Resolve Pay vs FundThrough vs Settle

Selecting the right B2B finance platform can determine whether your cash flow thrives or struggles under the weight of unpaid invoices and delayed payments. The Federal Reserve defines trade credit as accounts receivable and payable arising from sales of business-related goods and services. Within this landscape, FundThrough offers invoice factoring, Settle primarily focuses on procurement and accounts payable for consumer brands, and Resolve Pay delivers comprehensive non-recourse net terms financing combined with AI-powered accounts receivable automation. Understanding these fundamental differences helps mid-market manufacturers, distributors, and wholesalers select the solution that matches their cash flow needs, risk tolerance, and operational goals.

Key Takeaways

• Resolve Pay, FundThrough, and Settle solve fundamentally different cash flow problems: Resolve Pay handles accounts receivable with buyer credit decisioning and seller financing, FundThrough provides invoice factoring for converting existing invoices to cash, and Settle manages procurement and accounts payable while also offering AR tools
• Resolve Pay provides non-recourse advances on eligible approved invoices, helping sellers reduce covered buyer non-payment risk. FundThrough uses invoice factoring in which funded invoices are assigned and customers pay FundThrough directly
• Resolve Pay's AI-powered AR automation automates invoicing, reconciliation, payment reminders, and collections. Trenchless Supply reported at least a 90% reduction in work required from its team after implementing a two-way integration with Resolve Pay
• Resolve Pay maintains a white-label customer experience where buyers interact only with the seller's brand, while FundThrough requires customer notification of the factoring arrangement through a Notice of Assignment
• Resolve Pay's platform includes native integrations with Shopify, BigCommerce (2025 Innovative Integration Award winner), WooCommerce, and Magento 2, plus comprehensive ERP connections to QuickBooks, NetSuite, Xero, and Sage Intacct
• More than 15,000 businesses actively use Resolve Pay's platform with a 5.0/5.0 G2 rating, while customer outcomes include 5x revenue growth for SS&SI Dealer Network and tripled revenue for Archipelago Lighting

Understanding Invoice Factoring and B2B Financing Options

Invoice factoring represents one approach to accelerating cash flow for B2B companies, but it exists within a broader landscape of financial solutions that serve distinctly different purposes. Understanding how Resolve Pay, FundThrough, and Settle fit into this ecosystem helps businesses identify which platform addresses their specific challenges.

Traditional invoice factoring involves selling unpaid invoices to a third party at a discount in exchange for immediate cash. The factoring company then collects payment directly from the customer. This model has served businesses for decades but comes with significant trade-offs including customer notification and variable pricing based on invoice risk profiles.

Key differences between financing solutions include:

• Risk allocation: Factoring agreements can use recourse or non-recourse structures depending on the applicable arrangement. Resolve Pay provides non-recourse financing on eligible approved advances, helping sellers reduce covered buyer non-payment risk.
• Customer experience: Traditional factoring often requires notifying customers about the arrangement and may involve third-party collection activities. Resolve Pay's white-label payment portal keeps the seller's brand front and center throughout the payment journey.
• Scope of solution: Basic factoring addresses only the cash advance component. Resolve Pay combines financing with comprehensive AR automation including credit decisioning, invoice generation, payment reminders, and collections.

FundThrough positions itself in the invoice factoring category, offering spot factoring with next-day funding capabilities. Settle primarily focuses on procurement, accounts payable, and working capital for consumer brands while also offering accounts receivable and order-to-cash tools for creating invoices, receiving payments, tracking payment status, and reconciling transactions.

Invoice Factoring for Small and Mid-Market Businesses

Small and mid-market B2B companies face unique challenges when evaluating financing options. The right solution depends on business size, industry focus, and specific operational needs.

Eligibility and Requirements

Resolve Pay targets mid-market B2B sellers with typically $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. The platform works particularly well for:

• HVAC parts distributors
• Electrical and plumbing suppliers
• Industrial equipment manufacturers
• Construction materials suppliers

FundThrough serves businesses across various sizes, with their spot factoring model allowing companies to fund individual invoices without long-term commitments. Their model includes invoice verification, assignment of funded invoices, and customer payment to FundThrough.

Settle specifically serves consumer brands needing procurement, accounts payable automation, and working capital. The platform has provided significant funding since 2019 for purchase orders and inventory financing.

For businesses offering net terms to customers, Resolve Pay provides a complete solution by combining credit decisioning, financing, and AR workflow automation in a single platform.

Resolve Pay

Resolve Pay's Approach to B2B Net Terms and AR Automation

Resolve Pay operates as a comprehensive B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms (Net 30/60/90) while receiving immediate cash within 1-2 business days. The platform combines non-recourse financing with AI-powered accounts receivable automation.

Core Platform Capabilities

• Net Terms Financing: Sellers offer deferred payment terms to approved buyers while Resolve Pay advances up to 90-100% of invoice value. The non-recourse structure means Resolve Pay assumes default risk on approved invoices.
• AI Credit Engine: Proprietary technology evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals for real-time credit decisions. Approvals come in under 24 hours, with instant decisions for qualifying transactions.
• AR Automation Platform: Automated invoice generation synced from ERP systems, smart payment reconciliation using ML to match payments, and real-time dashboards showing DSO and portfolio health.
• Agentic Collections: Multi-channel automated sequences using email, SMS, and voice AI with intelligent escalation based on buyer response patterns. The system pauses automatically when payment or disputes are received.
• White-Label Payment Portal: Branded buyer dashboard showing invoices, credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check.

Customer Outcomes

Resolve Pay's 15,000+ active businesses have achieved measurable results:

• SS&SI Dealer Network: 5x revenue growth
• Archipelago Lighting: Tripled revenue, reduced net terms approval from 10 days to 24 hours
• Trenchless Supply: Reduced AR workload by 90%, credit approvals under 24 hours
• Elston Materials: Increased margins from 25% to 30%
• ConEquip: 30% year-over-year growth

Integration Ecosystem

Resolve Pay supports a broad integration ecosystem:

• Ecommerce: Shopify and Shopify Plus, BigCommerce, WooCommerce, and Magento 2
• Accounting/ERP: QuickBooks Online, NetSuite, Xero, Sage Intacct, and partner-supported Odoo
• Custom integrations: API and developer integration options for additional workflows

The platform earned a 5.0/5.0 rating on G2 with 17 reviews, reflecting strong customer satisfaction with ease of use and implementation speed.

FundThrough

FundThrough's Invoice Factoring Approach

FundThrough positions itself as a spot factoring solution offering invoice funding without long-term contracts. The platform received recognition as Forbes "Best Overall Factoring" for 2024 and maintains a 4.6/5 Google rating from 185 reviews.

Platform Characteristics

• Funding model: Spot factoring allowing businesses to select individual invoices for funding
• Advance rates: Provides funding on factored invoices
• Funding speed: Next business day after initial approval
• Funding structure: Invoice factoring with terms determined by the applicable funding arrangement
• Integrations: QuickBooks, Xero, OpenInvoice

Operational Considerations

FundThrough focuses on invoice factoring that lets businesses select eligible invoices for funding. Its model includes invoice verification, assignment of funded invoices, customer payment to FundThrough, and optional accounting integrations.

FundThrough requires customer notification about the factoring arrangement through a Notice of Assignment. Buyers receive communications from FundThrough regarding payment. The platform focuses primarily on the funding transaction itself, with integrations limited to accounting systems.

FundThrough's G2 rating sits at 2.7/5 with 3 reviews on their Express product, though Google reviews show stronger satisfaction at 4.6/5 from 185 reviews.

Settle

Settle's Focus on Procurement and Accounts Payable

Settle primarily focuses on procurement, accounts payable, and working capital for consumer brands while also offering accounts receivable and order-to-cash tools. The platform serves consumer packaged goods brands needing procurement management and working capital for inventory purchases.

Platform Purpose

Resolve Pay and Settle approach cash flow from different starting points. Resolve Pay centers on seller-side net terms, buyer credit management, eligible invoice advances, and AR automation. Settle centers on procurement, AP, and working capital while also providing AR and order-to-cash tools.

Core Capabilities

• AP automation: Purchase order management, approval workflows, and vendor payment scheduling
• Inventory financing: Working capital for inventory purchases
• Landed cost tracking: Automated calculation of true product costs including freight, duties, and packaging
• Warehouse integrations: Connections to 70+ WMS platforms including ShipBob, Stord, and ShipMonk
• Marketplace support: Amazon, Walmart, and TikTok sales channel connections

Target Market

Settle specifically serves CPG brands with inventory-intensive operations. Their customer base reports significant revenue growth and time savings on procurement tasks.

Resolve Pay's Focus on Net Terms and AR

Settle now includes AR invoicing, incoming payment, tracking, and order-to-cash capabilities. Resolve Pay is specifically built around extending B2B net terms while combining buyer credit decisioning, eligible non-recourse invoice advances, invoicing, reconciliation, and collections in one receivables workflow.

Improving Cash Flow and DSO Management

The distinction between invoice financing and factoring carries important operational implications. The SBA explains invoice financing as financing against unpaid invoices while noting that, unlike factoring, customers can continue paying the business directly.

Understanding Days Sales Outstanding

DSO measures the average time to collect payment after a sale. For B2B companies offering net terms, DSO often exceeds 45-60 days, tying up working capital needed for growth.

Resolve Pay directly addresses DSO by advancing 90-100% of invoice value within 1-2 business days. Sellers receive cash immediately while buyers pay according to their net terms schedule. The automated collections capabilities further reduce DSO by ensuring consistent follow-up on outstanding invoices.

FundThrough accelerates cash flow by purchasing eligible invoices, with customers directing payment to FundThrough under the factoring arrangement.

Settle now includes AR and order-to-cash tools for invoicing, receiving payments, and tracking receivables. Resolve Pay more directly addresses seller cash-flow timing by combining eligible invoice advances with net terms and AR automation.

Strategic Use for Growth

Companies using Resolve Pay report using freed-up cash flow to:

• Expand inventory to meet demand without capital constraints
• Offer more competitive net terms to win larger customers
• Invest in marketing and sales without waiting for invoice collection
• Hire additional staff to support growth initiatives

The combination of immediate funding and AR automation creates compounding benefits: faster cash plus reduced overhead from manual processes.

Why Resolve Pay Fits B2B Receivables Workflows

For B2B sellers focused on extending customer payment terms while managing receivables, Resolve Pay combines buyer credit decisioning, eligible non-recourse invoice advances, AR automation, payment workflows, and collections in one platform.

Resolve Pay is built for B2B sellers that want to offer customer payment terms while improving cash-flow predictability and reducing receivables administration. Key capabilities include:

• Non-recourse advances on eligible approved invoices
• AI-powered buyer credit decisioning
• Automated invoicing and payment reconciliation
• Branded buyer payment experiences
• Embedded net terms for ecommerce workflows
• Agentic collections across email, SMS, and voice AI
• Integrations with major ecommerce, accounting, and ERP systems

For manufacturers, distributors, wholesalers, and other eligible B2B sellers, this integrated approach brings credit, funding, payments, reconciliation, and collections into a single receivables workflow. The white-label experience preserves seller branding throughout the customer journey, while non-recourse protection on approved invoices reduces seller exposure to covered buyer default risk.

Frequently Asked Questions

How Does Non-Recourse Factoring Protect My Business?

Non-recourse financing means the financing provider assumes the credit risk on approved invoices. If an approved buyer fails to pay, Resolve Pay absorbs the loss while the seller keeps their advance. This protection eliminates bad debt exposure on approved transactions, providing financial predictability. Risk allocation in other factoring structures depends on the specific agreement between the business and factoring provider.

What Is the Typical Timeframe for Receiving Funds?

Resolve Pay advances funds within 1-2 business days on approved invoices. FundThrough provides next business day funding after the initial approval process. Traditional bank financing typically takes 2-8 weeks. The speed advantage of invoice-based solutions makes them attractive for businesses needing immediate working capital without lengthy application processes.

Can Invoice-Based Financing Help Improve Business Creditworthiness?

Invoice-based financing itself does not directly build business credit scores. However, improved cash flow from faster invoice collection enables businesses to pay their own suppliers promptly, which can positively affect vendor relationships and trade credit profiles. Resolve Pay's business credit check capabilities also help sellers make informed decisions about extending terms to customers.

Are There Industry-Specific Net Terms Solutions Available?

Resolve Pay specifically targets mid-market B2B sellers in manufacturing, wholesale distribution, and supply industries including HVAC parts, electrical supplies, plumbing, industrial equipment, and construction materials. The platform's net terms solutions are tailored for these verticals. FundThrough serves a broader range of industries through general invoice factoring. Settle focuses on consumer brands with procurement and working capital needs.

What Kind of Automation Does Resolve Pay Offer for AR Management?

Resolve Pay provides comprehensive AR automation including AI-powered credit decisioning, automated invoicing, payment reconciliation, multi-channel collections through email, SMS, and voice AI, and receivables dashboards. Trenchless Supply specifically reported a 90% reduction in AR workload after implementing Resolve Pay, illustrating how automation can reduce manual receivables work for individual customers.

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.