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.
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:
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:
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.
Resolve Pay serves mid-market B2B sellers needing to offer competitive payment terms while maintaining healthy cash flow. The platform works particularly well for:
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:
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 serves businesses primarily focused on AR operational efficiency rather than financing needs. The platform works well for companies with:
The platform uses a subscription-based software model, with pricing varying by plan and business requirements.
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:
The platform earns a 4.6/5 Trustpilot rating, with customers frequently praising fast funding speed, helpful staff, and straightforward application processes.
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.
Resolve Pay and OnDeck represent fundamentally different financing philosophies for B2B businesses.
Resolve Pay's invoice-based model:
OnDeck's debt-based model:
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.
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:
Invoiced's AR automation operates as standalone software:
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.
Resolve Pay integrations:
Invoiced integrations:
OnDeck integrations:
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.
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:
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.
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.
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.
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.
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.
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.