Selecting the right B2B net terms financing platform determines whether your business can offer competitive payment terms without straining cash flow or taking on credit risk. While Behalf ceased operations in January 2023 and Kriya focuses primarily on UK markets, Resolve Pay delivers comprehensive non-recourse net terms financing with integrated AR automation for North American manufacturers, distributors, and wholesalers. Understanding these fundamental differences between active platforms, geographic focus, and operational models helps mid-market B2B sellers choose the solution that matches their growth objectives and market requirements.
The B2B net terms financing market encompasses distinct categories serving different operational models, geographic markets, and business objectives.
Seller-Centric Non-Recourse Platforms like Resolve Pay enable manufacturers and distributors to offer Net 30, 60, or 90 payment terms to business buyers while receiving immediate cash advances. The platform assumes credit risk on approved invoices, meaning sellers never face liability for approved buyer defaults. This model optimizes for supplier cash flow and risk transfer while maintaining customer relationships through white-labeled payment experiences.
Buyer-Side Financing Models represented by the now-defunct Behalf operated differently, providing credit directly to buyers at point of purchase. While this approach offered extended terms to buyers, it positioned the financing relationship between the lender and the buyer rather than integrating with seller workflows. Behalf's January 2023 closure highlighted operational considerations when evaluating platform stability.
Regional B2B BNPL Providers like Kriya serve specific geographic markets with embedded PayLater solutions. Kriya's UK focus, regulatory expertise, and Allica Bank backing position it for British businesses. However, this geographic specialization means US and Canadian sellers typically evaluate alternatives optimized for North American compliance, payment methods, and underwriting models.
The fundamental distinction lies in who controls the customer relationship and who bears the risk. Resolve Pay's seller-centric, non-recourse approach keeps sellers in control of their buyer relationships while transferring approved credit risk entirely off their balance sheets.
Resolve Pay operates as a comprehensive B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms (Net 30/60/90) to business buyers while receiving immediate cash and offloading credit risk. Rather than functioning as a point solution, the platform combines credit decisioning, net terms financing, AR automation, and collections in a single integrated system.
The non-recourse financing model distinguishes Resolve Pay from traditional factoring and buyer-side financing. When a buyer receives approval for net terms, Resolve Pay advances up to 90-100% of invoice value within 1-2 business days. If an approved buyer fails to pay, the seller faces no liability. This credit risk transfer fundamentally changes how mid-market B2B companies can approach their trade credit strategy.
The proprietary AI credit engine evaluates buyer creditworthiness using thousands of data points including:
Credit decisions arrive within 24 hours, with instant approvals available for qualifying purchases. The system performs quiet credit checks that do not notify buyers or impact their credit scores. Dynamic credit lines adjust based on payment history, meaning reliable buyers see their purchasing capacity grow over time.
Beyond financing, Resolve Pay delivers end-to-end accounts receivable automation that customers report reduces AR workload by up to 90%. The platform automates invoice generation synced from ERP and accounting systems, smart payment reconciliation using machine learning to match invoice-to-cash automatically, real-time AR dashboards showing DSO and aging metrics, and automated bookkeeping sync to QuickBooks, Xero, Sage Intacct, and NetSuite.
The agentic collections capability uses multi-channel automated sequences including email, SMS, and voice AI to follow up on outstanding invoices. Intelligent escalation adapts based on buyer response and payment history. The system pauses automatically when payments or disputes arrive, logging all interactions to invoice records. This automation preserves customer relationships through professional communication while reducing days sales outstanding.
The B2B payment portal provides buyers with a branded dashboard showing all invoices, credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check. Buyers can access self-serve payment plans and dispute flagging through a secure, mobile-responsive interface.
Resolve Pay states that its platform is SOC 2 Type II attested and independently audited. Its broader platform combines credit decisioning, receivables automation, payments, integrations, and collections for B2B commerce. The platform was built by former executives from Affirm, Amazon, and PayPal who brought consumer fintech security standards to B2B operations.
Resolve Pay serves mid-market B2B sellers (typically $1M+ annual revenue) in manufacturing, wholesale distribution, and supply industries, including:
Behalf operated as a buyer-side B2B financing platform from 2011 until its January 2023 shutdown. The company had raised approximately $325 million in total funding including a $100 million debt facility in 2021, positioning it as a significant player in the B2B BNPL space before its closure.
The platform's model differed fundamentally from seller-centric solutions. Rather than advancing funds to sellers against invoices, Behalf extended credit directly to buyers at the point of purchase. This approach offered Net 30 to Net 180 payment terms but placed the financing relationship between Behalf and the buyer rather than integrating with seller workflows and AR processes.
Behalf froze new credit approvals in 2022, signaling operational challenges before the formal shutdown. The company laid off most staff before ceasing operations entirely in January 2023. The shutdown occurred without an official public statement explaining the closure, leaving customers and partners with limited information about transition options.
Former Behalf customers faced challenges finding replacement solutions, particularly those who had built their trade credit processes around the buyer-side model. For businesses researching B2B net terms solutions today, Behalf represents a historical reference rather than a current alternative. The platform ceased all operations in January 2023 and is no longer accepting new customers or processing transactions.
Kriya operates as a UK-based B2B payments and financing platform, having advanced over $5 billion in credit since its 2011 founding (originally as MarketInvoice). The platform offers multiple products including PayLater for embedded checkout financing, invoice finance for immediate working capital, and working capital loans for broader business needs.
In October 2025, Allica Bank acquired 100% of Kriya, bringing enhanced financial stability and plans to deploy approximately $1.3 billion in working capital over the following three years. This acquisition strengthens Kriya's position in the UK market while providing balance sheet backing for its financing operations.
Kriya's product suite includes several distinct solutions:
Embedded PayLater enables UK merchants to offer Net 30, 60, or 90 terms at checkout with Kriya handling credit risk on approved transactions. The September 2024 Stripe integration allows UK merchants using Stripe to add PayLater capabilities directly in their checkout flow.
Invoice Finance provides traditional invoice financing allowing businesses to access up to 90% of invoice value within 24 hours. This product operates separately from the PayLater offering and serves businesses seeking immediate working capital against existing receivables.
Working Capital Loans offer broader financing for business expansion, inventory, and operational needs beyond invoice-specific funding.
Kriya's primary focus remains the UK market, with regulatory expertise, GBP transaction processing, and local underwriting models optimized for British businesses. The platform maintains a 4.3 out of 5 rating on TrustPilot based on 583 reviews, with customers noting processing simplicity and cash flow management capabilities.
For US and Canadian B2B sellers, Kriya's UK focus means underwriting models optimized for UK business credit data and regulatory frameworks, payment methods and banking integrations designed for UK financial infrastructure, and currency and compliance structures built around British market requirements.
Resolve Pay operates actively and continues growing its North American B2B seller base, while Behalf ceased operations in January 2023 and Kriya maintains active operations under Allica Bank ownership with UK market focus. The geographic positioning differs significantly: Resolve Pay focuses on United States and Canadian markets, Behalf historically served US businesses, and Kriya concentrates on the United Kingdom.
Resolve Pay provides non-recourse financing at 100% on approved invoices, advancing up to 90-100% of invoice value within 1-2 business days. Behalf operated a buyer-side loan model that positioned financing between the lender and buyer rather than as seller infrastructure. Kriya offers non-recourse financing on approved transactions with advances up to 90% and 24-hour funding for invoice finance products.
All three platforms offer multiple net terms options: Resolve Pay provides Net 30, 60, 90 with additional options depending on the program; Behalf historically offered Net 30-180; and Kriya provides Net 30, 60, 90 for UK merchants.
Resolve Pay's AI credit decisioning delivers decisions in 30 seconds to 48 hours using thousands of data points including cash flow trends and behavioral signals. Behalf used traditional underwriting approaches, while Kriya employs traditional underwriting methods for its UK market.
AR automation represents a significant differentiator. Resolve Pay includes a complete platform with reconciliation, automated collections using multi-channel agentic AI, and white-labeled portal experiences. Behalf did not provide AR automation as part of its buyer-side model, and Kriya's automation capabilities vary by product.
Resolve Pay integrates with Shopify, BigCommerce (2025 Innovation Award winner), WooCommerce, Magento for eCommerce, plus QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite for accounting and ERP systems. These integrations support connected invoice, payment, reconciliation, and receivables workflows.
Behalf provided basic integrations during its operation, while Kriya offers API-based connections and select plugins for its UK-focused merchant base. The depth of two-way sync and automated reconciliation capabilities differs across platforms, with Resolve Pay emphasizing integrated receivables workflows.
Resolve Pay states that its platform is SOC 2 Type II attested and independently audited, with integrated controls across credit, payments, and receivables workflows. Kriya complies with GDPR and UK regulatory requirements as mandated for British operations. Behalf's historical compliance status was not prominently disclosed before closure.
Resolve Pay customers report measurable business impact across multiple dimensions:
Revenue Growth:
Operational Efficiency:
Cash Flow Impact:
Resolve Pay maintains a 5.0 out of 5 rating on G2 with consistent feedback regarding customer support, ease of use, and fast credit approvals. The platform received a 10.0 out of 10 score in G2's credit and collections evaluation.
Kriya holds a 4.3 out of 5 rating on TrustPilot with 583 reviews from its UK customer base. Behalf's review data is no longer relevant given the platform's closure.
Businesses that previously used Behalf's buyer-side financing face unique considerations when evaluating alternatives. The transition involves shifting from buyer-centric to seller-centric financing models.
Key transition steps include:
Most implementations complete within 2-4 weeks for standard integrations, with native eCommerce integrations deploying more quickly and ERP integrations typically requiring 2-4 weeks for full workflow connection.
US and Canadian businesses researching UK-focused platforms should consider several evaluation questions:
For North American Operations: Resolve Pay provides integrated net terms, credit decisioning, payments, AR automation, and connections to common eCommerce and accounting systems.
For North American B2B Operations: Resolve Pay brings net terms, credit decisioning, invoice advancement, payments, collections, and AR automation into one platform designed around B2B seller workflows.
Resolve Pay is designed for B2B sellers that want to bring credit decisioning, net terms, invoice advancement, payments, collections, reconciliation, and AR automation into one connected workflow.
This approach is particularly relevant for manufacturers, wholesalers, distributors, and other established B2B suppliers that want to:
The platform serves mid-market B2B operations with complete AR automation, AI-powered credit decisions, non-recourse financing, and integrated payments that work together rather than as separate products.
Behalf is included in this comparison only as historical context because it ceased operations in January 2023. Kriya represents a different regional and product approach, while Resolve Pay focuses on integrated B2B credit-to-cash workflows for its target market.
Traditional factoring typically involves recourse provisions where sellers remain liable if buyers fail to pay. Resolve Pay's non-recourse model transfers 100% of credit risk on approved invoices to Resolve Pay. If an approved buyer defaults, the seller faces no liability and keeps the advance, eliminating bad debt expense while enabling more aggressive net terms strategies.
Yes, Resolve Pay integrates with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. These integrations support connected invoice, payment, reconciliation, and receivables workflows, with implementation requirements varying by system and configuration. The platform also connects with Shopify, BigCommerce, WooCommerce, and Magento for eCommerce operations.
Resolve Pay's AI credit engine delivers credit decisions within 24 hours, with instant approvals available for qualifying purchases. The system evaluates thousands of data points including cash flow trends and payment history. Quiet credit checks do not notify buyers or impact their credit scores. Customers like Archipelago Lighting report reducing approval times from 10 days to 24 hours.
Resolve Pay's AR automation platform includes automated invoice generation synced from ERP systems, smart payment reconciliation using machine learning, real-time AR dashboards showing DSO and aging, and automated bookkeeping sync. The agentic collections capability uses multi-channel AI-powered sequences to follow up on outstanding invoices while preserving customer relationships. Customers report up to 90% reduction in manual AR workload.
Resolve Pay is primarily positioned for North American B2B sellers, including manufacturers, wholesalers, distributors, and other established suppliers that want to offer net terms while connecting credit, payments, invoice advancement, collections, and AR automation. The platform focuses on US and Canadian markets with domestic underwriting, payment methods, and compliance frameworks optimized for North American business operations.
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.