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.
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 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.
Resolve Pay includes several integrated capabilities:
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 demonstrate the platform's impact:
The platform maintains a 5.0/5 G2 rating and serves 15,000+ businesses.
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 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.
Key characteristics of Invoiced's approach include:
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 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.
Key features of FundThrough include:
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.
All three platforms offer accounts receivable functionality, but the scope and integration differ significantly based on each platform's core focus.
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 capabilities determine how smoothly platforms fit into existing tech stacks and business processes.
E-commerce platforms (unique in this comparison):
Accounting/ERP systems:
Additional capabilities:
Accounting software:
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.
How platforms handle credit assessment and overdue invoices impacts sales velocity and customer experience.
Credit Engine:
Collections:
Credit Capabilities:
Collections:
Credit Assessment:
Collections:
Implementation depends on the systems and workflows being connected.
Because the platforms support different workflows, implementation timelines vary based on the specific systems being integrated and the scope of the deployment.
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:
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%.
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.
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.
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.
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.
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.