Resolve Pay vs Invoiced vs FundThrough

Choosing between invoice financing, accounts receivable automation, and factoring platforms can determine your B2B cash flow trajectory. While Invoiced offers invoice-to-cash automation with embedded global payments but no seller financing, and FundThrough provides invoice factoring, Resolve Pay delivers non-recourse net terms financing combined with comprehensive AR automation in a single integrated platform. Understanding these fundamental differences helps mid-market manufacturers, distributors, and wholesalers select the approach that matches their cash flow goals, risk tolerance, and growth objectives.

The B2B payments technology market encompasses three distinct categories. Invoiced by Flywire focuses on invoice-to-cash workflows with AI-native automation and embedded global payments. FundThrough operates as an invoice factoring company that advances funds against eligible receivables. Resolve Pay takes a different approach, delivering non-recourse net terms financing combined with AI-powered credit decisioning, AR automation, and integrated B2B payments. This comparison reveals how each platform addresses the core challenges of extending credit, managing receivables, and maintaining healthy cash flow.

Key Takeaways

• Resolve Pay provides non-recourse financing on eligible approved advances, protecting sellers from covered buyer-credit default risk, while Invoiced focuses on invoice-to-cash automation without seller financing and FundThrough's factoring structure can retain seller repayment obligations in prolonged nonpayment scenarios
• Resolve Pay includes native e-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento for embedded checkout net terms, allowing eligible buyers to apply for payment terms during online purchases
• The broader B2B payments market was valued at $87.98 trillion in 2024 and is projected to reach $213.28 trillion by 2032, making platform choice increasingly critical for competitive positioning.
• Resolve Pay maintains a 5.0/5 G2 rating and serves 15,000+ businesses, with customers reporting significant results including Archipelago Lighting achieving 3x revenue growth and approval time reduction from 10 days to 24 hours
• Resolve Pay combines credit decisioning, net terms financing, AR automation, payments, and collections in one solution, eliminating the need for multiple vendors that would be required when using standalone AR software or factoring services
• Late payments and buyer defaults can create cash-flow and credit-risk pressure for B2B sellers, making non-recourse protection on eligible approved advances an important part of Resolve Pay's model for sustainable growth

Understanding the B2B Payments Landscape

The B2B payments technology market encompasses three distinct categories, each serving different operational models and risk profiles. Understanding these fundamental differences helps finance leaders select platforms aligned with their cash flow needs and risk tolerance.

AR automation platforms like Invoiced by Flywire focus on invoice-to-cash workflows. Invoiced combines invoicing, collections, cash application, reporting, forecasting, and embedded global payments. Its core offering does not provide seller-side net terms financing comparable to Resolve Pay, so businesses using Invoiced still manage invoice credit exposure separately. The value proposition centers on improving efficiency through better workflow automation.

Invoice factoring like FundThrough represents a financing approach where companies advance funds against eligible B2B receivables. These services typically advance a percentage of invoice value and collect payment from customers. The seller's repayment obligations depend on the factoring agreement structure. FundThrough notifies customers of the arrangement through a Notice of Assignment, redirecting invoice payments to FundThrough.

Non-recourse net terms platforms like Resolve Pay represent a different approach from both models. Rather than simply automating AR processes or providing factoring, Resolve Pay enables sellers to offer Net 30/60/90 terms to approved buyers while receiving advances up to 90% of invoice value within 1-2 business days. The platform provides non-recourse protection on eligible approved advances, so covered buyer-credit defaults do not create seller recourse under the applicable program terms. This non-recourse model, combined with integrated AR automation, helps protect sellers from both cash flow strain and covered buyer-credit default risk.

The fundamental distinction lies in how credit risk is handled: AR software does not itself transfer invoice credit risk, FundThrough's factoring terms can retain seller repayment obligations in prolonged nonpayment scenarios, and Resolve Pay provides non-recourse protection on eligible approved advances, subject to program terms.

Resolve Pay

A Comprehensive Approach to B2B Net Terms and AR Automation

Resolve Pay operates as a B2B payments platform specifically designed for manufacturers, distributors, and wholesalers who need to offer competitive net terms without sacrificing cash flow or taking on credit risk. The platform was founded as a spinout from Affirm and is backed by funding from investors including Initialized Capital and Commerce Ventures.

The core value proposition centers on non-recourse financing. When sellers offer Net 30, 60, or 90 day terms through Resolve Pay, they receive advances up to 90% of invoice value within 1-2 business days. The remaining balance is released when the buyer pays. Resolve Pay provides non-recourse protection on eligible approved advances, so covered buyer-credit defaults do not create seller recourse under the applicable program terms. This helps protect sellers from covered buyer-credit default risk on eligible approved advances, subject to program terms.

Key Platform Capabilities

Resolve Pay includes several integrated capabilities:

• AI Credit Engine: Proprietary models evaluate buyer creditworthiness with real-time decisions ranging from 30 seconds to 48 hours, replacing manual trade reference calls and spreadsheet tracking
• AR Automation Platform: Automated invoice generation, payment reconciliation using machine learning to match and sync invoice and payment data, and real-time AR dashboards showing DSO, aging, and portfolio health
• Agentic Collections: Multi-channel automated sequences including email, SMS, and voice AI with intelligent escalation based on buyer response patterns
• White-Label Payment Portal: Branded buyer dashboard accepting ACH, wire transfer, credit card, and check payments while maintaining seller branding throughout the experience

E-commerce capabilities distinguish Resolve Pay from both Invoiced and FundThrough. Native integrations with Shopify, BigCommerce, WooCommerce, and Magento enable embedded checkout net terms, allowing B2B buyers to receive instant credit decisions and select payment terms during online purchases.

Customer Results

Customer results demonstrate the platform's impact:

• Archipelago Lighting tripled revenue and reduced net terms approval time from 10 days to 24 hours while offering 20x higher credit lines
• ConEquip achieved 30% year-over-year growth
• Elston Materials improved margins from 25% to 30%

The platform maintains a 5.0/5 G2 rating and serves 15,000+ businesses.

How Resolve Pay Differs From Competitors

Resolve Pay combines credit decisioning, net terms financing, AR automation, payments, and collections into one platform. This integrated approach eliminates the need for multiple vendors when compared to using standalone AR automation software or factoring services separately. The platform provides non-recourse protection on eligible approved advances, AI-powered instant credit decisions, and native e-commerce checkout integrations that neither Invoiced nor FundThrough offer.

Invoiced

Invoice-to-Cash Automation and Global Payments

Invoiced by Flywire positions itself as an AI-native accounts receivable platform focused on invoice-to-cash workflows. The platform combines invoicing, collections, cash application, reporting, forecasting, and embedded global payments to help finance teams manage their AR processes.

Invoiced's approach centers on workflow automation and payment acceptance rather than seller-side financing. The platform provides tools for invoice generation, payment reminders, automated collections sequences, and reporting dashboards. Companies using Invoiced manage their own credit risk and cash flow timing, as the platform does not provide net terms financing comparable to Resolve Pay.

Core Features

Key characteristics of Invoiced's approach include:

• Invoice-to-cash model: AI-native AR automation combined with embedded global payments, without seller-side net terms financing
• Payment cycle improvements: Automated reminders and collections sequences help accelerate customer payments
• Multi-payment acceptance: Support for various payment methods including credit cards, ACH, and international payments
• ERP integrations: Native connections to accounting systems for invoice synchronization
• Integration Studio: Connects Invoiced with a broad range of business applications

How Invoiced Differs From Resolve Pay

Invoiced by Flywire focuses on invoice-to-cash automation and embedded global payments. Its core offering does not provide seller-side net terms financing, buyer credit decisioning, or non-recourse advances. Businesses using Invoiced still need to manage their own credit exposure and cash flow timing when extending payment terms to customers. Integration Studio connects Invoiced with a broad range of business applications, while its core offering remains invoice-to-cash automation rather than seller-side checkout net terms financing.

FundThrough

Invoice Factoring for B2B Receivables

FundThrough operates as an invoice factoring company focused on advancing funds against eligible B2B receivables. The platform evaluates eligible invoices and customer credit as part of its factoring approval process.

FundThrough's model provides liquidity by purchasing eligible invoices, allowing businesses to access cash before customer payment terms expire. The platform uses a Notice of Assignment to redirect invoice payments, so buyers are informed of the factoring arrangement.

Operating Structure

Key features of FundThrough include:

• Funding structure: FundThrough evaluates eligible invoices and customer credit as part of its factoring approval process
• Spot factoring flexibility: Fund select invoices without long-term contracts after initial funding
• Customer notification: FundThrough uses a Notice of Assignment so the buyer redirects invoice payments to FundThrough
• Accounting integrations: Connections to QuickBooks, Xero, Sage, and NetSuite

How FundThrough Differs From Resolve Pay

FundThrough focuses on invoice factoring against eligible B2B receivables. If an invoice remains unpaid for an extended period, the balance may be reduced through customer payments, a holdback from future advances, or direct debit. FundThrough is directly involved in payment collection after the buyer receives a Notice of Assignment. Resolve Pay is structured around B2B net terms, buyer credit decisioning, AR automation, payments, and non-recourse advances on eligible approved invoices, maintaining white-label seller branding throughout the buyer experience.

AR Automation Capabilities

All three platforms offer accounts receivable functionality, but the scope and integration differ significantly based on each platform's core focus.

Resolve Pay AR Automation

• AI-powered invoice generation synced from ERP/accounting systems
• Smart payment reconciliation using machine learning to match and sync invoice and payment data
• Real-time AR dashboards showing DSO, aging, and portfolio health
• Agentic collections with multi-channel sequences (email, SMS, voice AI)
• Automated bookkeeping sync to QuickBooks, Xero, Sage Intacct, and NetSuite
• Customers report up to 90% reduction in manual AR work
• Payment cycles 50-60% faster than traditional methods

Invoiced AR Capabilities

• Invoice generation and delivery
• Automated payment reminders and collections sequences
• AI-native cash application and reconciliation
• Payment acceptance across multiple methods including international payments
• Reporting and forecasting dashboards
• ERP integrations for invoice synchronization
• Integration Studio connections to 1,000+ applications

FundThrough AR Functionality

• Invoice tracking and status visibility
• Collections managed through the factoring process
• Accounting software integrations (QuickBooks, Xero, Sage, NetSuite)
• Direct invoice pull from accounting systems for factoring submissions

The key distinction: Resolve Pay integrates AR automation directly with non-recourse financing and buyer credit decisioning, creating a unified workflow. Invoiced offers comprehensive invoice-to-cash automation with embedded global payments but does not provide seller-side net terms financing. FundThrough provides basic tracking focused on the factoring process rather than comprehensive AR workflow automation.

Integration Ecosystem

Integration capabilities determine how smoothly platforms fit into existing tech stacks and business processes.

Resolve Pay Integrations

E-commerce platforms (unique in this comparison):

• Shopify
• BigCommerce
• WooCommerce
• Magento 2

Accounting/ERP systems:

• QuickBooks Online
• Xero
• Sage Intacct
• Oracle NetSuite

Additional capabilities:

• REST API with webhooks and sandbox for custom integrations
• Two-way sync for invoice/payment data

Invoiced Integrations

• Native ERP and accounting system connections
• Integration Studio connections to 1,000+ applications
• Payment gateway integrations for multi-currency support
• API available for custom implementations

FundThrough Integrations

Accounting software:

• QuickBooks Online
• QuickBooks Desktop
• Xero
• Sage
• NetSuite

The integration approach reflects each platform's focus. Resolve Pay supports native checkout net terms for Shopify, BigCommerce, WooCommerce, and Magento, allowing eligible B2B buyers to apply for payment terms within supported ecommerce checkout flows. Invoiced provides broad application connectivity through Integration Studio for invoice-to-cash workflows. FundThrough connects accounting systems to streamline the factoring submission process.

Credit Decisioning and Collections

How platforms handle credit assessment and overdue invoices impacts sales velocity and customer experience.

Resolve Pay Approach

Credit Engine:

• Proprietary AI evaluates thousands of buyer data points
• Decision times ranging from 30 seconds to 48 hours
• Dynamic credit lines that adjust based on payment history
• Quiet credit checks with no impact to buyer credit scores
• Archipelago Lighting reduced approval time from 10 days to 24 hours

Collections:

• Agentic collections with AI and human hybrid approach
• Multi-channel automated sequences: email, SMS, voice AI outbound calls
• Intelligent escalation based on buyer response and payment history
• Preserves customer relationships with professional tone and white-label branding
• Pauses automatically when payment or dispute received

Invoiced Approach

Credit Capabilities:

• Businesses conduct their own credit evaluation
• No integrated buyer underwriting or credit decisioning
• Merchants manage credit risk independently

Collections:

• Automated reminder sequences
• Email-based dunning workflows
• Collections activity tracking and reporting
• Merchant manages escalation and external collections

FundThrough Approach

Credit Assessment:

• Evaluates customer credit for factoring eligibility
• Approval timeline depends on invoice and customer review
• Focus on transaction quality

Collections:

• Collections managed through the factoring process
• Direct contact with customers after Notice of Assignment
• If an invoice remains unpaid for an extended period, the balance may be reduced through customer payments, a holdback from future advances, or direct debit

Implementation Considerations

Implementation depends on the systems and workflows being connected.

Resolve Pay

• Supported ecommerce integrations use low-code or no-code options
• Ecommerce implementation generally takes minutes to a few hours depending on the existing setup
• Custom integrations can use the REST API, checkout SDK, and sandbox environment

Invoiced

• Native ERP integrations and Integration Studio support connected invoice-to-cash workflows
• Most Integration Studio connections use guided authentication and can be configured in minutes

FundThrough

• Supported accounting software can be connected to import eligible invoices
• Funding timing depends on approval, invoice eligibility, and customer setup

Because the platforms support different workflows, implementation timelines vary based on the specific systems being integrated and the scope of the deployment.

Why Resolve Pay Fits B2B Sellers

Resolve Pay is designed for manufacturers, distributors, wholesalers, and other B2B sellers that want to manage net terms and receivables through one platform. The integrated approach combines capabilities that would otherwise require multiple vendors.

Key capabilities include:

• Non-recourse protection on eligible approved advances, helping protect sellers from covered buyer-credit default risk
• Embedded net terms for supported ecommerce checkout flows, enabling instant buyer credit decisions during online purchases
• AI-powered credit decisioning that evaluates thousands of buyer data points in seconds to hours
• AR automation and payment reconciliation using machine learning to streamline invoice-to-cash workflows
• Agentic collections across email, SMS, and voice AI with intelligent escalation
• Branded buyer payment experiences that maintain seller relationships through white-label portals
• ERP, accounting, ecommerce, API, and webhook integration options for flexible deployment

Resolve Pay serves businesses that need to offer competitive net terms without cash flow strain or taking on credit risk. The platform maintains a 5.0/5 G2 rating and serves 15,000+ businesses across manufacturing, distribution, wholesale, and ecommerce sectors. Customer results demonstrate the platform's impact, with Archipelago Lighting tripling revenue while reducing approval times from 10 days to 24 hours, and Elston Materials improving margins from 25% to 30%.

Frequently Asked Questions

How does Resolve Pay's non-recourse model differ from FundThrough's factoring structure?

Resolve Pay provides non-recourse protection on eligible approved advances, so covered buyer-credit defaults do not create seller recourse under the applicable program terms. FundThrough's factoring structure can retain seller repayment obligations when qualifying invoices remain unpaid for extended periods. This fundamental difference determines who retains covered buyer-credit default risk.

Can Resolve Pay integrate with my e-commerce platform?

Yes, Resolve Pay offers native integrations with Shopify, BigCommerce, WooCommerce, and Magento for embedded checkout net terms. These integrations allow eligible B2B buyers to receive instant credit decisions and select payment terms during online purchases. Neither Invoiced nor FundThrough provides comparable embedded checkout net terms financing.

What accounting systems does each platform support?

Resolve Pay integrates with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite with two-way sync. FundThrough connects to QuickBooks (Online and Desktop), Xero, Sage, and NetSuite. Invoiced offers native ERP connections plus Integration Studio access to 1,000+ applications.

How quickly can I get funding for my invoices?

Resolve Pay advances up to 90% of invoice value within 1-2 business days on eligible approved invoices, with credit decisions as fast as 30 seconds. FundThrough's funding timeline depends on factoring approval and invoice eligibility. Invoiced does not provide seller-side financing.

How does Resolve Pay handle collections compared to traditional factoring?

Resolve Pay uses agentic collections with AI and human hybrid approaches across email, SMS, and voice channels, maintaining white-label seller branding throughout. FundThrough manages collections through the factoring process and sends a Notice of Assignment to redirect customer payments. Resolve Pay's approach preserves customer relationships while automating follow-up.

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.