Jun 25, 2026
When B2B companies need to offer flexible payment terms to customers while maintaining healthy cash flow, choosing the right financing platform becomes a critical business decision. Resolve Pay, Fundbox, and Behalf are often discussed in the broader B2B financing space, but they represent different approaches. Resolve Pay operates as a comprehensive net terms platform and accounts receivable solution purpose-built for B2B suppliers. Fundbox provides working capital financing for general business expenses. Behalf is no longer available as an independent customer-facing platform, which makes active alternatives important for businesses that previously relied on B2B payment terms tools. This comparison explains why Resolve Pay is a strong fit for manufacturers, distributors, wholesalers, and B2B ecommerce sellers that want to offer competitive payment terms without slowing cash flow.
Key Takeaways
- Resolve Pay supports seller-side net terms: Resolve Pay helps B2B suppliers offer flexible payment terms while improving cash flow through approved invoice advances and embedded receivables workflows.
- Resolve Pay uses non-recourse financing: For approved transactions, Resolve Pay allows merchants to keep advances even if the approved buyer does not pay.
- Resolve Pay combines credit and AR workflows: The platform brings buyer credit checks, invoice advancement, payment processing, collections, and reconciliation into one connected system.
- Fundbox serves a different need: Fundbox provides working capital financing that businesses can use for general operating expenses.
- Behalf is no longer an active option: Behalf is not operating as an independent customer-facing B2B financing platform, so former users should evaluate active solutions.
- Resolve Pay fits B2B suppliers: The platform is designed for businesses that sell to other businesses on invoice terms and want structured payment workflows.
- Flexible terms can support buyer relationships: Net terms can help suppliers give business buyers more purchasing flexibility while keeping receivables more predictable.
Why businesses compare Resolve Pay and alternatives
B2B companies compare these platforms when they need to solve a common working capital challenge: buyers expect extended payment terms, but suppliers need dependable cash flow to fund inventory, payroll, production, and operations. The Small Business Credit Survey tracks how businesses approach credit access, while Federal Reserve payments research shows how business payment activity continues to shift across digital and noncash channels.
Traditional invoice financing and factoring helped address this gap, but those models can involve recourse liability, partial advances, or workflows that feel separate from the customer relationship. Modern B2B payment platforms take a more integrated approach by combining underwriting, invoice financing, payment acceptance, collections, and accounting sync inside the same workflow.
The practical question for suppliers is which platform helps them offer competitive terms, receive payment faster, manage buyer risk effectively, and reduce manual receivables work. For B2B sellers with established revenue, Resolve Pay provides connected net terms and AR automation capabilities. For businesses needing general working capital for broad expenses, Fundbox offers business financing. For those previously using Behalf, a replacement is now needed because Behalf is no longer available as an independent customer-facing platform.
Understanding each platform's market position
Resolve Pay
Resolve Pay positions itself as a modern B2B payments platform for businesses with established B2B revenue. Resolve Pay combines embedded credit expertise, invoice advancement, payment workflows, and accounts receivable automation into a single integrated platform. The approach emphasizes relationship-focused and embedded solutions that help merchants offer payment flexibility while streamlining complex receivables workflows.
Resolve Pay is designed for sellers that want to offer buyer payment flexibility without becoming the bank for their customers. The platform supports credit approvals, invoice advancement, collections workflows, branded payment portals, and reconciliation tools that help finance teams manage receivables with less manual follow-up.
Fundbox
Fundbox represents a working capital financing model for small businesses. It is used by businesses that need access to capital for general operating needs such as payroll, inventory, cash flow gaps, or short-term expenses. This makes Fundbox different from Resolve Pay because the financing is directed toward the business borrower, not toward enabling seller-side net terms for the buyer relationship.
Behalf
Behalf was a B2B financing platform that is no longer operating as an independent customer-facing service. Public information around the company indicates that the Behalf website became inactive and the platform stopped functioning as a standalone option. Businesses previously using Behalf for B2B payment terms now need active alternatives that can support buyer financing, net terms, and receivables workflows.
The fundamental difference is market focus. Resolve Pay is optimized for US B2B sellers that want connected net terms and AR automation. Fundbox provides working capital financing for general business expenses. Behalf is no longer an active standalone option.
1. Resolve Pay for integrated B2B payments and financing
Integrations and best fit
Integrations: QuickBooks Online, Xero, Sage Intacct, NetSuite, Magento 2, BigCommerce, Shopify, WooCommerce, and API support
Best for: US B2B businesses with established revenue seeking integrated net terms, payment workflows, and AR automation
Resolve Pay is built for suppliers that want to extend net terms, manage buyer credit risk through non-recourse structures, and receive advance payment on approved invoices. The CFPB lending data highlights why transparent credit access remains important for business financial health.
Resolve Pay consolidates multiple workflows into one operating model. Sellers can use Resolve Pay for buyer credit approvals, payment workflows, collections support, invoice advancement, and accounting reconciliation. This matters for finance teams that want to reduce manual invoice follow-up, payment matching, and repetitive month-end close work.
Resolve Pay also occupies a different risk position compared with traditional receivables management. The platform provides non-recourse financing on approved invoices and can advance payment on approved transactions while buyers keep their agreed payment terms. Combined with ERP and ecommerce integrations, business credit checks, and positioning as a factoring alternative, Resolve Pay provides substantial depth for supplier cash flow management.
Key features
- Buyer credit decisioning: AI-powered evaluation workflows help sellers make informed credit extension decisions without slow manual review processes.
- Non-recourse financing: Approved invoices can be financed in a way that helps sellers reduce exposure to buyer default risk.
- Approved invoice advances: Resolve Pay helps suppliers receive cash faster while buyers keep their payment terms.
- AR automation workflows: The platform supports invoicing, reminders, collections, reconciliation, and receivables management.
- Native integrations: Resolve Pay connects with major ERP, accounting, and ecommerce platforms to support cleaner data flow.
- White-label payment portals: Buyers can pay through ACH, wire transfer, credit card, or check while sellers maintain consistent branding through B2B payment portals.
- Credit line recommendations: Buyer credit limits are customized and subject to verification and approval.
Strengths for B2B suppliers
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.
The solution supports collaboration across sales, finance, ecommerce, and operations teams with unified data and workflows. Sellers can use flexible payment terms as a growth lever without expanding in-house credit and collections operations.
Resolve Pay also supports ecommerce and ERP implementation paths for teams that need their payments infrastructure to work with existing systems. For businesses selling through online storefronts, sales reps, invoices, or hybrid channels, Resolve Pay can create a more consistent payment terms experience across the buyer journey.
Best fit
Resolve Pay is best for suppliers, distributors, manufacturers, wholesalers, and B2B ecommerce businesses operating primarily in US markets. The platform is especially relevant when finance, AR, ecommerce, and ERP stakeholders need one coordinated system for credit evaluation, invoice management, payment processing, collections, and accounting reconciliation.
2. Fundbox
Key features
Fundbox provides business financing that companies can draw on for different operating needs. The model is not centered on buyer credit programs or embedded seller-side net terms. Instead, it gives the business borrower access to capital that can be used across business expenses.
Typical use cases include:
- Short-term cash flow needs
- Payroll or inventory timing
- Operational expenses
- Seasonal working capital gaps
- General business purchases
Fundbox's approach
Fundbox operates as a business financing provider. Businesses apply for credit and use approved funds for broad operating purposes. The business remains responsible for repayment under the financing arrangement, regardless of whether its own customers pay invoices on time.
This makes Fundbox useful for companies that want general working capital flexibility, but it is a different model from Resolve Pay. Resolve Pay is designed around B2B seller workflows, buyer credit decisions, net terms, payment portals, AR automation, and approved invoice advancement.
3. Behalf
What happened to Behalf
Behalf was once known in the B2B financing space, but it is no longer operating as an independent customer-facing platform. The Behalf website is not functioning as a standard active financing platform, and the company does not appear to onboard new customers through a standalone service.
For B2B sellers that previously used Behalf or considered it for buyer payment terms, this creates a practical need to evaluate active platforms that can support net terms and receivables workflows.
Options for former Behalf users
Businesses previously using Behalf for B2B payment terms should evaluate active alternatives that support seller-side financing, buyer payment flexibility, credit checks, and receivables automation. Resolve Pay offers a strong path for these needs because it combines non-recourse financing, net terms management, branded payment portals, and ecommerce integrations in one platform.
The migration priority should be continuity. Former Behalf users should look for a platform that can support buyer applications, approved invoice advances, customer-facing payment portals, collections workflows, and accounting synchronization without creating unnecessary disruption for finance or sales teams.
Why Resolve Pay delivers strong value for US B2B businesses
US-based B2B businesses with established revenue face specific challenges that make Resolve Pay's approach particularly relevant. The US Census Bureau tracks ecommerce activity across the economy, showing why digital commerce infrastructure continues to matter for businesses that sell through online and hybrid channels.
Resolve Pay's integrated approach addresses multiple pain points at once.
Integrated risk management
Non-recourse financing on approved invoices provides structured support against buyer default risk, allowing sellers to extend credit with greater confidence. This is especially useful for companies that want to offer net terms but do not want to absorb the full operational burden of credit assessment, collections, and repayment risk.
Faster cash conversion
Approved invoice advances help sellers offer net terms without waiting through the full buyer repayment period. Instead of forcing suppliers to choose between customer flexibility and cash flow, Resolve Pay helps connect both needs in one workflow.
Unified workflow
Combining credit decisions, invoice advancement, payment processing, collections, and accounting sync in one platform reduces the complexity of managing disconnected tools. Finance teams can manage receivables through a more centralized process instead of relying on separate spreadsheets, payment tools, follow-up tasks, and manual reconciliation.
Operational efficiency
AI-powered automation for invoicing, reminders, collections, and reconciliation helps reduce the manual workload that often burdens finance teams managing receivables. Resolve Pay's agentic collections capabilities can support outbound collections workflows while logging outcomes for better follow-up and visibility.
Sales impact
Flexible payment terms can support stronger buyer relationships by giving customers more room to purchase what they need while paying on agreed terms. For suppliers, this can turn payment flexibility into a sales enablement tool rather than a purely back-office function.
US market alignment
Resolve Pay is built around the needs of US B2B sellers that want embedded net terms, risk reduction, payment workflows, and AR automation in one system. The platform is designed for merchants, manufacturers, wholesalers, distributors, and B2B ecommerce businesses that want to grow sales while keeping receivables under control.
For US B2B businesses seeking modern payment capabilities, Resolve Pay represents a practical evolution in B2B financing. The combination of structured risk management, approved invoice advancement, and integrated workflows addresses the core challenges businesses face when trying to offer competitive payment terms.
Resolve Pay's white-label deployment helps preserve merchant branding throughout the buyer experience. Buyers can interact with a branded payment portal instead of feeling redirected into a disconnected third-party finance process.
Final thoughts: Resolve Pay for seller-side net terms
The practical decision centers on matching the platform's core strengths to the workflow challenges that matter most for the business. For seller-side net terms, faster cash conversion, structured risk management on approved invoices, and integrated AR automation, Resolve Pay connects buyer approvals, seller payment advances, collections workflows, and accounting reconciliation in one unified system.
Fundbox provides working capital when the primary requirement is general financing for business expenses. Behalf is no longer available as an independent customer-facing platform. When the core challenge is helping B2B buyers access flexible payment terms without slowing seller cash flow or expanding in-house receivables operations, Resolve Pay delivers aligned capabilities.
Resolve Pay's approach changes how suppliers manage payment terms. Rather than choosing between competitive payment options and healthy cash flow, B2B suppliers can offer both through a platform designed for credit, receivables, and payments.
The platform's ecommerce and ERP integrations help sellers bring net terms into existing workflows across channels such as BigCommerce, Shopify, Magento 2, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and NetSuite. Buyers can apply for terms through connected workflows, while sellers gain better visibility into approvals, invoices, payments, and reconciliation.
For businesses ready to use net terms as a growth driver, Resolve Pay provides the credit infrastructure, risk protection, cash flow support, and operational automation that turn extended payment terms from a working capital burden into a competitive advantage.
Frequently Asked Questions
What happened to Behalf and can I still use its platform?
Behalf is no longer operating as an independent customer-facing B2B financing platform. Its website is not functioning as a standard active financing service, and businesses should evaluate current alternatives if they need buyer payment terms, invoice financing, or receivables workflows. Resolve Pay is a strong option for businesses that need net terms functionality with non-recourse financing and AR automation.
How does Resolve Pay's non-recourse financing differ from Fundbox's model?
With Resolve Pay's non-recourse structure, merchants keep their advances on approved invoices even if approved buyers fail to pay. Resolve Pay assumes the credit risk on underwritten transactions. Fundbox provides business financing to the company borrower, and that business remains responsible for repayment under its financing arrangement. This difference matters for suppliers that want to offer buyers payment terms while reducing their own credit exposure.
What types of businesses get the most value from Resolve Pay?
Resolve Pay delivers the most value for B2B suppliers, including manufacturers, distributors, wholesalers, and ecommerce sellers that sell to other businesses on invoice terms. These companies benefit from integrated credit underwriting, AR automation, payment portals, and non-recourse protection. Resolve Pay is designed for businesses with established B2B revenue that want to scale net terms without building a larger internal credit and collections operation.
How quickly can Resolve Pay support payment terms workflows?
Resolve Pay is designed to support payment terms workflows through native integrations, API options, and onboarding support. Timing depends on the business's systems, channel mix, data readiness, and integration needs. For many sellers, the key advantage is that Resolve Pay brings credit decisions, invoice advancement, collections, and reconciliation into one connected workflow.
Can Resolve Pay help if I need actual net terms capabilities beyond basic working capital?
Yes. Resolve Pay is purpose-built for B2B payment terms infrastructure. The platform supports buyer credit decisioning, net terms at checkout, automated collections, branded payment portals, payment acceptance, accounting sync, and non-recourse protection. For businesses serious about scaling B2B sales through competitive payment terms, Resolve Pay provides a more complete seller-side workflow than general working capital financing alone.
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.
