When B2B companies evaluate financing and payment solutions, choosing between Resolve Pay, Capchase, and Settle requires understanding a critical distinction: the platforms support different financial workflows. Resolve Pay specializes in net terms financing and accounts receivable automation for manufacturers, distributors, wholesalers, and other B2B sellers. Capchase focuses on financing annual and multi-year technology contracts, while Settle centers on procurement, vendor payments, and working capital for consumer brands. For B2B companies that need to offer flexible payment terms while maintaining healthy cash flow, Resolve Pay provides an integrated platform built for seller-side trade credit.
Businesses compare Capchase and Settle alternatives when payment flexibility, supplier cash flow, or operational efficiency becomes a constraint. For seller-led B2B businesses, the pressure point is often straightforward: they want to offer net terms to win larger orders and strengthen buyer relationships, but they cannot afford to wait through extended collection cycles or manage every payment reminder manually.
The Small Business Credit Survey tracks business performance, credit access, and financing conditions across US small businesses. Meanwhile, Federal Reserve payments research provides broader information about changes in noncash payment activity.
Modern payment platforms can connect credit checks, invoicing, payment processing, follow-up, and accounting reconciliation. Instead of treating these functions as separate finance tasks, an integrated platform helps sellers manage the credit-to-cash process through a coordinated workflow.
The appropriate platform depends on which side of the transaction a company needs to improve:
Resolve Pay operates as a B2B payments and net terms platform combining financing, accounts receivable automation, business credit decisioning, payment acceptance, collections workflows, and reconciliation.
The company originated as the B2B payments business developed within Affirm. Its platform is designed to help merchants offer Net 30, Net 60, Net 90, or customized terms while receiving advance payment on approved invoices. Resolve Pay serves more than 15,000 businesses and is particularly relevant to manufacturers, distributors, wholesalers, industrial suppliers, and B2B ecommerce sellers.
Capchase provides vendor financing for technology companies selling annual or multi-year contracts. Its current positioning focuses on helping software and hardware vendors receive booked contract revenue upfront while allowing qualified buyers to use flexible payment arrangements.
The platform also supports technology sales teams, finance teams, channel partners, and resellers. Capchase operates across several countries and offers integrations intended to incorporate financing into technology sales and contract workflows.
Settle provides procurement, accounts payable, vendor payment, and working capital tools for consumer brands. Its platform is designed to help inventory-led businesses organize purchase orders, manage bills, route approvals, pay vendors, track landed costs, and access financing for inventory and operating needs.
Settle primarily addresses the procure-to-pay side of a company’s financial operations rather than customer-facing accounts receivable.
The central distinction is that Resolve Pay helps B2B sellers extend credit and get paid faster, Capchase helps technology vendors access revenue from eligible contracts, and Settle helps consumer brands purchase inventory and pay suppliers.
Integrations: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite, Magento, BigCommerce, Shopify, WooCommerce, and flexible API connections
Best for: Established B2B sellers seeking integrated net terms, buyer credit decisioning, payment workflows, invoice advancement, and AR automation
Resolve Pay is built for suppliers that want to extend net terms, manage buyer credit risk through a non-recourse structure, and receive advance payment on approved invoices. The platform is particularly relevant to businesses that regularly sell goods or services to other companies on invoice terms.
Rather than requiring finance teams to coordinate separate tools for underwriting, invoicing, payment acceptance, reminders, collections, and reconciliation, Resolve Pay brings these workflows together in one platform.
Resolve Pay’s non-recourse financing structure helps sellers reduce exposure to nonpayment on approved transactions. When an eligible invoice is advanced and the approved buyer does not pay, the seller generally retains the advance according to the applicable agreement.
The platform also combines functions that are often handled by multiple departments or service providers:
This coordinated model can reduce manual work and improve visibility across the receivables lifecycle. Finance teams can review buyer credit, outstanding invoices, payment activity, and collection status without maintaining separate spreadsheets or repeatedly transferring information between systems.
Resolve Pay also operates as a modern factoring alternative. Its approach connects financing to a broader credit-to-cash platform while allowing the seller to preserve a branded customer experience.
Resolve Pay is designed for B2B businesses with at least $1 million in annual B2B revenue, subject to underwriting and platform eligibility. Relevant business types include:
The platform is especially relevant when finance, sales, ecommerce, and accounting teams need one coordinated system for credit evaluation, invoice management, payment processing, collections, and reconciliation.
Capchase is designed primarily for technology vendors that want to convert booked revenue from annual or multi-year contracts into immediate cash. Its vendor financing platform allows qualified buyers to follow a payment schedule while the vendor receives eligible contract value upfront.
Capchase is aligned with:
Capchase’s eligibility requirements vary by product, transaction structure, geography, and company profile. Businesses should review the requirements for the specific financing product they are considering rather than relying on a single revenue threshold.
Settle is designed for consumer brands that need to manage purchasing, accounts payable, vendor payments, and inventory-related working capital. It supports the process that begins when a company creates a purchase order and continues through goods receipt, bill approval, vendor payment, and cost tracking.
Settle primarily serves:
Settle is therefore most relevant when the primary challenge is purchasing inventory and paying vendors rather than extending trade credit to customers.
US-based B2B sellers often face a difficult tradeoff. Buyers expect favorable payment terms, but extending those terms can delay cash collection and create more credit and collections work for the seller.
The CFPB lending resources illustrate the continued importance of transparent credit access and business financing. Resolve Pay addresses the seller-side challenge through a combination of funding, underwriting, payments, and AR automation.
Resolve Pay evaluates business buyers and provides non-recourse advancement on approved invoices. This structure helps sellers offer credit while transferring the applicable nonpayment risk to Resolve Pay under the financing agreement.
Credit limits and approvals remain subject to buyer verification, underwriting, transaction details, and Resolve Pay’s discretion.
Resolve Pay can advance approved invoice amounts without requiring the seller to wait until the buyer’s payment term expires. The exact advance percentage may vary by transaction and buyer risk profile.
This model can help sellers fund payroll, inventory, fulfillment, and growth while continuing to offer payment terms to qualified customers.
Resolve Pay brings together:
This reduces the need to coordinate separate credit bureaus, financing providers, payment processors, collection services, and manual bookkeeping processes.
Resolve Pay can embed payment terms within ecommerce and sales workflows. Eligible buyers can apply for credit or select approved terms without being redirected into an unrelated consumer checkout experience.
Connections with Shopify, BigCommerce, Magento, WooCommerce, NetSuite, QuickBooks Online, Xero, and Sage Intacct help merchants align buyer approvals with order, invoice, payment, and accounting data.
Resolve Pay also received the 2025 BigCommerce Innovative Integration Award, recognizing an integration designed to help B2B merchants offer net terms within their commerce workflows.
The practical decision is not about choosing the platform with the longest feature list. It is about matching each platform’s primary workflow to the financial problem a business needs to solve.
US Census ecommerce data tracks the continued role of digital commerce in business activity. As more B2B orders move through digital channels, sellers need payment and credit processes that work across ecommerce, field sales, invoices, and traditional account relationships.
Capchase supports technology vendors that want to finance eligible annual and multi-year contracts. Settle supports consumer brands managing procurement, inventory expenses, and vendor payments. Resolve Pay focuses on helping B2B sellers extend terms, accelerate payment on approved invoices, manage buyer risk, and automate receivables.
For manufacturers, distributors, wholesalers, and other established B2B sellers, Resolve Pay provides a unified platform for credit decisioning, net terms, invoice advancement, payment processing, collections, and reconciliation. This makes it a strong fit for companies that want to turn trade credit into a growth tool without expanding manual AR operations.
Resolve Pay supports accounts receivable and seller-provided net terms. Capchase finances eligible annual and multi-year technology contracts. Settle supports procurement, accounts payable, vendor payments, and inventory-related working capital. Manufacturers, distributors, wholesalers, and other B2B sellers extending invoice terms are generally most closely aligned with Resolve Pay’s credit-to-cash model.
Resolve Pay evaluates buyers and may advance funds on approved invoices. If an approved buyer does not pay, the seller generally keeps the advance under Resolve Pay’s non-recourse structure, subject to the applicable agreement and transaction requirements. Resolve Pay also manages associated credit, payment, reminder, and collections workflows.
Yes. Resolve Pay supports integrations with QuickBooks Online, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. Its flexible APIs can also support custom commerce and back-office systems. Integration scope and launch requirements depend on the merchant’s platform, configuration, data structure, and desired workflow.
Resolve Pay promotes fast payment on approved invoices, with certain advances reaching the seller within approximately one business day. Timing can vary based on invoice approval, buyer verification, banking processes, transaction details, and the merchant’s specific arrangement with Resolve Pay.
Resolve Pay is built for established B2B sellers, particularly manufacturers, distributors, wholesalers, industrial suppliers, and ecommerce merchants that offer invoice terms. Businesses generally need at least $1 million in annual B2B revenue and must meet underwriting and eligibility requirements. It is especially useful for companies seeking to combine net terms, cash flow acceleration, credit management, and AR automation.
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.