Kolleno Alternatives for B2B Collections (2027)

While Kolleno has earned a 4.9/5 rating across review platforms for its order-to-cash automation, B2B companies are increasingly seeking alternatives that combine AR automation with immediate cash flow solutions. From Resolve Pay's non-recourse net terms financing to specialized AR automation platforms, these nine solutions offer different approaches to managing B2B collections, payment workflows, and receivables.

The B2B collections software market continues its rapid evolution in 2027, with real-time payments growing at a 34.3% CAGR from 2026 to 2034. This growth has fueled innovation beyond traditional AR automation, creating sophisticated options that address both efficiency and liquidity challenges.

Key Takeaways

• Non-recourse financing supports cash flow: Resolve Pay combines advances on eligible approved invoices with AR automation, allowing sellers to access working capital before customers complete their Net 30/60/90 payment terms
• Integrated AR automation supports scalability: Resolve Pay combines credit management, invoice financing, automated collections, and payment reconciliation to help growing B2B companies manage receivables efficiently
• AI underwriting replaces manual credit work: Modern platforms deliver credit decisions in under 24 hours compared to traditional multi-day trade reference processes, with Resolve's Smart Credit Engine evaluating thousands of buyer data points in real-time
• E-commerce integration separates leaders from laggards: Only select platforms offer native checkout integrations with Shopify, BigCommerce, WooCommerce, and Magento for B2B net terms at point of purchase
• Implementation depends on integration requirements: Resolve Pay supports connections with QuickBooks Online, NetSuite, Xero, and Sage Intacct, with deployment timelines varying by system configuration and workflow complexity
• Specialized capabilities address different needs: Resolve Pay combines non-recourse invoice advances, AI-powered credit decisioning, and automated collections for manufacturers, distributors, and wholesalers, subject to eligibility and program terms

Understanding What B2B Companies Need From Modern Collections Software

B2B collections involve more than sending payment reminders and tracking overdue invoices. Manufacturers, wholesalers, and distributors often extend Net 30, Net 60, or Net 90 payment terms to maintain strong buyer relationships and support larger orders. However, these arrangements create a gap between delivering products and receiving payment. During that period, businesses still need working capital to purchase inventory, pay suppliers, and cover operating expenses.

Traditional accounts receivable processes often rely on disconnected spreadsheets, manual credit checks, email follow-ups, and separate accounting systems. As transaction volumes increase, these workflows become harder to manage. Finance teams need tools that improve payment visibility, reduce administrative work, and help maintain predictable cash flow.

Key Capabilities to Look for in B2B Collections Software

When evaluating collections platforms, businesses should focus on capabilities that support the entire receivables lifecycle:

• Automated payment reminders: Scheduled follow-ups help finance teams maintain consistent communication with buyers and reduce manual collections work.
• AI-powered credit assessments: Automated credit evaluations help businesses assess buyer creditworthiness and make informed decisions when extending payment terms.
• Invoice financing: Access to advances on eligible approved invoices can help sellers maintain liquidity while customers complete their payment terms.
• Payment reconciliation: Automated transaction matching helps connect incoming payments with outstanding invoices and reduces manual bookkeeping.
• ERP and ecommerce integrations: Connections with accounting systems and online sales channels help synchronize transaction data and improve operational visibility.
• Buyer payment flexibility: Support for multiple payment methods and approved net terms helps businesses accommodate different purchasing requirements.

Why Combining AR Automation With Financing Matters

AR automation improves how businesses manage outstanding invoices, but operational efficiency does not necessarily eliminate the waiting period between invoicing and payment. A company may automate collections successfully while still having significant working capital tied up in receivables.

This is where Resolve Pay's net terms and financing capabilities provide additional value. Resolve Pay combines AI-powered credit decisioning, non-recourse advances on eligible approved invoices, automated collections, and payment reconciliation within a unified B2B payments platform.

Rather than managing credit assessments, financing arrangements, and collections through separate workflows, businesses can coordinate these activities through Resolve Pay's AR automation. Its supported ERP and ecommerce integrations also help connect receivables processes with existing business systems.

For growing B2B companies, the goal is not simply to collect invoices faster. It is to establish a more efficient credit-to-cash process that supports flexible buyer payment terms, reduces manual AR work, and improves access to working capital without disrupting customer relationships.

1. Resolve Pay: Non-Recourse Net Terms with AI-Powered Collections

Resolve Pay combines non-recourse invoice advances on eligible approved transactions with comprehensive accounts receivable automation. Founded by entrepreneurs with experience building B2B financial technology, Resolve Pay combines AI-powered credit decisioning, embedded financing, and accounts receivable automation for business sellers.

What Makes Resolve Different

The fundamental distinction lies in Resolve's financing model. While Kolleno and other AR platforms help you collect faster, you still wait 30-90 days for customer payments. Resolve offers advance payments on eligible approved invoices, with funding typically available within 1-2 business days, subject to approval and processing requirements. Advance amounts vary according to the applicable program and transaction. The non-recourse structure means Resolve assumes credit risk on eligible approved financed invoices, providing protection against covered buyer defaults.

Core Platform Capabilities

• Net terms financing with Net 30, 60, or 90-day payment options
• Non-recourse invoice advances on eligible approved transactions, with funding typically available within 1-2 business days
• AI Credit Engine delivering credit decisions in under 24 hours
• Agentic Collections with multi-channel automation (email, SMS, voice AI)
• Native integrations with Shopify, BigCommerce, WooCommerce, and Magento
• ERP and accounting integrations with QuickBooks Online, NetSuite, Xero, and Sage Intacct, supporting automated data synchronization according to each integration's capabilities
• White-labeled buyer payment portal accepting ACH, wire, credit card, and check

Proven Results

The platform serves over 15,000 businesses and highlights customer success stories across multiple industries. These include Archipelago Lighting, which reported tripling revenue, ConEquip, which expanded its net terms program, and Trenchless Supply, which streamlined receivables management and improved the customer payment experience.

Resolve's accounts receivable automation eliminates manual invoice entry, reconciliation, and payment tracking. The platform's ML-powered payment matching automatically reconciles invoice-to-cash transactions, while configurable collection sequences preserve customer relationships through professional, automated follow-ups.

For manufacturers, distributors, and wholesalers seeking both operational efficiency and working capital optimization, Resolve combines financing, credit decisioning, and AR automation within a unified B2B payments platform.

2. Upflow

Upflow approaches AR automation with tools for managing receivables, payment follow-ups, and finance team collaboration.

Platform Strengths

• Unlimited user seats across all paid plans
• Strong B2B SaaS and subscription business focus
• Native integrations with Xero, QuickBooks, NetSuite, and Chargebee
• AI-assisted cash application and payment matching
• Slack integration for team collaboration

Upflow focuses on accounts receivable automation, payment follow-ups, and cash application workflows. Resolve Pay additionally combines AR automation with non-recourse advances on eligible approved invoices.

3. Versapay

Versapay has built its reputation on buyer-supplier collaboration, processing over $170 billion annually. The platform's 81% customer portal adoption rate significantly exceeds the 20% industry average, demonstrating strong end-user engagement.

Collaborative Features

• Real-time dispute resolution between buyers and suppliers
• AI-powered cash application with 90%+ matching accuracy
• Native ERP integrations with NetSuite, Dynamics 365, and Sage
• Machine learning customer segmentation
• Level 2/3 card optimization reducing processing costs

Versapay focuses on collaborative accounts receivable workflows, including invoice communication and dispute management. Resolve Pay integrates credit decisioning, invoice advances, and collections within its B2B payments platform.

4. Gaviti

Gaviti focuses on automating collections workflows and supporting receivables management across finance teams.

Automation Capabilities

• Fully autonomous collection sequences
• Strong credit risk scoring and monitoring
• Self-service buyer payment portal
• Integrations with NetSuite, SAP, Dynamics, QuickBooks, Xero, and Salesforce

Gaviti emphasizes collections automation and credit management. Resolve Pay combines these operational capabilities with non-recourse financing on eligible approved invoices.

5. HighRadius

HighRadius targets large enterprises with comprehensive order-to-cash automation spanning credit management, collections, cash application, and deductions. The platform serves Fortune 500 companies with complex, multi-entity AR operations.

Enterprise Features

• End-to-end O2C automation
• AI-powered credit risk assessment
• Automated cash application
• Deduction management
• Deep SAP, Oracle, and enterprise ERP integration

The platform primarily targets enterprises managing complex order-to-cash processes across multiple business entities. HighRadius implementations vary according to enterprise architecture, integrations, and operational requirements.

6. Billtrust

Billtrust has established itself in high-volume B2B invoicing with its Business Payments Network connecting buyers and suppliers. The platform focuses on electronic invoice delivery and payment acceptance across multiple channels.

Network Benefits

• Electronic invoice delivery and tracking
• Multi-channel payment acceptance
• Supplier network for streamlined transactions
• Integration with major ERP systems

Billtrust focuses on digital invoicing, payment acceptance, and B2B payment workflow management.

7. Quadient AR

Quadient AR (formerly YayPay) combines AR automation with predictive analytics to help finance teams forecast cash flow and prioritize collection efforts. The platform targets mid-market organizations seeking data-driven AR management.

Analytics Focus

• Predictive payment forecasting
• Customer payment behavior analysis
• Automated dunning workflows
• ERP integration capabilities
• Cash flow visibility dashboards

Quadient AR focuses on predictive analytics, collections automation, and receivables visibility. Resolve Pay connects AR management with embedded credit decisioning and approved invoice financing to support working capital needs.

Why Resolve Pay Supports B2B Collections and Cash Flow

B2B manufacturers, distributors, and wholesalers need more than automated payment reminders. Effective receivables management also requires reliable credit decisions, invoice visibility, flexible payment terms, and predictable access to working capital.

Resolve Pay brings these capabilities together through AI-powered underwriting, non-recourse advances on eligible approved invoices, automated collections, and payment reconciliation.

Key Resolve Pay Capabilities

• Accelerated cash flow: Access advances on eligible approved invoices before buyers complete their payment terms
• AI-powered credit management: Evaluate business buyers and support credit decisions through automated underwriting
• Automated collections: Coordinate email, SMS, and voice AI follow-ups with configurable escalation workflows
• Integrated AR management: Manage invoicing, payment tracking, and reconciliation within a connected platform
• B2B payment flexibility: Offer eligible buyers approved net payment terms across supported sales channels
• ERP and ecommerce connectivity: Connect Resolve Pay with supported accounting, ERP, and commerce systems

For B2B companies evaluating their collections infrastructure, the choice increasingly comes down to whether you need software alone or software plus financing. Platforms like Resolve Pay that combine AR automation with non-recourse advances represent a fundamentally different value proposition than pure software solutions.

Streamline B2B Collections With Resolve Pay

Resolve Pay brings together AI-powered credit decisioning, non-recourse invoice advances on eligible approved transactions, automated collections, and payment reconciliation in one B2B payments platform.

For manufacturers, distributors, and wholesalers, this integrated approach helps reduce manual receivables work, offer flexible net terms, and accelerate access to working capital while maintaining professional buyer relationships.

With supported ERP and ecommerce integrations, Resolve Pay helps growing B2B businesses connect credit, invoicing, collections, and payments through a unified workflow. The platform's business credit check capabilities replace manual trade reference processes while its e-commerce integrations enable net terms at online checkout through Resolve's integrated platform.

Frequently Asked Questions

What is the main difference between Kolleno and Resolve Pay?

Kolleno provides comprehensive AR automation software for collections, reconciliation, and dispute management. Resolve Pay combines AR automation with non-recourse invoice advances on eligible approved transactions. Funding is typically available within 1-2 business days, subject to approval and processing requirements, while customers can receive approved Net 30/60/90 payment terms. This approach supports both receivables management and accelerated seller cash flow.

How does non-recourse financing protect my business from bad debt?

Non-recourse financing transfers credit risk from the seller to the financing provider on eligible approved financed invoices. When Resolve Pay advances funds on an approved invoice, sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. This differs from traditional factoring where sellers often retain recourse liability if customers fail to pay.

Can I integrate these platforms with my existing ERP and e-commerce systems?

Resolve Pay supports integrations with QuickBooks Online, NetSuite, Xero, and Sage Intacct, along with ecommerce connections for Shopify, BigCommerce, WooCommerce, and Magento 2. Available synchronization capabilities depend on the specific integration and configuration. Resolve Pay also provides API options for custom workflows. Most alternatives support major accounting platforms, though e-commerce checkout integration capabilities vary across platforms.

How quickly can I implement a Kolleno alternative?

Resolve Pay supports implementation through pre-built integrations and configurable workflows. Some standard integrations can be deployed within days, while more complex ERP connections or customized implementations may require additional time. Businesses should confirm system compatibility, synchronization requirements, and deployment scope before implementation. Resolve Pay offers pre-built integrations and flexible APIs to support implementation across different accounting, ERP, and ecommerce environments.

How Does Resolve Pay Handle Existing Customer Credit Data?

Resolve Pay supports AI-powered credit evaluations using available business information and relevant buyer data. Credit decision timing depends on verification requirements and individual buyer circumstances. Existing customer and invoice records can be incorporated into supported integration workflows, subject to configuration and data availability. Businesses should validate data mappings, reconciliation processes, and customer communications during implementation.

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.