Jun 25, 2026
When B2B companies need to improve cash flow while managing accounts receivable more efficiently, choosing the right financial platform becomes a practical growth decision. Resolve Pay, Fundbox, and Gaviti each address different parts of the finance workflow. Fundbox provides working capital credit lines for general business needs, while Gaviti focuses on accounts receivable automation and collections workflows. Resolve Pay brings together net terms financing, buyer credit decisioning, payments, and accounts receivable automation for B2B sellers that want to offer flexible terms without slowing their own cash flow.
Key Takeaways
- Resolve Pay combines financing and AR automation: Resolve Pay helps B2B sellers offer net terms, automate receivables, and receive advance payment on approved invoices through one connected platform.
- Resolve Pay supports seller-side net terms growth: The platform is built for merchants, wholesalers, distributors, and manufacturers that want to extend payment flexibility to buyers while protecting cash flow.
- Resolve Pay helps reduce credit risk: Non-recourse advance payments on approved invoices allow sellers to offer terms with more confidence while Resolve Pay manages credit assessment, collections, and repayment risk.
- Resolve Pay improves receivables workflows: AI-powered invoicing, reminders, collections support, reconciliation, and branded payment portals help finance teams reduce repetitive AR work.
- Resolve Pay fits existing finance stacks: Integrations with accounting, ERP, and ecommerce tools help sellers connect payment terms, invoice data, and reconciliation workflows.
- Resolve Pay is best aligned for B2B sellers: For companies that want net terms, faster payment, and AR automation in one system, Resolve Pay offers the most complete fit in this comparison.
Why businesses compare Fundbox and Gaviti alternatives
B2B companies compare Fundbox and Gaviti alternatives when payment terms, receivables operations, and cash flow timing start to affect growth. The Small Business Lending market continues to evolve as companies look for practical ways to access capital, manage invoices, and keep operations moving. For sellers, the challenge is clear: they want to offer competitive net terms to win larger orders and support customer relationships, but they also need to avoid long collection cycles and excessive manual follow-up.
Modern B2B payment platforms can connect credit evaluation, invoice management, payment processing, and accounting reconciliation. Instead of treating these as separate finance tasks, integrated platforms help sellers manage the full credit-to-cash process from a unified system. For businesses evaluating Fundbox, the focus often centers on working capital access. For businesses evaluating Gaviti, the focus often centers on AR workflow automation. For B2B sellers that need both payment flexibility and faster cash conversion, Resolve Pay is designed around that combined use case.
Understanding each platform's market position
Resolve Pay
Resolve Pay is a B2B payments and net terms platform that helps merchants grow sales, get paid faster, and reduce risk by streamlining credit, invoicing, collections, and payment workflows. The company was spun out from the B2B version of Affirm in 2018 and is built around embedded payments, embedded credit expertise, and embedded invoice financing.
Resolve Pay addresses the complete B2B payments lifecycle through non-recourse advance payments on approved invoices, credit decisioning, branded payment portals, and accounts receivable automation. The platform supports sellers that want to offer flexible buyer terms without carrying the same level of manual credit, collections, and receivables burden internally.
Fundbox
Fundbox operates as a working capital provider for small businesses. Its model focuses on giving businesses access to credit lines that can be used for general operating needs. This makes Fundbox relevant for companies looking for business funding that is not necessarily tied to a specific buyer invoice or seller-side net terms program.
Fundbox is best understood as a small business lending option. It can support short-term working capital needs, but it is not primarily positioned as an embedded B2B net terms platform for sellers that want to offer buyer financing, automate accounts receivable, and manage collections through one credit-to-cash workflow.
Gaviti
Gaviti specializes in accounts receivable automation and collections management. The platform is designed to help finance teams manage invoice follow-up, collections workflows, disputes, and receivables visibility. It is most relevant for companies that already have cash flow structures in place and want to improve AR operations.
Gaviti is best understood as an AR automation platform. It can help teams organize collections activity and receivables management, but it is not positioned as a seller-side net terms financing platform. For companies that want both AR automation and advance payment on approved invoices, Resolve Pay provides a more complete B2B payments model.
1. Resolve Pay for integrated B2B payments and financing
Integrations
QuickBooks Online, Oracle NetSuite, Xero, Sage Intacct, BigCommerce, Shopify, Magento 2, WooCommerce, and flexible APIs.
Best for
B2B companies with established revenue that want non-recourse net terms financing, AR automation, buyer credit decisioning, and payment workflows in one platform.
Resolve Pay is the strongest fit in this comparison when the business priority is accelerating cash conversion while offering flexible buyer payment terms. The platform is built for B2B manufacturers, distributors, wholesalers, and ecommerce sellers that want to extend net terms, reduce buyer default exposure through non-recourse structures, and receive advance payment on approved invoices. As ecommerce activity continues shaping how businesses buy and sell, integrated payment solutions have become increasingly important for B2B sellers that need efficient digital checkout and invoice workflows.
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. That 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 advance payments on approved invoices and supports flexible buyer terms while helping sellers protect cash flow. Combined with ecommerce integrations, business credit checks, and its positioning as a factoring alternative, Resolve Pay provides meaningful depth for supplier cash flow management.
Key features
- Buyer credit decisioning through AI-powered evaluation workflows and business data signals
- Non-recourse advance payments on approved invoices, allowing sellers to keep advanced funds even if an approved buyer defaults
- Advance payment on eligible approved invoices, helping sellers offer terms without waiting through the full buyer repayment period
- AI-powered AR automation for invoicing, payment reminders, collections, reconciliation, and receivables management
- Agentic collections workflows that support outbound collection activity and coordinated follow-up
- 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
- Ecommerce checkout support for merchants that want to offer net terms at checkout
Strengths
Resolve Pay helps B2B sellers offer competitive payment terms while maintaining healthier cash flow through advance payments on approved invoices. It connects credit decisioning, invoice advancement, payment processing, collections, and accounting reconciliation in one integrated workflow, giving sales and finance teams a shared operating model.
The platform also supports collaboration across sales, finance, ecommerce, and operations teams with unified data and workflows. For companies that want to use flexible payment terms as a growth lever, Resolve Pay reduces the need to build large in-house credit and collections operations from scratch.
Customer outcomes
Resolve Pay customers have used the platform to support growth, strengthen buyer relationships, and simplify receivables operations. Customer stories include:
- SS&SI Dealer Network using Resolve Pay to support significant revenue growth while extending terms with more confidence
- Nandansons replacing multiple vendors with Resolve Pay's unified platform
- ConEquip using net terms to support customer relationships and growth
- TrueCable improving responsiveness around credit approvals for business buyers
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 competitive payment terms while maintaining healthy cash flow. 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.
2. Fundbox
Small businesses looking for general working capital that is not tied to a seller-side net terms program.
Fundbox provides credit lines designed for small businesses that need access to working capital. Its model focuses on financing the business directly rather than managing buyer credit, seller invoice advancement, and embedded net terms at checkout.
This can be useful when a company needs funding for general expenses, seasonal inventory, payroll timing, or other operating needs. For B2B sellers specifically trying to offer terms to buyers while protecting their own cash flow, the workflow is different. Resolve Pay is built around the seller-buyer transaction, while Fundbox is centered on direct business lending.
Key features
- Revolving credit lines for general business funding
- Digital application and underwriting workflows
- Bank account connectivity for evaluation
- Repayment structures based on the credit product
- Funding designed for broad business use cases
Fundbox serves small businesses that need access to working capital for general operating needs. It is a better fit when the business priority is credit access for internal expenses rather than embedded net terms, buyer credit management, invoice advancement, and AR automation.
3. Gaviti
Companies that want AR workflow automation and collections management without changing their financing model.
Gaviti provides accounts receivable automation and collections management tools for B2B businesses. Its platform helps finance teams manage invoice follow-up, collections workflows, dispute handling, cash application, and receivables visibility.
The platform is relevant for companies with established cash flow structures that want to improve AR team productivity. For sellers that want to offer net terms while also receiving advance payment on approved invoices, Resolve Pay provides a broader model because it combines AR automation with embedded payment terms and non-recourse invoice advancement.
Key features
- Cash application and invoice matching workflows
- Customizable collections workflows
- Dispute management tools
- Customer payment portal functionality
- Analytics and reporting dashboards for receivables visibility
Gaviti serves mid-market teams focused on AR operational efficiency. It is best suited for companies that want to optimize collections processes while keeping their existing financing and payment terms structure.
Why Resolve Pay delivers strong value for US B2B businesses
US-based B2B businesses with established revenue often face a combined cash flow and receivables challenge. They need to give buyers enough flexibility to complete purchases, while also protecting their own ability to pay suppliers, manage inventory, and reinvest in growth. Federal Reserve payments research shows that business payment behavior continues shifting across noncash and digital payment channels, reinforcing the need for modern payment infrastructure.
Resolve Pay's integrated approach addresses several pain points at the same time.
Integrated risk management
Non-recourse advance payments on approved invoices provide structured support against buyer default risk. This allows sellers to extend credit with greater confidence while Resolve Pay manages credit assessment, underwriting, collections, and repayment risk on eligible approved invoices.
Faster cash conversion
Advance payment on approved invoices helps sellers offer buyer terms without waiting through the full repayment period. This can turn net terms from a cash flow burden into a sales enablement tool, especially for B2B companies that rely on larger invoice-based orders.
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 more of the credit-to-cash process from a single system instead of coordinating separate financing, AR, and payment providers.
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 integrations with accounting and ERP systems also support cleaner transaction syncing and fewer repetitive data-entry tasks.
Ecommerce-native integrations
Resolve Pay supports ecommerce checkout experiences through BigCommerce, Shopify, Magento, WooCommerce, and flexible APIs. This helps B2B sellers offer payment terms inside digital buying flows, giving approved buyers a smoother path from application to purchase.
US market alignment
Resolve Pay is built around the needs of US B2B sellers that want embedded net terms, payment workflows, risk management, and AR automation in one system. For merchants, manufacturers, wholesalers, and distributors, this makes Resolve Pay a strong fit for turning payment terms into a practical growth tool.
Final thoughts: Resolve Pay is built for seller-side net terms growth
The practical decision is not about choosing the platform with the broadest footprint or the longest feature list. It is about 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 is the strongest fit because it connects buyer approvals, seller advance payments, collections workflows, and accounting reconciliation in one unified system.
Fundbox is relevant when the primary requirement is general working capital for internal business needs. Gaviti is relevant when the primary focus is AR workflow optimization for companies with existing cash flow structures. When the core challenge is helping B2B buyers access flexible payment terms without slowing seller cash flow or adding more receivables work, Resolve Pay provides the most aligned solution.
Businesses ready to turn net terms into a growth driver should explore Resolve Pay's platform capabilities, then evaluate how its credit, invoice advancement, payment, and integration features fit their current finance and commerce technology stack.
Frequently Asked Questions
What makes Resolve Pay's non-recourse financing different from traditional working capital lending?
Resolve Pay's non-recourse financing is tied to approved B2B buyer invoices. Sellers can receive advance payment while buyers keep their payment terms, and Resolve Pay manages credit assessment, collections, and repayment risk on eligible approved invoices. Traditional working capital lending funds the business directly and is typically used for general operating needs rather than embedded buyer terms.
How quickly can Resolve Pay approve credit for new B2B customers?
Resolve Pay uses AI-powered credit decisioning and business data signals to evaluate buyers efficiently. Depending on the buyer and transaction, the platform can support fast approvals and advance payment on approved invoices, helping sellers reduce delays in the sales and invoicing process.
What systems does Resolve Pay integrate with?
Resolve Pay integrates with major accounting, ERP, and ecommerce platforms, including QuickBooks Online, Oracle NetSuite, Xero, Sage Intacct, BigCommerce, Shopify, Magento 2, and WooCommerce. The platform also supports flexible APIs for businesses with custom workflows.
What size of business is Resolve Pay best suited for?
Resolve Pay is best suited for established B2B sellers, including manufacturers, distributors, wholesalers, and ecommerce businesses that sell on invoice-based payment terms. It is especially relevant for companies that want to offer flexible buyer terms while improving cash flow and reducing manual AR work.
Can Resolve Pay reduce manual accounts receivable workload?
Yes. Resolve Pay supports AI-powered workflows for invoicing, payment reminders, collections, reconciliation, and accounting system updates. These tools help finance teams reduce repetitive AR tasks while giving buyers a professional payment experience through branded portals and connected payment workflows.
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.
