Selecting the right B2B invoice financing solution determines whether your business maintains healthy cash flow while scaling operations. While FundThrough offers invoice factoring and Kriya combines UK business finance with an internationally available embedded PayLater product, Resolve Pay delivers non-recourse net terms financing combined with AR automation for US mid-market suppliers. Understanding the differences between invoice factoring, embedded PayLater, and integrated non-recourse net terms platforms helps manufacturers, distributors, and wholesalers evaluate how each model approaches funding, credit, and receivables.
The B2B financing landscape encompasses distinct approaches that serve different operational needs and risk tolerances. 65% of U.S. firms seeking financing did so to meet operating expenses, according to the Federal Reserve’s Small Business Credit Survey, highlighting the importance of accessible working capital for managing cash flow.
Resolve Pay combines non-recourse net terms financing with credit decisioning, AR automation, collections workflows, reconciliation, and ecommerce integrations.
FundThrough provides invoice factoring for businesses seeking to convert eligible unpaid invoices into working capital.
Kriya offers invoice finance alongside embedded PayLater capabilities for B2B commerce.
Funding structures differ by product and approved facility:
Resolve Pay differentiates its offering by combining non-recourse funding with credit, receivables, collections, and payment workflows in one platform.
The distinction between non-recourse and recourse financing fundamentally changes seller risk exposure. Recourse financing means the seller remains liable if the buyer fails to pay. When a customer defaults, the factoring company can require the seller to repurchase the invoice or offset the loss against future funding.
Resolve Pay's non-recourse model provides protection on approved transactions, subject to the approved structure and applicable terms. When Resolve Pay's AI credit engine approves a buyer, the seller receives funding without exposure to that buyer's payment behavior. This protection enables growth strategies including offering terms to first-time buyers, extending larger credit lines, and entering new markets.
FundThrough operates on a recourse basis where sellers retain responsibility for buyer defaults. Under FundThrough's recourse structure, responsibility for significantly overdue or unpaid funded invoices can return to the seller.
Customer satisfaction metrics reveal meaningful differences:
Resolve Pay's rating reflects consistent execution across implementation, ongoing support, and platform functionality.
Resolve Pay operates as a comprehensive B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and eliminating credit risk. The platform combines net terms financing, AR automation, AI-powered credit decisioning, and automated collections in a single solution.
The non-recourse financing model distinguishes Resolve Pay from traditional factoring. When Resolve Pay approves a buyer for credit, the platform assumes default risk on those invoices. Sellers can receive approved advances within 24 hours while Resolve Pay assumes the applicable non-recourse repayment risk.
Net Terms Financing:
AI Credit Engine:
AR Automation Platform:
Agentic Collections:
Resolve Pay provides native integrations across ecommerce and accounting platforms:
Resolve Pay integrations can automate data movement between connected finance and commerce systems. Exact sync behavior depends on the platform and configuration. Supported workflows can include importing customer and invoice information, syncing payment and reconciliation data, connecting credit and receivables workflows, and linking ecommerce, ERP, and accounting processes.
FundThrough positions itself as an invoice factoring solution providing quick working capital against outstanding invoices. The Toronto-based platform focuses on invoice factoring for businesses seeking working capital against eligible outstanding invoices.
FundThrough's model centers on converting invoices to cash:
Several factors define FundThrough's scope:
FundThrough handles collection activity associated with funded invoices. Resolve Pay extends further into automated AR workflows with configurable, multi-channel collection sequences across email, SMS, and voice AI.
Kriya, formerly known as MarketFinance, is a UK-founded B2B finance provider offering invoice finance and embedded PayLater solutions. The platform was acquired by Allica Bank in October 2025, providing bank-backed stability.
Kriya's product portfolio includes:
Kriya combines UK-focused business finance with an embedded PayLater product that also supports international buyer transactions.
Kriya provides embedded PayLater APIs for international B2B transactions, while Resolve Pay provides ecommerce, accounting, ERP, and API integrations built around its net terms and AR workflows.
Managing accounts receivable effectively determines whether B2B businesses, which account for about 30% of U.S. GDP, can invest in growth or remain constrained by payment cycles.
Standalone factoring solves only the funding component, leaving businesses to manage invoicing, collections, reconciliation, and credit decisions separately. This fragmented approach requires multiple tools, vendors, and staff time.
Resolve Pay's integrated AR automation combines these functions:
Traditional collections rely on manual follow-up calls and emails, consuming staff time while producing inconsistent results. Resolve Pay's agentic collections automates this process through multi-channel sequencing, intelligent escalation, configurable timing, and automatic pausing when payment or dispute is detected.
The key distinction lies in tone and approach. Resolve Pay's collections automation maintains professional, friendly communication that preserves relationships through payment reminders framed as helpful notifications, escalation that feels natural, dispute handling that addresses concerns, and human escalation paths for complex situations.
Integration capabilities determine whether a financing solution fits within existing operations or requires process changes. The U.S. Small Business Administration emphasizes proper bookkeeping and financial management, including tracking accounts receivable, accounts payable, available cash, and bank reconciliation.
Resolve Pay provides native integrations across the platforms mid-market businesses use:
Ecommerce Platforms:
Accounting and ERP:
Implementation speed affects time-to-value. Resolve Pay's turnkey integrations enable most teams to launch quickly, compared to weeks or months for custom implementations.
FundThrough offers QuickBooks connectivity but does not provide the broader integration ecosystem for ecommerce and enterprise ERP systems. Kriya provides embedded API options primarily for its PayLater product.
For manufacturers, distributors, and wholesalers seeking to grow their net terms programs while eliminating credit risk, Resolve Pay's integrated platform provides comprehensive protection, automation, and ease of use.
Resolve Pay serves mid-market B2B suppliers with:
Customer results demonstrate this fit:
The platform delivers measurable advantages:
FundThrough's recourse factoring structure differs from Resolve Pay's non-recourse model and broader AR automation approach. Resolve Pay takes a broader approach by combining net terms financing with credit, collections, reconciliation, and AR automation.
For US manufacturers and distributors, the relevant comparison is how Kriya's product coverage, integrations, and underwriting model align with their specific operating requirements. Kriya combines invoice finance with embedded PayLater capabilities, while Resolve Pay provides an integrated non-recourse platform designed specifically for B2B suppliers managing net terms at scale.
Invoice factoring involves selling invoices to a third party who may participate in collecting payment from buyers, while invoice financing uses invoices as collateral for a loan while the business retains ownership. Resolve Pay offers net terms financing that advances cash against invoices with non-recourse protection, meaning sellers do not bear the risk if approved buyers fail to pay.
When Resolve Pay's AI credit engine approves a buyer, the platform assumes the default risk on those invoices. If an approved buyer fails to pay, Resolve Pay absorbs the loss rather than requiring the seller to repurchase the invoice or offset against future funding. This eliminates bad debt exposure on approved transactions and enables confident growth.
Resolve Pay is designed primarily for established B2B sellers such as manufacturers, distributors, and wholesalers. Buyer creditworthiness affects credit decisions, while merchant eligibility requirements also apply. Resolve Pay's documented target eligibility includes businesses with at least $1M in annual B2B revenue selling to other businesses.
Resolve Pay provides native integrations with Shopify, BigCommerce, WooCommerce, Magento, QuickBooks Online, Xero, Sage Intacct, and NetSuite, plus a REST API for custom connections. FundThrough offers QuickBooks connectivity focused on invoice factoring workflows. Kriya provides embedded API options primarily for its PayLater product across supported markets.
Businesses should compare risk allocation, funding structure, buyer credit workflows, collections responsibilities, integrations, and AR automation. Resolve Pay combines non-recourse net terms financing with credit decisioning, collections, reconciliation, and payment workflows in one platform, while FundThrough focuses on recourse factoring and Kriya offers invoice finance with embedded PayLater.
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.