Selecting the right B2B payment solution can determine whether your business grows through competitive net terms or remains trapped waiting 30 to 90 days for customer payments. While FundThrough operates as an invoice factoring service and Paystand functions as a payment processing and AR automation platform, Resolve Pay delivers non-recourse net terms financing combined with complete AR automation in a single integrated platform. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers select the approach that matches their cash flow needs, risk tolerance, and growth objectives.
When B2B sellers evaluate payment and financing solutions, the choice between invoice factoring, payment processing networks, and integrated net terms platforms represents fundamentally different approaches to managing cash flow and customer relationships. This comparison reveals why Resolve Pay's integrated approach delivers results for manufacturers, distributors, and wholesalers who want to offer competitive payment terms while managing credit risk and accelerating cash flow.
The B2B payment technology market encompasses three distinct categories, each serving different operational models and business objectives. The global invoice factoring market reached USD 3.4 trillion in 2024 and is projected to reach USD 5.2 trillion by 2030, driven by SME demand for alternative financing. Understanding these fundamental differences helps finance leaders select tools aligned with their growth stage and execution capacity.
Invoice factoring companies like FundThrough serve as financing intermediaries that purchase existing invoices at a discount. These services provide immediate cash by advancing funds against outstanding receivables. The value proposition centers on quick access to working capital from invoices already issued. These arrangements typically involve customer notification and payment redirection to the factoring provider.
Payment processing networks like Paystand provide infrastructure for collecting payments efficiently. These platforms offer AR automation, multiple payment rails, and workflow management that helps finance teams reduce manual processing. The value proposition focuses on improving collection efficiency. However, these platforms do not solve the fundamental timing problem of waiting 30 to 90 days for customers to pay.
Integrated net terms platforms like Resolve Pay represent a different approach. Rather than purchasing existing invoices or simply processing payments, Resolve Pay enables sellers to offer Net 30, 60, or 90 terms proactively as a sales tool while receiving advance payments on eligible approved invoices and reducing seller exposure to buyer default risk. The system combines buyer credit assessment, financing, AR automation, payment collection, and collections in a single platform.
The fundamental distinction lies in execution philosophy: factoring services monetize existing receivables, payment networks improve collection efficiency, and Resolve Pay creates a complete credit-to-cash workflow that supports sales growth.
Resolve Pay operates as a B2B payments platform purpose-built for manufacturers, distributors, and wholesalers that want to offer flexible payment terms while improving cash flow and managing credit risk. Co-founders Chris Tsai and Brian Nguyen worked closely with Affirm before spinning off the B2B concept in 2018, with Resolve originating from Max Levchin's HVF venture studio.
The platform's core offering centers on non-recourse net terms financing. When a seller offers Net 30, 60, or 90 terms to an approved buyer, Resolve Pay advances up to 90 to 100% of the invoice value within 1 to 2 business days. The seller receives advance payment while the buyer pays on terms. For eligible approved invoices covered by Resolve Pay's non-recourse structure, buyer default does not create a repayment obligation solely because the buyer fails to pay.
Key capabilities include:
The Agentic Collections system uses automated multi-channel sequences across email, SMS, and voice AI with intelligent escalation based on buyer response and payment history. The system pauses automatically when payment or dispute is received and logs all interactions to invoice records.
The white-label B2B payment portal provides buyers with a branded dashboard showing all invoices, credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check through a mobile-responsive checkout experience.
Resolve Pay serves mid-market B2B manufacturers, distributors, and wholesalers who want to offer competitive net terms to win larger orders and repeat business while managing credit risk exposure. The platform works for businesses that need integrated AR automation without stitching together multiple vendors, sell through ecommerce channels, and prioritize preserving buyer relationships through white-label experiences.
Customer results demonstrate the platform's impact. Archipelago Lighting tripled revenue while reducing credit approval time from 10 days to 24 hours. Trenchless Supply achieved 90% reduction in AR workload. These outcomes reflect the value of combining non-recourse financing with comprehensive automation.
FundThrough positions itself as an invoice factoring service focused on providing quick cash from existing invoices. The platform serves small and medium businesses that need to convert outstanding receivables into working capital.
The service operates on a factoring model where sellers submit invoices for factoring and FundThrough advances funds against those receivables. FundThrough offers 24-hour funding turnaround after approval and provides up to 100% advance rates on invoices, meaning sellers can receive the full invoice amount minus applicable charges.
Key characteristics include:
FundThrough evaluates both the submitted invoice and the underlying customer's creditworthiness to determine funding eligibility. Its factoring process focuses on invoices that have already been issued for completed work.
FundThrough's G2 rating stands at 2.7/5 from 3 reviews.
FundThrough works for businesses that need quick access to cash from existing invoices, want flexible access to invoice factoring, use QuickBooks Online as their primary accounting system, and can work with the Notice of Assignment process.
The platform focuses on invoice monetization rather than proactive net terms management, making it suitable for reactive cash flow needs.
Paystand operates as a B2B payment network and AR automation platform focused on improving payment collection efficiency. Founded in 2013, the company has built a network processing over USD 20 billion in payment volume across more than 1 million businesses.
Paystand operates a proprietary B2B payment network designed to support digital bank-to-bank payments alongside its accounts receivable automation workflows. The platform provides AR automation capabilities including invoice generation, payment reminders, and reconciliation workflows.
Key features include:
However, Paystand does not provide financing or working capital solutions. The platform improves payment collection efficiency but does not solve the fundamental timing problem of waiting 30 to 90 days for customer payments. Sellers using Paystand still experience the cash flow gap between invoice issuance and payment receipt.
Implementation timelines average 3 months, longer than Resolve Pay's rapid deployment through pre-built integrations. Paystand maintains a 4.4/5 G2 rating from 607 reviews.
Paystand serves companies that process high payment volumes through digital B2B payment workflows, already have working capital and financing needs solved elsewhere, require deep enterprise ERP integration with NetSuite or Sage Intacct, need blockchain audit trails for regulatory compliance, and can accept longer implementation timelines for comprehensive platform deployment.
The platform excels at payment infrastructure but requires pairing with separate financing solutions to address cash flow timing challenges.
The distinction between invoice factoring and net terms financing represents an important decision point when comparing these three platforms. This choice determines how buyer credit risk and cash-flow timing are managed.
Invoice factoring involves selling existing invoices to a third party in exchange for immediate cash. FundThrough operates in this model. The process works reactively: a seller issues an invoice, waits for the customer to acknowledge it, then submits that invoice for factoring.
FundThrough evaluates both the submitted invoice and the underlying customer's creditworthiness to determine funding eligibility. Under FundThrough's factoring model, buyers are notified of the payment redirection through a Notice of Assignment, and FundThrough manages collection activity for funded invoices.
Net terms financing through Resolve Pay operates proactively as a sales enablement tool. Rather than monetizing existing invoices after the fact, sellers offer payment terms (Net 30, 60, or 90) to buyers at the point of sale. Resolve Pay evaluates the buyer's creditworthiness, approves a credit line, and advances funds to the seller when the order ships.
The non-recourse structure means eligible approved invoices can receive protection from buyer-default recourse. If a covered buyer defaults, the seller is not required to repay the advance solely because of that default.
The white-label experience maintains the seller's brand throughout the buyer journey. Buyers interact with a payment portal bearing the seller's branding. No customer notification of the financing arrangement is required.
Resolve Pay provides proactive sales enablement through net terms, with non-recourse protection on eligible approved invoices and no customer notification required. Working capital advances occur within 1 to 2 days while enabling competitive payment term offers.
FundThrough provides reactive invoice monetization through factoring, with Notice of Assignment customer notification. Advances occur within 24 hours for accepted invoices but do not enable proactive payment term offers.
Paystand focuses on payment collection and AR automation without providing working capital or financing solutions. The platform handles payment infrastructure but requires sellers to wait for customers to pay within agreed terms.
All three platforms address AR automation to varying degrees, but the scope and integration depth differ significantly across factoring, payment network, and integrated net terms approaches.
Resolve Pay provides comprehensive AR automation as part of its integrated platform:
A documented customer example reported 90% reduction in AR workload after implementing Resolve Pay's automation capabilities. This efficiency gain comes from consolidating credit, financing, invoicing, payments, and collections into a single workflow.
FundThrough focuses primarily on invoice factoring rather than comprehensive AR automation. The platform integrates with QuickBooks Online for invoice data access but centers on the factoring transaction itself.
Businesses using FundThrough for invoice factoring may need separate tools for invoice generation, payment reminders, and cash application across their full receivables portfolio.
Paystand provides AR automation capabilities including invoice management, payment collection workflows, and reconciliation features. The platform offers strong ERP integrations with NetSuite, Sage Intacct, and Dynamics 365 that serve enterprise requirements.
Paystand provides automation for invoicing, payment collection, cash application, reconciliation, and related AR workflows. However, Paystand's 3-month average implementation timeline extends time-to-value compared to Resolve Pay's rapid deployment.
Cash flow timing represents a fundamental challenge these platforms address differently through factoring, payment processing, and integrated net terms financing.
B2B sellers offering net terms face a structural cash flow gap. They deliver products and issue invoices but wait 30, 60, or 90 days for payment. This gap creates working capital constraints that limit growth, inventory investment, and operational flexibility.
The B2B payments market continues expanding, with solutions addressing cash flow timing increasingly determining competitive advantage.
Resolve Pay can accelerate cash flow through non-recourse advances on eligible approved invoices. Sellers can offer payment terms while reducing exposure to buyer-default risk. Sellers receive up to 90 to 100% of invoice value within 1 to 2 business days while buyers pay on their agreed terms. This converts 30 to 90 day receivables into advance working capital.
FundThrough provides access to cash through invoice factoring with 24-hour funding after approval. The platform offers up to 100% advance rates on eligible invoices.
The factoring model provides quick access to working capital from existing invoices. Companies can submit invoices as needed for spot factoring based on immediate cash requirements.
Paystand accelerates payment collection but does not provide financing. Businesses using Paystand still wait for customers to pay within their agreed terms. While improved collection processes may support faster payment, the platform cannot convert future receivables into immediate cash.
Companies needing working capital must pair Paystand with separate financing solutions, adding vendor complexity and integration requirements.
Credit assessment capabilities vary across these platforms, affecting both speed and risk management approaches. Resolve Pay integrates proactive buyer underwriting, FundThrough evaluates invoices for factoring eligibility, and Paystand focuses on payment collection without credit decisioning.
Resolve Pay's AI Credit Engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. The system delivers credit decisions within seconds for qualified buyers, while broader credit assessments can be completed within 24 business hours. Some purchases up to USD 25,000 receive instant approval.
Key credit assessment features include:
Archipelago Lighting reduced credit approval time from 10 days to 24 hours while offering higher credit lines through Resolve Pay's AI underwriting.
FundThrough evaluates both the submitted invoice and the underlying customer's creditworthiness to determine funding eligibility. Because FundThrough evaluates customers as part of its factoring process, sellers should not be described as solely responsible for buyer evaluation.
The factoring model means credit assessment determines which invoices are eligible for funding and at what advance rate.
Paystand does not provide credit assessment or underwriting services. The platform focuses on payment collection rather than credit decisioning. Sellers using Paystand must evaluate buyer creditworthiness through their own processes or separate tools.
Collection processes significantly impact both cash flow and customer relationships. The approaches across these platforms differ based on whether they provide integrated collections, manage factored invoice collections, or support collection workflows.
Resolve Pay's current Agentic Collections platform supports automated multi-channel outreach across email, SMS, voice, and the payment portal, with configurable sequencing and escalation.
The system operates through configurable tier-based sequences:
All interactions are logged to invoice records automatically. The professional, friendly tone preserves customer relationships while supporting collection efficiency. Customer results include substantial reductions in manual AR work, while Resolve Pay's Agentic Collections automates follow-up across email, SMS, voice, and payment-portal workflows to help teams manage overdue receivables more efficiently.
Under FundThrough's factoring model, buyers are notified of the payment redirection through a Notice of Assignment, and FundThrough manages collection activity for funded invoices. The factoring provider handles outreach and collection on submitted invoices.
Paystand provides AR automation and collections workflows. In September 2026, Paystand announced a Collections Agent in private beta that researches customer payment behavior, prioritizes accounts, and drafts personalized outreach for human review.
The platform helps streamline follow-up processes as part of its broader AR automation capabilities.
Technical capabilities and integration depth determine how quickly teams can deploy and how well solutions fit existing technology stacks. Resolve Pay provides native ecommerce and ERP integrations, FundThrough focuses on QuickBooks connectivity, and Paystand offers enterprise ERP connections.
Resolve Pay provides native integrations across the B2B commerce ecosystem:
Ecommerce Platforms:
ERP and Accounting Systems:
Technical Infrastructure:
Most teams launch in under one week through pre-built integrations, enabling rapid time-to-value.
FundThrough maintains a QuickBooks Online partnership as its primary integration. The platform focuses on invoice upload and factoring transaction management rather than deep system connectivity across multiple platforms.
Paystand provides enterprise ERP integrations with NetSuite, Sage Intacct, and Dynamics 365. These connections serve finance teams at larger organizations managing complex accounting requirements.
However, Paystand's 3-month average implementation timeline reflects the complexity of enterprise deployments. The extended timeline delays value realization compared to Resolve Pay's rapid launch capability.
Review platforms provide independent validation of customer experiences across these solutions:
Resolve Pay: 5.0/5 G2 rating from 17 reviews with 100% five-star ratings. Customers praise exceptional customer service and support responsiveness, fast buyer approval processes enabling efficient onboarding, ease of use and automation reducing AR workload, and integrated payment workflows through native integrations. G2 ease of use score of 9.8/10.
FundThrough: 2.7/5 G2 rating from 3 reviews with 0% 5-star, 66% 4-star, 33% 1-star distribution. Customer feedback mentions fast funding and simple processes for invoice submission.
Paystand: 4.4/5 G2 rating from 607 reviews with 66% 5-star and 27% 4-star distribution. Customers appreciate digital bank-to-bank payment capabilities, strong ERP integrations for enterprise workflows, responsive customer support, and blockchain audit trails for compliance.
For B2B manufacturers, distributors, and wholesalers seeking to grow through competitive payment terms, Resolve Pay provides a comprehensive approach that integrates buyer credit decisioning with net terms, advance payments, accounts receivable automation, payments, and collections within one connected workflow.
Risk Management: Resolve Pay provides non-recourse financing on eligible approved invoices, allowing sellers to receive advance payments without a repayment obligation arising solely from an approved buyer's default.
Sales Enablement: Net terms become a competitive advantage supported by AI credit decisions that can accelerate buyer onboarding and help close deals faster.
Operational Efficiency: The integrated platform combines credit, financing, AR automation, payments, and collections in a single workflow. A documented 90% reduction in AR workload demonstrates operational impact.
Customer Relationships: White-label experiences with no customer notification preserve supplier-buyer relationships. Professional collection processes maintain goodwill while supporting cash flow.
Proven Results: 5.0/5 G2 rating with 100% five-star reviews, 15,000+ businesses served, and customer results including tripled revenue validate the platform's effectiveness for B2B sellers focused on growth.
FundThrough centers on factoring eligible existing invoices, while Paystand centers on B2B payment infrastructure and AR automation. Resolve Pay combines buyer credit, net terms, invoice advances, payments, and receivables workflows for sellers that want these functions connected within one platform.
Resolve Pay integrates buyer credit decisioning with net terms before or during the sales process. Eligible approved invoices can receive non-recourse advance payments while buyers pay according to their approved terms. Traditional factoring generally begins after an invoice has already been issued for completed work.
Resolve Pay brings invoicing, reconciliation, payment reminders, buyer payment workflows, and collections automation into one platform. A documented customer example reported a 90% reduction in AR workload after implementing Resolve Pay.
Resolve Pay can provide advance payments on eligible approved invoices rather than requiring sellers to wait through the buyer's full payment term. Funding timing and advance amounts depend on the approved transaction and program terms.
Resolve Pay provides native integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite for accounting and ERP. Ecommerce integrations include Shopify, BigCommerce, WooCommerce, and Magento 2 with checkout-embedded net terms. REST API with webhooks enables custom integrations.
Resolve Pay serves mid-market B2B manufacturers, distributors, and wholesalers with over USD 1 million annual revenue in industries including HVAC parts distribution, electrical supplies, plumbing supplies, industrial equipment, medical devices, and construction materials.
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.