When B2B companies want to offer flexible payment terms without creating long cash flow gaps, the right platform depends on what they sell, where they operate, and how they manage receivables. Resolve Pay, Capchase, and Kriya support different financing workflows. Capchase primarily provides vendor financing and recurring-revenue solutions for software and technology companies, while Kriya offers PayLater, invoice finance, and working capital products focused on the United Kingdom and Europe. Resolve Pay combines net terms financing, credit decisioning, payment processing, accounts receivable automation, and non-recourse invoice advances for North American manufacturers, distributors, wholesalers, and other established B2B sellers.
Business financing platforms may appear similar because they all help companies improve cash flow or offer flexible payment arrangements. However, they can support very different transactions.
A manufacturer selling equipment on Net 60 terms has different operational requirements from a software company closing a multiyear subscription contract. The manufacturer may need buyer credit assessment, invoice funding, payment collection, and ERP reconciliation. The software company may be more focused on receiving the value of a contracted subscription sooner while allowing the customer to pay in installments.
Geography also affects the decision. Credit data, payment rails, underwriting practices, and banking relationships vary among North America, the United Kingdom, and continental Europe.
The Federal Reserve Payments Study documents changes in noncash payment activity in the United States. The Small Business Credit Survey also tracks business financing experiences and credit access. Together, these resources show why businesses need financing tools aligned with their transaction types, customer relationships, and working capital cycles.
Resolve Pay addresses seller-side B2B commerce by connecting several previously separate functions:
This integrated model allows merchants to offer purchasing flexibility while keeping their own working capital available for inventory, payroll, fulfillment, and growth.
Integrations: QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, WooCommerce, Magento 2, and custom systems
Best Fit: Established North American B2B manufacturers, distributors, wholesalers, and merchants selling to business customers on invoice terms
Resolve Pay is an AI-powered B2B payments platform that combines credit underwriting, net terms, invoice advances, payment collection, accounts receivable automation, and reconciliation.
Rather than treating financing as a separate back-office transaction, Resolve Pay can embed credit and payment options into the merchant’s existing sales and finance workflows. This supports ecommerce orders, invoices created by sales representatives, traditional offline transactions, and hybrid B2B sales models.
Resolve Pay offers non-recourse advances on approved invoices. Once an eligible buyer and invoice are approved and the advance is issued, the merchant generally keeps those funds even if the buyer later defaults, subject to the applicable agreement and transaction requirements.
This structure can help merchants:
Resolve Pay describes itself as a modern alternative to traditional factoring because it combines funding with credit management, payments, and receivables workflows. Merchants evaluating these options can review how non-recourse invoice advances fit their customer relationships and accounting requirements.
Resolve Pay’s business credit checks combine automated analysis, business information, behavioral signals, and credit expertise. Qualified ecommerce buyers may receive decisions within seconds, while credit assessments requiring additional review may take longer.
Merchants can also submit a business name and address for a discreet assessment. This can help sales and finance teams evaluate prospective buyers before extending payment terms or committing inventory to a large order.
The credit workflow supports several practical objectives:
All approvals, credit limits, and advance decisions remain subject to Resolve Pay’s underwriting and buyer verification.
Resolve Pay’s accounts receivable automation supports the invoice-to-cash process across net terms, cash-on-delivery, and invoices due upon receipt.
The platform can help automate:
Resolve Pay also provides centralized visibility into outstanding invoices, buyer credit activity, payment status, and receivables performance. These capabilities help finance teams manage AR from a shared system instead of relying on spreadsheets, separate payment processors, and disconnected follow-up tools.
Automation does not eliminate the need for oversight, especially for disputes or complex accounts. It does, however, give teams a more consistent framework for prioritizing receivables and responding to payment activity.
Resolve Pay provides ecommerce and ERP integrations for common B2B technology stacks. Supported platforms include Shopify, BigCommerce, WooCommerce, Magento 2, QuickBooks Online, Xero, NetSuite, and Sage Intacct.
For ecommerce transactions, merchants can embed a net terms application within the checkout experience. Qualified buyers can apply, receive a decision, and complete an order without being redirected through a disconnected purchasing process.
Resolve Pay’s integration documentation also supports custom ecommerce, ERP, order management, and marketplace environments through APIs and checkout tools. These options can help businesses connect:
Implementation requirements vary based on the merchant’s systems, workflow complexity, and customization needs. Businesses using supported connectors may have a more direct setup path, while proprietary platforms may require a custom integration.
Resolve Pay offers branded B2B payment portals that allow merchants to maintain a consistent customer experience throughout invoicing and payment.
Depending on the transaction and merchant configuration, buyers can pay through methods such as:
A branded portal gives buyers a central place to view invoices and manage payments while allowing merchants to preserve their customer relationships. Resolve Pay can also manage reminders and collections activity within the merchant’s payment workflow.
Resolve Pay works best with established B2B merchants that have active invoice volume and buyers requesting payment terms. Its primary audience includes:
Resolve Pay generally targets merchants with at least $1 million in annual B2B revenue, although qualification and program availability depend on the business, transaction profile, and buyer base.
Capchase provides financing infrastructure for software, hardware, and recurring-revenue businesses. Its current platform includes vendor financing that allows sellers to receive booked contract revenue earlier while their customers follow an approved payment schedule.
Its products are generally aligned with businesses selling annual or multiyear technology contracts. Capchase evaluates factors such as recurring revenue, customer contracts, retention, and company performance when structuring financing.
Key elements of Capchase’s model include:
Capchase is therefore most relevant when financing is connected to software subscriptions, contracted recurring revenue, or large technology purchases. Resolve Pay is more directly positioned around merchant-managed net terms, business-buyer underwriting, invoice advances, payments, and AR automation for physical-goods and broader B2B commerce.
Kriya offers B2B PayLater, invoice finance, and working capital products. Founded in the United Kingdom, it serves merchants and buyers through online and offline payment channels and is now part of Allica Bank.
Kriya’s offerings include:
Kriya has processed a substantial volume of B2B payments since its founding and supports buyers across multiple countries. Its regional experience, banking relationships, and product structure make it most relevant to businesses focused on UK and European commerce.
Resolve Pay remains the more directly aligned option for North American sellers that need integrated credit decisions, non-recourse invoice advances, receivables automation, and connections to US-focused ecommerce and accounting workflows.
North American B2B sellers often need to offer payment terms to compete for large orders. However, providing Net 30, Net 60, or Net 90 terms can create a gap between paying suppliers and receiving customer payments.
Resolve Pay addresses this gap by connecting four parts of the transaction:
The buyer then pays according to the approved terms, while Resolve Pay supports servicing, payment processing, and collections.
This workflow gives merchants several operational benefits.
Earlier payment on approved invoices gives sellers more flexibility to purchase inventory, fulfill orders, cover operating expenses, and accept new business. Buyers can retain approved payment terms without forcing the merchant to wait through the entire collection period.
Resolve Pay provides underwriting and assumes repayment risk for eligible non-recourse advances. Merchants still need sound credit policies for transactions outside the program, but approved invoices can be managed through a more structured risk framework.
Credit, invoicing, payment processing, reconciliation, and collections share the same transaction data. This reduces the need to repeatedly transfer information among sales, accounting, ecommerce, and finance systems.
Resolve Pay can support transactions placed through ecommerce checkout, sales representatives, email invoices, or offline ordering workflows. This is valuable for merchants whose buyers use several purchasing channels.
Connected accounting and ERP workflows help teams track invoices, funding, payments, and reconciliation. Resolve Pay’s smart bookkeeping automation is designed to map transaction activity back to the relevant accounting records.
Bank lines of credit, term loans, and government-backed lending programs remain important sources of business capital. Invoice advances address a different need because they are connected to customer receivables rather than a general-purpose borrowing facility.
The Census Bureau’s ecommerce data shows the continuing importance of digital transactions across the economy. As more B2B orders move through digital channels, sellers need financing and payment tools that can operate directly within order and invoice workflows.
Invoice-based financing can provide:
The accounting treatment of any financing arrangement depends on its contractual structure and the merchant’s reporting standards. Businesses should consult their accounting and legal advisers rather than assuming that every invoice advance will receive the same balance sheet treatment.
Capchase, Kriya, and Resolve Pay serve different transaction models. Capchase is oriented toward technology contracts and recurring revenue. Kriya provides PayLater, invoice finance, and working capital products for UK and European commerce.
Resolve Pay is purpose-built for North American B2B merchants that want to turn payment terms into a sales and cash flow capability. Its platform connects:
This combination is particularly valuable for manufacturers, distributors, wholesalers, and B2B ecommerce businesses that would otherwise manage these functions through several providers or manual processes.
Merchants evaluating Resolve Pay can start by reviewing its net terms management capabilities and determining which buyers, invoices, and sales channels would benefit most from embedded credit and earlier payment.
Resolve Pay combines non-recourse advances on approved invoices with credit underwriting, payments, reconciliation, and AR automation. Traditional factoring arrangements vary and may include recourse provisions, customer notifications, reserves, or separate servicing processes. Resolve Pay also provides branded buyer experiences intended to keep the payment workflow connected to the merchant’s customer relationship.
Qualified ecommerce buyers may receive automated decisions within seconds. Applications requiring additional information or manual review can take longer. Resolve Pay also supports discreet credit assessments based on a buyer’s business name and address. Every approval and credit limit remains subject to verification and underwriting.
Resolve Pay can improve seller cash conversion by advancing funds on approved invoices before the buyer’s due date. Its AR workflows also support reminders, payment processing, reconciliation, and collections. The effect on reported DSO depends on the merchant’s accounting treatment, eligible invoice volume, and use of the platform.
Resolve Pay supports integrations with Shopify, BigCommerce, WooCommerce, Magento 2, QuickBooks Online, Xero, NetSuite, and Sage Intacct. It also provides APIs and checkout tools for custom ecommerce, ERP, marketplace, and order management environments. The exact integration scope depends on the merchant’s systems and workflow requirements.
Resolve Pay is generally designed for established B2B merchants with active invoice volume and business buyers requesting payment terms. Its strongest fit includes manufacturers, distributors, and wholesalers with at least $1 million in annual B2B revenue. Early-stage companies without recurring B2B invoices may need a different form of startup or working capital financing.
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.