Resolve Pay vs FundThrough vs OnDeck

B2B companies do not all run into the same cash-flow problem, even when the symptoms look similar on the surface. One business may be trying to offer net terms without stretching its own balance sheet. Another may be dealing with a handful of large invoices that take weeks to collect. A third may simply need general working capital for payroll, inventory, or equipment. Recent small business lending and credit research from the Federal Reserve shows why these distinctions matter, especially when companies are balancing growth with tighter credit conditions. That is why a comparison like Resolve Pay vs FundThrough vs OnDeck matters: these providers sit in adjacent categories, but they are built for different workflows, different finance teams, and different operating realities.

For US suppliers, manufacturers, distributors, and B2B ecommerce merchants, the real question is not just how to access capital. It is how to support buyer demand, accelerate cash flow, and reduce credit and receivables friction at the same time. That is where Resolve Pay net terms stands apart. Resolve Pay combines buyer underwriting, upfront seller payment, and accounts receivable automation in one platform, with a structure designed around ongoing B2B trade. FundThrough is more closely tied to invoice-by-invoice factoring, while OnDeck is positioned around general small business lending. If your team is evaluating all three, the right choice depends on whether you need embedded net terms infrastructure, selective receivables financing, or broader working-capital access.

Key Takeaways

• Resolve Pay fits ongoing B2B trade: It is built for suppliers that want to offer net terms, get paid quickly, and centralize underwriting, invoicing, collections, and reconciliation in one workflow.
• Cash-flow tools solve different problems: FundThrough is generally used for individual receivables, while OnDeck is structured around general-purpose business financing rather than buyer-specific trade credit.
• Credit operations matter as much as funding: For sellers managing repeat buyers, automated underwriting and collections can matter just as much as access to cash.
• Buyer experience affects revenue growth: Net terms embedded into checkout, portals, and invoicing workflows can help suppliers support larger and more repeat B2B orders.
• AR automation reduces manual drag: Teams evaluating finance platforms should look beyond funding speed and compare how much operational work each option removes from finance and collections staff.
• Resolve Pay is the strongest fit for US mid-market suppliers: It is the only platform in this comparison purpose-built around non-recourse net terms plus integrated receivables operations for B2B sellers.

Resolve Pay vs FundThrough vs OnDeck at a glance

Resolve Pay is the best fit for US B2B suppliers that want to offer buyers net terms while still getting paid promptly and reducing credit exposure. The platform is designed around the full credit-to-cash cycle, combining business credit checks, invoicing, collections, payments, and seller payouts in a single system.

FundThrough is generally aligned with businesses that want to advance cash against specific unpaid invoices. That model can be useful when a company has a concentrated receivables issue or wants to unlock liquidity from individual invoices rather than redesign its full B2B payment workflow.

OnDeck serves a different use case. It provides small business term loans and lines of credit, which can support broader operating needs like hiring, inventory, or short-term working capital. It is not structured as a net terms platform or an accounts receivable workflow product.

For B2B sellers that need a long-term trade-credit solution rather than one-off financing, Resolve Pay is the most complete platform in this group.

Why teams compare these three platforms

Finance and operations teams usually start this comparison because cash flow is under pressure, but the underlying reasons vary.

Revenue is growing faster than collections capacity

When sales expand, receivables complexity usually expands with them. More invoices, more buyers, more approval requests, and more collection follow-up can create friction across sales and finance. Resolve Pay addresses this by combining AR automation, underwriting, and payment workflows inside one platform.

Traditional net terms create balance-sheet strain

Offering terms can help B2B sellers win larger orders, but self-funding those terms can tie up working capital. Resolve Pay is designed so sellers can extend terms to buyers without taking on the same operational and credit burden internally.

One-off funding is not always enough

For some businesses, advancing a single invoice helps at the moment. But if the underlying challenge is recurring B2B terms management, invoicing, and collections, a broader system can create more lasting value than transaction-by-transaction financing.

General business debt solves a different problem

A loan or line of credit can be useful for overall liquidity, but it does not automatically streamline receivables operations or buyer underwriting. That distinction is important for suppliers deciding whether they need funding, workflow automation, or both.

Quick overview

Resolve Pay

Resolve Pay is a B2B payments and net terms platform built for merchants, wholesalers, manufacturers, and distributors. Its core value is straightforward: help sellers offer trade credit to buyers while improving cash flow and reducing receivables friction. Based on the Resolve Pay context materials, the platform supports upfront payment, automated credit decisions, branded buyer portals, collections workflows, and integrations across ecommerce, ERP, and accounting systems.

Resolve Pay also supports sellers that operate across multiple order channels. Whether business buyers transact through a sales rep, invoice flow, or online storefront, Resolve Pay can support terms, payments, and reconciliation in one system. For teams that want a more operationally complete alternative to factoring, that breadth matters.

FundThrough

FundThrough is generally described as an invoice factoring platform focused on helping businesses unlock cash from outstanding invoices. Its model is most relevant for companies that want to submit individual receivables for funding rather than embed buyer financing directly into checkout and AR workflows.

That approach can fit businesses with large invoices, long payment cycles, and episodic working-capital gaps. In those situations, invoice-specific funding may be enough. But the category remains distinct from embedded B2B payments and net terms infrastructure.

OnDeck

OnDeck is a small business lender known for term loans and lines of credit. In practical terms, that makes it a broader working-capital tool rather than a trade-credit platform. Businesses may use that type of financing for payroll, equipment, inventory, expansion, or short-term operating needs.

For companies that do not need buyer underwriting or receivables automation, that can be the right frame. But it serves a different operational purpose than a platform built around B2B invoices, collections, and customer payment terms.

How each platform approaches cash flow

Resolve Pay: embedded net terms plus receivables operations

Resolve Pay approaches cash flow as a workflow problem as much as a financing problem. The platform underwrites buyers, supports net terms, advances payment on approved invoices, and helps manage invoicing and collections. According to the Resolve Pay context document, Resolve Pay is used by more than 15,000 businesses and can support terms such as Net 30, Net 45, Net 60, and Net 90 while paying sellers quickly on approved invoices. It also supports payment acceptance through ACH, wire, card, check, and branded portals.

This is why Resolve Pay works well for suppliers that want to change the full order-to-cash cycle, not just generate liquidity from a single receivable.

FundThrough: selective receivables funding

FundThrough’s model is closer to selective invoice financing. A business identifies an invoice it wants to fund, receives an advance, and settles the remaining amount when the customer pays. That can be useful when funding needs are tied to specific receivables rather than to the whole customer base.

It is a practical option for businesses that want flexibility around which invoices to finance. But it is best understood as a receivables funding tool, not as a full B2B payments and credit-management platform.

OnDeck: business-level borrowing

OnDeck focuses on the health of the borrowing business rather than the quality of a specific invoice or buyer account. That means its financing is better framed as a small business credit product than as a trade-credit product.

For finance leaders, the takeaway is simple: OnDeck can help fund the business, while Resolve Pay is designed to help restructure how the business sells, invoices, collects, and gets paid.

Feature comparison that matters for finance teams

Rather than focus on headline labels, it is more useful to compare what each option changes inside the business.

Resolve Pay strengths for B2B sellers

Resolve Pay is strongest when a company wants one platform to support the full lifecycle of B2B payments and terms. Key areas include:

• Net terms management for repeat B2B transactions
• Business credit checks and AI-assisted underwriting
• Upfront seller payment on approved invoices
• Non-recourse structure on approved receivables
• Buyer financing and seller workflows built into one system
• B2B payments through a branded portal
• Collections and reconciliation automation
• Integrations across commerce, ERP, and accounting tools

For suppliers that sell through multiple channels and need finance operations to stay organized as volume grows, that combination is compelling.

Where FundThrough tends to fit

FundThrough is better suited to businesses that want to improve liquidity from selected receivables. It is less about building a customer-facing net terms program and more about advancing cash tied to invoices already issued.

That can align with industries where large invoices and slower-paying customers are common. In those cases, selective receivables funding may be the right operational tool.

Where OnDeck tends to fit

OnDeck fits businesses that need fast access to broader working capital. It is not tied to a particular invoice, a particular buyer, or a net terms workflow. That makes it useful in a wider set of business situations, but also means it operates outside the trade-credit automation category.

Implementation and operational impact

Resolve Pay supports workflow change, not just financing

One of the biggest differences in this comparison is what happens after capital is provided. Resolve Pay changes how the business manages credit, invoicing, payments, and collections on an ongoing basis. That can create value far beyond a single funding event, especially for teams trying to reduce DSO, improve visibility, and free up AR bandwidth.

Because Resolve Pay also connects into commerce and accounting systems, it fits businesses that want the payment experience to stay close to their existing stack rather than sit outside of it.

Resolve Pay supports workflow change, not just financing

FundThrough tends to be more transaction-oriented. The benefit is targeted access to liquidity; the operational model remains centered on choosing invoices for funding rather than redesigning the full receivables process.

OnDeck is operationally separate from AR

OnDeck can provide business funding, but it does not inherently change how buyers are approved, how invoices are paid, or how collections are managed. For some businesses that is completely fine. For B2B sellers focused on receivables efficiency, it leaves a separate layer of work to solve elsewhere.

Who should choose Resolve Pay

Resolve Pay is the strongest fit for businesses that sell to other businesses on terms and want a modern credit-to-cash system rather than a narrow financing product.

Choose Resolve Pay if you are a B2B supplier offering repeat terms

Manufacturers, distributors, wholesalers, and B2B merchants often need to support repeat buyer purchasing while staying disciplined on cash flow. Resolve Pay is designed for exactly that model.

Choose Resolve Pay if your finance team wants fewer manual steps

If collections, credit review, reconciliation, and payment follow-up are spread across inboxes and spreadsheets, a platform approach can create more leverage than one-off financing.

Choose Resolve Pay if you want buyer experience and cash flow in one platform

Resolve Pay is particularly relevant when the buyer experience matters. Sellers can extend terms while keeping payment workflows, portals, and approvals aligned with their own brand and operations.

Choose Resolve Pay if you want a modern alternative to factoring

For businesses comparing factoring with a more embedded B2B approach, Resolve Pay is often the more strategic fit. It is built around ongoing trade relationships, not just selling receivables after the fact. That is why resources such as factoring alternative, invoice essentials, and payment terms guide are useful starting points for evaluation.

Final verdict

If your business needs general working capital, a small business lender can be a reasonable place to look. If your business wants to fund specific receivables from time to time, invoice factoring may be the right category. But if you are a US B2B seller looking for a platform that helps you offer terms, get paid quickly, automate receivables, and reduce credit risk exposure, Resolve Pay is the strongest choice in this comparison.

That is the main difference between Resolve Pay and the other providers here: it is built around the day-to-day reality of B2B trade. Instead of treating funding as a one-off event, Resolve Pay connects underwriting, seller payouts, invoicing, payments, and collections into a single workflow. For suppliers that want to support buyer purchasing power while improving internal finance operations, that is a more durable solution.

You can explore accounts receivable, B2B payments, seller solutions, or learn more about Resolve Pay directly.

Frequently Asked Questions

Is Resolve Pay the same as invoice factoring?

No. Resolve Pay is positioned as a B2B payments and net terms platform rather than a traditional factoring product. It supports buyer underwriting, upfront seller payment on approved invoices, and end-to-end receivables workflows in one system.

Does Resolve Pay help with accounts receivable automation?

Yes. Resolve Pay includes receivables workflows such as invoicing, payment collection, reconciliation, and reminders through its accounts receivable platform.

Can Resolve Pay be used with ecommerce and ERP systems?

Yes. Based on the Resolve Pay context materials, the platform supports integrations across ecommerce, ERP, and accounting systems, including tools such as Shopify, BigCommerce, QuickBooks, NetSuite, Magento, and WooCommerce through its integrations page.

What kind of businesses are the best fit for Resolve Pay?

Resolve Pay is best suited to US B2B suppliers, wholesalers, distributors, manufacturers, and merchants that want to offer buyer terms while improving cash flow and reducing manual finance work.

Why is this comparison important for finance teams?

Because these tools solve different problems. Teams need to separate three use cases clearly: ongoing B2B trade-credit operations, invoice-specific funding, and general business borrowing. Once that is clear, Resolve Pay stands out for businesses that want an integrated platform for terms, payments, and receivables.

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.