Resolve Pay vs Invoiced vs OnDeck

When B2B suppliers, manufacturers, and distributors evaluate payment and financing solutions, understanding the fundamental differences between platforms becomes critical for making the right choice. While Invoiced operates as an AR automation software and OnDeck functions as a business lending platform, Resolve Pay delivers non-recourse net terms financing combined with comprehensive accounts receivable automation.

This comparison examines how each platform approaches B2B payments, financing, and receivables management. Resolve Pay's integrated approach serves mid-market B2B sellers seeking both immediate cash flow improvements and reduced credit exposure, while Invoiced focuses on AR workflow automation and OnDeck provides general business lending. Understanding these distinct models helps revenue leaders select solutions aligned with their operational needs and growth strategies.

Key Takeaways

• Resolve Pay combines non-recourse net terms financing with AR workflow automation, helping sellers reduce credit exposure on approved invoices while getting paid faster
• These three platforms serve fundamentally different business models: Resolve Pay offers supplier-facing net terms financing, Invoiced provides AR automation software without embedded financing, and OnDeck delivers direct business lending unrelated to specific invoices
• Resolve Pay offers native B2B ecommerce checkout integrations with Shopify, BigCommerce, WooCommerce, and Magento, enabling embedded Net 30/60/90 terms directly at point of sale
• Resolve Pay's AI credit engine delivers buyer approvals in 30 seconds to 48 hours, compared to traditional manual credit checking processes
• Over 15,000 businesses actively use Resolve Pay, with the platform earning a 5.0/5 rating on G2 for customer satisfaction
• OnDeck operates as a business lending platform with a lending-based cost structure, while Resolve Pay provides invoice-based financing tied directly to receivables

Understanding the B2B Finance Landscape: Three Different Approaches

The B2B payment and financing market encompasses distinct platform categories, each serving different operational models. Revenue leaders must understand these fundamental differences to select solutions aligned with their specific business needs.

Invoice financing platforms like Resolve Pay enable suppliers to offer deferred payment terms to buyers while receiving immediate cash advances. The supplier gets paid upfront, reduces credit exposure on approved invoices, and the buyer pays on agreed Net 30, 60, or 90 terms. This model directly addresses the cash flow gap that occurs when offering trade credit.

AR automation software like Invoiced focuses on streamlining accounts receivable workflows through automated invoicing, collections, and payment reconciliation. These platforms help finance teams manage receivables more efficiently but do not provide embedded financing or credit risk transfer.

Business lending platforms like OnDeck provide general working capital through term loans and lines of credit. The funding is based on the borrower's business creditworthiness rather than specific invoices, and the capital can be used for any business purpose.

Key distinctions across these models:

• Financing approach: Invoice-based vs. software-only vs. general lending
• Credit risk handling: Non-recourse options vs. seller-retained vs. borrower obligation
• Cash flow timing: Advance against receivables vs. no advance vs. lump-sum capital
• Use case specificity: Trade credit financing vs. AR efficiency vs. general working capital

Resolve Pay

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

Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer Net 30/60/90 payment terms to business buyers while receiving immediate cash advances. Resolve Pay advances approved invoices based on underwriting and buyer risk. Current product materials highlight advances of up to 90% within 24 hours, while qualifying invoices may receive higher advance rates through Advance Pay.

What distinguishes Resolve Pay is its non-recourse financing model. When buyers are approved through Resolve Pay's credit process, eligible advances are non-recourse. Resolve Pay handles the credit assessment and credit decision and takes on the majority risk of late payments or defaults for approved transactions. This protection helps sellers reduce exposure to buyer nonpayment while maintaining predictable cash flow.

The platform's AI Credit Engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver real-time credit decisions. Approvals can occur in as little as 30 seconds for certain purchases, with most decisions completed under 24 hours. This replaces manual trade reference calls and spreadsheet tracking that typically consume significant AR staff time.

Resolve Pay's AR automation capabilities include:

• Automated invoice generation synced from ERP and accounting systems
• Smart payment reconciliation using ML to match invoice-to-cash automatically
• Real-time AR dashboard showing DSO, aging, and portfolio health
• Automated bookkeeping sync to QuickBooks, Xero, Sage Intacct, and NetSuite
• Multi-channel agentic collections with email, SMS, and voice AI sequences

The platform won the 2025 BigCommerce Innovative Integration Award, reflecting its ecommerce checkout integration capabilities. Native integrations with Shopify, BigCommerce, WooCommerce, and Magento enable B2B merchants to embed net terms directly at checkout without buyers leaving the storefront.

When Resolve Pay Fits Best

Resolve Pay serves mid-market B2B sellers needing to offer competitive payment terms while maintaining healthy cash flow. The platform works particularly well for:

• Manufacturers and distributors offering Net 30/60/90 terms who want to eliminate cash flow gaps
• B2B ecommerce merchants seeking embedded checkout financing
• Companies wanting to reduce credit exposure on approved invoices
• Businesses needing combined financing and AR automation in one platform
• Teams looking to reduce manual credit checking and collections work

Invoiced

Invoiced's Focus on AR Automation

Invoiced positions itself as an accounts receivable automation platform designed for mid-to-large B2B finance teams. The platform processes billions in annual transaction volume through its global payment infrastructure, supporting over 1,200 payment methods across 140+ currencies in 240+ countries.

The platform's core capabilities center on AR workflow automation rather than embedded financing:

• Smart Chasing AI for automated collections sequences
• CashMatch AI for intelligent payment reconciliation
• Invoice generation and delivery automation
• Multi-entity support for complex organizational structures
• Global payment acceptance with extensive currency coverage

Invoiced reports that customers achieve DSO reductions and time savings on manual AR tasks. The platform also notes fewer billing inquiries through improved invoice clarity and self-service capabilities.

For ERP connectivity, Invoiced offers native integrations with QuickBooks (Online and Desktop), NetSuite, Sage Intacct, Xero, Microsoft Dynamics 365, and Workday Finance. The platform's Integration Studio connects with 1,000+ applications for broader workflow automation.

Invoiced earns a 4.5/5 rating on G2 from 417 reviews and 4.7/5 on Capterra from 149 reviews. Users consistently praise ease of use and customer support quality.

Invoiced's Market Position

Invoiced serves businesses primarily focused on AR operational efficiency rather than financing needs. The platform works well for companies with:

• Significant international receivables requiring multi-currency support
• Complex multi-entity structures needing consolidated AR management
• Finance teams seeking to reduce manual invoice and collections work
• Organizations that do not need immediate cash advances on receivables

The platform uses a subscription-based software model, with pricing varying by plan and business requirements.

OnDeck

OnDeck's Business Lending Model

OnDeck operates as a business lending platform providing term loans and lines of credit for small business working capital needs. Owned by Enova International, the platform has built scale with 5,780+ Trustpilot reviews and maintains A+ BBB accreditation.

OnDeck's product offerings include:

• Term loans for general business working capital
• Lines of credit with 24/7 access for qualified borrowers
• Same-day funding capability for qualified borrowers
• Minimum credit score requirements apply

The platform earns a 4.6/5 Trustpilot rating, with customers frequently praising fast funding speed, helpful staff, and straightforward application processes.

OnDeck's Financing Structure

OnDeck's pricing model differs substantially from invoice-based financing. OnDeck uses a lending-based pricing structure that varies by borrower qualifications and financing product. While the platform provides fast capital access, its cost structure is designed for general working capital rather than receivables-specific financing.

The platform's BBB customer rating sits at 2.26/5 stars despite its A+ accreditation, with some reviews noting concerns about communication and transparency.

OnDeck works best for businesses needing general working capital not tied to specific invoices, such as equipment purchases, hiring, or expansion initiatives where speed is a priority.

Comparing Invoice Financing Approaches

Resolve Pay and OnDeck represent fundamentally different financing philosophies for B2B businesses.

Resolve Pay's invoice-based model:

• Financing tied directly to specific receivables
• Approval based on buyer creditworthiness, not seller's balance sheet
• Non-recourse financing reduces seller credit exposure on approved invoices
• Competitive pricing structure aligned with invoice-based financing
• Cash advances within 24 hours on approved invoices

OnDeck's debt-based model:

• General working capital for any business purpose
• Underwriting based on merchant's business health
• Traditional lending obligation structure
• Lending costs vary by borrower and product
• Same-day funding possible for qualified applicants

For B2B suppliers already extending net terms to customers, Resolve Pay's approach converts existing receivables into immediate cash without adding traditional debt obligations to the balance sheet. The non-recourse structure helps sellers reduce exposure to buyer nonpayment on approved invoices while improving cash-flow predictability.

AR Automation and Collections Capabilities

Both Resolve Pay and Invoiced offer AR automation, though with different integration points and use cases.

Resolve Pay's AR automation integrates directly with its financing platform:

• Invoice generation synced from ERP systems
• Automated payment reminders and follow-up sequences
• Agentic collections with AI-powered email, SMS, and voice outreach
• ML-powered payment matching and reconciliation
• Real-time DSO and aging dashboards

Invoiced's AR automation operates as standalone software:

• Smart Chasing AI for collections sequences
• CashMatch AI for payment reconciliation
• Multi-entity reporting and consolidation
• Global payment acceptance (140+ currencies)
• Integration Studio with 1,000+ app connections

The structural difference centers on financing integration. Resolve Pay's automation connects to actual invoice financing, meaning the platform handles not just reminders but also advances cash and manages credit decisions. Invoiced automates the process of managing payments without providing embedded financing.

OnDeck does not provide AR automation capabilities, as its business model focuses on lending rather than receivables management.

Integration Ecosystem Comparison

Resolve Pay integrations:

• Accounting/ERP: QuickBooks Online, NetSuite, Xero, Sage Intacct
• Ecommerce: Shopify, Shopify Plus, BigCommerce, WooCommerce, Magento 2
• Payment workflows: Branded payment experiences supporting ACH, card, wire, and check
• API: REST API with webhooks and sandbox for custom integrations

Invoiced integrations:

• Accounting/ERP: QuickBooks (Online/Desktop), NetSuite, Sage Intacct, Xero, Microsoft Dynamics 365, Workday Finance
• CRM: Salesforce
• API: Integration Studio connecting 1,000+ applications

OnDeck integrations:

• OnDeck is primarily positioned as a small-business lending platform rather than an AR or ecommerce integration platform

Resolve Pay's ecommerce integration depth stands out for B2B merchants. The ability to embed net terms directly in checkout enables buyers to select Net 30/60/90 terms without leaving the storefront, reducing friction and increasing conversion rates for qualifying orders.

Why Resolve Pay Fits B2B Sellers

Resolve Pay is designed for B2B suppliers, manufacturers, wholesalers, and distributors that want to extend net terms while improving cash-flow predictability and reducing receivables administration.

Resolve Pay brings several functions into one workflow:

• Net 30, 60, 90, and configurable payment terms
• Non-recourse advances on approved invoices
• AI-powered buyer credit decisions
• Accounts receivable automation
• Automated payment reminders and collections workflows
• Embedded ecommerce checkout options
• ERP and accounting integrations
• Branded buyer payment experiences

Invoiced remains focused primarily on invoice-to-cash and AR automation, while OnDeck operates as a small-business lending platform. Resolve Pay is differentiated by connecting net terms, credit underwriting, invoice advances, payments, and AR workflows within a platform built specifically for B2B commerce.

For mid-market B2B sellers extending trade credit to business buyers, Resolve Pay provides an integrated approach that addresses cash flow timing, credit exposure management, and operational efficiency simultaneously. The platform's non-recourse structure and embedded ecommerce capabilities make it particularly relevant for manufacturers, distributors, and B2B merchants seeking to modernize how they offer and manage payment terms.

Frequently Asked Questions

How does Resolve Pay help B2B sellers improve cash flow?

Resolve Pay can advance funds on approved invoices so sellers do not have to wait for the full buyer payment term before accessing working capital. Advance rates depend on underwriting and buyer risk, while eligible advances are structured on a non-recourse basis, helping sellers reduce exposure to buyer payment defaults.

Does Resolve Pay include accounts receivable automation?

Yes. Resolve Pay combines net terms and credit workflows with accounts receivable automation, including invoicing, payment reminders, reconciliation, collections workflows, payment processing, and AR visibility. The platform integrates with QuickBooks, NetSuite, Xero, and Sage Intacct for automated bookkeeping sync.

Can Resolve Pay integrate with my existing accounting software?

Yes, Resolve Pay offers native integrations with QuickBooks Online, NetSuite, Xero, and Sage Intacct. The platform provides two-way sync for invoice and payment data, automatic reconciliation, and real-time dashboard visibility. Implementation timing varies based on the systems involved, integration method, and workflow complexity.

How quickly does Resolve Pay provide credit decisions on new buyers?

Resolve Pay's AI Credit Engine delivers credit decisions in 30 seconds to 48 hours depending on the buyer and order size. The system evaluates thousands of data points including payment history, cash flow trends, and behavioral signals without requiring manual trade reference calls, enabling faster buyer approvals than traditional credit checking processes.

What types of businesses are best suited for Resolve Pay?

Resolve Pay primarily serves mid-market B2B sellers in manufacturing, wholesale distribution, and supply industries. Common customers include HVAC parts distributors, electrical and plumbing suppliers, industrial equipment manufacturers, medical device distributors, and construction materials companies. The platform works well for businesses with annual revenue of $1M+ that extend Net 30/60/90 terms to business buyers.

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.