Selecting the right B2B payments and accounts receivable solution can determine whether your business thrives with healthy cash flow or struggles with unpaid invoices and manual processes. While FundThrough offers invoice factoring services and Gaviti provides AR automation software, Resolve Pay delivers a complete net terms platform that combines buyer credit approval, non-recourse financing, and full AR automation in a single workflow. Understanding these fundamental differences between invoice factoring, AR automation platforms, and integrated payment solutions helps manufacturers, distributors, and wholesalers select the approach that matches their cash flow goals, risk tolerance, and operational requirements.
The B2B payments technology market encompasses three distinct categories, each serving different operational models and business objectives. Invoice factoring platforms like FundThrough serve as financing mechanisms that convert outstanding invoices into immediate cash. AR automation software like Gaviti uses technology to streamline collections processes, manage disputes, and reduce days sales outstanding. Integrated B2B payment platforms like Resolve Pay handle the entire invoice-to-cash workflow, including evaluating buyer creditworthiness, offering competitive net terms at checkout, advancing funds on a non-recourse basis, automating collections, and reconciling payments.
Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms (Net 30/60/90) to business buyers while receiving immediate cash and offloading credit risk and collections management. The platform can advance up to 90% of approved invoice value within 24 hours through its core net terms offering, while some approved structures may provide a higher upfront advance. This non-recourse structure transfers covered buyer default risk on approved invoices to Resolve Pay, protecting merchants from bad debt exposure.
The proprietary AI Credit Engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Credit decisions are generally delivered within 24 business hours, with faster decisions available for some eligible transactions. The discreet credit check process means buyers experience no credit score impact.
Resolve Pay's platform automates the entire accounts receivable workflow:
This comprehensive approach reduces AR overhead by up to 90% while maintaining professional customer communications throughout the payment cycle. Research shows that B2B payment terms have extended significantly, making automation increasingly critical for cash flow management.
Resolve Pay provides native integrations that distinguish the platform from competitors:
Most teams launch in under one week with standard platform implementations. The BigCommerce integration earned Resolve Pay the 2025 Innovative Integration Award for seamless B2B checkout capabilities.
The B2B payment portal maintains seller brand identity throughout the buyer journey. Buyers interact with a branded dashboard showing all invoices, credit lines, and payment history. Payment options include ACH (included), wire transfer (included), credit card (fees passed to buyer), and check. This white-label approach preserves customer relationships and maintains brand consistency.
Resolve Pay is SOC 2 Type II attested and independently audited. Resolve originated as a B2B spinout associated with Affirm, and its credit team includes professionals with experience at companies such as Amazon and PayPal.
FundThrough positions itself as an invoice factoring company providing quick access to cash from outstanding invoices. The platform offers several characteristics:
FundThrough has provided over $1 billion in total funding to small and medium businesses across the US and Canada. The platform maintains a 4.7-star Google rating.
FundThrough operates on a recourse model. Under recourse factoring, merchants remain responsible if buyers fail to pay invoices. This structure means potential bad debt exposure remains with the seller, which can add costs when customer defaults occur. The platform requires customer notification as part of the factoring arrangement, meaning buyers become aware of the financing relationship.
FundThrough focuses specifically on invoice factoring functionality. The platform is primarily focused on invoice factoring, with accounts receivable and collections support for funded invoices rather than a full standalone AR automation suite. The platform works for businesses seeking invoice liquidity without operational changes to their AR processes.
Gaviti operates as an AR platform covering collections automation, credit and risk management, disputes, payment workflows, and cash application. The platform serves finance teams looking to improve collections efficiency. Key platform characteristics include:
Gaviti maintains a 4.4-4.5/5.0 rating on G2 with 170-190 reviews, and a 4.5/5.0 rating on Capterra with 82 reviews.
Gaviti's platform offers ERP-agnostic connectivity, connecting to multiple ERPs simultaneously including proprietary systems. The platform includes credit applications, monitoring, and configurable approval workflows. User feedback highlights real-time AR insights, workflow automation that reduces manual collection work, and multi-entity support for complex organizational structures.
Its publicly documented offering does not provide invoice financing comparable to Resolve Pay, so businesses seeking an upfront funding component would need a separate financing arrangement.
Resolve Pay provides non-recourse invoice financing with advances up to 90% within 24 hours. The platform offers net terms at checkout (Net 30/60/90) and transfers credit risk on approved invoices.
FundThrough provides recourse invoice financing with advances up to 100% minus fees, funded next business day. The platform does not offer net terms at checkout, and sellers remain liable for buyer defaults.
Gaviti does not provide invoice financing. Its publicly documented platform focuses on AR operations rather than providing the invoice-financing component.
Resolve Pay includes automated invoice generation, smart payment reminder sequences, multi-channel agentic collections, ML-powered cash application, dispute management, and white-label customer portal.
FundThrough handles accounts receivable and collections activity associated with funded invoices. The platform focuses primarily on the factoring workflow rather than comprehensive AR automation.
Gaviti provides collections automation as its primary focus, with advanced dispute management, AI-powered cash application, and customer portal functionality. The platform offers workflow automation, predictive analytics, and multi-entity support.
Resolve Pay integrates with e-commerce platforms (Shopify, BigCommerce, WooCommerce, Magento), ERP systems (NetSuite, QuickBooks, Xero, Sage Intacct), and provides REST API with webhooks. White-label capability is included.
FundThrough integrates with accounting systems including QuickBooks Online, Xero, Sage, NetSuite, and OpenInvoice. The platform provides FundThrough API access. No e-commerce platform integrations are documented.
Gaviti offers ERP-agnostic connectivity supporting multiple ERPs including proprietary systems. The platform provides API access and white-label capability for its customer portal.
Resolve Pay uses a proprietary AI-powered buyer credit decisioning engine that generally delivers decisions within 24 business hours, with faster decisions for some eligible transactions. The platform offers discreet business credit assessment and credit line management that adjusts with payment history.
FundThrough conducts invoice and customer underwriting for funding as part of its invoice funding approval process.
Gaviti provides credit applications, monitoring, and configurable approval workflows. The platform includes automated approval workflows and real-time credit-risk alerts for credit-limit management and monitoring.
The distinction between recourse and non-recourse financing represents one of the most significant differences in B2B payment solutions. Recourse factoring means the merchant retains liability if buyers fail to pay. When a customer defaults, the factoring company can require the seller to repurchase the invoice or provide a replacement.
Non-recourse financing from Resolve Pay transfers approved buyer default risk to the platform. If an approved customer fails to pay, Resolve Pay absorbs the loss, not the merchant. This structure provides insurance-like protection that eliminates bad debt exposure on qualified invoices.
The financial impact becomes clear when examining annual costs. On $1 million in annual invoice volume, bad debt rates of 1-3% translate to $10,000-$30,000 in potential losses under recourse arrangements. Non-recourse protection eliminates this exposure entirely on approved invoices. Beyond financial protection, non-recourse arrangements preserve business relationships by enabling merchants to extend credit confidently to new customers.
The advantages of Resolve Pay's integrated approach translate to measurable business outcomes across diverse B2B companies:
Revenue Growth Impact:
Operational Efficiency Gains:
New Business Enablement:
Resolve Pay implementation typically takes under one week with native integrations. The platform includes dedicated Partner Success Manager support for implementation. Two-way ERP sync enables automatic invoice and payment data synchronization from day one.
FundThrough setup involves creating an account, connecting supported accounting software or uploading invoices, and completing invoice and customer verification. Approved invoices can generally be funded as soon as the next business day.
Gaviti implementation typically takes 2-4 weeks based on enterprise software standards. ERP-agnostic connectivity supports diverse tech stacks but may require custom configuration. IRS guidance on business expenses helps companies understand the tax implications of different financing and software arrangements.
Resolve Pay's integrated approach consolidates multiple B2B financial operations into a single platform. The combination of net terms management, non-recourse financing, and accounts receivable automation eliminates the need for businesses to manage multiple vendor relationships while protecting against bad debt exposure.
For manufacturers, distributors, and wholesalers seeking to accelerate cash flow while offering competitive payment terms, Resolve Pay provides:
The platform serves mid-market B2B sellers across industries including HVAC parts distribution, electrical and plumbing supplies, industrial equipment, building materials, medical devices, and commercial kitchen equipment. With 15,000+ businesses actively using the platform and a 5.0/5.0 G2 rating, Resolve Pay delivers measurable results in revenue growth, operational efficiency, and new business enablement.
Invoice factoring converts existing invoices into immediate cash after you have already issued them to customers. Net terms financing from Resolve Pay enables you to offer payment terms (Net 30/60/90) at the point of sale while receiving advances within 24 hours. The key distinction is timing: factoring works with past invoices while net terms financing integrates into your sales process to help win more business.
Non-recourse financing means Resolve Pay assumes the default risk on approved invoices. If an approved buyer fails to pay, Resolve Pay absorbs the loss rather than requiring the seller to repurchase the invoice. This structure eliminates bad debt exposure on qualified transactions, providing insurance-like protection that recourse factoring arrangements do not offer.
Yes, Resolve Pay provides native integrations with NetSuite, QuickBooks Online, Xero, and Sage Intacct. The platform supports two-way sync for invoice, payment, and reconciliation data. For e-commerce, native integrations cover Shopify, BigCommerce, WooCommerce, and Magento with embedded checkout capabilities.
Mid-market B2B sellers in manufacturing, distribution, and wholesale industries benefit most from comprehensive AR automation. These businesses typically manage high invoice volumes, diverse customer credit profiles, and extended payment terms. Companies with $1M+ annual revenue often see the greatest ROI from automating credit decisions, invoicing, collections, and reconciliation processes.
No, Resolve Pay uses discreet credit checks that do not notify buyers and do not impact their credit scores. The proprietary AI Credit Engine evaluates thousands of data points including cash flow trends, payment history, and behavioral signals without triggering hard credit inquiries that could affect buyer credit profiles.
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.