Oct 01, 2026
Selecting the right B2B financing solution can shape your company's cash flow trajectory and operational efficiency. While Behalf operated as a buyer-side purchase financing platform before ceasing operations in January 2023, and OnDeck provides traditional small business loans backed by personal guarantees, Resolve Pay delivers a comprehensive supplier-side platform combining non-recourse net terms financing, AR automation, and AI-powered credit decisioning. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers select the approach that aligns with their working capital needs and growth objectives.
Key Takeaways
- Resolve Pay offers non-recourse financing on eligible approved invoices, helping sellers reduce exposure to covered buyer credit defaults, while OnDeck uses borrower-based lending backed by personal guarantees
- Behalf ceased operations in January 2023 with no public explanation, leaving businesses that relied on buyer-side purchase financing without an alternative in that specific category
- Resolve Pay serves over 15,000 businesses with a comprehensive platform that combines net terms, AR automation, and collections management in a single solution
- OnDeck provides term loans and revolving lines of credit, with available funding determined by borrower qualification and underwriting
- Resolve Pay's AR automation capabilities automate invoicing, reconciliation, payment reminders, and other receivables workflows
- Resolve Pay integrates natively with major e-commerce platforms including Shopify, BigCommerce, WooCommerce, and Magento, enabling net terms directly at checkout
Understanding B2B Financing: What Are Small Business Loans and Net Terms?
The B2B financing landscape encompasses distinct approaches to helping businesses manage cash flow and extend credit to customers. Understanding the fundamental differences between these models helps revenue leaders select solutions aligned with their operational needs.
The Role of Net Terms in B2B Commerce
Net terms represent deferred payment arrangements where buyers receive goods or services and pay within a specified period, typically Net 30, Net 60, or Net 90 days. For suppliers, offering net terms creates competitive advantage but traditionally required:
- Tying up working capital while waiting for payment
- Managing credit risk assessment internally
- Handling collections and payment follow-up
- Accepting potential bad debt losses
Modern net terms financing solutions address these challenges by advancing invoice payments to sellers while managing buyer credit assessment and collections. The distinction lies in whether the financing provider assumes the credit risk (non-recourse) or passes default risk back to the seller (recourse).
Resolve Pay operates on the non-recourse model for eligible approved invoices, transferring covered buyer credit risk away from the seller. OnDeck provides recourse financing, where the borrowing business remains liable for repayment regardless of customer payment behavior. Behalf historically focused on buyer-side purchase financing but ceased operations in January 2023.
How Small Business Loans Support Growth
Traditional small business loans provide unrestricted capital that businesses can use for inventory, equipment, payroll, expansion, or any operational purpose. These loans typically:
- Require personal guarantees from business owners
- Carry interest rates based on borrower creditworthiness
- Demand regular repayment regardless of customer payment timing
- Create debt obligations independent of specific transactions
The core distinction between net terms financing and traditional loans centers on purpose and risk structure. Resolve Pay's net terms financing links directly to customer transactions and can transfer credit risk to the financing provider on eligible approved invoices. OnDeck's traditional loans create general obligations that the borrower must repay according to the loan agreement.
Resolve Pay: Non-Recourse Net Terms, AR Automation, and AI Credit Engine for B2B Sellers
Resolve Pay operates as a B2B payments platform specifically designed for manufacturers, distributors, and wholesalers offering net payment terms to business buyers. The platform combines several integrated capabilities that address the full accounts receivable lifecycle.
Resolve Pay's Non-Recourse Model
The non-recourse financing structure represents Resolve Pay's core differentiator. When Resolve Pay approves a buyer for credit and advances payment on an invoice, the seller receives cash within one to two business days and keeps that advance even if the approved buyer defaults for covered credit reasons.
Key characteristics of Resolve Pay's approach include:
- Advance Pay on eligible approved invoices
- Net 30, 60, and 90 day terms with custom options available
- No personal guarantee required from sellers
- Competitive pricing with transparent fee structures
- Buyer-based underwriting that qualifies deals based on customer creditworthiness rather than seller credit history
This model particularly benefits growing businesses that may have limited credit history themselves but sell to creditworthy business customers.
Automating Accounts Receivable with Resolve Pay
Beyond financing, Resolve Pay provides comprehensive AR automation that transforms manual receivables processes:
- Automated invoice generation synced from ERP and accounting systems
- Smart payment reconciliation using machine learning to match payments to invoices
- Real-time AR dashboards showing DSO, aging, and portfolio health metrics
- Automated bookkeeping sync with QuickBooks, Xero, Sage Intacct, and NetSuite
Trenchless Supply reported a substantial reduction in work required from its team after Resolve automated a two-way integration.
AI-Powered Credit Decisions and Dynamic Lines
The proprietary AI credit engine evaluates thousands of buyer data points including:
- Cash flow trends and payment history
- Behavioral signals and business health indicators
- Real-time company and market data
Credit decisions arrive in under 24 hours, with instant approvals available for certain purchase amounts. The system provides quiet credit checks that do not notify buyers or impact their credit scores, maintaining positive customer relationships throughout the process.
Resolve Pay's proprietary AI models use buyer data, including cash flow trends, payment history, and behavioral signals, to generate dynamic credit decisions and recommended credit limits.
E-commerce and ERP Integration
Resolve Pay offers native integrations enabling seamless workflows:
E-commerce platforms:
- Shopify
- BigCommerce
- WooCommerce
- Magento 2
Accounting and ERP systems:
- QuickBooks Online
- Xero
- Sage Intacct
- Oracle NetSuite
Resolve Pay supports automated syncing across its supported ERP, accounting, and ecommerce integrations. The exact data flows and supported actions vary by connected system, while API options are available for custom workflows. The integration capabilities support both online and offline sales channels.
Agentic Collections
Resolve Pay's agentic collections feature uses AI to manage payment follow-up across multiple channels including email, SMS, and voice. The system:
- Sequences outreach based on invoice aging
- Adapts communication based on buyer response patterns
- Preserves customer relationships with professional, friendly tone
- Logs all interactions automatically to invoice records
This automation handles routine collections work while escalating complex situations appropriately.
Behalf: Buyer-Side Purchase Financing (Defunct)
Behalf operated as a B2B financing platform focused on the buyer side of transactions, enabling business purchases with deferred payment terms. The company ceased operations in January 2023 and is no longer available as an active buyer-side purchase financing platform.
Historical Behalf Offerings
Before closure, Behalf provided:
- Net terms from 30 to 180 days for qualified business buyers
- Purchase financing that enabled buyers to acquire goods and pay over time
- Vendor payment services facilitating transactions between buyers and suppliers
- Credit limits for approved business purchasers
The platform positioned itself differently from Resolve Pay by focusing on buyer needs rather than supplier cash flow optimization.
Behalf's Current Status
Because Behalf is no longer operating, current comparisons should treat it as a historical buyer-side financing platform rather than an available option. For businesses that previously relied on Behalf for buyer-side financing, alternative solutions now require evaluating supplier-focused platforms like Resolve Pay that address the other side of the transaction, or traditional business credit arrangements.
OnDeck: Diverse Small Business Loans and Lines of Credit
OnDeck operates as a small business lender providing term loans and lines of credit for general business purposes. Founded in 2006, the company has funded billions in small business loans and represents a traditional lending approach rather than invoice-based financing.
OnDeck's Term Loan Options
OnDeck provides term loans with the following characteristics:
- Term loan amounts determined by qualification
- Repayment terms of up to 24 months with daily or weekly payment schedules
- Same-day funding available for approved applicants
- Alternative underwriting considering factors beyond traditional credit scores
OnDeck's loan structure differs fundamentally from net terms financing. Borrowers receive lump sum capital and must repay according to schedule based on the lending agreement.
OnDeck's Line of Credit
The revolving line of credit product offers:
- Revolving credit limits determined by qualification
- Draw and repay flexibility as capital needs fluctuate
- Interest charged only on drawn amounts
OnDeck's applicable fees and financing costs depend on the product, borrower profile, and approved terms.
OnDeck Pricing Considerations
OnDeck uses risk-based pricing, with applicable financing costs determined by the product, borrower profile, and underwriting decision. Personal guarantees are required for OnDeck loans, meaning business owners bear personal liability for repayment obligations.
Comparing Funding Speed, Credit Risk, and Automation Features
The fundamental differences between these platforms become clear when examining key operational factors that affect day-to-day business operations.
Resolve Pay's Fast Funding vs. Traditional Loans
Resolve Pay funding timeline:
- Credit decisions in under 24 hours (instant for qualifying amounts)
- Cash advances within 1 to 2 business days
- Ongoing funding available as new invoices are submitted
OnDeck funding timeline:
- Same-day funding available for approved applicants
- Approval process varies based on application completeness
- One-time disbursement per loan (not invoice-based)
Behalf timeline:
- No longer available (ceased operations January 2023)
While both active platforms can provide fast access to capital, the structural difference matters: Resolve Pay funding ties to specific invoices and customer transactions, while OnDeck provides general working capital through term loans or revolving credit lines.
Who Bears the Credit Risk
The risk structure represents the most significant operational difference:
Resolve Pay:
- Non-recourse financing on eligible approved invoices
- Seller keeps advance for covered buyer credit defaults
- Credit risk transfers to Resolve Pay for covered reasons
- No personal guarantee required
OnDeck:
- Borrower-based lending
- Personal guarantee required from business owners
- Borrower responsible for repayment according to loan agreement
- Business owner personally liable per guarantee terms
This distinction dramatically affects business owner personal risk exposure and financial planning.
Automation's Impact on Efficiency
Resolve Pay automation capabilities:
- Complete AR automation suite
- Automated invoice generation and payment reminders
- ML-powered payment matching and reconciliation
- Agentic collections across email, SMS, and voice
- Two-way ERP sync automating data flows
OnDeck's digital lending workflow:
- Online application process
- Electronic fund transfers
- Borrower-focused loan servicing
- Term loan and revolving line of credit management
Behalf automation (historical):
- Buyer-side purchase financing workflows
- Standard application processing
- Vendor payment functionality
For businesses managing ongoing customer relationships and multiple invoices, Resolve Pay's automation delivers operational efficiency by combining financing with comprehensive AR workflows.
Comparing Target Markets and Use Cases
Different business models and growth stages align better with different financing approaches.
Resolve Pay for B2B Manufacturers and Distributors
Resolve Pay serves mid-market B2B sellers, typically with annual revenue above entry thresholds, across industries including:
- HVAC parts distribution
- Electrical and plumbing supplies
- Industrial fasteners and hardware
- Medical device distribution
- Construction materials supply
- Foodservice equipment
The platform particularly benefits companies that:
- Sell to business customers requesting net terms
- Want to reduce exposure to credit risk on approved transactions
- Need to reduce AR overhead and manual collections work
- Require integration with e-commerce platforms
- Seek to improve DSO without aggressive collection tactics
Customer stories show how Resolve Pay can support growth and receivables efficiency. Archipelago Lighting tripled revenue while reducing its credit-decision turnaround from as long as 10 business days to 24 hours. ConEquip reported year-over-year growth after expanding its net terms program. Trenchless Supply reported a substantial reduction in work required from its team after Resolve automated a two-way integration.
OnDeck's General Business Lending Model
OnDeck provides general-purpose business financing that can be used for expenses such as:
- Inventory purchases
- Equipment acquisition
- Payroll
- General working capital
- Business expansion
Its underwriting evaluates the borrowing business and structures financing as a term loan or revolving line of credit. This differs from Resolve Pay's transaction-based model, which centers on B2B buyer credit, approved invoices, net terms, and accounts receivable workflows.
Behalf for Direct Purchasing (No Longer Available)
Behalf historically served businesses needing buyer-side financing for purchases and extended payment terms as a buyer rather than seller. Behalf ceased operations in January 2023 and is no longer available as an active buyer-side purchase financing platform.
Navigating Approvals: Credit Engine, Underwriting, and Eligibility
The approval process significantly affects which businesses can access each platform.
Resolve Pay's AI-Powered Real-time Approvals
Resolve Pay's credit engine focuses on buyer qualification rather than seller evaluation:
- Evaluates buyer creditworthiness using thousands of data points
- Provides decisions in under 24 hours with instant approvals for qualifying purchases
- Uses quiet credit checks that do not affect buyer credit scores
- Offers dynamic credit decisions informed by positive payment history
- Eliminates manual trade reference calls and spreadsheet tracking
This buyer-focused approach enables businesses with limited credit history to offer net terms as long as their customers qualify.
OnDeck's Loan Application Requirements
OnDeck evaluates the borrowing business directly:
- Time in business considered in qualification
- Annual revenue thresholds evaluated
- Business and personal credit scores considered
- Bank account and financial statement review
- Personal guarantee required from owners
The traditional underwriting approach means qualification depends on the borrowing business's financial profile and creditworthiness.
Integration and Ecosystem: Connecting with Your Business
Technology integration affects implementation complexity and ongoing operational efficiency.
Resolve Pay's Extensive E-commerce and ERP Integrations
Resolve Pay provides native connections enabling:
E-commerce checkout embedding:
- Shopify integration with net terms at checkout
- BigCommerce native app (2025 Innovative Integration Award winner)
- WooCommerce plugin for WordPress stores
- Magento 2 extension for enterprise e-commerce
Accounting system sync:
- QuickBooks Online two-way integration
- Xero automated reconciliation
- Sage Intacct enterprise connection
- NetSuite ERP sync
API capabilities:
- REST API for custom integrations
- Webhooks for real-time data flow
- Sandbox environment for development
- Documentation at docs.resolvepay.com
Implementation typically completes in under one week for standard integrations.
OnDeck's Lending Workflow
OnDeck operates as a small business lending platform:
- Online loan application portal
- Electronic fund transfer for disbursement
- Term loan servicing
- Revolving line of credit management
OnDeck's lending workflow is centered on financing the borrowing business, while Resolve Pay connects financing with buyer credit, invoices, payments, reconciliation, and collections.
Comparing Resolve Pay, Behalf, and OnDeck by Financing Model
These platforms represent different financing models. Resolve Pay focuses on supplier-side net terms and accounts receivable workflows, OnDeck provides direct small business lending, and Behalf historically focused on buyer-side purchase financing.
Resolve Pay's Comprehensive Platform for B2B Sellers
Resolve Pay addresses businesses that:
- Sell to other businesses requesting payment terms
- Want to reduce exposure to bad debt risk on approved customers
- Need faster access to invoice cash without increasing personal liability
- Require AR automation to reduce operational overhead
- Value integration with existing e-commerce and accounting systems
- Seek to improve DSO while maintaining positive customer relationships
Resolve Pay delivers these capabilities in an integrated platform with roots in Affirm's B2B initiative and team expertise from companies including Amazon and PayPal. Resolve Pay also states that it is SOC 2 Type II attested and independently audited.
How OnDeck's Lending Model Differs
OnDeck provides general-purpose business financing through term loans and revolving lines of credit. Qualification focuses on the borrowing business, and approved borrowers repay according to the applicable lending agreement.
Resolve Pay addresses a different workflow by combining B2B net terms, buyer credit decisioning, approved invoice financing, accounts receivable automation, payments, and collections.
Behalf's Historical Role
Behalf is no longer an option. The platform ceased operations in January 2023, and no replacement service was announced. Behalf's closure means it should be treated as a historical reference rather than a currently available financing platform.
Why Resolve Pay for B2B Net Terms and AR Management
For B2B suppliers seeking to offer competitive net terms while protecting cash flow and reducing exposure to covered approved-buyer credit defaults, Resolve Pay brings financing, credit decisioning, AR automation, payments, and collections into one supplier-focused platform. The combination of:
- Non-recourse financing on eligible approved invoices
- Complete AR automation designed to reduce manual work
- AI-powered credit decisioning with sub-24-hour approvals
- Native e-commerce and ERP integrations
- Multi-channel payment acceptance including ACH, wire, credit card, and check
This makes Resolve Pay particularly relevant for manufacturers, distributors, and wholesalers that want to scale B2B sales while improving cash-flow predictability and streamlining receivables management.
Frequently Asked Questions
What is the main difference between non-recourse and recourse financing?
Non-recourse financing can shift covered approved-buyer credit risk away from the seller, subject to the provider's program terms and exclusions. With Resolve Pay, eligible approved invoice advances are structured as non-recourse financing for covered buyer credit defaults. Recourse financing generally allows the financing provider to seek repayment from the financed business when the underlying obligation is not paid.
How quickly can Resolve Pay provide funding compared to traditional invoice factoring?
Resolve Pay delivers credit decisions in under 24 hours with instant approvals available for qualifying purchase amounts. Cash advances arrive within 1 to 2 business days after approval. The AI-powered credit engine evaluates thousands of data points to make rapid, accurate decisions without lengthy manual review processes.
Can Resolve Pay help businesses offer net terms to their customers without incurring credit risk?
Yes, this capability represents Resolve Pay's core value proposition. Sellers can offer Net 30, 60, or 90 day terms to qualified business buyers while receiving cash advances within 1 to 2 days. Resolve Pay conducts the credit assessment, advances funds, handles collections, and bears the covered default risk on eligible approved invoices.
How does Resolve Pay's AI Credit Engine work, and does it impact my buyers' credit scores?
Resolve Pay uses quiet credit checks that do not notify buyers or impact their credit scores. The AI credit engine evaluates thousands of data points including cash flow trends, payment history, behavioral signals, and real-time company data to assess buyer creditworthiness. This approach maintains positive customer relationships since buyers are not subjected to hard credit inquiries.
How does Resolve Pay support the full accounts receivable workflow?
Resolve Pay combines buyer credit decisioning, net terms, approved invoice financing, invoicing, payment reconciliation, payment reminders, collections workflows, and payment acceptance in one B2B platform. This allows sellers to manage the credit-to-cash process while giving qualified buyers flexible payment terms.
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.
