Resolve Pay vs FundThrough vs Apruve

Selecting the right B2B payment and financing solution can determine whether your business thrives or struggles with cash flow constraints. While FundThrough provides invoice factoring and Apruve (now part of TreviPay) focuses on enterprise-scale operations, Resolve Pay delivers a complete platform combining non-recourse financing on eligible approved invoices, AI-powered credit decisioning, and full accounts receivable automation for mid-market manufacturers, distributors, and wholesalers.

Understanding these fundamental differences helps B2B sellers select the approach that matches their growth objectives, risk tolerance, and operational capacity. The B2B payments landscape continues evolving as more companies seek to extend payment terms while maintaining healthy cash flow.

Key Takeaways

• Resolve Pay provides non-recourse advances on eligible approved invoices, helping sellers reduce exposure to covered buyer-default risk, while FundThrough purchases eligible invoices and directs the buyer's payment to FundThrough
• Resolve Pay serves 15,000+ businesses with a complete AR automation platform that reduces manual work by approximately 90%, whereas FundThrough focuses on invoice factoring without broader receivables management
• Resolve Pay provides native e-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento for embedded net terms at checkout, a capability neither FundThrough nor Apruve/TreviPay offers in the same way
• Apruve was acquired by TreviPay in December 2022 and is now fully integrated into their enterprise platform, making it unavailable as a standalone mid-market solution
• Resolve Pay holds a 5.0/5 rating on G2 from 17 reviews and 5.0/5 on Capterra from 14 reviews, reflecting exceptional customer satisfaction compared to FundThrough's 2.7/5 G2 rating from 3 reviews
• Resolve Pay can advance eligible approved invoices within 1-2 business days, while FundThrough says approved invoice funding can reach a linked bank account as quickly as the next business day after its verification and onboarding requirements are completed

Understanding B2B Invoice Financing: What Matters Most

The B2B payment technology market encompasses distinct categories serving different operational models. Invoice factoring companies provide immediate cash by purchasing outstanding invoices at a discount. Invoice financing solutions offer broader working capital options. Complete AR automation platforms combine financing with credit management, collections, and payment processing.

For mid-market B2B sellers, the choice between these approaches affects cash flow predictability, customer relationships, operational efficiency, and growth capacity. Simple factoring solves immediate cash needs but leaves sellers managing credit risk and collections independently. Integrated platforms address the complete accounts receivable lifecycle from credit decisions through payment collection.

The critical distinction lies in risk allocation. Some factoring arrangements mean sellers may remain liable if buyers fail to pay. Non-recourse financing on eligible approved invoices transfers covered buyer-default risk to the financing provider. This difference becomes significant when extending terms to new customers or operating in industries with variable payment patterns.

Channel coverage also matters. Traditional factoring applies to existing invoices. Modern B2B payment platforms can embed financing directly into e-commerce checkout experiences, enabling sellers to offer competitive net terms while receiving immediate payment.

Resolve Pay

Complete B2B Payment Platform for Mid-Market Sellers

Resolve Pay operates as a comprehensive B2B payments platform enabling manufacturers, distributors, and wholesalers to offer Net 30/60/90 payment terms while receiving immediate cash. The platform combines net terms financing, AI-powered credit decisioning, accounts receivable automation, and agentic collections in a single integrated solution.

The non-recourse financing model distinguishes Resolve Pay from traditional recourse factoring. For eligible approved invoices, Resolve Pay can advance funds while taking on covered buyer-default risk under the applicable program terms. Eligibility, credit decisions, and advance levels remain subject to Resolve Pay's underwriting and buyer verification.

The AI Credit Engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Credit decisions arrive in under 24 hours with instant approvals available for some purchases. This replaces manual trade reference calls and spreadsheet tracking that consume AR team hours.

Key Platform Capabilities

• Net Terms Financing: Advance up to 90% of invoice value within 1-2 business days across Net 15, 30, 60, and 90 terms
• AR Automation: Automated invoice generation, smart payment reconciliation using ML, and real-time AR dashboard showing DSO, aging, and portfolio health
• Agentic Collections: Multi-channel automated sequences through email, SMS, and voice AI with intelligent escalation based on buyer response patterns
• White-Label Payment Portal: Branded buyer dashboard showing invoices, credit lines, and payment history with ACH, wire, credit card, and check acceptance

Integration Ecosystem

Resolve Pay provides native integrations with major e-commerce and accounting platforms:

• E-commerce: Shopify, BigCommerce (2025 Innovative Integration Award winner), WooCommerce, Magento 2
• Accounting/ERP: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite
• Payments: BlueSnap global payment processing partnership

The bi-directional ERP sync enables automatic invoice and payment data synchronization, eliminating manual reconciliation. Most teams launch in under one week with REST API and webhooks available for custom integrations.

Customer Results

Resolve Pay customers report measurable business outcomes:

• Archipelago Lighting tripled revenue and reduced net terms approval from 10 days to 24 hours while offering 20x higher credit lines
• SS&SI Dealer Network achieved 5x revenue growth
• ConEquip reached 30% year-over-year growth in construction equipment sales
• Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours
• Elston Materials increased margins from 25% to 30%

When Resolve Pay Fits Best

Resolve Pay serves mid-market B2B sellers with $1M+ annual revenue who need to:

• Offer competitive net terms without cash flow strain
• Reduce exposure to covered buyer-default risk through non-recourse Advance Pay
• Reduce manual AR work through automation
• Integrate net terms directly into e-commerce checkout
• Maintain white-label customer experiences
• Scale without proportional AR headcount increases

FundThrough

Invoice Factoring for Immediate Cash Flow

FundThrough positions itself as an invoice factoring solution providing immediate cash advances against outstanding B2B invoices. Founded in 2014 in Toronto, the company has funded over $1 billion in invoices and received recognition as the #1 Factoring Company 2026 by Forbes Advisor.

FundThrough uses a fee-based invoice factoring model. Businesses can select eligible invoices for funding without committing to fund every invoice, and FundThrough states that long-term contracts are not required.

Key FundThrough Characteristics

• Invoice Purchase Model: FundThrough purchases eligible invoices and works with the seller's customer to redirect payment to FundThrough
• Customer Notification: FundThrough sends a Notice of Assignment to buyers, informing them that payment should be directed to FundThrough
• Accounting Integrations: FundThrough supports connections including QuickBooks Online, QuickBooks Desktop, Xero, Sage, NetSuite, and OpenInvoice
• Geographic Focus: United States and Canada
• Minimum Requirements: $100K outstanding AR for first funding

FundThrough Platform Approach

FundThrough focuses on invoice factoring and working-capital access tied to eligible B2B invoices. Its process includes invoice and customer verification, payment redirection through a Notice of Assignment, and integrations with several accounting and invoice-management systems. For funded invoices, FundThrough works with the customer on payment redirection and manages the associated receivable until payment. Sellers may continue using their existing systems for broader invoicing, reconciliation, and receivables workflows outside the funded invoices.

Resolve Pay takes a broader approach for B2B sellers by combining net terms, credit decisioning, AR automation, collections workflows, payments, and ecommerce integrations in one platform.

When FundThrough Works

FundThrough serves businesses seeking invoice factoring without comprehensive platform needs:

• Companies comfortable with buyer notification of factoring arrangements
• Organizations needing occasional spot factoring rather than ongoing net terms programs
• Canadian businesses requiring North American market presence

Apruve (Now TreviPay)

Enterprise B2B Payments Infrastructure

Apruve was acquired by TreviPay in December 2022 and has been fully integrated into the TreviPay enterprise platform. The original Apruve standalone solution is no longer available for new implementations.

TreviPay operates as global B2B payments infrastructure across 32+ countries with multi-currency support. The platform received "Major Players" recognition in the 2024 IDC MarketScape for Worldwide AR Automation (Enterprise), reflecting its position serving large organizations.

Key TreviPay/Apruve Characteristics

• Enterprise Focus: Built primarily for enterprise sellers and organizations with complex B2B payment operations
• Global Infrastructure: Multi-currency support across 32+ countries
• Custom Pricing: No transparent public pricing; requires enterprise consultation
• Complex Implementation: Enterprise deployment timelines measured in weeks to months
• Comprehensive O2C Platform: Full order-to-cash including buyer onboarding, risk management, and financing

TreviPay Platform Approach

TreviPay is positioned for enterprise sellers and provides a fully managed B2B payments and order-to-cash platform covering buyer onboarding, credit and risk decisioning, purchasing, invoicing, settlement, payments, collections, reconciliation, and funding.

Resolve Pay is positioned around manufacturers, distributors, wholesalers, and other B2B sellers that want net terms, faster cash flow, and receivables automation in an integrated platform.

When TreviPay Makes Sense

TreviPay serves organizations requiring:

• Multi-national operations across 32+ countries
• Multi-currency payment processing
• Enterprise-scale infrastructure for complex B2B payment operations
• Global compliance infrastructure

Feature Comparison: Non-Recourse Financing and Risk Protection

The risk allocation model represents the most significant difference between these platforms for B2B sellers extending net terms.

Resolve Pay provides non-recourse Advance Pay on eligible approved invoices. Resolve Pay underwrites the buyer and can advance funds within 1-2 business days while taking on covered buyer-default risk under the applicable program terms. Eligibility, advance levels, and credit decisions remain subject to Resolve Pay's underwriting.

FundThrough uses an invoice factoring structure in which eligible invoices are purchased and the buyer redirects payment to FundThrough. FundThrough's public materials describe both recourse and non-recourse factoring generally, so the specific treatment of non-payment should be described according to the applicable funding agreement rather than characterized universally as recourse.

TreviPay offers varying risk models depending on the specific program and enterprise agreement. Risk allocation is negotiated as part of custom enterprise contracts rather than standard platform features.

For mid-market sellers, non-recourse financing on eligible approved invoices provides significant value:

• Predictable cash flow with reduced exposure to covered buyer defaults
• Ability to extend terms to new customers with reduced personal risk exposure
• Reduced collections efforts on defaulted invoices within the non-recourse program
• Cleaner financial statements with fewer bad debt write-offs

Feature Comparison: AR Automation and Operational Efficiency

Beyond financing, operational efficiency determines total cost of ownership for B2B payment solutions.

Resolve Pay delivers comprehensive AR automation that reduces manual work by approximately 90%:

• Automated invoice generation synced from ERP/accounting systems
• Smart payment reconciliation using ML to match invoice-to-cash automatically
• Real-time AR dashboard showing DSO, aging, and portfolio health
• Agentic collections with multi-channel automated sequences (email, SMS, voice AI)
• Automatic bookkeeping sync to QuickBooks, Xero, Sage Intacct, and NetSuite

FundThrough primarily focuses on invoice factoring rather than a full AR automation platform. For funded invoices, FundThrough works with the customer on payment redirection and manages the associated receivable until payment. Sellers may continue using their existing systems for broader invoicing, reconciliation, and receivables workflows outside the funded invoices.

TreviPay offers enterprise AR automation as part of its comprehensive O2C platform. The system includes buyer onboarding, risk management, invoicing, and reconciliation. However, implementation complexity and enterprise focus may exceed mid-market requirements.

The automation difference affects team structure and scaling capacity. Resolve Pay customers like Trenchless Supply report 90% AR workload reduction, freeing teams for strategic activities rather than manual invoice chasing.

Feature Comparison: E-Commerce Integration and Checkout Experience

B2B e-commerce requires payment solutions that embed naturally into the buying experience.

Resolve Pay provides native checkout integrations with major e-commerce platforms:

• Shopify embedded net terms at checkout
• BigCommerce integration (2025 Innovative Integration Award)
• WooCommerce net terms plugin
• Magento 2 checkout extension

These integrations enable B2B buyers to select net terms during online checkout, receive instant credit decisions, and complete purchases without leaving the seller's website. The white-label experience maintains seller branding throughout.

FundThrough does not offer e-commerce checkout integration. The platform applies to existing invoices after transactions complete, not at the point of sale.

TreviPay supports various e-commerce integrations depending on implementation scope. However, the enterprise focus means mid-market e-commerce sellers may find implementation complexity exceeds their needs.

For B2B sellers growing online revenue, embedded net terms at checkout can increase conversion rates and average order values by removing payment friction from the buying experience.

Feature Comparison: Customer Experience and Relationship Management

How financing affects buyer relationships matters for long-term business success.

Resolve Pay maintains a white-label payment experience where buyers interact only with the seller's brand:

• Branded buyer dashboard showing invoices, credit lines, and payment history
• Quiet credit checks that don't notify buyers or impact credit scores
• Professional collections communications that preserve customer relationships
• Self-serve payment options through the seller's branded portal

FundThrough requires customer notification through a Notice of Assignment. This document informs buyers that their invoice has been sold to FundThrough and directs payment accordingly. While FundThrough describes this as professional communication, it reveals the seller's use of third-party financing.

TreviPay offers white-label capabilities as part of enterprise implementations. The specific customer experience depends on contract terms and configuration.

For sellers in competitive markets or relationship-driven industries, the white-label distinction can affect buyer perception and loyalty.

Implementation and Time to Value

Speed to deployment affects when businesses realize returns on payment platform investments.

Resolve Pay enables most teams to launch in under one week:

• Native integrations with major e-commerce and accounting platforms
• REST API with webhooks for custom implementations
• Two-way sync for invoice and payment data
• Sandbox environment for testing

FundThrough offers an online onboarding and invoice-funding process. Funding speed depends on completing business, customer, and invoice verification, including any required payment-redirection steps.

TreviPay enterprise implementations typically require 1-2 weeks to months depending on scope, integration complexity, and customization requirements.

For mid-market sellers, faster implementation means quicker cash flow improvement and earlier competitive benefits from offering net terms.

Compliance and Security

Enterprise buyers require verified security practices from payment solution providers.

Resolve Pay maintains SOC 2 Type II certification with regular security audits. The platform supports regulated industry deployments with appropriate data protection practices.

FundThrough operates under standard financial services security requirements for invoice factoring operations.

TreviPay supports enterprise and global B2B payment operations, including localized invoicing, cross-border payments, credit management, and compliance-related workflows across multiple markets.

Why Resolve Pay Fits Mid-Market B2B Sellers

The platforms represent different approaches to B2B payments and working capital. FundThrough primarily provides invoice factoring, while TreviPay provides enterprise-focused B2B payments and order-to-cash infrastructure.

Resolve Pay brings net terms, non-recourse Advance Pay on eligible approved invoices, AI-powered credit decisioning, AR automation, collections workflows, payments, and ecommerce integrations into one platform. This makes Resolve Pay particularly relevant for manufacturers, distributors, wholesalers, and other B2B sellers that want to extend payment terms while improving cash-flow predictability and reducing receivables administration.

For mid-market manufacturers, distributors, and wholesalers seeking to offer competitive net terms while maintaining healthy cash flow, Resolve Pay provides a complete solution. The combination of non-recourse financing on eligible approved invoices, AI credit decisioning, full AR automation, and native e-commerce integration addresses the complete accounts receivable lifecycle without requiring multiple vendors or proportional headcount increases.

Key Resolve Pay capabilities include:

• Non-recourse Advance Pay on eligible approved invoices
• AI-powered credit decisioning with sub-24-hour approvals
• AR automation reducing manual work by approximately 90%
• Ecommerce net terms integrations with major platforms
• Branded buyer payment experiences that preserve customer relationships
• A platform trusted by 15,000+ businesses

The 5.0/5 ratings on G2 and Capterra reflect customer satisfaction with this integrated approach. When Archipelago Lighting tripled revenue while reducing credit approval time from 10 days to 24 hours, the results demonstrated what becomes possible when financing, credit, and AR automation work together seamlessly.

Frequently Asked Questions

What is the difference between invoice factoring and invoice financing?

Invoice factoring involves selling outstanding invoices to a third party at a discount in exchange for immediate cash. The factoring company then collects payment from your customers. Invoice financing is a broader category that includes factoring plus other arrangements where invoices serve as collateral for advances. Resolve Pay goes beyond both by combining non-recourse financing on eligible approved invoices with complete AR automation.

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

Resolve Pay offers non-recourse Advance Pay on eligible approved invoices. When an invoice qualifies, Resolve Pay can provide upfront funding while taking on covered buyer-default risk under the applicable program terms. Eligibility, credit decisions, and advance levels remain subject to Resolve Pay's underwriting and buyer verification.

What types of businesses use Resolve Pay?

Resolve Pay is designed primarily for B2B sellers such as manufacturers, distributors, wholesalers, and suppliers that want to offer net terms while improving cash-flow predictability. The platform combines credit decisioning, eligible non-recourse Advance Pay, accounts receivable automation, collections workflows, and payment tools to support growing B2B operations.

What integrations does Resolve Pay offer for e-commerce and accounting systems?

Resolve Pay provides native integrations with major platforms including Shopify, BigCommerce, WooCommerce, and Magento 2 for e-commerce, plus QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite for accounting and ERP. The bi-directional sync enables automatic invoice and payment data synchronization.

How does AI streamline credit checks and collections for B2B payments?

Resolve Pay's AI Credit Engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver credit decisions in under 24 hours. The agentic collections system automates multi-channel follow-up sequences through email, SMS, and voice AI with intelligent escalation based on buyer response patterns.

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.