Jul 16, 2026
When B2B companies want to improve cash flow while offering flexible payment terms, the right solution depends on the financial workflow they need to support. Resolve Pay, Balance Payments, and OnDeck address different business requirements. Balance Payments provides financial infrastructure for embedded B2B payments and digital trade credit, while OnDeck offers term loans and revolving lines of credit for general business expenses. Resolve Pay combines B2B net terms financing, AI-powered credit decisions, advance payment on approved invoices, payment processing, and accounts receivable automation for manufacturers, distributors, wholesalers, and other B2B sellers.
Key Takeaways
- Resolve Pay supports the complete net terms workflow: The platform combines buyer credit decisions, advance payment, invoicing, payment acceptance, reconciliation, and collections in one system.
- Approved invoices receive non-recourse protection: Sellers retain the funds advanced by Resolve Pay when an approved buyer does not pay, subject to the applicable program terms.
- Balance Payments focuses on embedded B2B commerce: Its platform supports digital trade credit, B2B payment acceptance, invoicing, collections, cash application, and configurable buyer journeys.
- OnDeck provides general-purpose business financing: Its term loans and revolving lines of credit can support inventory purchases, payroll, equipment, expansion, and other working capital needs.
- The products solve different cash flow challenges: Resolve Pay is connected to customer invoices, Balance Payments is built around embedded commerce infrastructure, and OnDeck provides business debt financing.
- Resolve Pay is closely aligned with trade credit: B2B sellers can offer Net 30, Net 60, Net 90, or other approved terms while maintaining faster access to cash and automating receivables work.
Why Businesses Compare These B2B Financial Platforms
B2B sellers frequently experience a timing gap between delivering an order and receiving payment. Buyers may expect net terms, while suppliers still need cash for inventory, payroll, shipping, production, and other operating expenses.
The Federal Reserve’s small business survey examines financing needs, credit experiences, and financial challenges among firms with fewer than 500 employees. Its findings reinforce the importance of matching financing products to the underlying reason a business needs capital.
These three platforms approach that challenge differently:
- Resolve Pay helps sellers offer trade credit and receive advance payment on approved invoices.
- Balance Payments supplies embedded payment and digital trade credit infrastructure.
- OnDeck provides term loans and revolving business credit.
- Resolve Pay and Balance Payments connect financing with buyer payment workflows.
- OnDeck gives the borrowing business capital that it repays under a lending agreement.
The right choice therefore depends on whether a company needs an integrated net terms program, embedded commerce infrastructure, or general working capital.
Understanding Each Platform’s Core Positioning
Resolve Pay
Resolve Pay is a B2B payments and net terms platform designed to help merchants grow sales, improve cash flow, and streamline credit-to-cash operations. It combines credit decisioning, invoice advancement, payment processing, collections, and accounts receivable automation.
The platform is designed for companies that sell to other businesses through ecommerce, traditional sales teams, field representatives, marketplaces, or hybrid channels. Resolve Pay can evaluate buyers, establish approved credit terms, advance funds on eligible invoices, and manage payment workflows through a branded portal.
Rather than treating underwriting, financing, invoicing, and collections as separate processes, Resolve Pay connects them within one system.
Balance Payments
Balance Payments provides financial infrastructure for B2B commerce. Its product offering includes pay-by-invoice capabilities, B2B buy now, pay later, invoicing, collections, cash application, payment acceptance, and embedded digital trade credit.
The company supports merchants, marketplaces, distributors, and platforms that want to integrate payment and credit functionality into their buyer experience. Its APIs and ready-made integrations can support configurable checkout, billing, and reconciliation workflows.
Balance Payments is especially relevant when embedded financial infrastructure and customizable buyer journeys are central to the implementation.
OnDeck
OnDeck is an online small business lender offering term loans and revolving lines of credit. Businesses can use the funds for a range of operating needs, including inventory, payroll, equipment, marketing, repairs, and expansion.
OnDeck’s financing is provided to the business itself rather than being tied to a specific customer invoice. The business receives capital and repays it under the terms of its loan or credit agreement.
This structure can support companies that need general working capital rather than a supplier-side net terms and receivables platform.
1. Resolve Pay for Net Terms and Accounts Receivable Automation
Core Capabilities
Resolve Pay is closely aligned with B2B companies that regularly sell on invoice and want to offer flexible payment terms without managing the entire credit process internally.
Its primary capabilities include:
- Net terms financing: Sellers can offer approved buyers Net 30, Net 60, Net 90, or other supported payment schedules.
- Advance payment: Resolve Pay can advance funds on eligible invoices rather than requiring the seller to wait until the buyer’s due date.
- Non-recourse protection: Advance payments on approved invoices are non-recourse, subject to the applicable terms and buyer verification.
- AI-powered credit decisions: Resolve Pay uses business data, behavioral signals, and credit expertise to evaluate buyer eligibility.
- Automated invoicing: Finance teams can create, send, organize, and monitor invoices through a centralized workflow.
- Collections automation: AI-assisted workflows can manage reminders, payment follow-ups, and collection activities.
- Payment acceptance: Buyers can pay through a branded portal using ACH, wire transfer, credit card, or check.
- Reconciliation: Payment and transaction records can be matched and synchronized with connected financial systems.
- Credit and AR visibility: Teams can review credit activity, invoice status, aging, and payment information from one platform.
These capabilities make Resolve Pay more than a source of working capital. The platform supports the operational process that begins when a buyer requests credit and continues until the invoice is paid and reconciled.
Credit Decisions and Risk Management
Offering net terms requires a seller to determine which customers qualify, how much credit to provide, and how long they should have to pay. Managing those decisions manually can create inconsistent policies and additional work for sales and finance teams.
Resolve Pay’s business credit checks combine AI-driven analysis with credit expertise. The platform can use a buyer’s business identity and relevant financial signals to support an approval decision and recommend an appropriate credit line.
When Resolve Pay approves and advances an eligible invoice, the advance is non-recourse under the relevant program terms. This means the seller retains the advanced funds if the approved buyer later defaults. Credit limits and advance availability remain subject to verification and Resolve Pay’s underwriting decisions.
Accounts Receivable Automation
Resolve Pay also supports invoices that are not financed. Its AR platform can manage net terms invoices, cash-on-delivery transactions, and invoices due upon receipt.
The AR automation platform includes tools for:
- Invoice creation and delivery
- Automated payment reminders
- Collections workflows
- Payment portal management
- Cash application
- Transaction reconciliation
- Credit monitoring
- Accounting and ERP synchronization
- Receivables reporting
This combination helps finance teams manage both cash flow and administrative workload. Instead of transferring invoice information among disconnected systems, businesses can coordinate credit, payment, and AR activity through a unified workflow.
Payment Experience
Resolve Pay allows sellers to maintain a branded buyer experience. Customers can receive invoices, review balances, select available payment methods, and manage approved terms through a seller-branded portal.
The B2B payments platform supports ACH, wire transfers, credit cards, and checks. This gives buyers several ways to pay while giving the seller centralized visibility into transaction status.
For ecommerce sellers, approved net terms can also be embedded within checkout. Buyers can apply for terms without leaving the purchase flow, helping the seller maintain a consistent experience across online and offline channels.
Integrations
Resolve Pay connects with accounting, ERP, and ecommerce systems so that credit and payment activity can fit into existing business processes.
Its financial system integrations include support for platforms such as:
- QuickBooks Online
- Oracle NetSuite
- Xero
- Sage Intacct
- Shopify
- BigCommerce
- Magento 2
- WooCommerce
Resolve Pay also provides APIs for companies with custom commerce, order management, or financial systems. The custom integration framework can connect buyer credit decisions, invoice creation, collections, payment status, and reconciliation data without requiring a company to replace its existing technology stack.
Best Fit
Resolve Pay is especially relevant for established B2B sellers that:
- Regularly issue invoices to business customers
- Want to offer flexible net terms
- Need faster access to cash from approved sales
- Want to reduce exposure to buyer nonpayment
- Manage significant credit and collections work
- Use ecommerce, ERP, or accounting software
- Want financing and AR automation in one platform
Manufacturers, wholesalers, distributors, equipment suppliers, construction material providers, and other invoice-based sellers can use Resolve Pay to turn trade credit into a more scalable sales and receivables program.
2. Balance Payments
Core Capabilities
Balance Payments provides financial infrastructure for companies that want to embed B2B payments and digital trade credit into their commerce environment.
Its product capabilities include:
- Pay-by-invoice workflows
- B2B buy now, pay later
- Payment acceptance
- Digital trade credit
- Invoicing
- Collections
- Cash application
- Marketplace payments and payouts
- API-based buyer experiences
- Integration with B2B commerce software
Balance Payments can support organizations that need configurable payment functionality across a marketplace, ecommerce site, platform, or distributor network.
Balance Payments may be relevant for businesses whose priority is building an embedded commerce experience with configurable payment, billing, and credit components.
Organizations evaluating the platform may include:
- Digital B2B marketplaces
- Ecommerce platforms
- Enterprise distributors
- Software platforms serving business buyers
- Companies building custom checkout flows
- Businesses coordinating buyer and seller transactions
Balance Payments and Resolve Pay both participate in B2B payments and trade credit, but their positioning emphasizes different implementation needs. Balance Payments highlights embedded financial infrastructure and customizable commerce journeys. Resolve Pay emphasizes a seller-focused net terms program that combines invoice advancement, non-recourse protection, and receivables automation.
3. OnDeck
Core Capabilities
OnDeck provides two primary forms of small business funding:
- Term loans: A business receives a lump sum and repays it over an agreed period.
- Lines of credit: A business receives access to revolving credit and can draw funds as needed, subject to its approved limit.
OnDeck states that eligible businesses may receive funding as soon as the same day. Funding speed depends on approval timing, banking arrangements, product requirements, and other conditions.
Businesses commonly use this type of capital for:
- Inventory
- Payroll
- Equipment
- Repairs
- Marketing
- Seasonal expenses
- Expansion
- Short-term cash flow gaps
OnDeck has reported serving more than 185,000 businesses since 2006. Its published minimum qualifications generally include time in business, annual revenue, a business checking account, and a qualifying personal credit score.
OnDeck may fit businesses that need capital for a broad operating purpose and are prepared to repay a business loan or line of credit.
The financing is not directly connected to whether the borrower’s customers pay their invoices. The business remains responsible for repayment according to its agreement, making it important to evaluate the expected use of funds and the company’s repayment capacity.
How Resolve Pay Supports B2B Suppliers
Connects Financing to Customer Sales
Resolve Pay’s invoice-based model connects funding to approved B2B transactions. When an eligible invoice receives Advance Pay, the seller receives cash while the buyer retains its approved payment terms.
This can help a business support larger orders or longer payment schedules without creating the same receivables delay it would face when financing terms entirely from its own balance sheet.
Combines Credit and Receivables Operations
Credit approval is only one part of a net terms program. Sellers must also create invoices, communicate payment instructions, track due dates, accept payments, follow up on overdue balances, and reconcile transactions.
Resolve Pay combines those activities within one platform. Finance teams can manage the customer’s progression from credit evaluation through final payment without coordinating multiple disconnected providers.
Protects Approved Transactions
Resolve Pay’s non-recourse structure can reduce the financial impact of buyer default on approved invoices. The protection is linked to Resolve Pay’s underwriting and the conditions of the applicable transaction.
This structure can give sales teams greater confidence when offering terms while allowing finance teams to apply a consistent external underwriting process.
Supports Multiple Sales Channels
B2B companies increasingly sell through a mixture of ecommerce, direct sales, field representatives, phone orders, purchase orders, and marketplaces. The Census Bureau’s ecommerce statistics track the role of electronic commerce across major sectors of the US economy.
Resolve Pay can support online and offline transactions within the same credit and receivables framework. Sellers can embed terms in checkout, create invoices from internal systems, or manage transactions initiated by sales representatives.
Fits Existing Financial Systems
Resolve Pay is designed to work with established accounting, ERP, and commerce systems. For example, the NetSuite integration can connect invoice and payment data with a broader credit-to-cash process.
This approach allows businesses to add credit decisioning, advance payment, and AR automation without rebuilding their entire financial technology stack.
What B2B Companies Should Evaluate
Before selecting a platform, businesses should define the financial problem they are trying to solve.
Primary Funding Need
Determine whether the company needs:
- Cash tied directly to approved customer invoices
- Embedded payment and digital credit infrastructure
- A general-purpose business loan
- A revolving source of working capital
- AR automation and collection support
- A combination of financing and operational tools
Risk Structure
Businesses should understand who is responsible if a customer does not pay.
Resolve Pay provides non-recourse advances on approved invoices under the applicable program terms. Business loans, including products such as OnDeck term loans and credit lines, are obligations of the borrowing company regardless of customer payment outcomes.
Operational Workflow
Consider how the platform will interact with:
- Credit applications
- Sales approvals
- Ecommerce checkout
- Invoice creation
- Payment acceptance
- Collections
- Cash application
- Accounting records
- ERP reporting
A platform that aligns with the existing order-to-cash process can reduce manual work and implementation friction.
Eligibility and Underwriting
Qualification is not automatic for any financing product. Resolve Pay evaluates the merchant, buyer, and transaction. OnDeck evaluates the borrowing business under its lending criteria. Balance Payments applies underwriting and implementation requirements based on its products and commercial arrangement.
The Consumer Financial Protection Bureau provides small business lending resources that can help companies understand the broader lending and credit reporting environment.
Final Verdict
Resolve Pay is the most closely aligned option in this comparison for established B2B sellers that want to offer net terms, receive advance payment on approved invoices, reduce credit risk, and automate accounts receivable operations.
Resolve Pay’s advantage for invoice-based suppliers is the way it connects the entire trade credit workflow. Credit decisions, net terms, non-recourse Advance Pay, invoicing, payment acceptance, collections, reconciliation, and integrations operate within one platform.
For manufacturers, wholesalers, distributors, and other B2B sellers, this integrated approach can support sales growth while helping finance teams maintain cash flow, consistent credit controls, and a more efficient receivables process.
Frequently Asked Questions
What Makes Resolve Pay Different From a Business Loan?
Resolve Pay connects funding to approved customer invoices and supports the seller’s net terms workflow. A business loan gives the borrowing company capital that must be repaid under a lending agreement. Resolve Pay also includes credit decisions, invoicing, payment acceptance, collections, reconciliation, and AR automation, making it both a financing and operational platform.
Are Resolve Pay Advances Non-Recourse?
Yes. Resolve Pay states that Advance Pay funds on approved invoices are non-recourse, so the seller retains the advance if the approved buyer does not pay. Coverage remains subject to buyer verification, transaction approval, and the applicable program terms. Businesses should confirm the conditions associated with their specific agreement.
Can Resolve Pay Manage Invoices That Are Not Advanced?
Yes. Resolve Pay’s accounts receivable platform can support different invoice structures, including net terms, cash-on-delivery transactions, and invoices due upon receipt. Businesses can use its invoicing, reminder, payment, reconciliation, and collections workflows even when a particular invoice is not financed.
Which Payment Methods Does Resolve Pay Support?
Resolve Pay’s branded payment portal can support ACH, wire transfer, credit card, and check payments. Available methods may depend on the merchant’s configuration and transaction. The portal helps sellers provide buyers with flexible payment options while maintaining centralized payment tracking and reconciliation.
Which Businesses Are Best Suited to Resolve Pay?
Resolve Pay is designed for established B2B sellers, particularly manufacturers, wholesalers, distributors, and ecommerce merchants that regularly offer invoice-based payment terms. It is most relevant when a company wants to combine net terms, advance payment, buyer credit decisions, non-recourse protection, and accounts receivable automation within one platform.
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.
