The models serve fundamentally different use cases, with Kickfurther focused on inventory capital and Two focused on checkout-embedded buyer financing.
Without financing support, offering Net 30, 60, or 90 terms creates significant cash flow challenges. Sellers must fund inventory, labor, and operations while waiting 30 to 90 days for payment. This gap often forces businesses to either decline terms requests and lose sales, seek expensive short-term financing, or risk financial strain during growth periods. Additionally, sellers bear the full credit risk. If buyers don't pay, the seller absorbs the loss. Resolve Pay addresses both challenges by advancing up to 90% of invoice value within 24 hours and providing non-recourse protection on approved invoices, transferring credit risk away from the seller.
Resolve Pay uses data-driven and AI-supported credit assessment that evaluates buyer payment history, business signals, and other relevant factors. Decision speed depends on the buyer and workflow. The platform can deliver approvals in seconds for certain eligible transactions, while other assessments may require additional review time. The system provides credit decisions for qualifying buyers without requiring sellers to conduct manual trade reference calls or maintain complex spreadsheet tracking. This automated approach enables sellers to extend terms more efficiently while managing credit risk through Resolve Pay's non-recourse protection on approved invoices.
Traditional collections methods such as phone calls, emails, and eventually collection agencies consume significant staff time and can damage customer relationships. Resolve Pay's agentic collections system automates multi-channel follow-up sequences across email, SMS, and voice AI. The system uses intelligent escalation based on buyer response and payment history, pauses automatically when payments or disputes are received, and logs all interactions to invoice records. This approach reduces manual collections work while maintaining professional and friendly communication that preserves customer relationships, which is critical for B2B sellers who depend on repeat business.
Yes. Resolve Pay supports multiple transaction channels including online checkout with native integrations for Shopify, BigCommerce, Magento, and WooCommerce, offline transactions such as phone orders and trade show sales and in-person interactions, field rep sales for orders placed by sales representatives, and embedded checkout for custom implementations through REST API. The platform's omnichannel capability ensures consistent financing and AR management regardless of how orders originate, whether through an ecommerce site, trade show, phone order, or field sales visit. For businesses selling through multiple channels, this flexibility eliminates the need for separate financing solutions for each sales method.
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.