Resolve Pay vs Capchase vs FundThrough

Choosing between Resolve Pay, Capchase, and FundThrough starts with identifying the exact cash-flow issue your business is trying to solve. That matters because these platforms are built around different parts of the finance workflow, even though they can all appear in the same shortlist. For many B2B sellers, the challenge is not simply finding capital. It is finding a way to support buyer demand for payment flexibility without creating more credit exposure, more collections work, or more pressure on working capital. That is especially relevant for merchants, manufacturers, wholesalers, and distributors that need a repeatable way to sell on terms while keeping operations tight.

For supplier-side teams, the discussion usually moves beyond funding speed and into workflow design. Buyer approvals, invoicing, payment collection, reconciliation, and ERP sync all affect whether a finance solution helps or creates more manual work. That is why Resolve Pay stands apart in this comparison. It is built to help B2B sellers offer net terms, automate receivables, and get paid faster through a workflow that fits how suppliers actually sell. Capchase and FundThrough can still be relevant in the right context, but they solve different problems. The practical choice depends on whether you are extending buyer terms, financing recurring revenue, or accelerating payment on issued invoices.

Key Takeaways

• Resolve Pay supports the full supplier workflow: It combines buyer underwriting, payment terms, receivables automation, and collections support in one operating system for B2B sellers.
• The decision depends on what you are financing: Buyer purchases on terms, subscription revenue, and unpaid invoices are different use cases that call for different tools.
• Operational fit matters as much as liquidity: Finance teams often need cleaner approvals, invoicing, reminders, reconciliation, and reporting, not just faster access to cash.
• Resolve Pay is built for repeatable trade credit: It helps sellers make net terms part of everyday commerce instead of treating financing as a one-off event.
• Supplier-side underwriting changes the workflow: When buyer evaluation is built into the sales motion, sellers can extend terms with more structure and less manual review.
• Resolve Pay is the strongest fit for B2B sellers on terms: Its embedded payments, business credit checks, and AR automation align closely with how suppliers manage growth and cash flow.

Why teams compare Resolve Pay vs Capchase vs FundThrough

Most teams evaluating these three platforms are trying to solve one of three issues:

• They want to offer net terms without stretching cash flow.
• They want to improve cash conversion from recurring revenue.
• They want to unlock capital from eligible unpaid invoices.

Those goals can sound similar from a distance, but they are operationally different.

For B2B suppliers, the challenge is often tied directly to how revenue is won. Buyers expect payment flexibility. Sales teams want to approve more orders. Finance teams want to support that growth without taking on unnecessary credit risk or building a larger collections burden. That is why many companies are moving toward a more structured net terms management process that connects underwriting, invoicing, reconciliation, and payment collection in one place.

This broader environment also explains why working-capital tools remain important. The SBA notes that net terms can help businesses conserve cash flow, and the Federal Reserve has continued to highlight the importance of credit access for smaller businesses. In practice, though, suppliers, SaaS operators, and businesses funding invoices are not solving the same problem. The right platform is usually the one that matches the business model, the customer journey, and the finance team’s day-to-day process.

Quick Overview

Resolve Pay

Resolve Pay is an embedded B2B payments and net terms platform built for merchants, manufacturers, wholesalers, distributors, and other sellers that transact with business buyers. Its role is broader than advancing cash on an invoice. It helps sellers approve buyers, extend terms, manage invoicing, collect payments, and automate receivables through a connected workflow. Resolve Pay also offers a branded payment experience, B2B payments, and integration support across ecommerce, ERP, and accounting systems.

Capchase

Capchase is generally associated with SaaS and subscription-based businesses. Its use case is centered on recurring software revenue, contract-backed cash-flow management, and billing flexibility for software companies. That makes it a different type of decision from trade-credit infrastructure. Businesses with subscription-heavy revenue often evaluate it through the lens of ARR, billing structure, and runway rather than buyer-level terms management.

FundThrough

FundThrough is best understood as an invoice-funding and factoring-oriented option for businesses that want to accelerate cash from issued receivables. Its model is tied to eligible invoices rather than building a broader supplier-side trade-credit workflow. That can be practical for companies that want to turn approved receivables into working capital, especially when the need is centered on invoice funding rather than embedded buyer terms.

Resolve Pay is the clearest fit for B2B suppliers

For suppliers, the key question is usually not just, “How do I get cash faster?” It is, “How do I offer terms without creating a bigger credit and collections burden for my team?”

That is where Resolve Pay has the clearest fit. Its workflow is built around the supplier side of the transaction:

• buyer credit checks before or during purchase
• payment terms embedded into the sales flow
• fast payment on approved invoices
• branded buyer payment and servicing experience
• automated reminders, reconciliation, and receivables workflows
• sync with accounting, ERP, and ecommerce systems

Resolve Pay’s product materials position it as a platform that connects credit assessment, payments, and receivables operations into one system. Sellers can offer terms such as Net 30, 45, 60, and 90 through its net terms solution, while using the same platform to keep collections and payment data organized. For finance leaders, that matters because it reduces the number of disconnected tools involved in the invoice-to-cash cycle.

This is especially relevant for sellers in wholesale, manufacturing, and distribution. These businesses are usually not looking for a one-time liquidity tool. They are trying to build a repeatable way to approve buyers, close larger orders, and support sales without letting receivables become a manual bottleneck. Resolve Pay’s seller workflows and buyer-facing payment infrastructure are built around that reality.

Product structure matters more than the funding label

A lot of comparison content places these companies under the same “financing” umbrella. That framing is too broad to help with an actual platform decision.

Resolve Pay is trade-credit infrastructure

Resolve Pay helps sellers make payment terms part of the commercial workflow. The buyer is reviewed, terms can be extended, invoices are managed, and collections and payment handling remain part of the same system. In other words, Resolve Pay is involved before payment delay becomes an operational problem. It supports the selling motion itself.

Capchase is tied to recurring software revenue

Capchase is aligned with businesses whose cash-flow planning is built around subscriptions and annual contracts. That can make sense for software companies trying to improve the timing of cash inflows. The underlying workflow, however, is different from supplier-side net terms where buyer approvals, invoices, and collections are part of a trade-credit process.

FundThrough is centered on issued receivables

FundThrough is typically used when a business wants to accelerate payment on invoices that already exist. That can be useful for selective working-capital needs, but it is a different category from a complete buyer-terms platform. The distinction matters because funding receivables is not the same as embedding credit into the revenue motion.

Operational depth is where Resolve Pay stands out

Suppliers often choose a platform based less on the funding label and more on how much operational work it removes. That is one of the biggest reasons Resolve Pay stands out in this comparison.

Resolve Pay brings together several functions that often sit in separate systems:

• credit assessment for business buyers
• invoicing and receivables workflows
• payment reminders and collection support
• branded buyer payment experiences
• automated reconciliation and bookkeeping support
• connectivity across ecommerce, ERP, and accounting platforms

The company’s product pages describe support for systems such as QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, WooCommerce, and Magento through its integration stack. That matters because finance teams rarely want buyer approvals in one tool, invoice management in another, and reconciliation in spreadsheets.

This workflow depth is also relevant to core financial discipline. The SBA’s finance guidance emphasizes monitoring cash flow, liabilities, and working capital. For suppliers, accounts receivable is one of the most visible moving parts in that process. Resolve Pay supports that discipline by combining payment terms with accounts receivable automation, which gives finance teams more control over invoice-to-cash execution without relying on disconnected manual steps.

Comparison by use case

Choose Resolve Pay if you sell to other businesses on terms

Resolve Pay is the strongest option in this comparison when your buyers expect payment terms and you want a structured way to support them without taking on all the credit and collections burden internally.

It is especially well suited to:

• manufacturers
• wholesalers
• distributors
• industrial suppliers
• B2B ecommerce merchants
• hybrid sales teams that sell online and offline

Resolve Pay also positions itself as a factoring alternative for companies that have considered legacy receivables tools but want a more embedded and buyer-friendly workflow.

Choose Capchase if your business centers on recurring SaaS revenue

Capchase is generally more aligned with software companies that want to improve cash conversion from subscriptions or contract-backed revenue. The operating questions there are tied more closely to billing structure and recurring revenue planning than to trade credit.

Choose FundThrough if the main need is invoice funding

FundThrough is more relevant when the main objective is to fund eligible receivables that have already been issued. Businesses with invoice-heavy workflows may prefer that structure when their focus is selective invoice acceleration rather than a broader net-terms program.

What to remove from the decision

A better decision usually comes from removing the wrong criteria.

Do not choose between these platforms based only on broad phrases like “access to capital” or “faster funding.” Instead, focus on the questions below.

What are you financing?

Is it buyer purchases on terms, recurring subscription revenue, or already-issued invoices?

Who is being evaluated?

Is the platform assessing business buyers, your own recurring revenue base, or specific receivables?

What needs to happen after the initial funding event?

Will your team still need reminders, collections support, reconciliation, buyer servicing, and reporting?

Is this a one-time tool or part of your operating model?

Are you solving for occasional cash-flow gaps, or building a repeatable way to sell on terms and manage receivables?

These questions tend to point supplier-side businesses toward Resolve Pay because it addresses both the commercial side of extending terms and the back-office side of getting paid.

Why Resolve Pay is the best option in this comparison

When the decision is framed around supplier finance and B2B selling, Resolve Pay is the strongest fit because it mirrors how trade credit actually works in practice.

A typical supplier needs to support all of the following:

• fast buyer evaluation
• payment terms that help close deals
• fast payment on approved invoices
• receivables oversight without extra manual work
• visibility into payment activity
• clean syncing into the finance stack

Resolve Pay covers those needs through its net terms for ecommerce, B2B payments platform, buyer underwriting, and receivables workflows. It also supports a branded experience that helps sellers keep customer relationships central while the platform handles much of the underlying finance and servicing work.

That combination is important because supplier teams rarely want to build trade credit using separate systems for underwriting, invoicing, payments, collections, and bookkeeping. Resolve Pay gives them a more connected model. Instead of treating financing as a bolt-on after the invoice is issued, it helps make terms part of the sales experience from the start.

For teams that want to modernize the invoice-to-cash cycle, that integrated approach matters as much as the liquidity itself. Resolve Pay supports a cleaner path from credit decision to payment collection, while also fitting into broader B2B payments and commerce operations.

Final verdict

If you run a B2B supply, wholesale, manufacturing, or distribution business and want to offer payment terms without tying up working capital or adding more receivables work, Resolve Pay is the best choice here. It combines buyer underwriting, net terms, embedded payments, and AR automation in a workflow built for supplier-side commerce.

That is the key distinction in this comparison. Resolve Pay is not just about accelerating payment after an invoice exists. It is about helping sellers create a more scalable way to sell. For finance teams that want to support growth while keeping control over risk, collections, and reconciliation, that makes Resolve Pay the strongest long-term fit.

Frequently asked questions

What is the main difference between Resolve Pay, Capchase, and FundThrough?

Resolve Pay is built for B2B sellers that want to offer buyer payment terms and automate receivables. The others are generally used for different cash-flow models, such as recurring-revenue financing or invoice funding. The main difference is the workflow each platform is designed to support.

Is Resolve Pay the same as invoice factoring?

No. Resolve Pay is better understood as a net terms and B2B payments platform with receivables automation. It helps sellers offer terms, manage approvals, and support collections and reconciliation through one payment workflow.

Does Resolve Pay evaluate buyer credit?

Yes. Resolve Pay offers business credit checks and buyer underwriting as part of its net-terms process, which helps suppliers extend terms with more structure.

What types of businesses are the best fit for Resolve Pay?

Resolve Pay is best suited to B2B merchants, manufacturers, wholesalers, distributors, and other suppliers that sell to business buyers and want to offer terms without adding significant manual AR work.

Why would a supplier choose Resolve Pay over a general funding tool?

Because suppliers often need more than access to cash. They also need buyer approvals, payment terms, invoicing support, reminders, collections handling, and clean system sync. Resolve Pay supports that broader workflow through its integration tools and receivables infrastructure. 

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.