Sep 18, 2026
Selecting the right B2B payment solution can determine whether your manufacturing, distribution, or wholesale business thrives or struggles with cash flow constraints. While BlueVine focuses primarily on business banking and lending and Gaviti provides invoice-to-cash automation, Resolve Pay delivers non-recourse net terms financing combined with complete AR automation in a single seller-focused platform.
Understanding these fundamental differences helps B2B sellers choose the approach that matches their cash flow needs, credit risk tolerance, and operational goals. This comparison examines how each platform addresses accounts receivable management, financing, credit decisioning, and working capital acceleration for businesses offering net terms.
Key Takeaways
- Resolve Pay provides non-recourse advances on eligible approved invoices, helping sellers reduce exposure to buyer default risk while combining net terms financing with AR automation
- Advance rates depend on buyer risk and transaction approval, and qualifying funds can reach the seller within about one business day, helping convert extended payment terms into faster working capital
- With over 15,000 businesses on the platform and a 5.0/5 G2 rating, Resolve Pay demonstrates strong customer satisfaction in the B2B payments space
- Resolve Pay provides native ecommerce integrations with Shopify, BigCommerce, Magento, and WooCommerce for offering net terms at checkout
- The AI-powered credit engine combines business data, behavioral signals, payment history, and human expertise to deliver fast credit decisions
- Agentic collections use multi-channel automation across email, SMS, and voice AI to preserve customer relationships while reducing DSO
- Resolve Pay is SOC 2 Type II attested, providing businesses with independently assessed information about its security controls
Understanding Core Offerings: Accounts Receivable Software and Beyond
The accounts receivable software market includes platforms ranging from basic invoicing tools to comprehensive solutions that combine financing, automation, and collections. According to Federal Reserve Small Business Credit Survey data show that uneven cash flow, including collecting on receivables, remains a common financial challenge for small businesses, underscoring the importance of efficient accounts receivable management.
Key Features of Top AR Software
Modern accounts receivable automation encompasses several critical functions:
Invoice Generation and Management Resolve Pay automates invoice creation with two-way ERP sync, pulling order data from connected systems and generating professional invoices without manual entry. The platform supports multiple formats and delivery methods while maintaining complete audit trails.
Payment Reconciliation Resolve Pay automates reconciliation across receivables workflows and syncs transaction data with connected accounting systems. This reduces the manual work involved in matching payments and keeping invoice records current.
Collections Workflows Resolve Pay's agentic collections executes multi-channel outreach sequences across email, SMS, and voice AI. The system pauses automatically when payments or disputes are received, logging all interactions to the invoice record.
Payment Portal The white-labeled buyer portal accepts ACH, wire transfer, credit card, and check payments while displaying all invoices, credit lines, and payment history. Buyers can self-serve payment plans and flag disputes without requiring seller intervention.
Comparing AR Automation Capabilities
Resolve Pay combines AR automation with non-recourse financing in a single platform. The system handles:
- Credit decisioning with AI-powered evaluation
- Invoice generation and delivery
- Payment reminders and collections
- Automated reconciliation
- Cash advances on eligible approved invoices
Customers report AR workload reduced by approximately 90% after implementation, with credit approvals dropping from multiple days to under 24 hours.
BlueVine operates primarily as a business banking and lending platform and also provides invoicing, payment links, ACH and card payment acceptance, and other tools for collecting customer payments. Its product model differs from Resolve Pay's seller-focused combination of buyer credit decisioning, non-recourse invoice advances, net terms, and AR automation.
Gaviti provides invoice-to-cash automation for finance teams, including collections workflows, cash application, credit management, dispute management, customer communications, and payment capabilities. It also connects with ERP environments. Its product model centers on receivables automation rather than Resolve Pay's combination of AR automation and non-recourse invoice advancement.
Navigating Business Financing Options
B2B sellers evaluating financing options encounter fundamentally different models with distinct implications for cash flow, risk exposure, and operational complexity.
Types of Business Financing Available
Net Terms Financing Resolve Pay enables sellers to offer Net 30, 60, or 90 payment terms to approved buyers while receiving faster access to cash. Advance rates depend on buyer risk and transaction approval, and qualifying funds can reach the seller within about one business day. When less than the full invoice is advanced, the remaining eligible balance is released according to the applicable transaction terms after buyer payment.
Business Banking and Lending BlueVine provides business checking accounts with integrated bill pay functionality. Its standard and expedited payment options support vendor payment workflows. The platform also offers working capital products for general business needs.
Invoice-to-Cash Automation Gaviti provides collections, cash application, credit management, dispute workflows, and related receivables tools. Resolve Pay combines AR automation with eligible non-recourse invoice advances and embedded net terms for B2B sellers.
Choosing the Right Funding Approach
The optimal financing approach depends on your specific cash flow challenge. For sellers offering net terms who need faster access to receivables, Resolve Pay's net terms financing directly addresses this need by advancing cash on approved invoices.
Invoice Factoring: Recourse vs. Non-Recourse Solutions
The distinction between recourse and non-recourse financing represents a critical decision point for B2B sellers evaluating invoice financing options.
Understanding Invoice Factoring Mechanics
Traditional invoice factoring involves selling receivables to a third party at a discount in exchange for immediate cash. Two primary models exist:
Recourse Factoring The seller retains responsibility for unpaid invoices. If a customer defaults, the seller must buy back the invoice or replace it with a performing receivable.
Non-Recourse Factoring The financing provider assumes qualifying credit risk on approved invoices. If an approved customer defaults on an eligible invoice, the seller's exposure to that specific default is reduced or eliminated according to the transaction terms.
Why Non-Recourse Matters for Risk Management
Resolve Pay provides non-recourse financing on eligible approved invoices. When a qualifying buyer is approved and an eligible invoice is advanced, Resolve Pay assumes the applicable buyer default risk under the transaction terms.
This structural approach delivers several benefits:
- Reduced buyer default exposure on eligible financed receivables
- More predictable cash flow outcomes
- Greater confidence to extend terms to qualified customers
- Simplified financial planning
BlueVine combines banking, lending, invoicing, and payment-acceptance tools. Resolve Pay is structured specifically around B2B seller workflows that combine net terms, buyer credit assessment, eligible invoice advances, and accounts receivable automation.
Specialized B2B Payment Solutions
B2B transactions require specialized capabilities that consumer-focused payment solutions do not address. According to the U.S. Small Business Administration, over 99% of American businesses are small businesses, many of which struggle with the complexity of net terms and credit management.
Streamlining B2B Transactions
Effective B2B payment solutions must handle several unique requirements:
Net Terms Offering Resolve Pay enables sellers to offer Net 15, 30, 60, or 90 day terms through a streamlined application process. Buyers apply for credit directly through the seller's branded experience, receiving decisions quickly in many cases.
Multiple Payment Rails The white-labeled payment portal accepts:
- ACH transfers
- Wire transfers
- Credit cards (fees passed to buyer)
- Checks
This flexibility accommodates buyer preferences while consolidating all payments into a single dashboard.
White-Label Experience Resolve Pay maintains the seller's brand throughout the buyer journey, creating a seamless experience that feels like a natural extension of the seller's business.
The Impact of B2B BNPL on Cash Flow
B2B Buy Now, Pay Later represents a structural shift in how sellers manage working capital:
Cash Flow Acceleration Resolve Pay can reduce the cash-flow impact of DSO by advancing eligible approved invoices within about one business day, allowing sellers to access working capital well before the end of a 30-90 day payment term.
DSO Reduction Days Sales Outstanding measures how long cash remains tied up in receivables. Resolve Pay customers report DSO improvements within the first month of implementation.
Sales Enablement Offering competitive net terms attracts customers who might otherwise explore competitors. Shields Childcare Supplies won new business by offering extended terms they couldn't extend independently, expanding their customer base without cash flow strain.
Credit Engine Technology
The speed and accuracy of credit decisions directly impacts sales velocity and customer experience.
AI-Powered Credit Decisions for B2B
Resolve Pay's credit engine combines AI-driven analysis, business financial data, behavioral signals, payment history, and human expertise when evaluating buyers. The proprietary system delivers:
- Fast approvals for many purchases
- Response times under 24 hours for complex evaluations
- Dynamic credit lines that adjust based on payment performance
- Quiet credit checks that don't notify buyers
This approach replaces the manual trade reference calls, spreadsheet tracking, and multi-day approval cycles that characterize traditional B2B credit processes. Archipelago Lighting reduced net terms approval from 10 days to 24 hours after implementing Resolve Pay, while offering substantially higher credit lines to qualified buyers.
Supporting Faster B2B Credit Decisions
Resolve Pay combines AI-driven analysis, business data, behavioral signals, payment history, and human expertise to assess buyers and generate scalable credit decisions. The platform supports:
- Fast buyer credit assessment
- Dynamic credit decisions based on available business data
- Credit lines that can evolve as buyer information and payment performance develop
For sellers seeking to streamline credit decisions while maintaining risk controls, Resolve Pay's AI engine delivers the speed and accuracy that modern B2B commerce demands.
Accounts Payable Software
While the primary comparison focuses on accounts receivable solutions, understanding each platform's accounts payable capabilities provides context for businesses evaluating comprehensive financial management needs.
Key Benefits of AP Automation
Accounts payable automation helps businesses manage outgoing payments to vendors and suppliers more efficiently through:
- Centralized bill management for tracking vendor invoices
- Multiple payment method support including ACH, wire, and check
- Approval workflows for spending controls
- Payment scheduling for cash flow optimization
AP Software Comparison
BlueVine provides business checking and bill pay capabilities supporting payment methods such as ACH, wire transfers, international payments, and checks.
Resolve Pay is focused on seller-side accounts receivable rather than accounts payable. Its core value is connecting buyer credit, net terms, eligible invoice advances, payment workflows, reconciliation, and collections within the receivables process.
Gaviti focuses on invoice-to-cash and accounts receivable workflows rather than accounts payable.
Platform Integrations and Technical Capabilities
Integration capabilities determine how smoothly a platform fits into existing technology infrastructure.
Seamless Integration with Existing Systems
Resolve Pay Integrations
Native integrations support major business systems:
- Accounting/ERP: QuickBooks Online, NetSuite, Xero, Sage Intacct
- Ecommerce: Shopify, BigCommerce, Magento, WooCommerce
- API: REST API with webhooks and sandbox for custom integrations
Two-way sync ensures invoice and payment data flows automatically between systems, eliminating manual data entry and reconciliation. Most teams launch in under one week with guided implementation support.
Resolve Pay won the 2025 BigCommerce Innovative Integration Award, recognizing the platform's ability to embed net terms directly into B2B ecommerce checkout flows.
BlueVine Integrations
BlueVine offers QuickBooks Online integration for syncing bills, transactions, and payee information supporting accounting workflows.
Gaviti Integrations
Gaviti connects with multiple ERPs including NetSuite, SAP, Microsoft Dynamics 365, and Sage Intacct. The platform also supports SFTP and email delivery methods for systems without direct integration options.
Technical Standards for B2B Platforms
Security Controls Resolve Pay is SOC 2 Type II attested, giving businesses an independently assessed framework for evaluating relevant security controls.
Implementation Timeline Resolve Pay's guided onboarding enables most teams to go live within one week. BlueVine's self-service banking setup provides quick access. Gaviti's implementation timeline varies based on ERP complexity and customization requirements.
Ecommerce Enablement Resolve Pay offers native ecommerce integrations for offering net terms at online checkout. This capability enables B2B buyers to apply for credit during the purchase flow, converting more carts to orders while maintaining seller cash flow.
Cash Flow Management: Enhancing Liquidity and Growth
Cash flow determines operational capacity, growth potential, and business sustainability. For B2B sellers offering net terms, the gap between delivering products and receiving payment creates ongoing working capital challenges.
Strategies for Optimizing Business Cash Flow
Accelerate Receivables Collection Resolve Pay can reduce the cash-flow impact of DSO by advancing eligible approved invoices within about one business day. Rather than waiting 30-90 days for customer payment, sellers access working capital sooner while buyers maintain payment flexibility.
ConEquip achieved 30% year-over-year growth using Resolve Pay to fund operations. The equipment dealer extended competitive terms to customers while maintaining the cash position needed for inventory and expansion.
Automate AR Processes Manual invoice management, payment tracking, and collections consume significant staff time. Resolve Pay's automation reduces AR overhead substantially, freeing resources for revenue-generating activities rather than administrative tasks.
Trenchless Supply reported AR workload reduced by at least 90% after implementation, with credit approvals completed in under 24 hours instead of the multi-day manual process.
Reduce Buyer Default Exposure Resolve Pay's non-recourse advances on eligible approved invoices transfer qualifying buyer default risk to Resolve Pay, helping sellers protect cash flow while extending approved net terms.
Software Tools for Proactive Cash Flow Management
Resolve Pay provides a real-time AR dashboard showing DSO, aging, and portfolio health alongside the financing and automation capabilities that directly improve these metrics. The integrated approach addresses cash flow at its source rather than simply providing visibility.
Why Resolve Pay Brings Net Terms And AR Together
Resolve Pay is designed for B2B manufacturers, distributors, wholesalers, and other sellers that want to connect buyer credit, net terms, cash flow, invoicing, reconciliation, and collections within one platform.
Key capabilities include:
- Non-recourse advances on eligible approved invoices
- Faster access to working capital while buyers retain approved payment terms
- AR automation spanning credit, invoicing, reconciliation, reminders, and collections
- Embedded ecommerce net terms for supported online checkout workflows
- Buyer credit decisioning connected directly to net terms and invoice advancement
- ERP, accounting, and ecommerce integrations for connected financial workflows
BlueVine's primary model centers on business banking, lending, payments, and invoicing, while Gaviti provides invoice-to-cash automation. Resolve Pay connects B2B net terms financing and AR automation in a seller-focused platform built around the credit-to-cash workflow.
Frequently Asked Questions
How Does Resolve Pay's Non-Recourse Financing Work?
Resolve Pay provides non-recourse advances on eligible approved invoices. For qualifying transactions, Resolve Pay assumes the applicable buyer default risk while the seller receives faster access to cash and the buyer retains approved payment terms. This structure helps B2B sellers extend net terms while reducing exposure to qualifying buyer defaults.
How Quickly Does Resolve Pay Make Credit Decisions?
Resolve Pay combines AI-driven analysis, business data, behavioral signals, and human expertise to evaluate buyers. Some decisions can be generated quickly, while more complex assessments are generally completed within 24 business hours. Dynamic credit lines adjust automatically based on payment performance.
Which Systems Does Resolve Pay Integrate With?
Resolve Pay supports integrations with major accounting, ERP, and ecommerce systems, including QuickBooks Online, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. APIs and webhooks also support custom workflows. Most teams launch in under one week with two-way sync for automated data flow.
How Does Resolve Pay Help Improve Cash Flow?
Resolve Pay can advance eligible approved invoices before the buyer's payment term expires. This allows sellers to access working capital sooner while continuing to offer approved Net 30, Net 60, Net 90, or other supported payment terms. The platform also automates collections, reconciliation, and reporting to reduce AR overhead.
Is Resolve Pay SOC 2 Type II Attested?
Yes. Resolve Pay states that it is SOC 2 Type II attested. Organizations with specific security or regulatory requirements should review the applicable documentation as part of their own vendor assessment process to ensure alignment with their particular compliance needs.
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.
