Resolve Pay vs Fundbox vs Settle: 2026 Comparison

When B2B companies need to optimize cash flow while offering competitive payment terms, choosing the right financial platform becomes critical. Three solutions often emerge in conversations: Resolve Pay, Fundbox, and Settle. Each serves a different financial workflow. Resolve Pay operates as a purpose-built B2B payments and net terms platform for sellers that want to offer payment flexibility while getting paid faster. Fundbox functions as a working capital provider for small businesses that need access to financing for general business expenses. Settle focuses on procurement, accounts payable, inventory operations, and working capital workflows for CPG and ecommerce brands.

For manufacturers, distributors, wholesalers, and B2B ecommerce sellers, the distinction matters. A seller that wants to offer invoice-based payment terms needs more than a loan or bill payment tool. They need credit decisioning, invoice advancement, payment collection, receivables workflows, buyer payment options, and accounting sync working together. Resolve Pay is built around that credit-to-cash workflow, helping B2B merchants offer net terms while reducing receivables strain and protecting cash flow.

The Small Business Credit Survey tracks how businesses access financing and manage cash flow challenges, while Federal Reserve payments research shows how business payment methods continue to evolve. These resources highlight why working capital management, payment flexibility, and receivables efficiency remain critical issues for growing B2B operations.

Key Takeaways

• Resolve Pay supports seller cash flow: Resolve Pay helps B2B merchants offer net terms while receiving advance payment on approved invoices, reducing the cash flow strain that often comes with extended customer payment timelines.
• Resolve Pay combines credit, payments, and AR workflows: The platform brings net terms, invoice advancement, payment processing, collections, and receivables automation into one connected workflow.
• Resolve Pay reduces seller risk on approved invoices: Non-recourse advances help merchants protect cash flow when approved buyers receive payment terms.
• Resolve Pay fits B2B sellers with invoice-based transactions: Manufacturers, distributors, wholesalers, and B2B ecommerce companies can use Resolve Pay to offer terms without building a full internal credit and collections function.
• Resolve Pay supports digital and offline B2B sales: Sellers can offer terms through ecommerce checkout, sales reps, invoice workflows, and embedded payment experiences.
• Resolve Pay helps reduce manual receivables work: Built-in accounts receivable automation supports invoicing, reminders, collections, reconciliation, and reporting.
• Resolve Pay integrates with business systems: The platform connects with ecommerce, ERP, and accounting tools so finance teams can streamline payment and reconciliation workflows.
• Fundbox and Settle serve different needs: Fundbox is focused on business financing access, while Settle is focused on procurement, inventory, and accounts payable workflows.

Understanding different approaches to B2B payments

Resolve Pay positions itself as an embedded B2B payments and net terms platform designed for merchants offering payment terms to business customers. It helps sellers offer Net 30, Net 60, Net 90, or customized payment terms while receiving advance payment on approved invoices. The platform supports credit decisioning, invoice advancement, branded payment portals, collections workflows, and reconciliation in one connected system.

Resolve Pay was created from the B2B side of Affirm and is built for sellers that need to give business buyers more payment flexibility without absorbing the full burden of underwriting, collections, and delayed cash conversion. Its model is especially relevant for merchants that already sell to other businesses on invoice and want to improve how they manage credit and receivables.

Fundbox operates as a working capital provider offering financing products to small businesses. Businesses use Fundbox funding for general operational needs such as inventory, payroll, equipment, marketing, or short-term cash flow management. Fundbox functions as a financing provider to the business itself rather than a platform for managing customer net terms and invoice advancement.

Settle focuses on procurement, accounts payable, inventory operations, and working capital for CPG and ecommerce brands. Its platform helps brands manage purchase orders, vendor payments, inventory costs, and financing related to supplier bills. Settle addresses the outbound payment side of the business, while Resolve Pay is designed around seller receivables and customer payment terms.

The fundamental distinction is simple: Resolve Pay helps merchants get paid faster while offering customers terms, Fundbox helps businesses access working capital, and Settle helps brands manage supplier payments and inventory-related cash flow.

1. Resolve Pay for integrated B2B payments and net terms

Typical use case: US B2B businesses with established revenue that need integrated net terms, advance payment on invoices, buyer credit management, and AR automation.

Resolve Pay serves manufacturers, distributors, wholesalers, and B2B ecommerce businesses that want to offer flexible payment terms without adding unnecessary cash flow strain. The platform combines business credit checks, invoice advancement, buyer payment workflows, collections, and receivables automation into one system. CFPB small business lending data also highlights the broader importance of transparent access to business credit and financing information.

The non-recourse financing model is central to Resolve Pay's value for B2B sellers. When Resolve Pay approves a buyer for net terms and advances payment to the merchant, the seller can receive payment upfront while the buyer pays later based on the approved terms. Resolve Pay helps manage the credit approval, underwriting, and collections process, allowing sellers to offer terms while protecting cash flow.

Key features

• AI-powered credit decisioning that evaluates business buyers using a broad set of financial and behavioral data points
• Non-recourse invoice advances on approved invoices, helping sellers receive payment faster
• Flexible net terms options, including Net 30, Net 60, Net 90, and custom terms where applicable
• Branded buyer payment portal that supports ACH, wire, credit card, and check payments
• Ecommerce checkout extensions for Shopify, BigCommerce, WooCommerce, and Magento
• Agentic collections and automated follow-up workflows for reminders and collections
• Payment reconciliation and accounting sync to help reduce manual finance work
• Comprehensive integrations across ecommerce, ERP, and accounting systems
• Support for traditional invoice workflows, ecommerce checkout, marketplace models, and hybrid B2B sales motions

Strengths

Resolve Pay's specialized focus on B2B net terms creates practical advantages for merchants. The platform enables sellers to use payment flexibility as a competitive differentiator while maintaining healthier cash flow through structured advance payments on approved invoices.

Its integrated workflow is also important. A seller that manages credit checks in one system, invoices in another, payment reminders in spreadsheets, and reconciliation in an accounting platform often creates extra work for finance teams. Resolve Pay reduces that fragmentation by connecting credit, invoicing, payment collection, and reconciliation in a single workflow.

The platform's branded payment experience helps preserve the seller's relationship with the buyer. Business buyers can receive payment flexibility, while the merchant keeps a consistent customer experience through branded payment portals and embedded checkout options.

The non-recourse structure addresses one of the biggest barriers to offering net terms: buyer repayment risk. With Resolve Pay helping manage underwriting and collections on approved invoices, merchants can extend terms with greater confidence while avoiding the need to build a full internal credit department.

Best fit

Resolve Pay works well for B2B companies with established revenue that sell on invoice-based payment terms. It is especially relevant for manufacturers, distributors, wholesalers, and B2B ecommerce operations in sectors such as construction materials, industrial equipment, medical supplies, lighting, specialty wholesale, commercial supplies, and other high-value B2B categories.

Businesses seeking to offer Net 30, Net 60, or Net 90 terms while receiving faster payment can use Resolve Pay to address a core cash flow challenge. Companies that also want to automate AR workflows, reduce manual payment follow-up, and integrate with ecommerce or ERP systems benefit from the platform's full credit-to-cash approach.

Resolve Pay can also support sellers that are modernizing from manual trade credit workflows. Instead of relying only on static credit applications, manual approvals, and spreadsheet-based collections, merchants can use net terms management to streamline credit, payment reminders, collections, and payment reconciliation.

2. Fundbox

Typical use case: Small businesses needing access to working capital for general business expenses.

Fundbox provides business financing products that help small businesses access capital for operational needs. Companies may use funding for inventory, payroll, equipment, growth initiatives, short-term expenses, or other business purposes. The platform is designed around business borrowing rather than merchant-managed customer net terms.

Fundbox offers funding access through products such as a business line of credit and other capital options. Its public product pages describe fast access to financing and flexible use of funds. For businesses that need general working capital rather than a customer payment terms program, Fundbox may be evaluated as a financing option.

Key features

• Business financing options designed for small businesses that need working capital
• Revolving line of credit structure that lets approved businesses draw funds as needed
• Funding that can be used for general operating expenses such as inventory, payroll, equipment, marketing, or short-term cash flow needs
• Online application workflow designed to simplify access to business financing
• Funding access that may support businesses during cash flow gaps or growth periods
• Business borrowing model focused on the company's own capital needs rather than customer net terms or receivables automation

The distinction for B2B sellers is important. Fundbox provides capital to the business, while Resolve Pay helps sellers offer payment terms to their buyers and receive advance payment on approved invoices. A merchant using Fundbox is borrowing for its own cash needs. A merchant using Resolve Pay is building a receivables and net terms workflow that supports customer purchasing power, seller cash flow, and AR automation.

Fundbox can be relevant when the immediate business need is access to working capital. Resolve Pay is more aligned when the seller's goal is to offer buyer payment terms, improve invoice-to-cash timing, and reduce receivables workload.

3. Settle

Typical use case: CPG and ecommerce brands managing procurement, accounts payable, inventory costs, and supplier payments.

Settle focuses on the purchasing and payables side of the business. Its platform supports procurement, vendor payments, purchase order workflows, inventory-related costs, and working capital tied to supplier bills. This makes Settle more relevant for brands that need to organize how they buy goods, pay vendors, and manage inventory cash flow.

Settle integrates with systems such as Shopify, QuickBooks Online, NetSuite, and Finaloop. It helps brands manage vendor bills, track purchasing workflows, monitor landed costs, and support finance operations related to inventory. For CPG and ecommerce companies, those functions can help create more organized back-office processes.

Key features

• Procurement workflows for managing purchase orders, supplier activity, and inventory-related purchasing
• Accounts payable automation to help brands organize bills, approvals, and vendor payment workflows
• Inventory cost management tools that support CPG and ecommerce finance operations
• Vendor payment workflows designed for brands that need to manage outbound supplier payments
• Working capital options connected to inventory purchases and supplier bills
• Integrations with commerce, accounting, and finance systems used by ecommerce and CPG brands

Settle addresses outbound payments, while Resolve Pay addresses inbound receivables and customer payment terms. That difference matters for a B2B seller comparing platforms. A company trying to manage vendor payments may evaluate accounts payable and procurement tools. A company trying to offer payment terms to customers while getting paid faster is better aligned with Resolve Pay's invoice collection and net terms capabilities.

Why Resolve Pay delivers value for B2B businesses

US-based B2B businesses with established revenue often face a recurring challenge: customers want flexible payment terms, but sellers still need predictable cash flow. Extending terms manually can increase the burden on finance teams, create uncertainty around collections, and require sellers to manage credit decisions internally.

Resolve Pay's integrated approach addresses those pain points together. Non-recourse advances on approved invoices help sellers protect cash flow while giving buyers more time to pay. Automated credit workflows help merchants make faster, more consistent decisions. Built-in collections and payment reminders reduce repetitive follow-up work. Accounting and ERP sync help streamline reconciliation and reporting.

For B2B merchants whose primary challenge is offering competitive payment terms without delaying cash flow, Resolve Pay provides purpose-built capabilities. The US Census Bureau tracks ecommerce activity across business sectors, reflecting how digital sales channels continue to play a larger role in business transactions. As more B2B sales move through ecommerce, marketplace, and hybrid sales models, embedded payment terms become more important.

Resolve Pay's ecommerce checkout extensions allow qualified buyers to apply for terms during the purchase flow. When a business buyer reaches checkout on a merchant's ecommerce store, they can apply for net terms and complete the purchase through an embedded experience. This supports a smoother buying process while helping the seller maintain control over branding and customer experience.

The platform also supports offline and invoice-based workflows. Many B2B transactions still happen through sales reps, purchase orders, emailed invoices, or negotiated orders. Resolve Pay can help sellers bring those workflows into a more structured payment and receivables process without forcing every customer into a single checkout path.

Another advantage is operational consolidation. Rather than relying on separate tools for credit checks, invoicing, collections, payment acceptance, and reconciliation, sellers can use Resolve Pay as a connected AR and payments platform. That makes it easier for finance teams to see invoice status, buyer activity, payment timelines, and collections workflows in one place.

How B2B sellers should think about the comparison

The right way to compare Resolve Pay, Fundbox, and Settle is not to treat them as identical financing products. They solve different financial problems.

Resolve Pay is most relevant when the seller wants to:

• Offer net terms to business buyers
• Receive advance payment on approved invoices
• Reduce buyer credit risk on approved transactions
• Automate receivables workflows
• Add payment terms to ecommerce checkout
• Maintain a branded buyer payment experience
• Connect credit, collections, payments, and reconciliation

Fundbox is most relevant when a business wants to access working capital for its own operating needs. The financing can support general business expenses, but it does not replace a dedicated net terms, AR automation, or buyer credit management platform.

Settle is most relevant when a brand wants to manage purchasing, vendor bills, inventory costs, and accounts payable workflows. It supports the payables side of finance rather than the receivables side.

For B2B merchants, the most important question is whether the core problem is internal funding, supplier payment management, or customer payment terms. If the business needs to offer buyer flexibility while improving invoice-to-cash timing, Resolve Pay is the most directly aligned option.

Resolve Pay for B2B sellers that want stronger net terms workflows

Resolve Pay is the most relevant choice for B2B merchants that want to offer payment terms, improve cash flow, and reduce manual receivables work in one connected platform. It is designed for the seller's credit-to-cash workflow, from buyer credit decisioning to invoice advancement, payment collection, branded portals, collections automation, and reconciliation.

Fundbox and Settle can be useful in their own categories, but they address different needs. Fundbox is centered on working capital access for the business itself. Settle is centered on procurement, inventory, and accounts payable workflows. Resolve Pay is centered on helping B2B sellers offer terms to customers while getting paid faster and keeping receivables operations organized.

For manufacturers, distributors, wholesalers, and B2B ecommerce sellers, that focus matters. Payment terms can help buyers place larger orders, return more often, and complete purchases with less friction. Resolve Pay helps sellers offer that flexibility without turning their finance team into a manual credit, collections, and reconciliation department.

Frequently Asked Questions

What is the fundamental difference between Resolve Pay, Fundbox, and Settle?

Resolve Pay is an embedded B2B payments and net terms platform helping merchants offer payment terms to customers while receiving advance payment on approved invoices. Fundbox is a working capital provider that offers financing to businesses for general operating needs. Settle is a procurement, inventory, and accounts payable platform that helps brands manage supplier payments and purchasing workflows.

How does Resolve Pay's non-recourse financing protect my business?

With Resolve Pay's non-recourse model, sellers can receive advance payment on approved invoices while Resolve Pay helps manage the credit risk, underwriting, and collections process. This helps merchants offer net terms with greater confidence because they are not relying only on manual credit checks or internal collections workflows.

Can I integrate Resolve Pay with my existing ecommerce platform and accounting software?

Yes. Resolve Pay offers ecommerce integrations and accounting connections across platforms such as Shopify, BigCommerce, WooCommerce, Magento, QuickBooks, NetSuite, Xero, Sage Intacct, and other business systems. These integrations help sellers streamline buyer credit checks, invoice workflows, payment collection, and reconciliation.

What payment terms can Resolve Pay support?

Resolve Pay can support common B2B payment terms such as Net 30, Net 60, Net 90, and custom term structures where applicable. Approved buyers can receive more time to pay, while sellers can receive advance payment on approved invoices and manage receivables through a connected platform.

How quickly can sellers receive payment through Resolve Pay?

Resolve Pay is designed to help sellers get paid faster on approved net terms invoices, often within about a business day depending on the approved transaction and workflow. This helps B2B merchants offer flexible terms to buyers without waiting through the full repayment period before receiving cash for operations and growth.

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.