When B2B companies want to offer flexible payment terms without straining cash flow, choosing the right platform requires looking beyond buyer financing alone. Resolve Pay, Balance Payments, and Slope support different parts of B2B payments, credit, and order-to-cash workflows. Balance Payments is oriented toward embedded payment infrastructure and marketplace transactions, while Slope provides business financing and credit infrastructure through software and APIs. Resolve Pay combines B2B net terms, non-recourse invoice advances, AI-powered credit decisions, payment processing, and accounts receivable automation in one platform for manufacturers, distributors, wholesalers, and other B2B sellers.
For established North American suppliers, Resolve Pay provides the most complete path from buyer approval to invoice payment. Merchants can offer flexible terms, receive advance payment on approved invoices, automate receivables workflows, and reduce exposure to buyer nonpayment without assembling several disconnected systems.
The B2B payments market is moving away from disconnected credit applications, spreadsheets, manual invoicing, and reactive collections. Modern platforms bring underwriting, payment terms, payment processing, and receivables management into digital workflows that can support both online and offline sales.
B2B sellers usually evaluate these platforms because they want to:
These priorities are especially important when buyers expect trade credit but suppliers must pay inventory, payroll, freight, and operating expenses before an invoice is collected. The Small Business Credit Survey provides broader context on business financing conditions, while the Federal Reserve Payments Study tracks how payment activity continues to evolve across the United States.
Resolve Pay, Balance Payments, and Slope address these needs through different combinations of financing, payment infrastructure, software, and credit technology.
Resolve Pay grew from a B2B payments initiative incubated within Affirm and developed into an independent platform focused on net terms, embedded credit, payments, and accounts receivable automation.
Its platform is designed for merchants that sell to other businesses, particularly manufacturers, distributors, wholesalers, and B2B ecommerce companies. Resolve Pay connects the full credit-to-cash process:
Resolve Pay’s central distinction is its non-recourse approach to approved invoice advances. When an eligible invoice is approved and advanced, the merchant keeps the advance even if the buyer later defaults, subject to the applicable program terms.
Balance Payments provides embedded B2B payment infrastructure for platforms, marketplaces, and businesses building customized transaction experiences. Its model emphasizes configurable payment workflows that can be incorporated into a company’s existing product or marketplace environment.
Typical use cases include:
Balance Payments is most relevant to businesses that view payments as part of a broader platform experience and have the technical resources to configure those workflows around their operating model.
Slope provides B2B credit and financing infrastructure for enterprise companies, wholesalers, platforms, and marketplaces. Its current offerings include embedded capital and SlopeScore, a cash-flow-based credit assessment product that can supplement existing underwriting systems.
Slope supports use cases such as:
Slope states that many financing decisions can be made quickly, although additional information may be required for some applicants. Its products are designed for companies that want to add business credit or financing to an existing platform or purchasing workflow.
Best for: Established B2B sellers seeking net terms, non-recourse invoice advances, credit management, and receivables automation in one platform.
Resolve Pay is built around the operational needs of suppliers. Instead of treating financing as a standalone checkout option, it connects buyer credit, payment terms, invoicing, collections, and reconciliation across the receivables lifecycle.
Resolve Pay’s financial system integrations include widely used ecommerce, accounting, and ERP platforms such as:
Standard connectors can reduce manual data entry and reconciliation work. Resolve Pay also provides APIs for businesses with custom ecommerce platforms, internal ordering systems, or more complex integration requirements.
The ERP integration guide explains how merchants can connect credit, invoicing, payment, and accounting workflows. NetSuite users can also review the documented NetSuite integration process.
Self-managed payment terms require a supplier to finance the buyer during the payment period. The supplier delivers the goods or services but may wait several weeks to collect the invoice. It also remains responsible for underwriting, monitoring credit exposure, sending reminders, and handling nonpayment.
Resolve Pay changes this structure by underwriting eligible buyers and advancing funds on approved invoices. The buyer retains the approved payment period, while the seller can receive cash without waiting through the entire term.
This model can help merchants:
The U.S. Census Bureau tracks the continued role of digital systems in business activity. As B2B purchasing moves across ecommerce, marketplaces, sales representatives, and self-service portals, connected credit and payment workflows become increasingly important.
Resolve Pay’s AR capabilities extend beyond financing. The platform can automate and coordinate work across credit review, invoicing, payment reminders, collections, and reconciliation.
Its AI-supported workflows can help finance teams manage:
This centralized approach reduces the need to move information among separate credit, invoicing, payment, and collection systems. It also gives finance teams a more consistent view of buyer credit, outstanding invoices, and payment activity.
Resolve Pay is especially relevant for established North American B2B businesses that:
Merchants can also use Resolve Pay’s ecommerce net terms capabilities to embed credit applications and payment terms into digital purchasing journeys.
Balance Payments is oriented toward businesses that want payment functionality embedded inside a broader platform. Rather than operating only as a conventional invoice-financing provider, it supports companies building payment experiences into marketplaces, procurement environments, and other digital business models.
Balance Payments may be appropriate when a business has a platform-led operating model, substantial technical resources, and requirements that extend beyond a standard supplier-to-buyer invoice workflow.
Slope supports wholesalers, marketplaces, platforms, and software companies that want to offer business financing or enhance an existing credit program. Its infrastructure can be embedded into purchasing and payment journeys through APIs or lower-code implementation options.
Slope’s platform is relevant for businesses that want business credit infrastructure as part of a customized product or marketplace experience.
Resolve Pay is the favorable choice for manufacturers, distributors, wholesalers, and other suppliers that want more than a financing widget. Its platform is organized around the merchant’s complete receivables lifecycle, from evaluating a buyer to receiving and reconciling payment.
The main advantages include:
Resolve Pay also provides a modern factoring alternative for sellers that want upfront cash flow without relying on a traditional invoice-sale process. Its combination of embedded credit, non-recourse advances, payments, and automation allows net terms to function as a growth tool rather than a recurring operational burden.
Customer examples demonstrate how this model can support expansion. SS&SI used Resolve Pay while scaling its dealer network and reported substantial revenue growth through its customer growth story. Outcomes vary by business, but the case illustrates how net terms and advance payment can support growth when suppliers must serve buyers with different purchasing cycles.
Non-recourse financing means the provider assumes the agreed credit risk associated with an approved transaction. With Resolve Pay, merchants keep the advance received on an approved invoice even if the approved buyer later defaults, subject to program terms. This helps sellers offer payment flexibility without carrying the same buyer nonpayment exposure as self-managed trade credit.
Resolve Pay can advance funds on eligible approved invoices before the buyer’s payment term expires. The buyer receives the approved time to pay, while the merchant can use the advance for inventory, payroll, supplier obligations, or growth. This converts qualifying receivables into more predictable near-term cash flow.
Yes. Resolve Pay supports integrations with accounting, ERP, and ecommerce systems including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. APIs are also available for custom implementations and more specialized transaction workflows.
Resolve Pay is designed primarily for established B2B manufacturers, distributors, wholesalers, ecommerce sellers, and service providers that invoice business customers. It is particularly useful for companies that want to offer payment terms, receive advance payment on approved invoices, automate AR work, and reduce credit exposure.
Resolve Pay supports payment collection through ACH, credit card, wire transfer, and check. Its B2B payments platform also helps coordinate invoice delivery, payment reminders, collections workflows, transaction matching, and reconciliation, giving merchants a more complete system for managing receivables.
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.