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.
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.
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:
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.
Traditional small business loans provide unrestricted capital that businesses can use for inventory, equipment, payroll, expansion, or any operational purpose. These loans typically:
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 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.
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:
This model particularly benefits growing businesses that may have limited credit history themselves but sell to creditworthy business customers.
Beyond financing, Resolve Pay provides comprehensive AR automation that transforms manual receivables processes:
Trenchless Supply reported a substantial reduction in work required from its team after Resolve automated a two-way integration.
The proprietary AI credit engine evaluates thousands of buyer data points including:
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.
Resolve Pay offers native integrations enabling seamless workflows:
E-commerce platforms:
Accounting and ERP systems:
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.
Resolve Pay's agentic collections feature uses AI to manage payment follow-up across multiple channels including email, SMS, and voice. The system:
This automation handles routine collections work while escalating complex situations appropriately.
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.
Before closure, Behalf provided:
The platform positioned itself differently from Resolve Pay by focusing on buyer needs rather than supplier cash flow optimization.
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 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 provides term loans with the following characteristics:
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.
The revolving line of credit product offers:
OnDeck's applicable fees and financing costs depend on the product, borrower profile, and approved terms.
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.
The fundamental differences between these platforms become clear when examining key operational factors that affect day-to-day business operations.
Resolve Pay funding timeline:
OnDeck funding timeline:
Behalf timeline:
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.
The risk structure represents the most significant operational difference:
Resolve Pay:
OnDeck:
This distinction dramatically affects business owner personal risk exposure and financial planning.
Resolve Pay automation capabilities:
OnDeck's digital lending workflow:
Behalf automation (historical):
For businesses managing ongoing customer relationships and multiple invoices, Resolve Pay's automation delivers operational efficiency by combining financing with comprehensive AR workflows.
Different business models and growth stages align better with different financing approaches.
Resolve Pay serves mid-market B2B sellers, typically with annual revenue above entry thresholds, across industries including:
The platform particularly benefits companies that:
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 provides general-purpose business financing that can be used for expenses such as:
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 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.
The approval process significantly affects which businesses can access each platform.
Resolve Pay's credit engine focuses on buyer qualification rather than seller evaluation:
This buyer-focused approach enables businesses with limited credit history to offer net terms as long as their customers qualify.
OnDeck evaluates the borrowing business directly:
The traditional underwriting approach means qualification depends on the borrowing business's financial profile and creditworthiness.
Technology integration affects implementation complexity and ongoing operational efficiency.
Resolve Pay provides native connections enabling:
E-commerce checkout embedding:
Accounting system sync:
API capabilities:
Implementation typically completes in under one week for standard integrations.
OnDeck operates as a small business lending platform:
OnDeck's lending workflow is centered on financing the borrowing business, while Resolve Pay connects financing with buyer credit, invoices, payments, reconciliation, and collections.
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 addresses businesses that:
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.
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 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.
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:
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.
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.
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.
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.
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.
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.