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.
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.
Finance and operations teams usually start this comparison because cash flow is under pressure, but the underlying reasons vary.
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.
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.
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.
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.
|
Feature |
Resolve |
FundThrough |
OnDeck |
|
Primary Use Case |
Net terms financing + AR automation for US B2B suppliers |
Single-invoice factoring for SMBs with slow-paying customers |
General-purpose small business term loans and lines of credit |
|
Core Product |
Non-recourse net terms with upfront seller payment |
Invoice factoring on individual receivables |
Term loans and revolving lines of credit |
|
Primary Geography |
United States |
United States and Canada |
United States |
|
Credit Decisioning |
AI-powered, seconds-long buyer approvals |
Underwrites the invoice and customer |
Underwrites the borrowing business |
|
Risk Ownership |
Non-recourse on approved invoices |
Varies by program and customer |
Borrower repays regardless of receivables |
|
Funding Speed |
Typically 1-2 business days to seller |
Days, depending on verification |
As soon as same- or next-day for approved borrowers |
|
Ecommerce Integration |
Native Shopify and BigCommerce integration |
Not designed for ecommerce checkout |
Not designed for ecommerce checkout |
|
ERP Integrations |
20+ native integrations, 300+ APIs |
QuickBooks and OpenInvoice integrations |
Not an ERP-integrated AR product |
|
Buyer Portal |
Branded buyer portal for payments and invoices |
Not part of the product |
Not part of the product |
|
Collections Automation |
Included — intelligent dunning and AR team support |
Buyer is notified for invoice payment |
Borrower handles their own AR |
|
Target Customer Size |
Mid-market B2B suppliers, manufacturers, wholesalers |
Small and mid-sized businesses with slow-paying customers |
Small businesses across many industries |
|
Implementation Timeline |
Hours to days |
Standard factoring onboarding and verification |
Standard online loan application |
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 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 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.
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’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 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.
Rather than focus on headline labels, it is more useful to compare what each option changes inside the business.
Resolve Pay is strongest when a company wants one platform to support the full lifecycle of B2B payments and terms. Key areas include:
For suppliers that sell through multiple channels and need finance operations to stay organized as volume grows, that combination is compelling.
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.
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.
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.
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 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.
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.
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.
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.
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.
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.
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.
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.
Yes. Resolve Pay includes receivables workflows such as invoicing, payment collection, reconciliation, and reminders through its accounts receivable platform.
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.
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.
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.