B2B businesses need payment workflows that support cash flow, customer relationships, and operational efficiency without adding unnecessary finance-team complexity. Resolve Pay, Fundbox, and Melio serve different financial needs. Resolve Pay is a B2B payments and net terms platform for manufacturers, wholesalers, distributors, and B2B merchants that want to offer flexible buyer terms, automate receivables, and get paid faster on approved invoices. Fundbox provides business financing through credit products that help companies access working capital for operating needs. Melio focuses on bill payment and accounts payable workflows, helping businesses schedule and manage vendor payments.
That distinction matters because B2B payment problems are not all the same. Some teams need capital for short-term expenses. Others need a simpler way to pay suppliers. B2B sellers, however, often need to extend terms to buyers while keeping their own cash flow healthy. The Federal Reserve survey tracks small business credit and financing conditions, while Federal Reserve payments research shows continued change across noncash payment channels. For sellers that want to improve order-to-cash workflows, Resolve Pay brings net terms, underwriting, payments, collections, and reconciliation into one connected platform.
Resolve Pay is a specialized B2B payments platform for sellers that need to offer payment terms while improving cash flow and reducing credit risk. The company originated from the B2B side of Affirm and is built for merchants, manufacturers, wholesalers, and distributors that sell to other businesses.
Resolve Pay's approach centers on helping sellers offer net terms without managing every part of credit and collections internally. The platform combines B2B payments, buyer credit underwriting, invoice advancement, payment processing, collections workflows, and accounts receivable automation into one system.
This makes Resolve Pay especially useful for companies that want payment flexibility to support sales growth, but also need stronger control over receivables. Sellers can offer terms such as Net 30, Net 60, or longer options for qualified buyers while Resolve Pay supports the credit, payment, and AR workflows behind those transactions.
Fundbox is a working capital provider for small businesses. Its public product information describes financing options that can help businesses cover operating needs, manage payroll gaps, purchase inventory, or handle short-term cash flow pressure. Fundbox is centered on direct business financing rather than embedded buyer-facing net terms.
For businesses that need access to working capital for internal expenses, Fundbox can be relevant. Its model is different from Resolve Pay because the financing is tied to the business seeking capital, not to a seller extending approved payment terms to its buyers.
Melio focuses on business bill payment and accounts payable workflows. It helps businesses pay vendors through methods such as bank transfer, card, check, and related payment options. Melio is commonly used by small businesses that want a simpler way to schedule bills, manage outgoing payments, and sync payables activity with accounting tools.
Melio's core use case is different from Resolve Pay's. Melio helps businesses manage how they pay vendors, while Resolve Pay helps B2B sellers manage how buyers are approved, invoiced, financed, reminded, collected, and reconciled.
The fundamental difference is purpose: Resolve Pay supports seller-side net terms and receivables automation, Fundbox provides business working capital, and Melio supports accounts payable and bill payment workflows.
Integrations: QuickBooks Online, Xero, Sage Intacct, NetSuite, Magento 2, BigCommerce, Shopify, WooCommerce, and API support
Best for: US B2B manufacturers, wholesalers, distributors, and merchants with established B2B revenue that want integrated net terms, non-recourse financing, and AR automation
Resolve Pay is purpose-built for B2B sellers that need to offer payment terms to customers while protecting cash flow and reducing manual receivables work. The platform addresses a specific business challenge: buyers often expect flexible payment terms, but sellers still need cash to fund inventory, payroll, operations, and growth.
The CFPB lending data highlights the importance of small business credit access and financing visibility. In B2B commerce, sellers often need a structured way to evaluate buyer credit, offer terms, collect payments, and reconcile invoices without turning finance teams into manual credit departments.
Resolve Pay connects those workflows through a platform built around accounts receivable automation and net terms management. Its non-recourse structure is a key part of the value proposition. When a buyer is approved and Resolve Pay advances funds on an approved invoice, the seller can keep those advanced funds even if the buyer does not pay. This helps sellers offer flexible terms while reducing the credit-risk burden that usually comes with in-house net terms programs.
Resolve Pay can advance payment on approved invoices so sellers do not have to wait through the full buyer payment cycle. This helps B2B sellers offer Net 30, Net 60, Net 90, or custom terms while keeping working capital available for day-to-day operations. Combined with AR automation, the platform supports invoicing, payment reminders, collections workflows, payment acceptance, and reconciliation.
Resolve Pay delivers integrated B2B payment infrastructure for sellers that offer payment terms. The platform combines credit decisions, invoice advancement, payment workflows, collections, and reconciliation, which helps finance teams manage more of the order-to-cash process in one place.
The non-recourse structure helps sellers expand net terms programs with stronger credit protection on approved invoices. This is especially useful for manufacturers, wholesalers, and distributors that want to support larger buyer orders without carrying the full receivables burden internally.
Resolve Pay's automation also supports finance-team efficiency. Instead of manually tracking invoices, sending reminders, chasing payments, and reconciling records across disconnected tools, sellers can use a connected workflow that supports credit, invoicing, payment acceptance, collections, and bookkeeping sync.
The platform's buyer-centric underwriting evaluates the buyer's business health. That helps sellers extend terms based on customer creditworthiness and transaction context, while keeping the customer experience aligned with the seller's brand through a branded payment portal.
Resolve Pay is best for B2B manufacturers, wholesalers, distributors, and merchants operating primarily in North America that need to offer net terms while improving cash flow and reducing credit risk. The platform works well for businesses with established B2B revenue that want payment flexibility to support sales growth without building a large internal credit and collections operation.
Fundbox provides working capital through business financing products. Its public product information describes funding that businesses can use for operating needs, cash flow gaps, inventory, payroll, and growth expenses. Fundbox is focused on helping the business access capital directly.
This makes Fundbox different from Resolve Pay. Fundbox financing is generally used by the business that applies for funds. Resolve Pay is designed for B2B sellers that want to offer buyer payment terms and receive advance payment on approved invoices as part of the sales and receivables workflow.
Fundbox can be relevant when the main problem is access to working capital. A business may use it to manage short-term expenses or smooth a cash-flow gap. For B2B sellers that need to offer terms to customers, however, a working capital line does not replace the buyer approval, net terms, collections, and receivables automation workflows that Resolve Pay provides.
Melio helps businesses manage outgoing payments to vendors. Its bill payment workflows support scheduling, payment method selection, and vendor payment management. Melio is commonly used by small businesses that want to simplify how they pay suppliers and keep accounting records aligned.
Melio's role in the finance stack is different from Resolve Pay's. Melio is mainly centered on accounts payable and business bill payments. Resolve Pay is centered on seller-side net terms, buyer underwriting, AR automation, and faster cash flow from approved invoices.
Melio can be useful for businesses that want to improve how they pay vendors. For B2B sellers focused on offering customer terms, managing receivables, and accelerating cash flow, Resolve Pay is the more directly aligned platform.
B2B manufacturers, wholesalers, distributors, and merchants face a specific cash-flow challenge. They often need to offer payment terms to stay competitive, but traditional net terms can create delayed cash conversion, manual collections work, and credit exposure.
The U.S. Census Bureau tracks the continued role of ecommerce and digital transactions across business activity, while the SBA finance guide emphasizes the importance of managing cash flow, expenses, and business finances. For B2B sellers, the practical question is not only how to process a payment. It is how to approve buyers, offer terms, receive cash faster, manage collections, and reconcile payments without slowing the business down.
Resolve Pay's value comes from its purpose-built design for B2B sellers.
Resolve Pay supports non-recourse financing on approved invoices. This means sellers can offer qualified buyers flexible payment terms while reducing the credit-risk burden that normally sits with the seller. For businesses that want to grow net term programs without increasing bad-debt exposure in the same way, this is a meaningful structural advantage.
Resolve Pay can advance payment on approved invoices, helping sellers access cash faster while buyers still receive time to pay. This is central to the platform's appeal for suppliers that want to offer Net 30, Net 60, Net 90, or custom terms without waiting through the full payment cycle.
Resolve Pay brings invoicing, reminders, collections, payment acceptance, and reconciliation into a connected workflow. Through net terms management, sellers can reduce the operational strain that often comes with growing receivables volume.
Resolve Pay evaluates buyer creditworthiness as part of the net terms process. Its credit check workflow helps sellers assess buyers before extending terms, reducing manual review and supporting more consistent credit decisions.
Resolve Pay supports ecommerce, ERP, accounting, and API connections through its integration platform. Sellers can embed net terms into checkout, sync transaction data with accounting systems, and reduce the need for duplicate data entry across finance tools.
Resolve Pay includes a branded payment portal that allows buyers to pay through common B2B payment methods while keeping the experience aligned with the seller's brand. This helps sellers offer flexible terms without handing off the customer relationship to a disconnected process.
For B2B sellers that need to offer net terms while improving cash flow, Resolve Pay provides a focused platform for credit decisions, invoice advancement, payment acceptance, collections, and reconciliation. Fundbox and Melio serve useful but different finance needs. Resolve Pay is the strongest fit when the goal is to use payment terms as a growth tool while keeping receivables operations under control.
Resolve Pay works well for B2B manufacturers, wholesalers, distributors, and merchants that need to offer net terms to business buyers. It is especially relevant for sellers with established B2B revenue that want to improve cash flow, reduce credit risk on approved invoices, and automate receivables workflows.
Resolve Pay helps sellers offer payment terms to qualified buyers and can advance payment on approved invoices. The seller receives cash faster, while the buyer gets time to pay based on the approved terms. Resolve Pay also supports non-recourse financing, buyer underwriting, collections workflows, and receivables management.
Resolve Pay connects with ecommerce, ERP, and accounting systems, including Shopify, BigCommerce, WooCommerce, Magento 2, QuickBooks Online, Xero, Sage Intacct, and NetSuite. The platform also supports API-based implementation for businesses with custom workflows.
Resolve Pay uses buyer-centric underwriting that evaluates the customer's business health and payment risk. The platform supports AI-driven credit workflows and expert review, helping sellers make more informed decisions before extending payment terms.
Resolve Pay helps sellers centralize net terms, credit decisions, invoicing, payment reminders, collections, payment acceptance, and reconciliation. This can reduce manual receivables work, support faster access to cash on approved invoices, and help finance teams scale order-to-cash operations with fewer disconnected tools.
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.