B2B companies offering flexible payment terms need a financing platform that supports buyer purchasing power without creating unnecessary cash flow pressure or accounts receivable work. Resolve Pay, Balance Payments, and FundThrough address this challenge through different models. Balance Payments provides embedded payment and financing infrastructure for platforms and marketplaces, while FundThrough focuses on advancing funds against outstanding invoices. Resolve Pay combines accounts receivable automation, net terms financing, AI-powered credit decisioning, payment acceptance, collections workflows, and ecommerce integrations for manufacturers, distributors, wholesalers, and other B2B sellers.
B2B sellers frequently allow customers to purchase products or services before paying the associated invoice. Net 30, Net 60, and Net 90 arrangements can strengthen commercial relationships, but they also leave the seller waiting for cash while inventory, payroll, shipping, and operating expenses remain due.
Invoice factoring addresses this timing gap by advancing money against eligible receivables. The invoice is generally assigned to the factoring provider, which receives payment from the customer when the invoice becomes due. The exact advance structure, collection process, eligibility requirements, and risk allocation depend on the provider and agreement.
Embedded payment platforms take a broader approach. Instead of treating an invoice as a standalone financing event, they can connect buyer qualification, checkout, invoicing, payment acceptance, and reconciliation within a wider commerce workflow.
These models matter as organizations adopt more digital payment processes. The Federal Reserve Payments Study tracks changes in noncash payment activity, while the CFPB small-business lending database provides information about business credit markets. The US Census Bureau also measures ecommerce activity across sectors of the US economy.
Resolve Pay, Balance Payments, and FundThrough apply these models differently:
Resolve Pay is a B2B payments and net terms platform designed to help sellers extend payment flexibility while improving cash flow and reducing the administrative burden associated with receivables.
The platform brings together functions that businesses often manage through separate systems:
Resolve Pay is particularly relevant to manufacturers, distributors, wholesalers, and merchants that sell primarily to other businesses. Eligible businesses generally need at least $1 million in annual B2B revenue.
Resolve Pay’s net terms platform allows approved buyers to receive flexible payment terms while eligible sellers receive accelerated payment on approved invoices. Available term structures can include Net 30, Net 60, Net 90, and other approved arrangements.
Key capabilities include:
This structure gives sellers a way to offer credit without building a large internal credit, collections, and receivables operation.
Resolve Pay’s AI-powered AR tools support invoice-to-cash workflows across net terms invoices, cash-on-delivery transactions, and invoices due upon receipt.
The platform can help finance teams automate:
Resolve Pay also uses intelligent reconciliation to associate incoming payments with the appropriate invoices. This helps reduce the manual work involved in searching bank records, updating invoice statuses, and transferring information between systems.
The objective is not simply to finance individual invoices. Resolve Pay provides infrastructure for managing the wider relationship between buyer credit, seller liquidity, payment acceptance, and receivables operations.
Resolve Pay’s business credit checks use company information, behavioral signals, proprietary data, and human credit expertise to assess business buyers.
Sellers can submit a company name and address for a discreet preliminary assessment. This allows the merchant to evaluate a potential buyer without requiring the buyer to complete an extensive application at the beginning of the process.
For eligible ecommerce transactions, a buyer can select net terms during checkout and complete the required application within the purchasing flow. Qualified applications may receive rapid decisions, while applications requiring additional review can be evaluated through Resolve Pay’s broader underwriting process.
Credit limits are not guaranteed. Decisions remain subject to buyer verification, transaction details, underwriting requirements, and Resolve Pay’s approval criteria.
Resolve Pay provides financial stack integrations for supported accounting, ERP, and ecommerce systems. Available connections include:
The platform also offers APIs and developer tools for merchants with custom storefronts, order management systems, ERPs, or marketplace workflows.
A connected implementation can automatically import relevant customer and invoice information, update transaction records, and return payment data to the seller’s source system. The exact direction and scope of synchronization depend on the selected integration and configuration.
For ecommerce merchants, Resolve Pay can place a net terms option directly within the checkout experience. Buyers can apply for terms without being redirected into a disconnected offline workflow, and approved transactions can flow into the merchant’s order and receivables systems.
Resolve received the 2026 BigCommerce integration award for its work supporting B2B net terms and payment workflows within the BigCommerce ecosystem.
Without invoice advancement, a seller offering Net 60 terms may deliver goods today but wait approximately two months for customer payment. During that period, the seller still needs to fund inventory replenishment, employee compensation, freight, facilities, and other operating costs.
Resolve Pay separates the buyer’s payment schedule from the seller’s cash flow timing. When an invoice is approved for Advance Pay, the seller can receive funds before the buyer’s invoice becomes due. Resolve Pay then manages the associated repayment and collections workflow.
This model can help businesses:
The result is a payment terms program that supports growth while keeping receivables activity connected to the rest of the seller’s financial systems.
Balance Payments provides embedded B2B payment, credit, and commerce infrastructure. Its tools are oriented toward platforms, marketplaces, and businesses that want to incorporate payment or financing functions into their own customer experiences.
Rather than focusing solely on advancing individual invoices, Balance Payments supports embedded commerce workflows in which payments, onboarding, credit, and transaction management operate within a platform’s existing interface.
Balance Payments supports capabilities such as:
This model can be relevant to marketplaces, procurement networks, and commerce platforms coordinating payments between multiple groups of buyers and sellers.
Implementation scope depends on the platform’s business model, technical environment, geographic coverage, payment flows, and required level of customization.
FundThrough is an invoice factoring and financing provider serving businesses in the United States and Canada. It allows businesses to obtain funds against eligible unpaid B2B invoices instead of waiting for customers to pay at the end of their agreed terms.
FundThrough states that it has funded more than $1 billion in invoices since its launch. Its service is focused primarily on converting existing receivables into working capital rather than embedding net terms within a seller’s ecommerce checkout.
FundThrough’s invoice funding features include:
FundThrough’s funding process generally requires invoices to meet its eligibility requirements. For connected QuickBooks or OpenInvoice accounts, eligible invoices can be pulled into the FundThrough dashboard for review.
The service can fit businesses that already have outstanding invoices and want to access the associated cash earlier. The approved amount, funding timeline, customer setup process, and transaction structure depend on FundThrough’s assessment and the selected product.
Resolve Pay is designed for B2B sellers that want to operate an ongoing net terms program rather than finance receivables only after invoices have been created.
Its workflow covers:
This makes Resolve Pay a strong fit for businesses seeking a unified infrastructure across sales, credit, payments, and accounts receivable.
Balance Payments is oriented toward platforms and marketplaces embedding payment and financing capabilities within their own products.
Its model aligns with organizations managing complex commerce flows, multiple participants, custom payment experiences, or international platform requirements.
FundThrough is centered on invoice factoring and financing. Businesses select eligible outstanding invoices and request funding against those receivables.
This can support companies whose main objective is obtaining working capital from invoices they have already issued, particularly when connected through QuickBooks or OpenInvoice.
Resolve Pay is the favorable choice for manufacturers, distributors, wholesalers, and other direct B2B sellers that want to combine payment terms with credit protection, cash flow acceleration, and receivables automation.
Resolve Pay brings buyer qualification, payment terms, invoice advancement, payment acceptance, reconciliation, and collections into a single operating environment.
This connected model can reduce the number of tools, spreadsheets, inboxes, and manual handoffs required to manage a B2B transaction from credit evaluation through final payment.
Approved buyers can receive additional time to pay while the seller receives accelerated funds on eligible invoices. This helps the merchant preserve working capital without removing a valuable purchasing option from the buyer.
Resolve Pay’s non-recourse structure protects sellers from covered defaults on approved invoices. Once an eligible invoice is approved and advanced, the merchant keeps the applicable advance even if the verified buyer later fails to pay, subject to the agreement’s requirements.
Resolve Pay can surface net terms during ecommerce checkout, through a sales representative, inside an invoice workflow, or through a branded payment portal.
This lets sellers offer a consistent credit and payment experience across online and offline sales channels.
As invoice volume grows, manual credit reviews, follow-ups, payment matching, and reconciliation can consume substantial finance-team capacity. Resolve Pay’s automation helps sellers manage higher transaction volumes without requiring every additional invoice to create equivalent manual work.
For eligible US-based B2B businesses with at least $1 million in annual B2B revenue, Resolve Pay provides a practical path to converting payment terms from an operational burden into a structured growth tool.
Resolve Pay assumes the covered buyer credit risk for approved and advanced invoices. If a verified buyer later defaults, the seller keeps the applicable advance, subject to Resolve Pay’s agreement, transaction eligibility, and verification requirements. This allows merchants to offer approved customers flexible terms without retaining the same level of default exposure associated with managing trade credit internally.
Resolve Pay can support Net 30, Net 60, Net 90, and other approved payment arrangements. Available terms depend on the buyer’s credit profile, transaction details, merchant configuration, and underwriting decision. Sellers can present eligible terms through ecommerce checkout, invoices, traditional sales processes, or embedded payment experiences.
Yes. Resolve Pay supports integrations with systems such as QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento 2, and WooCommerce. APIs are also available for custom systems. Integration scope varies, but supported workflows can include customer imports, invoicing, checkout, transaction synchronization, payment updates, and reconciliation.
Resolve Pay states that eligible approved invoices can provide sellers with accelerated access to funds, often within approximately one business day. Actual timing depends on approval, invoice submission, verification, banking processes, and the merchant’s configuration. Buyers continue paying according to their approved payment terms.
Resolve Pay is designed primarily for B2B manufacturers, distributors, wholesalers, and merchants that want to offer payment terms while improving cash flow and automating receivables. Eligible businesses generally need at least $1 million in annual B2B revenue and should have customers that benefit from structured business credit or flexible invoice payment options.
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.