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.
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 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.
Resolve Pay provides native integrations with major e-commerce and accounting platforms:
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.
Resolve Pay customers report measurable business outcomes:
Resolve Pay serves mid-market B2B sellers with $1M+ annual revenue who need to:
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.
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.
FundThrough serves businesses seeking invoice factoring without comprehensive platform needs:
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.
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.
TreviPay serves organizations requiring:
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:
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%:
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.
B2B e-commerce requires payment solutions that embed naturally into the buying experience.
Resolve Pay provides native checkout integrations with major e-commerce platforms:
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.
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:
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.
Speed to deployment affects when businesses realize returns on payment platform investments.
Resolve Pay enables most teams to launch in under one week:
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.
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.
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:
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.
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.
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.
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.
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.
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.