Jun 25, 2026
When B2B companies need to accelerate cash flow while offering competitive payment terms, choosing the right invoice financing provider becomes critical. Resolve Pay, Fundbox, and FundThrough represent three distinct approaches to B2B payment challenges. Fundbox operates as a working capital provider offering revolving credit lines. FundThrough provides invoice factoring services. Resolve Pay delivers a comprehensive net terms financing platform combining non-recourse financing on approved invoices, AR automation, and ecommerce integration. Small Business Credit Survey data shows that working capital access remains a recurring concern for growing businesses, while Federal Reserve research tracks how business payment activity continues evolving across noncash channels.
Key Takeaways
- Resolve Pay supports seller-side net terms: Resolve Pay helps B2B sellers offer flexible payment terms while receiving faster payment on approved invoices.
- Non-recourse financing reduces seller risk: Resolve Pay assumes credit risk on approved buyers, helping sellers protect cash flow when offering net terms.
- AR automation improves receivables workflows: Resolve Pay combines invoicing, payment reminders, collections workflows, reconciliation, and reporting in one platform.
- Embedded checkout supports B2B ecommerce: Resolve Pay integrates with ecommerce platforms so buyers can apply for terms within the purchasing flow.
- Fundbox focuses on working capital: Fundbox is designed for businesses seeking revolving credit for general operating needs rather than seller-side net terms management.
- FundThrough focuses on invoice factoring: FundThrough advances funds against existing invoices, making it different from Resolve Pay’s embedded net terms approach.
Why businesses compare Fundbox and FundThrough alternatives
B2B companies compare these platforms when cash flow, payment flexibility, or operational efficiency becomes a limiting factor. The core challenge often centers on offering competitive net terms to win larger orders while avoiding extended collection cycles and manual accounts receivable work.
Modern payment platforms connect credit checks, invoice management, payment processing, and accounting reconciliation into unified systems. Instead of treating these as separate finance tasks, integrated platforms help sellers manage complete credit-to-cash processes. CFPB lending data highlights why transparent access to small business credit remains important for business financial health.
Businesses evaluating Fundbox typically seek flexible working capital for business expenses. Those considering FundThrough often need invoice factoring for receivables that already exist. The right decision starts with understanding which workflow focus best matches the business need.
Understanding each platform's market position
Resolve Pay
Resolve Pay positions itself as a comprehensive B2B net terms platform, enabling businesses to offer Net 30, Net 60, Net 90, or custom payment terms while receiving faster payment on approved invoices. Resolve Pay grew from the team behind Affirm’s B2B payments work and is built for merchants, manufacturers, distributors, wholesalers, and B2B ecommerce sellers that want to grow sales, streamline receivables, and reduce credit risk.
Resolve Pay's approach emphasizes simple, relational, and embedded payment workflows that strengthen buyer relationships while streamlining finance operations. The platform supports buyer 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 operates as a general working capital provider. Rather than focusing on invoice-specific net terms infrastructure for sellers, Fundbox provides access to revolving credit that businesses can use for operating needs such as payroll, inventory, supplies, or other expenses. This approach fits companies that primarily need flexible capital for their own business operations.
FundThrough
FundThrough operates as an invoice factoring platform. The company focuses on post-invoice cash acceleration, advancing funds against invoices that already exist rather than enabling net terms at the point of sale.
The fundamental difference lies in workflow focus: Fundbox provides general working capital, FundThrough accelerates existing receivables, while Resolve Pay enables businesses to offer competitive net terms as a growth strategy while adding non-recourse financing protection on approved transactions.
1. Resolve Pay for integrated B2B net terms and AR automation
Integrations
Resolve Pay supports integrations with QuickBooks Online, NetSuite, Xero, Sage Intacct, BigCommerce, Shopify, Magento, WooCommerce, and API-based workflows through its integration platform.
Best fit
Resolve Pay is best for US B2B manufacturers, distributors, wholesalers, and ecommerce sellers with established B2B revenue seeking integrated net terms, non-recourse financing, AR automation, and embedded payment workflows.
Resolve Pay delivers the most comprehensive solution in this comparison when the business priority is accelerating cash conversion while offering flexible buyer payment terms. The platform serves B2B companies that want to extend net terms, manage buyer credit risk through non-recourse structures, and receive advance payment on approved invoices.
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 wanting to reduce manual invoice follow-up, payment matching, and repetitive month-end close work.
The platform provides non-recourse financing on approved invoices, with advances based on buyer approval and invoice eligibility. 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 through AI-powered evaluation workflows that help sellers make informed credit extension decisions without slow manual review processes
- Non-recourse financing on approved invoices, allowing sellers to extend payment terms with reduced balance sheet exposure
- Invoice advance options on approved transactions, helping reduce the cash flow impact of standard net terms
- AR automation workflows for invoicing, payment reminders, collections, reconciliation, and receivables management
- Native integrations with major ERP, accounting, and ecommerce platforms to support streamlined data flow
- White-label B2B payment portals that allow buyers to pay through ACH, wire transfer, credit card, or check while sellers maintain consistent branding
- Smart Credit Engine workflows that support fast decisions for qualified purchases
- Accounting and ERP sync options that help reduce manual reconciliation work
Strengths
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 customer-facing experiences through branded portals and embedded checkout flows. That matters for B2B sellers that want to preserve buyer relationships while still improving payment operations behind the scenes.
Client examples show how Resolve Pay can support growth and receivables efficiency. SSSI Dealer Network used Resolve Pay to support major revenue growth, ConEquip used net terms to strengthen customer relationships, and Nandansons used a unified B2B payment solution to support sales growth.
Best fit
Resolve Pay is best for suppliers, distributors, manufacturers, wholesalers, and B2B ecommerce businesses operating primarily in US markets that want to win larger orders through ecommerce net terms while maintaining healthy cash flow. The platform is especially effective when finance, AR, ecommerce, and ERP stakeholders need one coordinated system for credit evaluation, invoice management, payment processing, collections, and accounting reconciliation.
2. Fundbox
Fundbox provides revolving lines of credit for small businesses needing flexible working capital. The platform focuses on accessibility, offering capital that businesses can use for business expenses rather than seller-side net terms management.
Fundbox can fit businesses that need operating capital for expenses such as payroll, inventory, supplies, marketing, or short-term cash flow gaps. The platform functions as business financing rather than an embedded net terms system for approving buyers, advancing seller invoices, and automating receivables.
Key features
- Revolving line of credit structure for general business use
- Fast application and approval workflow
- Funds available for multiple operating needs
- Accounting or bank connections used during underwriting
- Flexible draw and repayment structure
Fundbox operates as financing for the business itself. For sellers whose main challenge is offering net terms to buyers while improving receivables operations, Resolve Pay provides a more directly aligned workflow because it connects buyer credit approvals, invoice advancement, payment workflows, and AR automation.
3. FundThrough
FundThrough operates as an invoice factoring platform, advancing funds against invoices that already exist. The company focuses on post-invoice cash acceleration rather than enabling net terms at the point of sale.
FundThrough can fit B2B and B2G companies that have eligible invoices and want to access cash before customers pay. This approach is most relevant when a seller already has invoices outstanding and wants factoring support for receivables.
Key features
- Invoice factoring based on eligible receivables
- Funding tied to existing invoices
- Accounting platform connections for invoice review
- Spot factoring options for businesses with occasional factoring needs
- Receivables-based workflow rather than checkout-based net terms enablement
FundThrough’s model focuses on accelerating cash from existing invoices. Resolve Pay is different because it helps sellers offer terms earlier in the buyer journey, automate receivables workflows, and preserve a branded buyer payment experience through embedded net terms and payment portals.
Why Resolve Pay delivers comprehensive value for B2B sellers
US-based B2B businesses with established revenue face specific challenges that make Resolve Pay's approach particularly relevant. These companies often need practical cash flow solutions, manageable risk structures, and implementation paths that fit existing ecommerce, ERP, and accounting systems.
Resolve Pay's integrated approach addresses multiple challenges simultaneously.
Integrated risk management
Non-recourse financing on approved invoices provides structured support against buyer default risk, allowing sellers to extend credit with greater confidence. With Resolve Pay, approved cash advances are non-recourse, so sellers keep the advance even if an approved buyer defaults.
Faster cash conversion
Advance payment on approved invoices helps sellers offer net terms without waiting through full buyer repayment periods. This accelerates working capital availability while maintaining competitive payment flexibility for customers.
Unified workflow
Combining credit decisions, invoice advancement, payment processing, collections, and accounting sync in one platform reduces the complexity of managing disconnected tools. This consolidation helps finance teams reduce manual work across the credit-to-cash process.
Operational efficiency
AI-powered automation for invoicing, reminders, collections, and reconciliation helps finance teams spend less time on repetitive receivables work. Teams can redirect effort from manual follow-up and payment matching to higher-value finance and revenue operations.
Ecommerce integration
Native checkout integrations mean B2B buyers can apply for and receive net terms during the purchase flow. This capability supports B2B ecommerce sellers that want to offer embedded payment flexibility without building credit and collections infrastructure from scratch.
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 serves established B2B companies, especially manufacturers, distributors, wholesalers, and ecommerce sellers.
US Census data tracks ecommerce activity across the economy, showing why digital payment infrastructure matters for businesses selling through online and hybrid channels. For companies seeking modern payment capabilities without enterprise complexity, Resolve Pay represents a practical evolution in B2B payments that addresses core challenges mid-market domestic businesses face when offering competitive payment terms.
Final thoughts: Resolve Pay for seller-side net terms growth
For B2B sellers, the practical decision centers on matching the platform to the workflow challenge. If the goal is general working capital, a business credit line may address short-term operating needs. If the goal is factoring an invoice that already exists, invoice factoring may address a specific receivable.
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 provides the strongest alignment. The platform connects buyer approvals, seller payment advances, branded buyer payment portals, collections workflows, and accounting reconciliation in one unified system.
Resolve Pay is especially well suited for manufacturers, distributors, wholesalers, and B2B ecommerce businesses that want to use net terms as a growth lever while keeping cash flow, risk management, and AR operations under control. Its combination of non-recourse financing on approved invoices, embedded payments, and accounts receivable automation makes it a focused platform for B2B sellers that want to grow revenue and get paid faster.
Frequently Asked Questions
What is the main difference between Resolve Pay and traditional invoice factoring?
Resolve Pay is a modern alternative to traditional factoring for B2B sellers wanting to offer net terms and receive advance payment on approved invoices. Traditional factoring typically centers on selling or financing existing receivables for working capital. Resolve Pay combines credit checks, invoice advancement, payment workflows, collections support, and AR automation in one platform. The non-recourse structure also helps sellers reduce risk on approved transactions.
How does Resolve Pay's non-recourse financing protect businesses?
With recourse financing, businesses may remain liable for repayment if customers do not pay their invoices. Resolve Pay's non-recourse model means Resolve Pay assumes the credit risk on approved buyers. If an approved buyer defaults on payment, the seller keeps the advance provided by Resolve Pay without clawback for that approved transaction.
What kind of businesses benefit most from Resolve Pay?
Resolve Pay serves established B2B companies, especially manufacturers, distributors, wholesalers, and B2B ecommerce sellers. These companies benefit from offering competitive Net 30, Net 60, Net 90, or custom terms as a growth strategy while protecting cash flow. The platform is particularly effective for companies that need embedded payment infrastructure, buyer credit workflows, AR automation, and accounting reconciliation in one system.
Does Resolve Pay integrate with existing accounting and ecommerce platforms?
Resolve Pay offers integration capabilities for ecommerce, accounting, and ERP systems. For ecommerce, Resolve Pay supports platforms such as Shopify, BigCommerce, WooCommerce, and Magento. For accounting and ERP workflows, Resolve Pay supports systems such as QuickBooks Online, NetSuite, Xero, and Sage Intacct. The platform also supports API-based workflows for custom implementation needs.
How quickly can businesses receive cash advances with Resolve Pay?
Resolve Pay supports fast advance payment on approved invoices, with timing based on buyer approval, invoice eligibility, and implementation setup. For ecommerce transactions using Resolve Pay checkout integrations, qualified buyers can receive fast credit decisions during the sales process. This helps sellers offer payment flexibility while maintaining healthier working capital.
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.
