Sep 18, 2026
Selecting the right B2B payment solution can determine whether your business maintains healthy cash flow or struggles with tied-up capital and credit risk. The B2B payments landscape includes distinct solution categories, each designed for different business objectives and operational models. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers choose the approach that aligns with their operational needs, growth objectives, and risk tolerance.
Resolve Pay delivers non-recourse net terms financing with complete AR automation for mid-market B2B sellers. BlueVine provides business banking services including checking accounts and working capital access. Apruve, now fully integrated into TreviPay following a December 2022 acquisition, provides managed B2B payments and trade credit programs for organizations with varying requirements.
Key Takeaways
- Resolve Pay provides non-recourse advances on eligible approved invoices, managing the buyer credit assessment and assuming applicable non-payment risk, while BlueVine offers business banking with working capital financing and TreviPay provides managed B2B payment programs
- Resolve Pay serves 15,000+ B2B businesses and combines AR automation with credit decisioning and net terms financing, advancing up to 90% of eligible approved invoice value within 24 hours
- Implementation timelines differ significantly: Resolve Pay launches in days to two weeks with most teams live in under one week, BlueVine account opening completes quickly for qualified applicants, while TreviPay implementation varies from weeks to several months based on program complexity
- Resolve Pay's AI Credit Engine delivers buyer credit decisions quickly, with some workflows generating real-time approvals and ecommerce applicants typically receiving responses within hours or within a day
- Complete AR automation comes integrated with Resolve Pay, with customers reporting up to 90% reduction in manual AR work through automated invoicing, reconciliation, payment workflows, and collections
- Resolve Pay integrates natively with Shopify, BigCommerce (2025 Innovative Integration Award winner), WooCommerce, and Magento, plus ERP systems including QuickBooks, NetSuite, Xero, and Sage Intacct
- Customer outcomes demonstrate Resolve Pay's impact: Archipelago Lighting achieved 3x revenue growth, Trenchless Supply reduced AR workload by 90%, and Elston Materials increased margins from 25% to 30%
Understanding B2B Payment Solutions
B2B payment platforms fall into three primary categories based on their core functionality and target market.
Net Terms Financing Platforms
Net terms financing platforms enable sellers to offer deferred payment terms (Net 30/60/90) to business buyers while receiving immediate cash advances. These platforms:
- Manage credit risk through buyer evaluation and approval
- Handle collections and customer payment processing
- Automate accounts receivable workflows
- Provide non-recourse or managed-risk structures
The value proposition centers on improving seller cash flow while reducing exposure to customer non-payment.
Business Banking Solutions
Business banking platforms provide checking accounts, savings products, payment processing, and working capital credit lines. These platforms serve general business banking needs rather than specifically addressing B2B trade credit or invoice financing requirements. BlueVine operates in this category, offering business banking infrastructure with high-yield checking and lines of credit for qualified businesses.
Managed B2B Payment Programs
Managed B2B payment programs deliver invoicing, trade credit, accounts receivable automation, and settlement services. TreviPay operates in this space following its acquisition of Apruve in December 2022. At the time of that acquisition announcement, TreviPay reported processing $7 billion in transaction volume across 32 countries and 19 currencies. These solutions support organizations with complex payment, credit, and settlement requirements.
How Resolve Pay's Non-Recourse Model Works
Traditional invoice factoring requires sellers to retain liability if buyers default on payments. This recourse model means businesses remain financially exposed even after receiving advances. Resolve Pay takes a different approach with non-recourse financing.
The Mechanics of Non-Recourse Advances
Invoice factoring involves selling accounts receivable to a third party at a discount in exchange for immediate cash. Two primary models exist:
- Recourse Factoring: The seller must buy back or replace invoices if the buyer fails to pay, retaining default risk
- Non-Recourse Factoring: The financing provider assumes applicable default risk on approved invoices
Why Non-Recourse Matters for B2B Sellers
Non-recourse advances help reduce bad debt exposure from approved transactions. When Resolve Pay advances funds on an approved invoice, Resolve Pay manages the buyer credit assessment and assumes the applicable non-payment risk covered by the approved advance. According to Federal Reserve data on trade credit, nonfinancial businesses are major borrowers and lenders of trade credit, making credit risk management an important consideration for B2B sellers.
This structure enables businesses to:
- Offer competitive payment terms without the same balance sheet exposure
- Protect profit margins from customer defaults
- Scale sales to new customers while Resolve Pay manages buyer credit assessment
- Focus on growth rather than collections anxiety
Comparing Risk Models
Resolve Pay's non-recourse model works through the platform's AI Credit Engine, which evaluates buyer data including cash flow trends, payment history, and behavioral signals. Buyers who pass this evaluation receive approved credit lines. When sellers invoice these approved buyers, Resolve Pay can advance up to 90% of eligible approved invoice value within 24 hours and manages the applicable non-payment risk.
BlueVine's line of credit operates differently. Businesses borrow against a credit line and remain fully liable for repayment regardless of whether their customers pay invoices. This recourse debt structure places risk on the borrowing business. TreviPay can provide guaranteed settlement and credit-risk management within its managed B2B payment programs, with implementation requirements varying according to program complexity.
Streamlining Accounts Receivable with AR Automation
Manual accounts receivable management consumes significant resources while creating inconsistent customer experiences. Resolve Pay's AR automation platform addresses these challenges through AI-powered workflows.
Complete Invoice-to-Cash Automation
Resolve Pay automates the complete invoice-to-cash cycle:
- Invoice Generation: Automated creation synced from ERP and accounting systems
- Credit Decisioning: AI-powered buyer evaluation with rapid approvals
- Payment Reminders: Smart sequence automation based on buyer behavior
- Payment Processing: White-labeled portal accepting ACH, wire, credit card, and check
- Reconciliation: ML-powered matching that automatically connects payments to invoices
- Collections: Agentic collections using multi-channel outreach (email, SMS, voice AI)
Impact on Operational Efficiency
Customer-reported results demonstrate automation's impact:
- Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours
- Archipelago Lighting reduced net terms approval time from 10 days to 24 hours while offering 20x higher credit lines
- Manual invoice entry, reconciliation, and payment tracking eliminated through two-way ERP sync
BlueVine offers invoicing and payment-management capabilities within its business banking platform. TreviPay provides managed accounts receivable, invoicing, credit, collections, and settlement capabilities.
Technology Driving AR Improvements
Resolve Pay's technology stack includes:
- Smart Credit Engine: Proprietary AI evaluating buyer creditworthiness with quick decisions
- Two-Way ERP Sync: Automatic data flow with QuickBooks, Xero, Sage Intacct, and NetSuite
- Payment Reconciliation: Machine learning matches payments to invoices automatically
- Real-Time Dashboard: DSO, aging, and portfolio health visibility
B2B Buy Now Pay Later Capabilities
B2B Buy Now Pay Later (BNPL) enables sellers to offer deferred payment terms while receiving immediate payment. This capability transforms competitive positioning for manufacturers and distributors.
The Rise of B2B BNPL
Business buyers increasingly expect the same payment flexibility they experience in consumer transactions. Sellers offering Net 30/60/90 terms win orders over competitors requiring payment on delivery. Resolve Pay emerged as a spinout from Affirm, the consumer BNPL pioneer, translating consumer BNPL principles into B2B commerce with backing from executives who previously worked at Affirm, PayPal, and Amazon.
Benefits for Buyers and Sellers
Seller Benefits:
- Receive cash within 1-2 business days instead of waiting 30-90 days
- Reduce credit exposure through non-recourse advances on eligible approved invoices
- Offer competitive terms without cash flow strain
- Automate credit decisions and collections
Buyer Benefits:
- Access trade credit with streamlined application processes
- Preserve working capital for operations
- Build business credit through payment history
- Pay through convenient self-service portal
Implementing Flexible Payment Options
Resolve Pay's B2B Payment Portal provides white-labeled buyer experiences with branded dashboards showing invoices, credit lines, and payment history. Multiple payment rails include ACH, wire transfer, credit card, and check, with self-serve payment plans and dispute flagging through a mobile-responsive checkout experience.
Working Capital Optimization for B2B Sellers
Working capital determines operational capacity. The U.S. Small Business Administration notes that access to working capital helps small businesses fund orders and projects, manage cash flow, and pursue growth opportunities.
The Role of Working Capital
Working capital equals current assets minus current liabilities. For B2B sellers, accounts receivable often represent the largest current asset. When customers take 30-90 days to pay, cash remains trapped in receivables rather than available for operations.
Strategies for Improvement
Effective working capital optimization includes:
- Accelerating Receivables: Convert outstanding invoices to cash through net terms financing
- Extending Payables: Negotiate longer payment terms with suppliers
- Inventory Management: Reduce carrying costs through demand forecasting
- Cash Concentration: Centralize cash management for visibility and control
Accessing Working Capital Through Net Terms Financing
Resolve Pay's Advance Pay directly addresses the receivables challenge. Sellers receive up to 90% of eligible approved invoice value within 24 hours while buyers pay on Net 30/60/90 terms. This structure:
- Converts 30-90 day receivables to immediate cash
- Reduces exposure to customer non-payment through non-recourse advances
- Preserves customer relationships with professional collections
- Scales with sales volume automatically
BlueVine's working capital solutions include lines of credit where businesses borrow funds and remain liable for repayment. This approach provides flexible working capital access but maintains full repayment liability.
Seamless Ecommerce and ERP Integration
Integration capabilities determine operational friction. Platforms requiring manual data transfer create inefficiencies and error risks.
Key Integration Capabilities
Resolve Pay provides native integrations across the B2B technology stack:
Ecommerce Platforms:
- Shopify with embedded checkout
- BigCommerce (2025 Innovative Integration Award winner)
- Magento 2
- WooCommerce
Accounting and ERP Systems:
Benefits of Two-Way Sync
Bi-directional integration eliminates manual processes:
- Invoices flow automatically from ERP to Resolve Pay
- Payment data syncs back for automatic reconciliation
- Credit decisions integrate with checkout flows
- Customer records maintain consistency across systems
Most Resolve Pay teams launch in under one week with native integrations, while custom implementations accommodate unique workflows through REST API with webhooks and sandbox environments.
Automated Collections and Customer Relationship Management
Collections present a delicate balance between recovering payments and preserving customer relationships. Aggressive tactics damage relationships while passive approaches extend DSO and increase bad debt.
The Power of Smart Collections
Resolve Pay's Agentic Collections combines AI automation with relationship preservation:
- Multi-Channel Sequences: Coordinated outreach across email, SMS, and voice AI
- Intelligent Escalation: Progression based on buyer response and payment history
- Automatic Pausing: Sequences halt when payment or dispute detected
- Interaction Logging: Complete record attached to each invoice
Measuring Collections Effectiveness
Resolve Pay provides real-time dashboards showing DSO trends and aging buckets, collection sequence performance, payment velocity by customer segment, and portfolio health indicators. Customers report an average DSO reduction of 15-20 days through automated collections workflows.
Why Resolve Pay Fits B2B Sellers Offering Net Terms
Resolve Pay is designed for manufacturers, distributors, wholesalers, and other B2B sellers that want to connect financing and receivables operations in one platform. The solution serves mid-market B2B sellers (typically $1M+ annual revenue) who want to offer competitive net terms without cash flow strain and need to reduce credit exposure through non-recourse advances on eligible approved invoices.
Key capabilities that make Resolve Pay well-suited for B2B net terms include:
- Non-recourse advances: Eligible approved invoices receive advances with Resolve Pay managing applicable credit and non-payment risk
- Integrated AR automation: Spanning invoicing, reconciliation, payment workflows, and collections in one platform
- Fast implementation: Most teams launching in under a week with native ecommerce and ERP integrations
- Ecommerce connectivity: Including BigCommerce, Shopify, WooCommerce, Magento, and flexible APIs
- Connected workflows: Buyer credit decisioning and net terms workflows linked directly to existing commerce and accounting systems
Real-World Results
Customer outcomes demonstrate tangible business impact:
Revenue Growth:
- Archipelago Lighting tripled revenue while reducing net terms approval from 10 days to 24 hours
- SS&SI Dealer Network achieved 5x revenue growth
- ConEquip grew 30% year-over-year in construction equipment sales
Operational Efficiency:
- Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours
- RentAll Construction improved cash flow management through faster receivables
- TrueCable achieved response times under 24 hours on credit approvals
Margin Improvement:
- Elston Materials increased margins from 25% to 30%, a 5-point improvement through net terms optimization
These results share common patterns: rapid time to value, sustained performance improvements, and efficiency gains that compound as teams focus on strategic activities rather than manual AR work.
Frequently Asked Questions
How Does Resolve Pay's Non-Recourse Financing Work?
Resolve Pay provides non-recourse advances on eligible approved invoices. Resolve Pay manages the buyer credit assessment and credit decision and assumes the applicable non-payment risk covered by the approved advance, helping sellers offer net terms without carrying the same receivables exposure themselves. Advances of up to 90% are available within 24 hours for eligible approved invoices.
How Quickly Can Resolve Pay Be Implemented?
Most Resolve Pay teams launch in under a week. Implementation timing depends on the seller's workflow, ecommerce or ERP environment, and integration requirements. Resolve Pay supports prebuilt integrations with major B2B platforms and flexible APIs designed to simplify deployment without lengthy custom development cycles.
Does Resolve Pay Integrate With Ecommerce Platforms?
Resolve Pay supports ecommerce integrations with Shopify, BigCommerce, WooCommerce, and Magento 2, along with flexible APIs for other commerce environments. Resolve Pay was recognized with the 2025 BigCommerce Innovative Integration Award. These integrations enable embedded net terms checkout experiences where buyers can apply for credit directly during the purchasing process.
How Quickly Can Buyers Receive Credit Decisions?
Resolve Pay uses AI-enhanced credit decisioning to evaluate business buyers quickly. Some workflows can generate real-time credit decisions, while ecommerce applicants generally receive a response within hours or within a day depending on the verification required. This enables streamlined checkout experiences without lengthy manual underwriting delays.
What Accounts Receivable Workflows Can Resolve Pay Automate?
Resolve Pay can automate credit workflows, invoicing, payment reminders, reconciliation, bookkeeping synchronization, collections, and payment tracking. These capabilities connect with Resolve Pay's net terms financing and buyer payment experience so finance teams can manage more of the credit-to-cash process in one integrated 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.
