B2B finance teams often end up comparing Resolve Pay, OnDeck, and FundThrough because all three can improve cash flow. But they do so in very different ways. One helps sellers extend buyer terms while protecting liquidity, another provides general-purpose business credit, and the third turns outstanding invoices into cash after a sale has already happened. That distinction matters because the right choice depends less on “fast funding” in the abstract and more on what problem you are trying to solve inside your order-to-cash cycle.
For suppliers, manufacturers, and distributors that sell on invoice, the biggest question is usually not whether capital is available. It is whether the platform helps you offer terms confidently, keep collections organized, and reduce exposure while your buyers pay on their own schedule. That is where Resolve Pay stands apart. Its net terms, AR automation, and ERP integrations are designed around the full B2B receivables workflow rather than a single funding event. That makes this comparison less about chasing cash and more about choosing the operating model that fits your business. Resources like the Federal Reserve small business survey, the SBA’s working-capital guidance, and the CFPB’s small-business lending materials all point to the same theme: financing structure affects how a business operates day to day.
Resolve Pay is a B2B payments and trade-credit platform for merchants, manufacturers, wholesalers, and distributors. It lets sellers offer buyer payment terms while accelerating their own cash flow through approved invoice advances. Beyond funding, Resolve Pay brings together credit checks, invoicing, collections workflows, reconciliation, branded payment portals, and net terms for ecommerce. It also integrates with systems such as NetSuite, QuickBooks Online, Xero, Sage Intacct, Shopify, BigCommerce, WooCommerce, and Magento. Official product pages also state that Resolve Pay is used by more than 15,000 B2B businesses and supports terms such as Net 30, Net 45, Net 60, and Net 90.
OnDeck is an online small-business lender. Its core products are term loans and lines of credit for working capital, equipment, operating expenses, and other broad business needs. The focus is the borrower’s business profile rather than the borrower’s customers or invoice workflow. OnDeck’s current site highlights funding as soon as the same day for qualified applicants, eligibility benchmarks that include at least one year in business, at least USD 100,000 in annual revenue, and a minimum 625 personal FICO score. Its term loan materials also describe a general lien on business assets, while its FAQ states that term loans are backed by a personal guarantee.
FundThrough is an invoice factoring and invoice-finance platform focused on converting unpaid B2B invoices into cash after the invoice exists. Its model is designed for companies that want to choose invoices to fund rather than redesign the full buyer-credit experience. FundThrough says businesses can connect accounting or invoicing systems to pull eligible invoices into the platform, and its current materials reference integrations with QuickBooks Online, OpenInvoice, and Xero, while its help content also references support for Sage and NetSuite. FundThrough also announced its acquisition of BlueVine’s invoice factoring business in January 2022.
This is the most important structural difference.
Resolve Pay underwrites the buyer so the seller can extend terms with more confidence and automate decisions inside the sales flow. Resolve Pay’s product pages describe AI-driven credit decisions based on thousands of buyer data points and position the product as a way to offer terms without becoming the bank for your customers. That framework is especially useful for suppliers that want to grow sales on terms while keeping their own working capital predictable.
OnDeck underwrites the business that is borrowing. In other words, the financing decision is centered on the merchant’s own revenue, time in business, and credit profile rather than on individual buyers or receivables. That makes OnDeck more aligned with broad working-capital borrowing than with trade-credit operations.
FundThrough sits in between those models. Its underwriting is tied to the invoice and the expected payment performance behind it, which is why it works well for businesses that want invoice-by-invoice liquidity after billing rather than buye
Resolve Pay’s current product materials describe advances within 24 hours on approved invoices, with funding commonly reaching the seller in one to two business days depending on the program and workflow. That structure is tied to the seller’s net-terms program, so the financing sits inside the receivables process rather than outside it.
OnDeck highlights same-day funding for qualified borrowers, but the funds come as a loan or line draw that the business then repays over time. That makes it useful when the need is general liquidity, not necessarily when the goal is to modernize how customers buy on terms.
FundThrough states that businesses can get funded the day after full approval, which keeps it attractive for companies that already have invoices outstanding and want selective access to cash.
Resolve Pay is the most complete operating platform of the three. In addition to funding, it includes AR automation, payment workflows, collections support, branded buyer portals, and sync with major accounting, ERP, and ecommerce systems. That matters because many finance teams are trying to reduce manual receivables work, not just accelerate one invoice at a time. Resolve Pay’s own integration page also highlights automation around bookkeeping, reconciliation, and checkout-based net terms.
OnDeck is not built as a receivables workflow system. It is a lending product, so invoicing, collections, buyer onboarding, and reconciliation still sit elsewhere in the tech stack.
FundThrough adds convenience around invoice ingestion and selective funding, but its core role remains invoice monetization rather than full order-to-cash orchestration.
Resolve Pay is built around the idea that trade credit can help sellers close larger and more frequent orders when it is managed well. The platform’s factoring alternative positioning and invoice terms resources fit businesses that want to turn payment terms into a growth lever rather than treat financing as a separate emergency tool. Resolve Pay’s product pages also frame the platform around improving buyer purchasing power and keeping the seller’s cash flow moving.
Resolve Pay’s official materials repeatedly describe approved invoice advances as non-recourse and position the service as a way to reduce bad-debt exposure while continuing to offer terms. For suppliers extending meaningful credit lines, that risk treatment is a major difference from standard business borrowing.
Many teams comparing these products are really trying to solve several problems at once: who qualifies for terms, how invoices get paid, how reminders are handled, and how everything gets reconciled back into the ERP. Resolve Pay addresses that with B2B payments, credit checks, and ERP integrations in a single operating model. That is a more natural fit for finance teams that do not want separate systems for lending, receivables, and buyer experience.
External guidance from the SBA on working capital and the CFPB’s small-business lending resources underscores how important financing structure, underwriting, and reporting are for growing businesses. Resolve Pay aligns well with that environment because it ties cash acceleration directly to trade-credit operations rather than adding a separate debt product on top of a manual AR process.
Resolve Pay is the strongest fit when you:
For wholesalers, distributors, manufacturers, and B2B merchants, that combination makes Resolve Pay the most complete choice in this comparison.
OnDeck is generally a better category fit when the business needs flexible capital for payroll, equipment, operating expenses, or short-term working capital that is not tied to a buyer-credit program or invoice process. It is most relevant when the business is comfortable using a lender-style structure and wants a fast application-to-funding path.
FundThrough is a reasonable fit for businesses that already issue invoices and want the ability to pull forward cash on selected receivables without redesigning checkout, buyer onboarding, or net-terms workflows. It is more of a post-invoice cash-flow tool than a full trade-credit operating system.
If your goal is simply to borrow money for general business use, OnDeck belongs in the conversation. If your goal is to fund invoices after they are issued, FundThrough is relevant. But if your goal is to help B2B buyers purchase on terms, get paid faster, automate receivables, and keep risk more controlled inside one platform, Resolve Pay is the strongest fit.
That is the key reason this comparison matters. Resolve Pay is not just another way to access cash. It is a purpose-built B2B commerce and receivables platform that supports net terms, accounts receivable, and a modern factoring vs AR strategy in one system. For mid-market B2B sellers that want to grow without turning finance into a manual bottleneck, Resolve Pay is the option most aligned with how trade credit actually works day to day.
The main difference is timing and workflow. Resolve Pay helps sellers offer terms at the point of sale or within an active customer relationship, while also supporting collections and receivables operations. Factoring is usually used after an invoice already exists. Resolve Pay’s factoring alternative and net terms management pages explain that broader operating model.
Yes. Resolve Pay’s official integrations page lists QuickBooks Online, Xero, Sage Intacct, NetSuite, Shopify, BigCommerce, WooCommerce, and Magento, plus API-based options for custom environments.
Yes. Resolve Pay’s accounts receivable materials describe automation for reminders, collections workflows, reconciliation, and payment matching, along with branded portals that centralize how buyers pay.
Yes. Resolve Pay positions itself for both businesses launching terms for the first time and companies improving an existing program. Its business credit checks and net terms workflow are designed to reduce manual work when teams are new to buyer underwriting and collections.
Resolve Pay is usually the strongest fit for B2B sellers such as manufacturers, wholesalers, distributors, and merchants that invoice customers, extend terms, and want a single platform for credit, payments, and receivables operations. Resolve Pay’s current product pages also position the platform around companies with meaningful B2B revenue and operational complexity, not one-off borrowing needs.
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.