Selecting the right B2B payment and financing solution can determine whether your business scales efficiently or struggles with cash flow constraints. While OnDeck provides traditional business loans and Billie offers European checkout-embedded payment terms, Resolve Pay delivers non-recourse net terms financing combined with complete AR automation for North American B2B suppliers. Understanding these fundamental differences between lending products, regional payment solutions, and integrated trade credit platforms helps manufacturers, distributors, and wholesalers select the approach that matches their operational needs, risk tolerance, and growth objectives.
When B2B suppliers evaluate financing and payment solutions, the choice between traditional lending, regional payment platforms, and integrated trade credit solutions becomes critical. Three distinct approaches represent fundamentally different philosophies toward managing cash flow and extending payment terms to business buyers. OnDeck operates as a traditional lender providing term loans and lines of credit to businesses. Billie functions as a European B2B buy now, pay later platform embedded at checkout. Resolve Pay takes a different approach, delivering non-recourse net terms financing combined with complete AR automation for North American suppliers.
The B2B financial services market generally falls into three categories, each built around a different operating model and business objective. According to the Federal Reserve Payments Study, businesses rely on multiple noncash payment methods, including ACH transfers, checks, cards, and wires, making workflow fit an important consideration.
Traditional lenders provide capital for general business needs. They evaluate the merchant's creditworthiness and offer term loans or revolving credit that businesses repay with interest.
These funds can support:
The tradeoff is that repayment obligations remain separate from the supplier's customer receivables workflow.
Regional B2B payment platforms take a checkout-embedded approach to payment terms. They typically integrate with payment service providers and offer real-time credit decisions at the point of purchase.
Their main focus is:
Integrated trade credit platforms like Resolve Pay take a broader approach to B2B net terms. Instead of lending directly to the seller or focusing only on checkout conversion, Resolve Pay's net terms solution lets suppliers offer Net 30/60/90 terms to approved business buyers while receiving immediate cash through non-recourse financing.
The platform also combines:
The distinction comes down to execution:
The spectrum of B2B financing solutions spans from basic borrowing to integrated trade credit platforms, with profound implications for supplier operations and buyer relationships.
Traditional lending operates on the debt model, requiring sellers to take on repayment obligations. These systems might provide quick access to capital, but the repayment schedules create ongoing financial considerations. The seller bears the risk of business performance changes, and the loans do not directly help with extending payment terms to customers.
Regional payment solutions operate on the checkout conversion model, offering real-time credit decisions when buyers make purchases. While this approach improves transaction completion rates, it does not necessarily address the complete receivables workflow. Sellers using these platforms may still need separate tools for invoice management, payment reconciliation, and collections on transactions outside the embedded checkout flow.
Integrated trade credit platforms like Resolve Pay operate on the non-recourse financing model with full receivables automation. When suppliers extend net terms through Resolve Pay, eligible approved invoices can receive an upfront advance, with Resolve Pay's main net terms product supporting advances of up to 90% within 24 hours. Resolve Pay's non-recourse structure helps protect suppliers on covered approved advances.
The automation advantage compounds across multiple dimensions:
OnDeck and Billie serve their respective use cases effectively, but provide different approaches compared to Resolve Pay's complete integration of financing, AR automation, and risk protection for B2B trade credit workflows.
Resolve Pay operates as a B2B payments platform focused on enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash through non-recourse invoice financing. Rather than lending to sellers or focusing on checkout conversion, Resolve Pay's integrated platform combines credit decisioning, financing, AR automation, and collections in a single solution.
Resolve Pay's main net terms product can advance up to 90% of approved invoice value within 24 hours while buyers receive Net 30/60/90 terms. Advance percentages can vary by product configuration and risk profile. The non-recourse structure helps protect suppliers on covered approved advances, with Resolve Pay managing the credit assessment and payment workflows.
The AI credit engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. Real-time credit decisions enable approvals in under 24 hours, with instant approvals available for some purchases. Dynamic credit decisions can adapt as buyer information changes, while Resolve Pay supports discreet credit assessment using basic business information without requiring customer interaction for the initial check.
The AR automation platform eliminates manual receivables work through:
The white-labeled payment portal maintains the seller's brand throughout the buyer journey. Buyers access a branded dashboard showing all invoices, credit lines, and payment history with options for ACH, wire transfer, credit card, and check payments.
Resolve Pay supports B2B payment, credit, invoicing, and receivables workflows for manufacturers, distributors, wholesalers, and other B2B sellers across regulated industries.
Native integrations span major platforms including:
Resolve Pay supports flexible integrations through platform connectors and APIs that can connect the platform with existing ecommerce, ERP, and accounting workflows.
Resolve Pay serves mid-market B2B sellers typically with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. According to SBA guidance on business credit, supplier credit allows businesses to receive goods or supplies and defer payment to a later date, helping conserve cash flow.
The platform fits businesses that need to offer competitive net terms while maintaining cash flow, want non-recourse protection on covered approved advances, require complete AR automation to reduce manual workload, operate in North American markets, and use ERP or e-commerce platforms that benefit from native integration.
OnDeck positions itself as a traditional business lender providing term loans and lines of credit to small and medium businesses. OnDeck reports serving more than 185,000 businesses since 2006 and delivering more than $25 billion in business financing across the United States.
OnDeck's lending products include:
The platform focuses on fast approval and funding, with same-day funding available for qualified applicants. Applications can be completed in minutes, and the straightforward documentation requirements make the process accessible compared to traditional banks.
OnDeck's approach includes several defining characteristics:
OnDeck works well for businesses needing quick access to working capital for equipment purchases, inventory, or payroll. However, the platform focuses on business lending rather than directly helping suppliers extend payment terms to customers or manage accounts receivable.
OnDeck provides business financing across the United States except North Dakota, with availability subject to state and underwriting requirements.
Billie operates as a European B2B buy now, pay later platform focused on checkout-embedded payment terms. The platform has served business buyers across supported European countries including Germany, Austria, France, and the Netherlands.
Billie supports several integration approaches, including connections through Stripe, Adyen, Klarna, Mollie, direct interfaces, and store-system integrations to offer real-time credit decisions at the point of purchase. When buyers check out, Billie evaluates their creditworthiness and can enable payment terms up to 120 days.
The platform's strengths include:
Billie primarily supports transactions with business buyers in supported European countries, while merchant availability can vary by integration. Billie's offering is primarily oriented toward supported European buyer markets, while Resolve Pay is positioned around North American B2B supplier workflows.
Resolve Pay uses non-recourse invoice financing, with its main net terms product supporting advances of up to 90% of approved invoice value within 24 hours. Suppliers can receive upfront cash through Resolve Pay's non-recourse invoice financing rather than taking out a traditional business loan, while Resolve Pay manages credit assessment, payment workflows, and the covered risk associated with approved transactions.
OnDeck provides traditional business loans that create repayment obligations for the borrowing business. The business takes on financing that requires repayment according to the loan agreement. Loans do not directly connect to specific customer invoices or payment terms.
Billie offers merchant financing at checkout where approved buyers receive payment terms and Billie pays the merchant after order fulfillment. The model works within the checkout flow across multiple sales channels.
Resolve Pay focuses on North American B2B suppliers with US and Canadian market coverage, enabling deeper ERP integration and consistent regulatory environment support.
OnDeck provides business financing across the United States except North Dakota, with availability subject to state and underwriting requirements.
Billie primarily serves supported European buyer markets, while Resolve Pay focuses on B2B supplier workflows in North America.
Resolve Pay provides native bi-directional integrations with:
OnDeck operates as a standalone lending product, with the platform's core offering centering on business lending without system integration requirements.
Billie supports several integration approaches, including connections through Stripe, Adyen, Klarna, Mollie, direct interfaces, and store-system integrations.
Resolve Pay includes complete AR automation:
OnDeck provides business lending services without AR capabilities. Businesses using OnDeck financing manage receivables separately.
Billie offers payment workflow features for transactions processed through its platform, including payment reminders and collections for Billie-financed transactions.
Resolve Pay provides non-recourse invoice financing, with its main net terms product supporting advances of up to 90% of approved invoice value within 24 hours. Resolve Pay's non-recourse structure helps protect suppliers on covered approved advances.
OnDeck structures its products as business financing where the borrower manages repayment according to the financing agreement.
Billie provides payment term solutions on transactions processed through its platform, with the structure varying by merchant agreement.
The theoretical advantages of integrated trade credit platforms translate to measurable business outcomes across diverse B2B companies. Customer results demonstrate the revenue impact, efficiency gains, and risk protection that Resolve Pay delivers.
These results share common patterns: rapid time-to-value typically measured in weeks, sustained performance improvements over quarters, and efficiency gains that compound as teams reallocate saved time to strategic activities.
The ROI advantage stems from replacing cash flow constraints and manual AR work with automated financing that operates continuously. Teams gain immediate cash on invoices through non-recourse invoice financing, help protect against bad debt risk on covered approved advances, and reduce AR overhead by up to 90% while maintaining professional customer relationships through automated collections.
Resolve Pay is designed for B2B suppliers that want to offer customers flexible payment terms while improving cash-flow predictability and streamlining receivables operations.
Resolve Pay is particularly relevant when your business needs:
For manufacturers, distributors, wholesalers, and other B2B suppliers that want to offer flexible payment terms while improving cash flow and reducing manual receivables work, Resolve Pay brings credit decisioning, non-recourse invoice financing, payments, reconciliation, and collections into one connected platform. Its focus on B2B trade credit makes it especially relevant for suppliers that want to expand buyer purchasing power without building a larger internal credit and AR operation.
Resolve Pay supports implementation through integrations with major ERP, accounting, and ecommerce platforms, with timelines depending on each business's systems and integration requirements. The platform's buyer-based credit decisioning enables suppliers to extend net terms based on buyer creditworthiness, while the non-recourse structure helps protect against default risk on covered approved transactions.
Resolve Pay combines buyer credit assessment, net terms financing, payments, and accounts receivable workflows in one platform. Approved invoices can qualify for upfront advances while buyers receive extended payment terms, helping suppliers improve cash flow without managing every part of the credit process internally. The platform automates invoice generation, payment reminders, reconciliation, and collections while providing non-recourse protection on covered approved advances.
Resolve Pay supports common B2B payment terms including Net 30, Net 60, and Net 90, with available terms and credit decisions depending on the buyer and transaction. This gives suppliers flexibility to offer qualified buyers more time to pay while maintaining predictable cash flow through upfront advances on approved invoices.
Resolve Pay supports invoice workflows, payment reminders, reconciliation, bookkeeping synchronization, AR reporting, and agentic collections. Bringing these functions into one platform can reduce the manual work required to manage business receivables. The platform syncs automatically with major ERP and accounting systems to eliminate double data entry.
Resolve Pay's business credit checks use AI, business data, behavioral signals, and credit expertise to evaluate buyers. Resolve Pay can begin a discreet assessment using basic business information and provides credit decisions based on its underwriting process, often delivering approvals in under 24 hours with instant decisions available for some purchases.
Resolve Pay supports integrations with major accounting, ERP, and ecommerce platforms, including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento 2, and WooCommerce. Flexible APIs can also support custom implementation requirements, enabling bi-directional data synchronization between Resolve Pay and existing business systems.
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.