When B2B suppliers need to offer flexible payment terms while maintaining healthy cash flow, choosing the right financing solution becomes critical. Resolve Pay, Fundbox, and Apruve, now part of TreviPay, represent different approaches to B2B payment challenges. Fundbox operates as a working capital lender for businesses that need access to capital. Apruve became part of TreviPay and is associated with enterprise B2B trade credit infrastructure. Resolve Pay delivers a comprehensive net terms financing platform purpose-built for B2B suppliers that want to offer competitive payment terms without slowing cash flow or carrying unnecessary buyer credit risk.
Understanding payment flexibility and working capital access remains essential for growing businesses. The Small Business Credit Survey tracks business performance, credit access, and financing conditions across US small businesses, while Federal Reserve payments research shows how payment activity continues to evolve across commercial channels. For suppliers, the practical question is which platform helps them offer terms, receive payment faster, manage buyer risk, and reduce receivables work.
Businesses compare these platforms when supplier cash flow, payment flexibility, or operational efficiency becomes limiting. For seller-led businesses, the pressure point is often clear: they want to offer net terms to win larger orders and build stronger buyer relationships, but they cannot afford to wait through extended collection cycles or manage every payment reminder manually.
Modern payment platforms change the operating model by connecting credit checks, invoice follow-up, payment processing, and accounting reconciliation. Instead of treating these as separate finance tasks, integrated platforms help sellers manage the credit-to-cash process from a unified system.
For businesses evaluating Fundbox, the focus typically centers on immediate working capital needs. For businesses evaluating Apruve through TreviPay, the question often involves enterprise-scale trade credit programs, global operations, and complex procurement workflows. For B2B suppliers that want to offer payment terms directly to buyers while protecting cash flow, Resolve Pay provides a more aligned platform for the seller workflow.
Resolve Pay integrates with QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite, Magento 2, BigCommerce, Shopify, WooCommerce, and API-supported workflows through its integration platform.
Resolve Pay is best for US B2B businesses with established revenue that need integrated net terms, payment workflows, and AR automation.
Resolve Pay is built for suppliers that want to extend net terms, manage buyer credit risk, and receive advance payment on approved invoices. The platform supports sellers that want to offer Net 30, Net 60, Net 90, or custom payment terms while avoiding the traditional strain of waiting through long receivables cycles.
The platform addresses the B2B payment lifecycle through an integrated approach. Sellers can use Resolve Pay for buyer credit approvals, payment workflows, collections support, invoice advancement, and accounting reconciliation. That matters for finance teams that want to reduce manual invoice follow-up, payment matching, and repetitive month-end close work.
Resolve Pay occupies a different risk position from traditional receivables management. The platform provides non-recourse financing on approved invoices and can advance approved invoice value within a short payment window. The CFPB lending data highlights why transparent credit access and small business financing remain important for business financial health.
Resolve Pay helps US B2B sellers offer competitive payment terms while maintaining healthier cash flow through structured advance payment on approved invoices. The platform connects credit decisioning, invoice advancement, payment processing, collections, and accounting reconciliation in one integrated workflow.
This approach supports collaboration across sales, finance, ecommerce, and operations teams. Sales teams can offer payment flexibility to qualified buyers, while finance teams gain better visibility into receivables, collections, and payment status. Ecommerce teams can embed net terms into checkout, and operations teams can reduce the manual handoffs that often slow order processing.
Resolve Pay also helps sellers use flexible payment terms as a growth lever without expanding in-house credit and collections operations. For businesses selling through ecommerce channels, embedded ecommerce net terms can help buyers complete purchases through a more B2B-friendly checkout experience.
Resolve Pay is best for suppliers, distributors, manufacturers, wholesalers, and B2B ecommerce businesses operating primarily in US markets with established B2B revenue. The platform is especially strong when finance, AR, ecommerce, and ERP stakeholders need one coordinated system for credit evaluation, invoice management, payment processing, collections, and accounting reconciliation.
Companies in construction materials, industrial equipment, medical supplies, lighting, and specialty wholesale can find particular value in Resolve Pay’s integrated approach. These industries often rely on invoice-based buying relationships, repeat purchasing, and customer-specific payment expectations.
Fundbox takes a different approach as a working capital lender. It provides business financing for companies that need access to funds for internal operating needs such as payroll, inventory, equipment, marketing, or short-term cash flow gaps.
Fundbox does not function as a seller-led net terms platform. It lends directly to the business itself. This can be useful when the primary need is working capital, but it addresses a different problem than a platform designed to help suppliers offer payment terms to their buyers.
Fundbox financing creates a borrower obligation for the business that receives funds. The business must repay the financing based on the agreed structure, regardless of whether its own customers pay invoices on time.
This model can serve businesses that need general working capital. For suppliers specifically trying to offer buyer payment terms while reducing receivables risk, Resolve Pay is more closely aligned with the credit-to-cash workflow because it focuses on approved buyer invoices, seller cash flow, and receivables automation.
Apruve was acquired by TreviPay in 2022. Today, Apruve is best understood as part of TreviPay’s broader enterprise B2B payments and trade credit infrastructure rather than a standalone platform.
TreviPay focuses on B2B payments, invoicing, order-to-cash workflows, and managed payment programs for larger organizations. Its infrastructure supports complex procurement workflows, buyer networks, and enterprise payment requirements.
Enterprise B2B payment programs typically involve multiple stakeholders across finance, IT, ecommerce, procurement, legal, and operations. Apruve’s role within TreviPay is associated with that enterprise payment environment, where implementation scope depends on the buyer network, internal systems, and operational requirements.
This approach can fit large organizations with global payment needs and internal resources for enterprise deployment. For mid-market US suppliers that want to move faster with embedded net terms, receivables automation, and advance payment on approved invoices, Resolve Pay provides a more focused path.
Mid-market B2B suppliers face specific challenges that make Resolve Pay’s approach particularly relevant. These companies often do not need global enterprise infrastructure spanning many countries, nor do they need simple working capital financing that creates repayment obligations for the business. They need practical cash flow support, manageable risk structures, and implementation paths that fit existing ecommerce, ERP, and accounting systems.
Resolve Pay’s integrated approach addresses multiple pain points at the same time. The non-recourse financing structure on approved invoices provides support against buyer default risk, allowing sellers to extend credit with greater confidence. Advance payment on approved invoices helps sellers offer net terms without waiting through the full buyer repayment period. The unified workflow combining credit decisions, invoice advancement, payment processing, collections, and accounting sync reduces the complexity of managing disconnected tools.
AI-powered automation for invoicing, reminders, collections, and reconciliation helps reduce the manual workload that often burdens finance teams managing receivables. Resolve Pay’s focus on B2B sellers means the platform is built around the needs of businesses that want embedded net terms, risk reduction, payment workflows, and AR automation in one system.
The US Census Bureau tracks ecommerce activity across the economy, showing why digital buying workflows remain important for modern B2B businesses. For companies ready to turn payment terms into a growth driver, Resolve Pay delivers aligned solutions that help sellers win larger orders through flexible terms while maintaining the cash flow visibility needed to fund operations and growth.
Resolve Pay also supports teams that want to modernize receivables without turning every customer payment into a manual finance task. Through net terms management, sellers can streamline credit checks, payment workflows, reminders, and collections while preserving a branded buyer experience.
Resolve Pay is the strongest fit for B2B suppliers that want to offer net terms, get paid faster, reduce receivables workload, and manage buyer credit risk in one integrated platform. Fundbox is better understood as a working capital financing option for businesses that need funds for internal use. Apruve, now part of TreviPay, is more closely associated with enterprise B2B payment and trade credit infrastructure.
For manufacturers, distributors, wholesalers, and B2B ecommerce companies, Resolve Pay provides the most directly aligned workflow: embedded buyer credit, advance payment on approved invoices, non-recourse financing, payment acceptance, collections support, and accounting sync. That makes Resolve Pay a practical choice for suppliers that want to turn net terms into a growth channel without carrying the full burden of receivables management internally.
Resolve Pay and Fundbox solve different problems. Fundbox provides working capital financing that a business borrows and repays. Resolve Pay helps sellers offer net terms to customers while receiving advance payment on approved invoices. For suppliers that want buyer-facing payment terms, credit decisioning, collections workflows, and receivables automation, Resolve Pay is built around the more relevant workflow.
Apruve is now part of TreviPay and is associated with enterprise B2B payment and trade credit infrastructure. Resolve Pay is focused on B2B suppliers that want embedded net terms, non-recourse financing on approved invoices, AR automation, and faster payment through a more supplier-centered platform. For US mid-market suppliers, Resolve Pay offers a practical path to modernize net terms without taking on a broad enterprise payment program.
Resolve Pay is built for B2B manufacturers, distributors, wholesalers, and ecommerce businesses that sell to other businesses on invoice-based payment terms. These companies benefit from offering Net 30, Net 60, Net 90, or custom terms while using Resolve Pay to support credit checks, advance payment, collections workflows, and receivables automation.
Yes. Resolve Pay integrates with ecommerce, accounting, and ERP systems such as QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite, Shopify, BigCommerce, Magento 2, and WooCommerce. The platform also supports API-based workflows for businesses that need more customized integration support.
Resolve Pay helps suppliers manage the full credit-to-cash workflow in one platform. Sellers can offer flexible buyer payment terms, receive advance payment on approved invoices, reduce manual AR work, support collections, and sync payment activity with accounting systems. For B2B suppliers, that makes Resolve Pay a strong option for growing sales while keeping cash flow and receivables operations under control.
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.