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.
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.
When evaluating collections platforms, businesses should focus on capabilities that support the entire receivables lifecycle:
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.
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.
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.
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.
Upflow approaches AR automation with tools for managing receivables, payment follow-ups, and finance 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.
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.
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.
Gaviti focuses on automating collections workflows and supporting receivables management across finance teams.
Gaviti emphasizes collections automation and credit management. Resolve Pay combines these operational capabilities with non-recourse financing on eligible approved invoices.
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.
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.
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.
Billtrust focuses on digital invoicing, payment acceptance, and B2B payment workflow management.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.