Selecting the right B2B payment solution determines how efficiently your business manages cash flow, credit risk, and buyer relationships. While FundThrough provides invoice factoring for businesses needing access to receivables-based capital and Billie serves European merchants with checkout-embedded payment terms, Resolve Pay delivers a complete net terms platform combining non-recourse financing, AI-powered credit decisions, and full accounts receivable automation. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers choose the approach that aligns with their growth objectives and operational requirements.
The B2B payment technology market encompasses distinct solution categories, each addressing different operational models and business requirements. Federal Reserve research on B2B trade credit highlights the role of trade credit in business cash flow, making it important for revenue leaders to understand how invoice factoring, net terms financing, and B2B payment solutions differ in structure and purpose.
Invoice factoring providers like FundThrough purchase existing invoices, providing immediate cash against receivables. The factoring company then collects payment directly from buyers. This model works well for businesses needing quick liquidity but creates considerations around customer notification and credit risk ownership.
Net terms financing platforms like Resolve Pay take a different approach by enabling sellers to offer payment terms (Net 30/60/90) to buyers while receiving immediate payment themselves. The platform handles credit decisions, extends terms to buyers, and manages collections. This model integrates more deeply into the sales process, from checkout through cash application.
B2B BNPL solutions like Billie embed payment terms directly into checkout experiences, primarily serving European ecommerce merchants. Buyers select deferred payment options at purchase, with the platform managing buyer qualification and payment collection.
The distinctions extend beyond product structure to execution philosophy. FundThrough funds invoices after sales occur, requiring sellers to generate invoices first and then seek funding. Resolve Pay embeds credit decisions at checkout, enabling pre-approval of buyers before sales complete. Billie provides checkout-integrated BNPL for European merchants, focused on buyer payment flexibility. For mid-market B2B suppliers in North America, these differences translate to varying impacts on cash flow management and operational efficiency.
Resolve Pay operates as an integrated B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and offloading credit risk. Founded in 2018 as a spinout from Affirm, the platform serves over 15,000 businesses with a comprehensive approach to accounts receivable management.
The platform's core differentiator lies in its non-recourse financing model. When Resolve Pay approves a buyer and advances funds against an invoice, the seller retains that advance even if the buyer fails to pay. This eliminates credit risk exposure that traditional factoring models place on sellers.
Resolve Pay can provide upfront funding on approved invoices, allowing sellers to offer Net 30, 45, 60, or 90 payment terms while improving cash-flow timing.
Key financing features include:
The proprietary AI credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver real-time credit decisions. The system provides:
This automated approach can significantly reduce credit approval timelines, with real-time decisioning for qualifying buyers and additional review available when needed.
Beyond financing, Resolve Pay delivers full accounts receivable automation spanning the entire invoice-to-cash lifecycle:
The platform also includes agentic collections with multi-channel automated sequences across email, SMS, and voice AI. These sequences handle follow-ups and escalations intelligently, pausing automatically when payments or disputes are received, while preserving customer relationships through professional, friendly communication.
Resolve Pay provides native integrations across major business systems:
Ecommerce Platforms:
Accounting and ERP Systems:
Resolve Pay maintains SOC 2 Type II certification, ensuring enterprise-grade security for sensitive financial data. This compliance posture supports deployments across regulated industries including medical device distribution, pharmaceutical supply, and financial services.
FundThrough positions itself as an invoice factoring provider delivering fast access to capital without long-term commitments. Founded in 2014 and headquartered in Toronto, the company has financed over $1 billion in invoices across the United States and Canada.
The platform operates on a straightforward model: businesses submit existing invoices, FundThrough evaluates and purchases qualifying invoices, and sellers receive funding as quickly as the next business day. The approach suits companies seeking tactical cash flow solutions for specific invoices.
FundThrough's primary value proposition centers on flexibility and speed:
The platform integrates with QuickBooks and OpenInvoice for automated invoice import, simplifying the submission process for businesses using these accounting systems.
FundThrough operates as a recourse factoring provider, meaning sellers bear ultimate liability if buyers fail to pay approved invoices. This creates credit risk exposure that sellers must factor into their financial planning.
Additional operational considerations include:
FundThrough's platform centers on invoice factoring and funded receivables. Businesses submit or sync eligible invoices for funding, FundThrough redirects and collects customer payments on funded invoices, and its collections team can follow up when funded invoices become overdue. The platform uses integrations and automation to support the factoring workflow. Businesses seeking broader credit-to-cash automation may use additional systems alongside FundThrough for functions outside the funded-invoice process.
Billie is a Berlin-based B2B payments provider founded in 2016. Its platform focuses on checkout and omnichannel payment options for business buyers across supported European markets.
The platform integrates with major European payment service providers including Stripe, Klarna, Adyen, and Mollie, enabling merchants to offer deferred payment options directly within their checkout experiences.
Billie's B2B BNPL model provides:
The platform primarily supports transactions with business buyers in selected European markets, including major markets such as Germany, France, the Netherlands, the UK, and Sweden.
Billie's buyer-market coverage is concentrated in supported European countries. Through several payment-service-provider integrations, merchants may be based outside Europe while offering Billie to eligible European business buyers.
The fundamental difference between Resolve Pay and FundThrough centers on credit risk ownership and when financing occurs within the sales cycle.
The most significant distinction involves who bears responsibility when buyers don't pay:
Resolve Pay (Non-Recourse):
FundThrough (Recourse):
For growing businesses expanding into new markets or customer segments, non-recourse financing eliminates the uncertainty of buyer creditworthiness from financial planning. Billie manages credit risk on approved European buyer transactions within its payment model.
FundThrough's post-invoice model:
Resolve Pay's embedded model:
Billie's checkout model:
This timing difference impacts sales velocity. With FundThrough, sellers must complete sales and invoice generation before seeking funding. With Resolve Pay, credit decisions happen during the sales process, enabling representatives to close deals knowing payment is secured. Billie integrates directly into European checkout flows.
How buyers interact with financing affects ongoing relationships:
Resolve Pay:
FundThrough:
Billie:
Beyond financing, the platforms differ substantially in operational automation and credit assessment capabilities.
Resolve Pay provides end-to-end AR automation that eliminates manual work:
Invoice Management:
Payment Processing:
Collections Automation:
Resolve Pay's automation can reduce manual receivables work by handling routine invoicing, reconciliation, reminders, and collections workflows. In a documented customer example, Trenchless Supply reported a substantial reduction in AR workload after implementing Resolve Pay.
FundThrough primarily centers its platform on invoice factoring and funded receivables, with automation focused on the factoring workflow rather than comprehensive AR management. Funding requests are handled through FundThrough's online platform, which uses automation and can import invoices from supported accounting systems.
Billie provides buyer-facing payment management with checkout-embedded payment selection and a buyer payment portal. The platform focuses on the European checkout and buyer payment experience.
Resolve Pay uses a proprietary AI system analyzing thousands of data points including cash flow trends, payment history, and behavioral signals. The platform provides rapid approvals for qualifying purchases with dynamic credit lines that adjust based on payment behavior.
FundThrough evaluates existing invoices and buyer payment likelihood rather than pre-approving buyers. Assessment occurs after invoice generation, with evaluation for each funding request through its online platform.
Billie provides real-time buyer qualification during European checkout with automated credit checks at purchase using European credit data sources.
Platform integration capabilities affect implementation timelines and ongoing operational efficiency across all three solutions.
Resolve Pay offers the broadest integration ecosystem with native connections to NetSuite, Sage Intacct, QuickBooks Online, Xero, BigCommerce, Shopify, WooCommerce, and Magento 2. Most teams launch within one week.
FundThrough provides narrower integration coverage focused on QuickBooks and OpenInvoice for invoice import, with limited ERP options and no ecommerce platform integrations.
Billie integrates through European payment service providers including Stripe, Klarna, Adyen, and Mollie partnerships, with implementation dependent on the chosen payment platform.
For mid-market B2B suppliers in North America seeking comprehensive AR transformation with non-recourse protection, Resolve Pay delivers an integrated platform that combines financing, credit decisions, and complete automation. The platform serves manufacturers, distributors, and wholesalers who need:
The platform's non-recourse model differentiates it from traditional factoring by transferring credit risk from seller to platform, while its comprehensive AR suite automates the entire invoice-to-cash lifecycle. With agentic collections, automated reconciliation, and real-time AR dashboards, Resolve Pay enables B2B suppliers to scale payment operations without proportionally increasing the finance team headcount.
Customer results demonstrate the platform's impact. Documented examples include Archipelago Lighting tripling revenue with approval timelines reduced from 10 days to 24 hours, ConEquip achieving 30% year-over-year growth, and Elston Materials increasing margins from 25% to 30%. These outcomes reflect the combined impact of non-recourse financing, AR automation, and accelerated credit decisions working together as an integrated system.
For businesses evaluating net terms ecommerce solutions, Resolve Pay's native integrations with major platforms enable checkout-embedded credit decisions that accelerate sales cycles while protecting cash flow.
Resolve Pay provides a complete net terms platform with non-recourse financing, AI credit decisions, and full AR automation for North American B2B suppliers. FundThrough offers invoice factoring with recourse liability, meaning sellers bear credit risk if buyers don't pay. Billie provides B2B payment options with checkout integration for supported European markets. The fundamental distinction is that Resolve Pay delivers comprehensive AR transformation while FundThrough focuses on tactical invoice funding and Billie serves European checkout needs.
Resolve Pay enables sellers to offer net payment terms (Net 30/60/90) while receiving advances within about one business day rather than waiting 30-90 days for buyer payment. The platform's AR automation also reduces DSO through automated collections and payment reminders, while AI-powered credit decisions eliminate delays in approving new buyers. Non-recourse protection ensures sellers keep advances even if approved buyers default, providing predictable cash flow.
Invoice factoring through providers like FundThrough can provide quick liquidity but requires existing invoices and exposes sellers to credit risk through recourse arrangements. For businesses seeking to offer net terms proactively while eliminating credit risk, Resolve Pay's non-recourse model may better support growth without the uncertainty of buyer defaults affecting your cash position.
Yes, Resolve Pay operates on a non-recourse basis for approved invoices. When the AI credit engine approves a buyer and Resolve Pay advances funds, the seller keeps that advance even if the buyer fails to pay. This transfers credit risk from the seller to Resolve Pay, enabling confident expansion into new markets and customer segments.
Resolve Pay can provide upfront funding within about one business day after invoice approval. The AI credit engine provides rapid buyer approvals for many transactions, meaning sellers can receive advances shortly after completing sales rather than waiting 30-90 days for buyer payment.
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.