Oct 01, 2026
Selecting the right B2B payment solution can determine whether your business thrives with healthy cash flow or struggles with tied-up capital and manual AR processes. While FundThrough focuses on post-invoice factoring and Two provides embedded B2B financing across multiple international markets, Resolve Pay delivers comprehensive net terms financing combined with AR automation designed for manufacturers, distributors, and other B2B sellers. Understanding the fundamental differences between invoice factoring platforms, embedded B2B credit, and integrated net terms solutions helps B2B suppliers select the approach that matches their cash flow requirements, operational capacity, and growth objectives.
Key Takeaways
- Resolve Pay combines non-recourse financing with invoicing, collections, reminders, reconciliation, and broader AR automation, while FundThrough centers on factoring funded receivables and Two combines embedded credit with payment and collections workflows tied to its financing products
- Resolve Pay serves 15,000+ businesses and supports integrations with NetSuite, QuickBooks Online, Xero, Sage Intacct, Shopify, BigCommerce, WooCommerce, Magento, and custom systems through API-based connections
- FundThrough's factoring terms can require chargeback or repayment when a funded invoice becomes significantly overdue, and customers generally sign a Notice of Assignment; Resolve Pay uses non-recourse financing on approved advances together with a branded buyer experience
- Two operates across the U.S., UK, Nordic countries, and other European markets with embedded B2B credit, net terms, installment products, and payment capabilities
- Resolve Pay's AI-powered credit engine delivers decisions in as little as 24 hours compared to longer setup processes for initial FundThrough onboarding, enabling faster sales cycles
- Customers report AR workload reductions of up to 90% with Resolve Pay through automated invoice generation, payment reminders, and reconciliation
Understanding the B2B Payments Landscape: Factoring vs Net Terms vs Embedded Credit
The B2B payments market encompasses three distinct categories, each serving different operational models and business objectives. According to FDIC research on small business credit, over 40% of small businesses use some form of trade credit or accounts receivable financing. Understanding these fundamental differences helps finance leaders and AR teams select tools aligned with their growth stage and execution capacity.
Invoice factoring platforms like FundThrough serve as post-invoice funding mechanisms. After you have already invoiced a customer and are waiting for payment, factoring companies purchase those receivables at a discount, providing immediate cash. The value proposition centers on converting outstanding invoices into working capital. Factoring agreements can allocate nonpayment risk differently. Under FundThrough's current process, a significantly overdue funded invoice may be charged back and handled through a repayment plan. Factoring commonly involves a Notice of Assignment directing the customer to make payment to the factoring company.
Embedded B2B credit and financing solutions like Two represent an evolution toward integrated buyer financing experiences. These platforms provide embedded credit, net terms, and installment capabilities, often integrating into online checkout flows or sales channels with real-time credit decisions that let buyers pay on terms while sellers receive payment. Two operates across the U.S., UK, Nordic countries, and other European markets, with its products centered on embedded B2B credit and payment experiences.
Integrated net terms platforms like Resolve Pay represent a comprehensive approach that combines financing with complete AR workflow automation. Rather than simply funding invoices after the fact or providing embedded credit decisions, Resolve Pay's accounts receivable platform handles the entire lifecycle from business credit checks through invoicing, payment reminders, collections, and reconciliation. Resolve Pay's non-recourse cash advances protect sellers from repayment liability on approved advances if an approved buyer later fails to pay, subject to the applicable program terms.
The fundamental distinction lies in operational philosophy: factoring converts existing receivables to cash, embedded credit facilitates financing tied to individual transactions, and integrated net terms platforms transform how B2B companies manage their entire order-to-cash cycle.
Resolve Pay
Resolve Pay's Approach to B2B Net Terms and AR Automation
Resolve Pay operates as an integrated B2B payments platform focused on enabling manufacturers, distributors, and wholesalers to offer competitive net payment terms while maintaining healthy cash flow. Rather than simply funding invoices after the fact, Resolve Pay's net terms solution combines credit decisioning, financing, and complete AR automation in a single platform.
Resolve Pay can advance funds on approved invoices, with the advance structure determined by the applicable program and buyer risk profile. Current Resolve Pay product materials describe upfront funding within approximately a business day for qualifying transactions. This structure lets sellers offer Net 30, 60, or 90 terms to qualified buyers without cash flow strain. Resolve Pay's non-recourse cash advances protect sellers from repayment liability on approved advances if an approved buyer later fails to pay, subject to the applicable program terms.
The AI-powered credit engine distinguishes Resolve Pay's approach to buyer evaluation. The system analyzes thousands of data points including cash flow trends, payment history, and behavioral signals to deliver credit decisions within 24 hours, with instant approvals available for some purchases. This speed contrasts sharply with manual credit processes that typically require days or weeks of trade reference calls and spreadsheet tracking.
AR automation capabilities extend beyond financing to encompass the complete receivables workflow:
- Automated invoice generation synced from ERP and accounting systems
- Smart payment reconciliation using machine learning to match payments to invoices
- Real-time AR dashboard showing DSO, aging, and portfolio health
- Two-way sync with QuickBooks, Xero, Sage Intacct, and NetSuite
The agentic collections system uses multi-channel automated sequences across email, SMS, and voice AI with intelligent escalation based on buyer response patterns. This automated approach preserves customer relationships while reducing DSO through persistent, professional follow-up.
White-Label Buyer Experience
A critical differentiator for Resolve Pay involves maintaining the seller's brand throughout the buyer journey. The white-label payment portal displays seller branding, accepts ACH, wire, credit card, and check payments, and provides buyers with self-serve access to invoices, credit lines, and payment history. Buyers use a branded Resolve Pay payment experience rather than a traditional factoring Notice of Assignment process.
Integration Ecosystem
Resolve Pay provides native integrations with major ecommerce platforms including Shopify, BigCommerce, Magento, and WooCommerce, enabling embedded net terms at checkout. ERP and accounting integrations include NetSuite, QuickBooks Online, Xero, and Sage Intacct, with automated syncing available across supported workflows. A REST API with webhooks and sandbox environment supports custom integrations for unique tech stacks.
Compliance and Security
SOC 2 Type II certification demonstrates Resolve Pay's commitment to data security and operational integrity, enabling deployments at enterprises in regulated industries. The platform's Affirm heritage brings consumer BNPL expertise adapted for B2B complexity.
Resolve Pay's Target Market
Resolve Pay serves mid-market B2B sellers, typically with $1M+ annual revenue, in manufacturing, wholesale distribution, and supply industries. The platform works particularly well for:
- Companies needing to offer competitive net terms without cash flow strain
- Businesses wanting to reduce credit-risk exposure through non-recourse financing
- Teams seeking to reduce AR workload through automation
- Sellers requiring deep ERP and ecommerce integrations
- Organizations prioritizing branded buyer experiences
FundThrough
FundThrough's Role in Invoice Factoring
FundThrough positions itself as an invoice factoring platform that converts outstanding receivables into immediate working capital. The company has funded over $1 billion in invoices for businesses across the US and Canada, focusing on post-invoice funding rather than comprehensive AR management.
The platform's core value proposition centers on speed and advance rates. FundThrough can provide upfront funding on eligible factored invoices. After initial account setup, funding typically arrives the next business day. FundThrough uses a fee-based factoring model, with terms determined by the funded receivables and customer profile.
The selective factoring approach allows businesses to choose which invoices to fund without long-term contracts or ongoing minimums after the first invoice. This flexibility appeals to companies wanting occasional working capital boosts rather than systematic AR transformation.
FundThrough's Operating Model
FundThrough is structured around selective invoice factoring for businesses that want to accelerate cash from eligible receivables.
Chargeback provisions: FundThrough states that significantly overdue invoices may be charged back and repaid through a repayment plan if sufficient payment updates are not received. Resolve Pay's approved cash advances are structured as non-recourse.
Customer notification: FundThrough's process includes a Notice of Assignment that directs the customer to make payment to FundThrough on funded invoices.
Factoring-focused workflow: FundThrough's platform centers on funding eligible invoices and collecting payment on those funded receivables. Resolve Pay extends further into merchant AR workflows such as credit management, invoicing, reconciliation, reminders, and collections automation.
Initial funding requirements: FundThrough states that first fundings generally require a qualifying level of eligible receivables with a single customer. After the first funding, businesses can select eligible invoices to fund as needed.
Integrations: FundThrough supports accounting-platform connections such as QuickBooks, OpenInvoice, and other supported accounting systems for importing eligible invoices.
FundThrough's Factoring Approach
FundThrough focuses on accelerating cash from eligible outstanding invoices through selective factoring. Businesses submit qualifying receivables for funding, and FundThrough manages payment collection on those funded invoices. Resolve Pay takes a broader approach by combining financing with credit management, invoicing, reconciliation, collections automation, and buyer payment workflows.
Two
Two's Focus on Embedded B2B Credit and Payments
Two, formerly Two.inc, operates as a B2B payments and financing platform offering embedded credit, net terms, and installment products across the U.S., UK, Nordic countries, and other European markets. The company raised EUR 13 million in July 2025, bringing total funding to over $43 million USD, and maintains partnerships with institutional players including Santander, Allianz Trade, ABN Amro, and Visa.
The platform's primary strength lies in real-time credit decisioning at the point of purchase. When buyers reach checkout, Two provides instant approval decisions that enable immediate order completion with deferred payment. A March 2026 partnership with DNB introduced real-time AI credit assessment and same-day seller settlement.
Two supports multi-channel sales including online, telesales, field representatives, and in-store POS, with the ability to offer extended payment terms up to 36 months for qualifying transactions. Two emphasizes embedded credit and financing at the point of sale while also handling payment collection and collections for supported financing products.
Two's Operating Model
Two provides embedded B2B credit, net terms, installment, risk-management, and payment capabilities across supported markets.
International market coverage: Two operates across the U.S., UK, Nordic countries, and other European markets. Its current offerings support embedded B2B credit and payment experiences across multiple sales channels.
AR workflow focus: Two provides billing, payment collection, collections, and risk-management capabilities tied to its financing products. Resolve Pay places broader emphasis on merchant AR automation, including invoicing, reconciliation, receivables visibility, and collections workflows.
Embedded financing model: Two centers its platform on embedded B2B credit and financing while also managing collections and payment workflows for supported products. Resolve Pay combines financing with broader merchant AR automation.
Commercial terms: Two uses commercial terms that can vary by product, market, and merchant arrangement.
Two's Embedded Financing Approach
Two focuses on embedded B2B credit, net terms, installments, payment collection, and risk management across supported markets. Resolve Pay combines financing with broader AR automation for B2B sellers that want to manage more of the credit-to-cash lifecycle in one platform.
Financing Model and Risk Structure Comparison
When comparing financing approaches, Resolve Pay, FundThrough, and Two each operate with different structures:
Financing Type:
- Resolve Pay: Net terms financing with AR automation
- FundThrough: Invoice factoring and receivables funding
- Two: Embedded B2B credit, net terms, and installment financing
Risk Allocation:
- Resolve Pay: Non-recourse on approved advances
- FundThrough: Significantly overdue invoices may be charged back through repayment arrangement
- Two: Credit and fraud risk assumed on approved transactions
Advance Structure:
- Resolve Pay: Program- and risk-based advance on approved invoices
- FundThrough: Upfront funding on eligible factored invoices
- Two: Product- and risk-based settlement
Funding Speed:
- Resolve Pay: Within 1-2 business days
- FundThrough: Next business day after setup
- Two: Same-day settlement possible depending on configuration
Resolve Pay's non-recourse structure protects sellers from repayment liability on approved advances, subject to program terms. FundThrough states that significantly overdue invoices may be charged back through a repayment arrangement, while Resolve Pay uses non-recourse financing for approved advances. Both platforms can assume credit risk on approved transactions, while Resolve Pay combines its non-recourse financing with broader AR automation.
AR Automation and Workflow Capabilities
The three platforms differ significantly in their AR automation depth:
Automated Invoicing:
- Resolve Pay: Yes, integrated with AR workflows
- FundThrough: Factoring-related invoice processing
- Two: Product-specific billing workflows
Payment Reminders:
- Resolve Pay: Yes, automated workflows
- FundThrough: Collections-related customer contact
- Two: Payment and collections workflows
Collections Automation:
- Resolve Pay: Yes, including email, SMS, and voice AI
- FundThrough: Collections on funded invoices
- Two: Collections on supported financing products
Payment Reconciliation:
- Resolve Pay: Automated reconciliation
- FundThrough: Factoring payment processing
- Two: Product-specific payment workflows
AR Visibility:
- Resolve Pay: AR and credit dashboard
- FundThrough: Funding-focused account visibility
- Two: Financing and repayment dashboards
Resolve Pay's AR automation platform brings financing, invoicing, reconciliation, receivables visibility, and collections workflows into one platform. The agentic collections system handles multi-channel follow-up sequences with intelligent escalation, preserving customer relationships while reducing DSO.
Integration Ecosystem Comparison
Integration capabilities vary across the three platforms:
ERP and Accounting Integrations:
- Resolve Pay: NetSuite, QuickBooks Online, Xero, Sage Intacct
- FundThrough: Accounting-platform integrations including QuickBooks and OpenInvoice
- Two: Integration options vary by product and market
Ecommerce Platforms:
- Resolve Pay: Shopify, BigCommerce, WooCommerce, Magento
- FundThrough: Factoring platform rather than checkout-focused integration
- Two: Embedded checkout and no-code integration options
API Access:
- Resolve Pay: Flexible API and integration support
- FundThrough: Platform integrations available
- Two: API-first integration options
Workflow Focus:
- Resolve Pay: ERP, accounting, ecommerce, and AR workflows
- FundThrough: Invoice factoring workflows
- Two: Embedded credit and payment workflows
Resolve Pay supports ERP, accounting, and ecommerce integrations alongside flexible API connections, allowing credit, invoice, order, payment, and reconciliation data to move through supported workflows. FundThrough emphasizes accounting connections for factoring, while Two supports embedded checkout and API-based payment experiences.
Buyer Experience and Branding
How buyers interact with each platform differs significantly:
White-Label Branding:
- Resolve Pay: Yes, maintains seller brand throughout journey
- FundThrough: No, Notice of Assignment required
- Two: Yes, checkout-integrated with brand continuity
Buyer Portal:
- Resolve Pay: Self-serve with invoice access and payment history
- FundThrough: N/A (factor manages funded invoice collection)
- Two: Checkout-focused buyer experience
Payment Options:
- Resolve Pay: ACH, wire, card, check
- FundThrough: Payment directed to FundThrough per Notice of Assignment
- Two: Multiple payment options
Customer Notification:
- Resolve Pay: No, branded experience
- FundThrough: Yes, Notice of Assignment process
- Two: No, embedded experience
Resolve Pay's white-label payment portal preserves seller branding throughout the buyer journey. FundThrough's factoring process uses a Notice of Assignment so the customer knows where payment on the funded invoice should be sent. Two provides embedded experiences that maintain brand continuity at checkout.
Operational Impact
AR Efficiency and Cash Flow
Evaluating B2B payment solutions requires understanding their operational impact beyond transaction mechanics.
AR Staff Efficiency: Resolve Pay's automation capabilities can reduce AR workload by up to 90%, potentially eliminating 1-1.5 FTE in manual AR tasks. FundThrough handles collection activity associated with funded invoices, while Resolve Pay provides broader automation across the merchant's AR lifecycle. Two supports collections and payment workflows tied to its financing products, while Resolve Pay emphasizes broader AR lifecycle automation.
Credit-Risk Management: Resolve Pay's non-recourse cash advances reduce seller exposure to nonpayment on approved transactions and can make cash flow more predictable. FundThrough may charge back significantly overdue funded invoices, while Resolve Pay's approved cash advances are non-recourse. Two also assumes credit and fraud risk on approved transactions.
DSO Impact: Customers report 50-60% DSO reduction with Resolve Pay through automated collections and faster payment processing. Factoring models such as FundThrough accelerate cash from selected existing receivables, while Resolve Pay combines financing with tools designed to manage the broader receivables process.
Integration Coverage: Resolve Pay's native integrations eliminate need for middleware or custom development across major ecommerce and ERP platforms. FundThrough's accounting integrations support invoice funding workflows. Two's embedded approach supports checkout and API-based implementations.
Operational Considerations
When evaluating an AR and net terms platform, consider:
- Cash-flow timing for approved invoices
- Staff time savings from receivables automation
- Credit-risk management and the structure of non-recourse financing
- Buyer experience through branded payment workflows
- Integration coverage across accounting, ERP, and ecommerce systems
Migration Considerations
Switching from Factoring to Integrated Net Terms
Companies moving from FundThrough-style factoring to Resolve Pay typically experience:
- Easier migration since buyer relationships already exist
- Immediate improvement in buyer experience through branded payment portal
- Rapid AR workload reduction through automation
- A branded Resolve Pay buyer experience rather than a traditional factoring Notice of Assignment workflow
- Non-recourse financing on approved Resolve Pay advances
Switching from Embedded Credit to Comprehensive AR
Companies moving from Two-style embedded financing to Resolve Pay may need:
- Integration reconfiguration to leverage AR-first workflows
- ERP connection setup for two-way synchronization
- Workflow redesign to leverage full automation capabilities
- Staff training on comprehensive platform features
Why B2B Sellers Choose Resolve Pay for AR Transformation
Resolve Pay combines non-recourse financing with comprehensive AR automation for manufacturers, distributors, wholesalers, and other B2B sellers that want to manage the complete credit-to-cash lifecycle in one platform.
The platform's key advantages for B2B sellers include:
- Integrated net terms and AR workflows: Rather than selecting between factoring funded receivables or embedded checkout credit, Resolve Pay provides credit decisioning, financing, invoicing, reconciliation, and collections in a unified workflow
- Non-recourse protection: Approved cash advances protect sellers from repayment liability if an approved buyer later fails to pay, reducing credit-risk exposure compared to chargeback provisions in factoring arrangements
- Automated collections that preserve relationships: The agentic collections system uses email, SMS, and voice AI with intelligent escalation, reducing DSO while maintaining customer goodwill
- Branded buyer experiences: White-label payment portals maintain seller branding throughout the payment journey rather than requiring customer notifications of third-party involvement
Whether your business currently uses factoring for occasional cash acceleration or embedded credit for checkout financing, Resolve Pay's comprehensive AR platform offers a path to systematic receivables transformation with financing, automation, and risk management combined in one solution.
Frequently Asked Questions
How does Resolve Pay's non-recourse financing differ from FundThrough's factoring structure?
Resolve Pay provides non-recourse cash advances on approved transactions. FundThrough states that significantly overdue funded invoices may be charged back and handled through a repayment plan. The structures therefore allocate nonpayment risk differently. Resolve Pay protects sellers from repayment liability on approved advances, subject to program terms, while FundThrough may require repayment for significantly overdue funded invoices.
Can Resolve Pay integrate with my existing ERP and ecommerce platforms?
Yes, Resolve Pay provides native integrations with NetSuite, QuickBooks, Xero, and Sage Intacct for accounting and ERP, plus Shopify, BigCommerce, WooCommerce, and Magento for ecommerce. Two-way synchronization ensures invoice and payment data flows automatically between systems. FundThrough connects to accounting platforms for factoring workflows, while Two supports embedded checkout and API-based implementations.
What is the minimum invoice size or volume required for each platform?
FundThrough states that first fundings generally require a qualifying level of eligible receivables with a single customer. Resolve Pay does not impose similar minimum requirements, making it accessible to businesses with diversified customer bases and varying invoice sizes. Two's requirements vary by product and implementation.
How quickly can I get funding through each platform?
Resolve Pay can provide upfront funding within approximately a business day for qualifying transactions on approved invoices. FundThrough provides next-business-day funding after initial account setup, which can take several days. Two can provide upfront settlement on approved transactions depending on the product and configuration.
How Does Resolve Pay Support B2B Distributors and Manufacturers?
Resolve Pay helps manufacturers, distributors, wholesalers, and other B2B sellers offer net terms while improving cash-flow timing and automating receivables workflows. The platform combines buyer credit decisioning, non-recourse financing on approved advances, invoicing, payment workflows, collections automation, reconciliation, and integrations with major ERP, accounting, and ecommerce systems.
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.
