Oct 08, 2026
Selecting the right financial solution for your B2B operations requires understanding fundamental differences between net terms financing, traditional business lending, and accounts receivable automation software. While OnDeck provides business loans and lines of credit for general working capital needs and Gaviti offers specialized AR automation software, Resolve Pay delivers integrated non-recourse net terms financing combined with complete AR automation in a single platform. Understanding these distinctions helps manufacturers, distributors, and wholesalers choose the approach that matches their cash flow objectives, credit risk tolerance, and operational efficiency goals.
According to the Federal Reserve Small Credit Survey, businesses commonly seek financing to meet operating expenses and pursue growth opportunities, highlighting the importance of access to working capital. Each platform addresses this need differently: Resolve Pay through invoice-based net terms financing, OnDeck through traditional business lending, and Gaviti through AR workflow optimization.
Key Takeaways
- Resolve Pay offers non-recourse financing where sellers keep advance payments even if approved buyers default, while OnDeck requires recourse debt with personal guarantees, and Gaviti provides no financing component at all
- Resolve Pay brings net terms financing, buyer underwriting, invoicing, collections automation, payment processing, and reconciliation into one B2B-focused platform
- Resolve Pay combines non-recourse net terms financing with AR automation, while OnDeck uses a traditional business lending model with repayment obligations for the borrower
- Resolve Pay provides native e-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento that neither OnDeck nor Gaviti offers, earning the 2025 BigCommerce Innovative Integration Award
- Credit decisions at Resolve Pay are based on buyer creditworthiness through AI-powered underwriting delivering approvals in under 24 hours, while OnDeck evaluates the merchant's credit score and requires 625 minimum FICO
- Gaviti focuses on invoice-to-cash automation, including cash application, while Resolve Pay combines AR automation with net terms financing and buyer credit underwriting
Understanding B2B Financial Solutions: Three Distinct Approaches
The B2B financial technology market encompasses fundamentally different solution categories, each addressing specific business challenges with varying degrees of comprehensiveness. Revenue leaders evaluating these options must understand how each approach impacts cash flow, credit risk exposure, and operational efficiency.
Traditional business lending platforms like OnDeck focus on providing working capital through term loans and lines of credit. These solutions help businesses fund inventory purchases, equipment acquisitions, payroll obligations, and expansion initiatives. The borrower receives capital and repays it over time regardless of whether their customers pay their invoices.
Accounts receivable automation software like Gaviti concentrates on optimizing the invoice-to-cash cycle through workflow automation, payment reminders, and collections management. These tools improve operational efficiency by reducing manual AR tasks but do not provide capital or transfer credit risk.
Integrated net terms financing platforms like Resolve Pay represent a convergence of financing and automation capabilities. The platform enables sellers to offer Net 30, 60, or 90 payment terms to business buyers while receiving advances within 1-2 business days. The non-recourse structure means Resolve Pay assumes the credit risk on approved invoices, protecting sellers from buyer defaults.
Resolve Pay
Integrated Net Terms Financing and AR Automation
Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer deferred payment terms while maintaining healthy cash flow. The platform provides upfront advances on approved invoices, with the advance amount and timing depending on the applicable program and buyer risk. Its current Net Terms product page describes advances of up to 90% within 24 hours.
The AI-powered credit engine evaluates buyer creditworthiness using thousands of data points including:
- Cash flow trends and payment history
- Behavioral signals and transaction patterns
- Business stability indicators
- Industry-specific risk factors
Credit decisions return in under 24 hours, with instant approvals available for qualifying purchases. This buyer-based underwriting approach means approval depends on customer strength rather than the seller's balance sheet.
AR Automation Capabilities
Accounts receivable automation handles multiple workflow components:
- Invoice generation synced from ERP systems
- Smart payment reconciliation using machine learning
- Real-time AR dashboards showing DSO and aging metrics
- Automated bookkeeping sync with QuickBooks, Xero, Sage Intacct, and NetSuite
The platform reduces manual AR work by up to 90% based on customer-reported metrics.
Collections and Payment Processing
Agentic collections employs multi-channel automated sequences across email, SMS, and voice AI with intelligent escalation based on buyer response patterns. The system preserves customer relationships through professional, friendly outreach that pauses automatically when payments or disputes arrive.
The white-labeled B2B payment portal provides buyers with a branded dashboard showing invoices, credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check, with self-serve payment plans and dispute flagging capabilities.
E-Commerce and ERP Integration
Resolve Pay provides native integrations with major e-commerce platforms including Shopify, BigCommerce, Magento 2, and WooCommerce. These embedded checkout integrations enable B2B buyers to apply for net terms during the purchase process without leaving the merchant's site.
ERP and accounting system integrations include QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite with two-way sync for invoice and payment data. Most teams launch in under one week with standard integrations.
Enterprise Compliance and Backing
Resolve Pay states that it is SOC 2 Type II attested and independently audited. The platform was built by former executives from Affirm, Amazon, and PayPal, bringing consumer fintech expertise to B2B commerce. Total funding exceeds $85 million including investment from Insight Partners, Initialized Capital, Commerce Ventures, and PayPal Ventures, serving 15,000+ businesses.
OnDeck
Traditional Business Lending Focus
OnDeck operates as a business lending platform providing term loans and lines of credit for general working capital needs. According to SBA working capital guidance, businesses should evaluate their funding needs, repayment timeline, and ability to service debt when choosing an appropriate financing option. OnDeck has funded over 185,000 businesses and delivered over $25 billion across the United States since 2006.
Product Structure
OnDeck's offerings include:
- Term loans: $5,000 to $400,000 with repayment terms up to 24 months
- Lines of credit: $6,000 to $200,000 with revolving draw and repay flexibility
- Use cases: Inventory, equipment, payroll, marketing, and expansion
- Funding speed: Same-day funding available after approval
Qualification and Underwriting
OnDeck evaluates borrowers based on merchant creditworthiness rather than customer creditworthiness. Minimum requirements include $100,000 in annual revenue, 625 FICO score, one year in business, and a business checking account. Personal guarantees are required.
OnDeck's term loans and lines of credit use a traditional lending structure. Repayment terms and other financing conditions depend on the product and borrower qualification.
Platform Scope
OnDeck focuses on business lending rather than accounts receivable workflow automation. Resolve Pay, by comparison, includes invoicing, collections, reconciliation, and other AR capabilities alongside net terms financing.
Gaviti
Specialized AR Automation Software
Gaviti positions itself as an invoice-to-cash automation platform focused on collections workflows, cash application, and dispute management. The platform earns a 4.5/5 rating on Capterra from 91 reviews. Gaviti focuses exclusively on AR automation without any financing component.
Core Features
Gaviti's platform capabilities include:
- Cash application: 95% automated payment matching through machine learning
- Collections workflows: AI-generated sequences with customizable reminders
- Dispute management: Dedicated tracking and resolution workflows
- Customer portal: Self-service access with zero-fee ACH payment processing
- Performance metrics: Customers report 30%+ decrease in DSO and 50% reduction in late receivables
ERP Integration Architecture
Gaviti emphasizes ERP-agnostic architecture supporting connections to SAP, NetSuite, QuickBooks, Xero, Sage Intacct, and proprietary systems. The platform allows simultaneous multi-ERP connections for organizations managing AR across multiple systems.
Platform Positioning
Gaviti focuses on invoice-to-cash automation, including collections workflows, cash application, credit management, disputes, and payment experiences. Resolve Pay addresses a broader seller workflow by combining AR automation with buyer underwriting and non-recourse net terms financing on approved transactions.
Financing Models Compared: Non-Recourse vs Recourse vs None
Credit Risk Allocation
The fundamental distinction between these platforms lies in credit risk allocation:
Resolve Pay's non-recourse model transfers default risk to the platform on approved invoices. When a buyer fails to pay, the seller keeps the advance received. This structure protects sellers from customer defaults without requiring personal guarantees.
OnDeck's recourse model places all credit risk on the borrowing business. Regardless of whether customers pay their invoices, the business must repay OnDeck according to loan terms. Personal guarantees mean owners face personal liability if the business cannot repay.
Gaviti's no-financing model means the platform handles no credit risk because it provides no financing. Businesses using Gaviti bear complete exposure to customer non-payment.
Cash Flow Impact
Each platform affects working capital differently:
- Resolve Pay converts 45-60 day DSO to essentially 1 day by advancing funds within 1-2 business days of invoice submission
- OnDeck provides working capital unrelated to specific invoices through lump sum loans or credit line draws
- Gaviti improves collection efficiency and reduces DSO through automation, with customers reporting 30%+ DSO reduction, but businesses still wait for customers to pay according to terms
AR Automation and Collections Features
Resolve Pay's Automation
Resolve Pay delivers comprehensive AR automation including:
- Invoice generation synced from ERP systems
- Payment reminders via email, SMS, and voice AI
- Intelligent escalation sequences
- Automated payment reconciliation using machine learning
- Real-time AR dashboards
The agentic collections system handles multi-channel outreach while preserving customer relationships.
OnDeck's Capabilities
OnDeck's core offering centers on term loans and lines of credit. Resolve Pay is built around a connected B2B credit-to-cash workflow that integrates with sellers' commerce, accounting, and ERP systems.
Gaviti's Automation
Gaviti offers specialized AR automation with strength in collections workflow optimization:
- Customizable reminder sequences
- Task prioritization and team collaboration tools
- Customer self-service portals
- 95% cash application automation accuracy
- Dedicated dispute management tracking modules
Integration Capabilities Across Platforms
E-Commerce Integration
Resolve Pay provides embedded e-commerce integrations that won the 2025 BigCommerce Innovative Integration Award. Native integrations with Shopify, BigCommerce, WooCommerce, and Magento enable buyers to apply for net terms at checkout.
OnDeck operates primarily as a business lending platform. Resolve Pay connects directly with ecommerce and back-office systems to support net terms within B2B selling workflows.
Gaviti emphasizes ERP-connected invoice-to-cash workflows. Resolve Pay additionally provides ecommerce checkout integrations that allow approved buyers to use net terms within online purchasing experiences.
ERP and Accounting Integration
Resolve Pay integrates with QuickBooks, Xero, Sage Intacct, and NetSuite with two-way sync for invoice and payment data, alongside e-commerce platform connections.
OnDeck functions independently from operational systems as a lending relationship.
Gaviti connects with ERP and accounting environments including NetSuite, QuickBooks Online, Xero, and Sage Intacct, with support for multi-ERP scenarios.
Documented Business Outcomes with Resolve Pay
Revenue Growth Results
B2B sellers using Resolve Pay report substantial business growth enabled by their ability to offer competitive net terms without cash flow constraints:
- SS&SI Dealer Network: 5x revenue growth after implementation
- Nandansons: 75% revenue growth through the partnership with agency Hammer Commerce
- Archipelago Lighting: Tripled revenue while reducing net terms approval time from 10 days to 24 hours
- ConEquip: 30% year-over-year growth in construction equipment sales
Operational Efficiency Improvements
The integrated platform delivers measurable operational benefits:
- Trenchless Supply: Reduced AR workload by 90% while achieving credit approvals in under 24 hours
- Elston Materials: Increased margins from 25% to 30% through improved cash flow management
- Shields Childcare Supplies: Won new business by offering Net 90 terms
Credit Line Expansion
Resolve Pay enables sellers to offer significantly larger credit lines than they could manage internally. Archipelago Lighting now offers 20x higher credit lines to qualified buyers without increasing their own credit risk exposure.
Why Resolve Pay Fits B2B Sellers
Resolve Pay is designed for B2B sellers that want to connect flexible payment terms with faster cash flow, buyer credit management, and AR automation.
The platform helps manufacturers, distributors, wholesalers, and other B2B sellers:
- Offer Net 30, 60, or 90 payment terms to approved buyers
- Receive upfront funding on eligible approved invoices
- Reduce exposure to buyer default through non-recourse financing
- Automate invoicing, collections, reconciliation, and payment workflows
- Base credit decisions on buyer creditworthiness
- Embed net terms into ecommerce purchasing experiences
- Connect ecommerce, ERP, accounting, credit, and receivables workflows
OnDeck and Gaviti address different financial workflows, with OnDeck centered on business lending and Gaviti centered on invoice-to-cash automation. Resolve Pay is specifically positioned around the B2B seller's credit-to-cash process, combining buyer underwriting, net terms financing, payments, AR automation, and collections in one platform.
For B2B sellers looking to offer customers more purchasing flexibility without tying up working capital or building a separate credit and collections operation, Resolve Pay provides the most directly aligned solution in this comparison.
Frequently Asked Questions
How Does Resolve Pay Help B2B Sellers Offer Net Terms?
Resolve Pay enables eligible B2B sellers to offer flexible payment terms to approved buyers while receiving upfront funding on qualifying invoices. The platform combines buyer credit assessment, invoicing, payments, collections, and AR automation within one workflow.
How Does Resolve Pay's Non-Recourse Financing Work?
Resolve Pay underwrites the buyer and provides non-recourse funding on approved transactions. For covered invoices, the seller keeps the advance if the approved buyer later defaults, subject to the applicable program terms.
What Payment Terms Can Businesses Offer Through Resolve Pay?
Resolve Pay supports flexible B2B payment terms, including Net 30, Net 60, and Net 90 options depending on the buyer, transaction, and applicable program.
How Quickly Can Businesses Start Using Resolve Pay?
Resolve Pay states that most teams can launch in under a week. Standard ecommerce, accounting, and ERP integrations can simplify implementation, while APIs are available for businesses with custom requirements.
What Systems Does Resolve Pay Integrate With?
Resolve Pay supports integrations across ecommerce, accounting, and ERP systems, including Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and NetSuite. These connections help synchronize invoice, payment, and receivables workflows.
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.
