When B2B companies need to improve cash flow and streamline payment operations, choosing the right platform becomes a defining business decision. Resolve Pay, Fundbox, and Coupa Pay represent fundamentally different approaches to solving B2B payment challenges. Fundbox provides business financing for companies that need working capital, while Coupa Pay supports enterprise procurement and supplier payment workflows. Resolve Pay delivers a specialized net terms financing solution that helps B2B sellers offer flexible payment terms to buyers while improving cash flow, reducing credit risk, and streamlining receivables. This comparison examines how Resolve Pay’s focused approach addresses the needs of B2B sellers that want to offer competitive payment terms without taking on unnecessary payment risk or manual AR work.
Resolve Pay is a seller-side B2B payments platform that combines credit underwriting, invoice financing, payment workflows, and AR automation into one solution. The platform helps merchants grow B2B sales, get paid faster, and reduce risk by streamlining net terms, accounts receivable, and payment processes.
Resolve Pay is built for manufacturers, wholesalers, distributors, and B2B ecommerce companies that sell on invoice-based payment terms. Instead of forcing sellers to wait through the full customer payment cycle, Resolve Pay can advance payment on approved invoices while buyers continue paying on their agreed terms.
The platform supports B2B payments, branded buyer payment portals, automated receivables workflows, and embedded checkout experiences. This makes Resolve Pay especially relevant for sellers that want to offer payment flexibility without building an internal credit, collections, and financing operation from scratch.
Fundbox takes a different approach. It provides business financing for companies that need access to working capital for their own operations. Businesses may use this type of financing for needs such as payroll, inventory, marketing, seasonal expenses, or short-term cash flow gaps.
Fundbox does not primarily function as a seller-side net terms platform. Its role is to provide credit access to the business applying for financing. That makes it relevant for companies that want operational funding, but it is different from a platform that helps sellers extend payment terms to their buyers while automating receivables.
Coupa Pay operates as part of Coupa’s broader enterprise spend management and procurement platform. It supports large organizations with supplier payments, payment controls, spend visibility, procurement workflows, and global payment operations.
Coupa Pay is typically aligned with buyer-side enterprise finance teams that need to manage supplier payments at scale. Its value is tied to procurement and spend management rather than helping B2B sellers offer net terms to customers.
The fundamental difference is who each platform is built to serve:
Business payment challenges remain significant. Small business lending data shows why transparent credit access matters, while the Federal Reserve payments study tracks how business payment activity continues to evolve across payment channels. For B2B sellers, the practical question is which platform helps them offer terms, get paid faster, manage buyer risk, and reduce receivables workload.
B2B sellers that want to offer net terms to buyers while maintaining healthier cash flow and reducing approved buyer repayment risk.
Resolve Pay supports QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite, Shopify, Shopify Plus, BigCommerce, Magento 2, WooCommerce, and flexible API workflows for custom environments.
Resolve Pay’s service portfolio centers on helping sellers offer flexible terms without adding unnecessary finance-team burden:
Resolve Pay helps sellers offer terms without manually managing every step of the credit-to-cash process. When a buyer requests net terms, Resolve Pay evaluates the buyer using a credit decisioning workflow that combines data signals, automation, and credit expertise.
Once a buyer is approved, the seller can offer payment terms while Resolve Pay advances funds on eligible invoices. The buyer then pays on the agreed schedule, such as Net 30, Net 60, Net 90, or custom terms. This gives buyers more time to pay while helping sellers preserve access to working capital.
The non-recourse structure is central to Resolve Pay’s value. On approved invoices, Resolve Pay assumes repayment risk according to the approval terms. That means sellers can extend terms more confidently instead of carrying the full risk of buyer default internally.
Resolve Pay is designed to protect the seller’s customer relationship. The buyer-facing payment portal can operate under the seller’s brand, allowing sellers to offer a professional payment experience without pushing customers into a disconnected third-party process.
This matters in B2B sales because payment terms often influence order size, repeat buying, and buyer loyalty. A seller that can offer flexible payment options through a branded experience can make purchasing easier while keeping the relationship centered on its own brand.
Resolve Pay’s integrations focus on B2B commerce, accounting, and ERP workflows:
For ecommerce sellers, Resolve Pay can embed net terms into checkout so qualified buyers can apply during the purchase flow. Resolve Pay’s BigCommerce recognition also reinforces its focus on native B2B ecommerce payment experiences.
Resolve Pay provides support resources for implementation, onboarding, and ongoing account management. Larger accounts may receive dedicated support from partner success resources, while documentation and help content support self-service for technical and operational questions.
For finance teams, the value is not only access to funding. Resolve Pay also reduces the operational work around credit approvals, invoice management, collections, and reconciliation. That makes the platform relevant for businesses that want to scale net terms without adding equivalent AR headcount.
Resolve Pay is best for B2B sellers that want payment terms to become a growth lever. The platform is especially relevant when sales teams need to close larger orders, finance teams need better receivables control, and leadership wants to reduce the cash flow drag of offering trade credit.
It is a strong fit for manufacturers, wholesalers, distributors, and B2B ecommerce businesses that want to offer buyer-friendly terms while using seller workflows designed around credit, invoicing, payment collection, and cash flow.
Small businesses that need access to financing for their own operating expenses.
Fundbox supports bank account connectivity and selected accounting or business software connections used for underwriting and account management.
Fundbox focuses on financing access for the business applying for credit:
A business applies for financing and connects financial information for underwriting. If approved, the business can draw funds for operational needs and repay according to the selected repayment structure.
This model can be useful for companies that need working capital to cover expenses. However, it is structurally different from Resolve Pay. Fundbox financing creates a repayment obligation for the borrowing business, while Resolve Pay focuses on helping sellers offer buyer payment terms and receive advance payment on approved invoices.
For B2B sellers whose main goal is to offer customer payment flexibility while getting paid faster, Resolve Pay aligns more directly with the credit-to-cash workflow.
Large enterprises managing supplier payments, procurement workflows, spend controls, and global payment operations.
Coupa Pay integrates with enterprise ERP and procurement ecosystems, including systems used by large finance and procurement teams.
Coupa Pay’s capabilities address enterprise payment and procurement needs:
Coupa Pay supports payment execution within an enterprise procurement environment. It helps buyer-side finance and procurement teams manage how supplier payments are approved, controlled, and executed.
This is valuable for large organizations with complex procurement operations, but it serves a different use case from Resolve Pay. Coupa Pay is centered on enterprise spend management, while Resolve Pay is centered on helping sellers offer net terms and receive faster payment on approved invoices.
B2B sellers face a specific challenge: buyers often want flexible payment terms, but sellers still need predictable cash flow. Resolve Pay addresses this by helping sellers offer terms while advancing funds on approved invoices.
This turns net terms from a cash flow burden into a practical sales and finance strategy. Instead of choosing between buyer flexibility and working capital, sellers can support both.
Resolve Pay’s non-recourse structure helps sellers reduce approved buyer repayment risk. When Resolve Pay approves a buyer and advances funds according to the approval terms, the seller keeps the advance even if that approved buyer later fails to pay.
This supports stronger credit discipline because sellers do not have to manage every credit decision manually. Resolve Pay acts as a credit team on tap by handling buyer assessment, underwriting, and repayment workflows.
Resolve Pay advances payment on approved invoices, allowing sellers to access cash sooner while buyers continue paying on terms. This is different from borrowing against the business for general working capital.
For sellers, that distinction matters. The goal is not simply to take on financing. The goal is to convert approved receivables into usable cash while preserving the buyer’s payment flexibility.
The platform also supports invoice reminders, collections, payment reconciliation, and accounting sync. This helps finance teams reduce repetitive manual work across the receivables lifecycle.
With AR automation, sellers can manage more invoices and more buyers without relying on disconnected spreadsheets, manual reminders, or separate collections tools.
For B2B ecommerce sellers, Resolve Pay can embed net terms into the checkout flow. Buyers can apply for terms during purchasing, and qualified transactions can move forward without a slow offline credit process.
Resolve Pay’s ecommerce support includes Shopify, Shopify Plus, BigCommerce, Magento 2, and WooCommerce. For custom commerce systems, API options support more tailored implementation.
Resolve Pay’s value comes from combining workflows that are often split across different systems. Credit decisions, invoice advancement, payment acceptance, collections, reconciliation, and accounting sync all work together.
That integrated structure helps sellers reduce operational friction while creating a smoother buyer experience. For B2B companies that want net terms to support growth, the platform is designed around the full seller-side workflow.
The practical decision comes down to the business problem being solved. Fundbox helps businesses access working capital for their own operations. Coupa Pay helps large enterprises manage supplier payments and procurement workflows. Resolve Pay is built for B2B sellers that want to offer payment terms, get paid faster, reduce approved buyer repayment risk, and automate receivables.
That focus makes Resolve Pay the strongest fit for manufacturers, wholesalers, distributors, and B2B ecommerce companies that see net terms as part of their growth strategy.
Resolve Pay combines buyer credit approvals, non-recourse invoice advances, payment processing, collections automation, branded buyer portals, and accounting integration in one platform. This gives sellers a practical way to offer competitive terms without building a large internal credit and AR operation.
For businesses ready to turn net terms into a revenue and cash flow advantage, Resolve Pay provides the seller-side infrastructure to support flexible buying, faster payment, and stronger receivables control.
Resolve Pay helps B2B sellers offer net terms to buyers while receiving advance payment on approved invoices. Fundbox provides financing to businesses for their own working capital needs. Coupa Pay supports enterprise procurement and supplier payment workflows. For sellers that want to offer customer payment terms while managing cash flow, Resolve Pay is the most directly aligned option.
Resolve Pay evaluates buyers and advances funds on approved invoices according to the approval terms. If an approved buyer later fails to pay, the seller keeps the approved advance and Resolve Pay assumes the repayment risk under the non-recourse structure. This helps sellers offer payment terms with more confidence.
Yes. Resolve Pay supports ecommerce workflows through integrations with Shopify, Shopify Plus, BigCommerce, Magento 2, and WooCommerce. Sellers can embed net terms into checkout so qualified buyers can apply during the purchase flow.
Resolve Pay automates parts of the receivables lifecycle, including invoicing, payment reminders, collections workflows, reconciliation, and accounting sync. This helps finance teams reduce manual follow-up while keeping buyer payment experiences consistent and professional.
Resolve Pay is best suited for B2B sellers, including manufacturers, wholesalers, distributors, and B2B ecommerce companies, that want to offer flexible payment terms while improving cash flow and reducing manual AR work. It is especially useful for businesses that want net terms to support sales growth without carrying the full credit and collections burden internally.
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.