Resolve Pay vs OnDeck vs Apruve: 2026 Comparison

If you're a B2B supplier evaluating financing options in 2026, Resolve Pay, OnDeck, and Apruve may appear in the same search results, but they are built for different use cases. Resolve Pay is designed for suppliers that want to offer net terms financing to business buyers while getting paid faster and reducing credit risk. OnDeck is a small business lender that provides working capital through loans and lines of credit. Apruve, now part of TreviPay, supports enterprise trade credit and order-to-cash workflows for larger buyer networks.

That distinction matters because payment terms, working capital loans, and enterprise credit infrastructure solve different finance problems. A supplier that needs to offer Net 30, Net 60, or Net 90 terms is not necessarily looking for a loan. A company that needs general operating capital may not need a buyer-facing credit program. An enterprise marketplace managing global invoicing workflows may need a broader network model.

This comparison explains how each platform works, where the models differ, and why Resolve Pay is the most relevant option for mid-market B2B suppliers that want to extend payment terms, automate receivables, and improve cash flow without adding debt to the balance sheet.

Key Takeaways

• Resolve Pay is built for supplier cash flow: Resolve Pay helps B2B suppliers offer net terms to buyers while supporting credit decisions, invoice advancement, payment workflows, and receivables automation.
• OnDeck is a business lending option: OnDeck provides loans and lines of credit for companies that need general working capital rather than buyer-facing net terms.
• Apruve supports enterprise credit workflows: Apruve, now part of TreviPay, focuses on trade credit automation and order-to-cash infrastructure for larger B2B programs.
• Product category matters most: Net terms financing, business lending, and enterprise trade credit infrastructure should not be evaluated as interchangeable products.
• Resolve Pay helps reduce AR complexity: Resolve Pay combines buyer credit checks, payment terms, collections workflows, and ERP or ecommerce integrations in one platform.
• Resolve Pay keeps the supplier relationship central: Suppliers can offer flexible payment terms while Resolve Pay supports the financing, risk, and receivables workflow behind the scenes.

Why B2B Suppliers Are Comparing Financing Options in 2026

B2B financing has become more important as buyers continue to expect flexible payment terms while suppliers need reliable cash flow. The global B2B buy-now-pay-later market continues to expand, with market research tracking strong growth across ecommerce, wholesale, manufacturing, and distribution.

For suppliers, the challenge is practical. A buyer may want to place a large order today and pay later, but the supplier still has inventory costs, payroll, freight, materials, and operating expenses. When invoices remain open for weeks, cash flow can tighten even when sales are growing. The Federal Reserve has also reported that many small and mid-sized businesses continue to rely on financing to manage operating needs, which helps explain why B2B suppliers compare lending, payment terms, and receivables tools side by side.

Resolve Pay, OnDeck, and Apruve represent three different responses to that environment:

• Resolve Pay helps suppliers offer net terms and get paid faster through B2B payments and receivables automation.
• OnDeck provides business financing directly to the company borrowing capital.
• Apruve, now part of TreviPay, supports enterprise trade credit and invoicing workflows for larger networks.

The right choice depends less on brand comparison and more on which financial workflow the business needs to solve.

What Does Each Platform Actually Do?

Resolve Pay: Net terms financing for B2B suppliers

Resolve Pay is a B2B net terms and accounts receivable platform that helps suppliers offer flexible terms to buyers while improving cash flow. Instead of asking the supplier to wait for the buyer to pay, Resolve Pay can advance payment on approved invoices and support the credit, invoicing, collections, and reconciliation process.

The platform is built for merchants, manufacturers, wholesalers, and distributors that want to offer payment terms without managing the entire credit process manually. Resolve Pay supports Net 30, Net 60, Net 90, and custom terms, subject to buyer verification and approval. It also provides a branded payment portal, payment reminders, collections workflows, and integrations with ecommerce, ERP, and accounting systems.

For suppliers that want to make net terms part of their sales strategy, Resolve Pay functions like a credit team and receivables workflow in one platform.

OnDeck: Business loans and lines of credit

OnDeck is a U.S. online small business lender. Its products are designed for companies that want to borrow capital for general business purposes, such as inventory, equipment, staffing, marketing, cash flow gaps, or expansion.

This is different from net terms financing. OnDeck evaluates the business borrower, not the supplier's buyers. The company receives borrowed capital and repays it under the financing agreement. That can be useful when the business needs general working capital, but it does not create a buyer-facing net terms program or automate accounts receivable workflows.

OnDeck is best understood as a lender, not a receivables or net terms platform.

Apruve: Enterprise B2B credit management through TreviPay

Apruve was acquired by TreviPay in December 2022, a transaction that expanded TreviPay's order-to-cash technology and B2B payments network. The acquisition announcement described Apruve as a trade credit automation platform for global enterprises and noted that Apruve's capabilities would complement TreviPay's invoicing, network, and order-to-cash offerings.

Apruve is most relevant for larger organizations, marketplaces, and enterprise suppliers managing complex buyer networks. Its model is oriented around trade credit infrastructure, managed receivables, and enterprise-scale payment workflows.

For mid-market suppliers looking for a practical way to offer net terms and automate receivables, Resolve Pay is the more directly aligned model.

Quick Overview

Resolve Pay: Net terms and AR automation

Resolve Pay helps B2B suppliers offer net terms while reducing the operational burden that typically comes with buyer credit. The platform supports credit decisioning, invoice advancement, payment reminders, collections workflows, and reconciliation.

Key Resolve Pay capabilities include:

• AI-driven buyer credit decisions: Resolve Pay evaluates buyers and supports faster credit decisions.
• Net terms support: Suppliers can offer Net 30, Net 60, Net 90, and custom terms depending on buyer approval.
• Invoice advancement: Resolve Pay can advance funds on approved invoices so suppliers do not need to wait the full payment term.
• Non-recourse structure: Resolve Pay supports a non-recourse model for approved advances, helping suppliers reduce exposure to buyer nonpayment.
• Accounts receivable automation: The platform supports invoicing, payment reminders, collections, cash application, and reporting.
• Branded buyer portal: Buyers can view invoices and pay through a supplier-branded experience.
• Integrations: Resolve Pay connects with ERP and accounting systems such as QuickBooks Online, Xero, NetSuite, Sage Intacct, and ecommerce platforms such as Shopify, BigCommerce, WooCommerce, and Magento.

Resolve Pay is especially relevant for suppliers that want to offer payment flexibility without building an internal credit and collections function from scratch.

OnDeck: Working capital lending

OnDeck provides financing directly to businesses. Its products are useful when a company needs capital for general business needs rather than a buyer-facing payment terms program.

Typical OnDeck use cases include:

• Covering seasonal cash flow gaps
• Purchasing inventory or equipment
• Funding growth initiatives
• Managing short-term operating expenses
• Accessing working capital without changing buyer payment workflows

OnDeck can be useful for companies that want a lending product, but it does not replace a net terms platform. It does not manage buyer credit approvals, supplier invoice advancement, buyer payment portals, or AR automation for net terms programs.

Apruve: Enterprise trade credit infrastructure

Apruve, as part of TreviPay, is positioned around enterprise B2B payment and trade credit workflows. It supports organizations with more complex buyer networks, international payment needs, and order-to-cash requirements.

Common Apruve and TreviPay use cases include:

• Enterprise trade credit management
• Buyer invoicing across large networks
• Managed receivables workflows
• Multi-region B2B payment programs
• Order-to-cash automation for larger organizations

This can be a strong fit for enterprise-scale programs, but mid-market suppliers often need a more direct solution for getting paid faster while offering flexible payment terms. That is where Resolve Pay's supplier-focused platform is a better fit.

Feature-by-Feature Comparison

Credit Risk and Liability: Who Bears the Default Risk?

Resolve Pay

Resolve Pay is designed to help suppliers offer payment terms without taking on the same level of manual credit risk. For approved customers and approved advances, Resolve Pay supports a non-recourse structure, meaning the supplier can get paid while Resolve Pay manages the buyer payment process.

This matters because offering net terms is often similar to acting as a bank for customers. The supplier extends credit, waits for payment, manages reminders, and carries the risk of delayed or missed payment. Resolve Pay helps shift that operational burden into a managed workflow that includes credit assessment, payment reminders, collections, and receivables automation.

For suppliers, that creates a clearer path to offering terms while keeping cash flow more predictable.

OnDeck

OnDeck financing is a borrower obligation. The business receives capital and is responsible for repaying it based on the financing terms. The lender evaluates the borrowing business rather than the business's customers.

This model can be useful for general working capital, but the repayment obligation remains with the borrower. It does not transfer buyer credit risk or automate customer payment terms.

Apruve

Apruve's model, now part of TreviPay, is structured around enterprise credit and payment networks. Its workflows are designed for larger buyer and seller ecosystems where trade credit, invoicing, and managed receivables are handled across a broader order-to-cash infrastructure.

For enterprise companies, that network model can support complex programs. For mid-market suppliers, Resolve Pay offers a more focused route to net terms, upfront payment, and AR automation.

How Do Credit Decisions Work?

Resolve Pay buyer credit decisions

Resolve Pay evaluates buyers so suppliers can offer payment terms with more confidence. Its business credit check capabilities support credit assessment using business data, AI-driven models, and credit expertise. Approved buyers can receive payment terms, and suppliers can use Resolve Pay to manage the invoicing and payment workflow.

This credit decisioning process is useful for suppliers that want to extend terms at checkout, during invoicing, or through sales-assisted B2B workflows.

OnDeck borrower underwriting

OnDeck evaluates the business applying for financing. That means the underwriting process is centered on the company's qualifications, revenue, time in business, credit profile, and other lending criteria.

This is appropriate for a company seeking working capital, but it is separate from buyer underwriting. A supplier using OnDeck still needs to decide how to approve buyers for trade credit, how to collect invoices, and how to reconcile payments.

Apruve enterprise credit workflows

Apruve supports credit management as part of a larger enterprise B2B payment infrastructure. The process is built for larger organizations with established buyer networks, higher transaction volume, and more complex invoicing requirements.

For suppliers that need a more streamlined mid-market net terms solution, Resolve Pay is easier to align with day-to-day AR and buyer payment workflows.

ERP, Ecommerce, and AR Automation Compared

Resolve Pay

Resolve Pay connects net terms financing with the systems suppliers already use to run sales and finance operations. Through platform integrations, Resolve Pay supports ecommerce, ERP, and accounting workflows, including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, WooCommerce, and Magento.

That integration layer matters because net terms are not just a checkout option. They affect invoices, credit approvals, payment reminders, collections, reconciliation, and reporting. Resolve Pay helps centralize those workflows so finance teams do not need to manage separate spreadsheets, manual emails, disconnected payment records, and delayed invoice updates.

For suppliers already investing in accounts receivable automation, Resolve Pay brings the net terms workflow into the broader credit-to-cash process.

OnDeck

OnDeck is focused on business financing. It is not built to automate AR, manage buyer terms, send customer payment reminders, or sync invoice-level receivables data back into ecommerce and accounting platforms.

That distinction is not a drawback for a lender. It simply means OnDeck should be evaluated as a working capital product rather than a net terms or AR automation platform.

Apruve

Apruve and TreviPay support enterprise payment and invoicing workflows. This can include managed receivables, trade credit, invoicing, and network-based payment operations.

For larger organizations with global buyer programs, that structure can be relevant. For mid-market suppliers that want to add net terms, improve cash flow, and automate AR without an enterprise-scale rollout, Resolve Pay is more directly aligned.

Who Should Use Resolve Pay?

Resolve Pay is the strongest fit for B2B suppliers that want to make payment terms part of their growth strategy.

Resolve Pay is a good fit for suppliers that want to:

• Offer Net 30, Net 60, Net 90, or custom payment terms to business buyers
• Get paid faster on approved invoices rather than waiting for the buyer's full payment period
• Reduce exposure to buyer nonpayment through a non-recourse structure
• Automate payment reminders, collections workflows, and reconciliation
• Connect net terms into ecommerce, ERP, and accounting systems
• Support buyers through a branded payment portal
• Grow B2B sales without building a large internal credit and collections team

Resolve Pay is especially useful for manufacturers, wholesalers, distributors, and B2B ecommerce sellers that already sell to business buyers and want to offer more flexible payment options.

Final Verdict

Resolve Pay is built for B2B suppliers that want to offer net terms, improve cash flow, and simplify accounts receivable.

For suppliers that sell to business buyers, Resolve Pay offers the most relevant combination of capabilities: buyer credit assessment, flexible net terms, approved invoice advancement, non-recourse risk support, branded buyer payments, collections workflows, and ERP or ecommerce integrations. It helps suppliers offer the payment flexibility buyers expect while keeping receivables connected to the systems finance teams already use.

That makes Resolve Pay the best fit in this comparison for mid-market B2B suppliers that want to grow sales, reduce AR friction, and get paid faster without turning a receivables problem into a loan.

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Frequently Asked Questions

What is the difference between Resolve Pay and OnDeck?

Resolve Pay helps B2B suppliers offer net terms to buyers while supporting credit decisions, invoice advancement, payments, collections, and AR automation. OnDeck provides business loans and lines of credit for companies that need working capital. Resolve Pay focuses on buyer payment terms and receivables, while OnDeck focuses on lending to the business.

Is Resolve Pay a loan?

Resolve Pay is not structured like a traditional business loan for the supplier. It helps suppliers get paid faster on approved invoices while buyers pay later on net terms. The supplier is not borrowing general-purpose capital in the same way it would with a term loan or line of credit.

What payment terms can suppliers offer with Resolve Pay?

Resolve Pay supports Net 30, Net 60, Net 90, and custom payment terms, subject to buyer verification and approval. Suppliers can use Resolve Pay to offer more flexible payment options while keeping the AR workflow connected to credit decisions, invoicing, reminders, and reconciliation.

Does Resolve Pay integrate with accounting and ecommerce platforms?

Yes. Resolve Pay integrates with accounting, ERP, and ecommerce systems, including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, WooCommerce, and Magento. These integrations help suppliers connect net terms, invoice advancement, payment records, and reconciliation into existing workflows.

Who is Resolve Pay best for?

Resolve Pay is best for B2B suppliers, manufacturers, wholesalers, distributors, and ecommerce sellers that want to offer net terms to business buyers while improving cash flow and reducing AR workload. It is especially relevant for suppliers that want payment flexibility for buyers without managing credit checks, collections, and reconciliation manually.

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.