Jul 16, 2026
When B2B companies need working capital, the right solution depends on the transaction being financed and the operational problem being solved. Capchase provides vendor and revenue financing primarily for technology companies, while OnDeck offers small business term loans and revolving lines of credit for general expenses. Resolve Pay takes a different approach by combining net terms financing, buyer credit decisions, invoice advances, payments, and accounts receivable automation. For manufacturers, distributors, and wholesalers that want to offer flexible terms while protecting cash flow, Resolve Pay provides the most directly aligned platform.
The Small Business Credit Survey tracks financing conditions and credit experiences across U.S. small businesses. The Federal Reserve Payments Study also monitors how payment activity continues to evolve. For B2B suppliers, however, the decision is not simply about accessing capital. It is about supporting buyer purchasing power, receiving funds sooner, managing credit risk, and reducing manual receivables work through one coordinated system.
Key Takeaways
- Resolve Pay connects credit and payments: The platform combines buyer underwriting, net terms, invoice advances, payment processing, collections, and AR automation.
- Approved invoices can provide faster cash flow: Resolve Pay can advance up to 90% of eligible invoice value within approximately 24 hours while approved buyers receive flexible payment terms.
- Each platform serves a different transaction model: Capchase focuses on financing technology purchases and recurring contracts, while OnDeck provides loans and credit lines for general business needs.
- Non-recourse advances reduce seller risk: Merchants keep advances on approved invoices even when an approved buyer ultimately does not pay, subject to Resolve Pay’s terms and verification requirements.
- Integrations support existing workflows: Resolve Pay connects with accounting, ERP, ecommerce, and custom systems to reduce duplicate entry and manual reconciliation.
- Resolve Pay is built for B2B sellers: Manufacturers, wholesalers, and distributors can use payment terms as a sales tool without building an internal credit and collections operation.
Why Businesses Compare Resolve Pay, Capchase, and OnDeck
Companies often compare these platforms when slow collections, large orders, seasonal demand, or growth expenses create working capital pressure. Although all three can improve access to cash, they address different financial events.
A B2B supplier may need to let a customer pay in 30, 60, or 90 days without waiting the full term to fund payroll, inventory, or the next order. A software provider may want to receive the value of a multiyear contract earlier while allowing the customer to pay over time. Another small business may simply need borrowed funds for equipment, marketing, repairs, or operating expenses.
The platforms therefore fit three distinct models:
- Resolve Pay: Embedded B2B net terms, credit management, invoice advances, payments, and AR automation
- Capchase: Vendor financing and revenue-based financing, primarily for software, hardware, and recurring-revenue businesses
- OnDeck: Term loans and revolving lines of credit for general small business working capital
Resolve Pay is the most relevant option when the primary challenge begins with a B2B sale on invoice terms. Instead of treating financing as a separate activity, Resolve Pay connects financing to the buyer, invoice, payment schedule, and receivables workflow.
Understanding Each Platform’s Market Position
Resolve Pay
Resolve Pay is an AI-powered B2B payments platform for businesses that sell products or services to other companies. It combines B2B payments, credit underwriting, invoice financing, and receivables automation in one system.
The platform allows merchants to offer approved buyers Net 30, Net 60, Net 90, or customized terms. Resolve Pay can then advance the seller a portion of an approved invoice instead of requiring the seller to wait until the buyer’s due date.
Resolve Pay also supports the operational work surrounding the transaction. Its accounts receivable platform can help manage invoices, reminders, collections, payment acceptance, and reconciliation. This makes Resolve Pay suitable for manufacturers, distributors, wholesalers, and other B2B sellers that want to improve cash flow without separating credit, payments, and AR across multiple tools.
Capchase
Capchase provides financing products for B2B technology companies, including software and hardware vendors. Its current positioning emphasizes vendor financing for annual and multiyear contracts, allowing vendors to receive booked revenue earlier while customers use structured payment schedules.
Capchase also offers revenue-based financing for recurring-revenue companies. This model connects access to capital with predictable revenue rather than individual wholesale invoices.
Its platform is therefore most relevant to technology companies with recurring contracts, steady customer retention, and sales processes managed through CRM systems. The financing supports software and technology transactions rather than the broader credit-to-cash requirements of traditional product distributors.
OnDeck
OnDeck is an online small business lender offering term loans and revolving lines of credit. Its funding can be used for a range of business purposes, including operating expenses, inventory, equipment, hiring, repairs, and short-term opportunities.
A term loan provides a fixed amount that the business repays over an agreed period. A line of credit provides ongoing access to funds up to an approved limit, allowing the borrower to draw capital as needed.
OnDeck financing is based on the borrowing business and its ability to repay. It is not connected to a specific buyer’s credit application or to the collection of a particular B2B invoice.
1. Resolve Pay for Integrated B2B Payments and Invoice Financing
Core Capabilities
Resolve Pay is designed to support the full credit-to-cash process rather than only the funding event. Its principal capabilities include:
- Flexible net terms: Approved buyers can receive payment schedules such as Net 30, Net 60, Net 90, or customized terms.
- Advance payments: Sellers can receive up to 90% of eligible invoice value within approximately 24 hours.
- Business credit decisions: The credit assessment platform uses business information, proprietary models, behavioral signals, and human expertise to evaluate buyers.
- Accounts receivable automation: Workflows can support invoicing, reminders, collections, payment processing, and reconciliation.
- Branded payment portal: Buyers can manage invoices and pay through ACH, wire, credit card, or check.
- Embedded checkout: Ecommerce buyers can apply for terms and complete approved purchases without leaving the merchant’s purchasing experience.
- Non-recourse advances: When Resolve Pay approves a buyer and advances an eligible invoice, the seller keeps the advance if the approved buyer defaults, subject to the applicable agreement and transaction requirements.
This combination helps merchants extend purchasing power to customers while maintaining more predictable access to working capital.
Integrations and Workflow Automation
Resolve Pay offers financial system integrations for accounting, ERP, and ecommerce environments. Supported systems include QuickBooks Online, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce.
Integrated workflows can automatically import customer and invoice information, synchronize transactions, and reduce repetitive bookkeeping. Resolve Pay also provides APIs for merchants using proprietary storefronts, order management systems, or custom financial infrastructure.
Through ecommerce net terms, buyers can apply during checkout and, when approved, complete the purchase using their available credit line. Qualified applications may receive decisions within seconds, although larger or more complex requests may require additional verification.
Non-Recourse Invoice Advances
Resolve Pay’s non-recourse structure is a central part of its value for B2B suppliers. When Resolve Pay approves the buyer and advances an eligible invoice, the merchant generally keeps the advance even if that approved buyer does not ultimately pay.
This protection applies to transactions approved and funded under Resolve Pay’s requirements. It should not be interpreted as eliminating every possible commercial risk, dispute, fraud issue, contractual obligation, or operational loss a seller may encounter.
For qualified transactions, however, the model can reduce exposure to buyer default while allowing the merchant to continue offering competitive payment terms. It also differs from a conventional business loan because repayment is connected to the approved invoice and buyer payment rather than a general loan balance owed by the merchant.
Accounts Receivable Support
Resolve Pay extends beyond invoice funding through net terms management. The platform can support.
- Buyer credit applications and credit line decisions
- Invoice creation and delivery
- Automated payment reminders
- Payment acceptance through multiple methods
- Collections workflows
- Transaction reconciliation
- Credit and AR visibility
- Communication through a branded customer experience
These functions can reduce the need to move information between a credit bureau, financing provider, payment processor, collections system, and accounting platform.
2. Capchase
Key Features
Capchase offers financing products designed primarily around recurring revenue and technology sales:
- Vendor financing for annual and multiyear software or hardware contracts
- Flexible payment schedules for technology buyers
- Upfront access to booked contract revenue for eligible vendors
- Revenue-based financing for recurring-revenue businesses
- CRM and workflow integrations
- Embedded financing within technology sales processes
Capchase is most closely aligned with SaaS, software, hardware, and technology businesses that want to structure customer payments while accessing contract revenue earlier.
The financing event is generally tied to booked contracts or recurring revenue. This makes the platform relevant when a technology vendor wants to close larger annual agreements without requiring the buyer to pay the entire contract value immediately.
3. OnDeck
Key Features
OnDeck provides two primary forms of small business financing:
- Term loans for fixed working capital needs
- Revolving lines of credit for ongoing expenses
- Online applications and credit decisions
- Same-day funding for some approved transactions
- Fixed payment structures for term loans
- Flexible draws from approved credit lines
OnDeck currently advertises term loans of up to $400,000 and lines of credit of up to $200,000. Those amounts are product limits rather than guaranteed approvals. Eligibility, funding size, repayment structure, and timing depend on underwriting and the applicant’s circumstances.
The funds can support many business purposes and are not restricted to accounts receivable. The borrower remains responsible for repayment according to the financing agreement, regardless of whether a customer pays an invoice.
How the Three Platforms Differ
Financing Trigger
Resolve Pay financing begins with an approved B2B buyer and invoice. Capchase commonly connects financing to booked technology contracts or recurring revenue. OnDeck provides capital directly to the borrowing business based on its lending eligibility.
Primary User
Resolve Pay is designed for B2B sellers such as manufacturers, distributors, wholesalers, and suppliers. Capchase primarily serves technology vendors and recurring-revenue businesses. OnDeck serves small businesses across multiple industries that need general-purpose capital.
Customer Payment Terms
Resolve Pay embeds terms directly into the merchant’s B2B sales and receivables process. Capchase can structure customer payments for eligible software and technology purchases. OnDeck does not create or manage payment terms between a merchant and its customers.
Repayment Responsibility
With Resolve Pay, approved non-recourse advances are connected to eligible buyer invoices, and Resolve Pay assumes the approved buyer’s repayment risk under the agreement. Capchase financing structures depend on the selected product and contract. OnDeck’s borrower remains responsible for repaying its loan or credit line.
Operational Scope
Resolve Pay combines credit decisions, invoice advances, payment acceptance, collections, and reconciliation. Capchase combines financing with technology sales workflows. OnDeck focuses on providing business credit rather than operating a merchant’s AR process.
Why Resolve Pay Fits B2B Commerce
It Connects Financing to Revenue
A traditional loan adds cash and a corresponding repayment obligation. Resolve Pay instead connects liquidity to an existing or newly created B2B transaction. The merchant can receive funds sooner while the approved buyer retains the agreed payment period.
This structure can be especially useful for suppliers that need to purchase materials, replenish inventory, or fulfill new orders before earlier customers have paid.
It Supports Buyer Relationships
Net terms are often part of the commercial relationship between B2B buyers and sellers. Resolve Pay helps merchants offer those terms through a branded experience rather than redirecting buyers into a separate consumer-style financing process.
Merchants maintain their customer-facing identity while Resolve Pay supports credit decisions, payments, and collections behind the transaction.
It Reduces Fragmented AR Work
Credit review, invoicing, payment processing, collections, and reconciliation are often managed across separate systems. Resolve Pay brings these functions into a coordinated credit management platform.
This can give sales, finance, ecommerce, and operations teams access to a more consistent view of buyer credit, invoice status, payments, and receivables activity.
It Supports Multiple Sales Channels
Resolve Pay can support ecommerce checkout, invoices created by sales representatives, offline orders, and custom purchasing environments. Its APIs also allow businesses to connect buyer applications and payment workflows to proprietary systems.
This flexibility matters for merchants that receive orders through a combination of websites, purchase orders, phone sales, field representatives, and account-based ordering.
Final Verdict
Resolve Pay, Capchase, and OnDeck address different working capital needs. Capchase is primarily structured for technology vendors and recurring-revenue businesses that want to finance contracts or access future revenue. OnDeck provides term loans and credit lines for small businesses seeking flexible capital for general expenses.
Resolve Pay is the strongest fit for manufacturers, distributors, wholesalers, and other B2B sellers whose working capital challenge begins with customer payment terms. Its combination of net terms, buyer underwriting, non-recourse invoice advances, payment acceptance, collections, and reconciliation gives merchants more than access to capital.
For businesses that want to offer flexible payment terms while improving cash flow and reducing manual AR work, Resolve Pay provides a unified platform built around the complete B2B transaction. Its factoring alternative also allows qualifying sellers to access invoice value without using a conventional recourse loan.
Frequently Asked Questions
What Is the Main Difference Between Resolve Pay and a Business Loan?
Resolve Pay connects funding to approved B2B invoices and buyer payment terms. A business loan provides capital directly to the borrowing company, which must repay the balance according to the lending agreement. Resolve Pay also supports buyer credit decisions, invoicing, payments, collections, and reconciliation.
How Does Resolve Pay’s Non-Recourse Model Work?
When Resolve Pay approves a buyer and advances an eligible invoice, the seller generally keeps the advance if that approved buyer defaults. The protection applies to approved and qualifying transactions under the merchant’s agreement. Sellers remain responsible for complying with transaction, documentation, fraud, and dispute requirements.
How Quickly Can Resolve Pay Provide an Invoice Advance?
Resolve Pay can advance up to 90% of an approved invoice within approximately 24 hours. Timing depends on buyer approval, verification, invoice eligibility, banking processes, and the merchant’s configuration. Qualified ecommerce buyers may receive credit decisions within seconds.
Does Resolve Pay Integrate With Existing Accounting and Ecommerce Systems?
Yes. Resolve Pay supports integrations with systems such as QuickBooks Online, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. It also offers APIs for custom ecommerce, ERP, order management, and financial workflows.
Which Businesses Are Best Suited to Resolve Pay?
Resolve Pay is designed primarily for established B2B manufacturers, distributors, wholesalers, suppliers, and other companies that sell on invoice terms. It is especially relevant for merchants that want to offer flexible buyer terms, receive funds earlier, reduce approved buyer credit risk, and automate accounts receivable.
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.
