B2B suppliers often face the same cash flow challenge: buyers want flexible payment terms, while sellers need predictable cash in the bank. A supplier may offer Net 30, Net 60, or Net 90 to win larger orders, but those terms can create a long gap between shipping goods and collecting payment. The pressure is real: the Federal Reserve’s Small Business Credit Survey tracks how financing and payment conditions affect small businesses, while the 2025 QuickBooks late payments report found that unpaid invoices continue to strain small business cash flow.
Resolve Pay, Kriya, and Fundbox all sit in the broader B2B financing conversation, but they are not interchangeable. Resolve Pay is built for B2B suppliers that want to offer net terms while improving cash flow, automating receivables, and reducing credit risk. Kriya focuses on embedded B2B payment terms and invoice finance, primarily in the UK and European markets. Fundbox provides business financing directly to small businesses, such as revolving access to working capital.
This comparison explains how each platform works, where the models differ, and why Resolve Pay is the strongest fit for US-based manufacturers, wholesalers, and distributors that want to extend buyer terms without building a credit department or adding manual AR work.
B2B payment terms have become a sales, finance, and operations issue at the same time. Buyers often expect the flexibility to pay later, while suppliers still need to fund inventory, payroll, shipping, and overhead before invoices are collected.
Several pressures are pushing suppliers to evaluate structured financing and payment platforms.
When a buyer pays on Net 30, Net 60, or Net 90, the supplier may have already delivered the order, paid vendors, and covered operating costs before cash arrives. Late or delayed payments can make that gap even harder to manage. The Federal Reserve has reported that customer payments are a primary source of small business cash, and many firms face payment-related challenges in their day-to-day operations through its payments report.
In many B2B categories, payment flexibility is part of the buying decision. Buyers want the ability to preserve working capital, place larger orders, and align payments with their own cash cycles. Suppliers that can offer net terms professionally may create a smoother buying experience without relying on manual credit reviews.
A business credit line can help a supplier access cash, but it does not automatically approve buyers, generate net terms invoices, manage collections, send reminders, or reconcile receivables back into accounting systems. Those tasks sit inside the credit-to-cash workflow. Resolve Pay is built around that workflow, combining B2B payments, net terms, credit decisioning, invoice advancement, and AR automation in one platform.
Resolve Pay, Kriya, and Fundbox address working capital from different angles. The right comparison starts with understanding the structure of each product.
Resolve Pay is a B2B net terms and payments platform for suppliers, including manufacturers, wholesalers, distributors, and B2B ecommerce merchants. Suppliers use Resolve Pay to offer payment terms to business buyers while improving cash flow and reducing manual accounts receivable work.
Resolve Pay supports buyer credit decisions, approved invoice advancement, payment reminders, collections workflows, and reconciliation. Its accounts receivable capabilities help suppliers manage credit, invoicing, and collections with less manual overhead.
Resolve Pay also integrates with ecommerce, ERP, and accounting systems, including platforms such as QuickBooks, NetSuite, Sage Intacct, Xero, Shopify, BigCommerce, WooCommerce, and Magento. Its integrations help suppliers connect checkout, invoicing, reconciliation, and payment workflows.
Kriya is a UK-headquartered B2B finance company that offers embedded payment terms, invoice finance, and working capital products. Its PayLater product is designed to place flexible B2B payment options into checkout and ordering flows.
Kriya has a long operating history in UK SME finance. Allica Bank announced that it completed the acquisition of Kriya on October 20, 2025, as part of a broader push to expand SME working capital finance in the UK through Allica Bank.
For US-based suppliers, the key distinction is market fit. Kriya’s primary focus is the UK and Europe, while Resolve Pay is positioned for B2B sellers that need net terms and AR automation in North America.
Fundbox is a US business financing provider that gives small businesses access to working capital. Fundbox offers financing directly to the business, which can then use the capital for operating needs such as inventory, payroll, or short-term cash flow gaps.
This structure is different from a buyer-facing net terms platform. Fundbox provides capital to the supplier, while Resolve Pay helps the supplier offer payment terms to buyers and manage the related credit-to-cash process.
|
Feature |
Resolve Pay |
Kriya |
Fundbox |
|---|---|---|---|
|
Product type |
B2B net terms, payments, and AR automation platform |
Embedded B2B payment terms, invoice finance, and working capital |
Business financing and working capital |
|
Primary market focus |
North American B2B suppliers |
UK and European businesses |
US small businesses |
|
Main user |
Manufacturers, wholesalers, distributors, and B2B ecommerce merchants |
UK and European B2B merchants |
SMBs seeking operating capital |
|
Buyer-facing net terms |
Yes |
Yes, primarily through embedded checkout and PayLater workflows |
No, direct financing to the business |
|
Credit decisioning |
Buyer credit decisions supported by Resolve Pay |
Merchant and buyer finance workflows supported by Kriya |
Supplier/business underwriting |
|
Supplier cash flow support |
Eligible approved invoices can be advanced |
Invoice finance and working capital options available |
Business draws funds directly |
|
Credit risk support |
Non-recourse advances on approved invoices |
Non-payment protection may apply to eligible PayLater transactions |
Borrower remains responsible for repayment |
|
AR automation |
Yes, including invoicing, reminders, collections, and reconciliation workflows |
Payment and collections workflows tied to its products |
Not an AR automation platform |
|
Integrations |
ERP, accounting, ecommerce, and API options |
API and platform integrations |
Accounting connection and app-based workflows |
|
Best fit |
B2B sellers that want to offer terms, get paid faster, and reduce AR workload |
UK and European merchants embedding B2B payment terms |
SMBs needing general-purpose working capital |
Resolve Pay is best suited for suppliers that want to make payment terms part of their growth strategy. Instead of treating net terms as a manual finance task, Resolve Pay turns credit, invoicing, payment collection, and reconciliation into a connected workflow.
With Resolve Pay, suppliers can:
This makes Resolve Pay a strong fit for B2B sellers that need to offer competitive buyer terms without creating a larger internal credit and collections operation.
Kriya is best suited for UK and European businesses that want embedded B2B payment terms, invoice finance, or working capital products within that regional market context. Its PayLater product places payment options into checkout and ordering workflows, while its invoice finance and working capital products support other SME financing needs.
Kriya may be relevant for merchants that:
For US-based B2B suppliers, Resolve Pay offers a more directly aligned model because it is built around seller-side net terms, AR automation, and North American B2B payment workflows.
Fundbox is best suited for small businesses that need access to general-purpose working capital. A business can draw funds and use them for operating needs, then repay according to the financing structure.
Fundbox may be relevant for businesses that:
For suppliers whose main goal is to offer buyers payment terms while keeping receivables organized, Resolve Pay is a better-aligned fit because it supports the entire net terms workflow from buyer approval through payment collection.
Resolve Pay is designed around the specific problem B2B suppliers face: buyers want time to pay, but sellers need cash flow certainty and operational control.
Offering payment terms manually can create a heavy workload for sales, finance, and operations teams. Someone has to review buyer credit, approve limits, issue invoices, track due dates, send reminders, manage collections, and reconcile payment data.
Resolve Pay brings these steps into a connected workflow. Its net terms management capabilities help suppliers manage buyer payment terms while reducing the burden on internal teams.
B2B payment terms are not only a finance function. They affect the buyer experience. A professional net terms workflow can make it easier for buyers to place larger orders, manage cash flow, and return for repeat purchases.
Resolve Pay supports a branded payment portal and flexible payment methods, helping sellers provide a smoother experience while keeping credit, collections, and reconciliation organized in the background.
Traditional receivables management can leave suppliers exposed when a buyer pays late or defaults. Resolve Pay’s non-recourse model for approved advances helps suppliers reduce that exposure. The supplier can offer terms with more confidence while Resolve Pay supports credit decisioning, payment follow-up, and collections.
Modern B2B sellers often sell across multiple channels: ecommerce checkout, sales reps, invoices, marketplaces, and offline ordering. Resolve Pay supports this complexity through ecommerce net terms and system integrations.
That matters for suppliers that want to avoid duplicate data entry, disconnected receivables records, and manual month-end reconciliation.
Resolve Pay is especially useful for B2B companies that sell to other businesses on invoice or account terms.
Manufacturers often serve buyers that expect payment terms on large or recurring orders. Resolve Pay helps manufacturers offer buyer flexibility while improving cash timing and reducing credit management workload.
Wholesalers frequently manage repeat buyers, large catalogs, and high order volume. Resolve Pay supports scalable net terms programs that help buyers purchase what they need while keeping receivables workflows organized.
Distributors often operate on tight margins and fast inventory cycles. Resolve Pay helps distributors extend terms while protecting cash flow and reducing manual AR work.
B2B ecommerce sellers need checkout experiences that match buyer expectations. Resolve Pay can embed net terms into ecommerce workflows, helping buyers apply for terms while sellers maintain visibility into approval, invoicing, and payment status.
Resolve Pay, Kriya, and Fundbox serve different needs. Kriya is primarily focused on UK and European B2B finance. Fundbox provides working capital directly to small businesses. Resolve Pay is built for B2B suppliers that want to offer payment terms while improving cash flow, reducing risk, and automating receivables.
For US-based manufacturers, wholesalers, distributors, and B2B ecommerce merchants, Resolve Pay provides the most complete fit because it connects the core pieces of a net terms program:
If your business wants to offer flexible buyer terms without turning your finance team into a manual credit department, Resolve Pay is the strongest choice.
Resolve Pay is a B2B payments and net terms platform that helps suppliers offer flexible payment terms to business buyers while improving cash flow, reducing credit risk, and automating accounts receivable workflows.
Resolve Pay can advance eligible approved invoices, allowing suppliers to offer buyers time to pay while improving their own cash flow. Resolve Pay also supports invoicing, payment reminders, collections, and reconciliation workflows.
Yes. Resolve Pay supports non-recourse advances on approved invoices, which means the supplier can reduce exposure to buyer non-payment on those approved transactions.
Resolve Pay integrates with ecommerce, ERP, and accounting systems, including QuickBooks, NetSuite, Sage Intacct, Xero, Shopify, BigCommerce, WooCommerce, and Magento.
Resolve Pay is best for B2B suppliers, including manufacturers, wholesalers, distributors, and B2B ecommerce merchants, that want to offer net terms, improve cash flow, reduce credit risk, and automate accounts receivable.
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.