Resolve Pay vs OnDeck vs Kriya

Selecting the right B2B financing solution can determine whether your business maintains healthy cash flow or struggles with payment delays. While OnDeck provides general small business lending and Kriya focuses on UK-based B2B credit and PayLater services, Resolve Pay delivers non-recourse net terms financing combined with comprehensive AR automation for US and Canadian manufacturers, distributors, and wholesalers. The U.S. Chamber of Commerce explains that Net 30, Net 60, and Net 90 payment terms are commonly used in B2B transactions, with longer terms creating additional working capital requirements for sellers. This makes choosing the right financing partner important for maintaining healthy cash flow. Understanding these fundamental differences between invoice-specific financing, general working capital loans, and regional PayLater solutions helps B2B sellers select the approach that matches their operational needs, risk tolerance, and geographic market.

Key Takeaways

• Resolve Pay offers non-recourse financing on qualifying approved invoices, with advances of up to 100% under eligible arrangements. Sellers retain covered advances if approved buyers default, subject to program terms, while OnDeck provides general business lending and Kriya offers UK-based B2B credit products
• Resolve Pay can advance up to 100% on approved net terms invoices, with funding available in as little as 24 hours, while OnDeck provides general business lending and Kriya offers invoice finance and embedded PayLater products
• Resolve Pay uses AI-driven underwriting to provide real-time credit decisions for eligible buyers, with additional credit assessments generally completed within 24 business hours
• Resolve Pay includes comprehensive AR automation across invoicing, reconciliation, payment reminders, and collections, with Trenchless Supply reporting a 90% reduction in AR workload
• Resolve Pay serves US and Canadian B2B businesses with native integrations for Shopify, BigCommerce, NetSuite, and QuickBooks, while Kriya is a UK-headquartered provider that became part of Allica Bank in October 2025 and also supports international PayLater activity
• Over 15,000 businesses actively use Resolve Pay's platform, and the company maintains a perfect 5.0/5 rating on G2 from verified customer reviews

Understanding B2B Financing Models

The B2B financing market encompasses distinct solution categories, each serving different operational models and business objectives. Understanding these fundamental differences helps revenue leaders select tools aligned with their cash flow needs and risk appetite.

General Small Business Lenders like OnDeck provide working capital through term loans and lines of credit. These platforms evaluate the merchant's creditworthiness rather than individual buyer credit and charge interest based on borrower risk profiles. The funds can be used for any business purpose, but the merchant bears repayment responsibility regardless of whether customers pay invoices.

Invoice-Specific Net Terms Platforms like Resolve Pay take a fundamentally different approach. Rather than lending against the business's general creditworthiness, these platforms advance cash against specific approved invoices and evaluate buyer creditworthiness. Resolve Pay's non-recourse model transfers covered buyer default risk on qualifying approved invoices to the platform, helping protect sellers from eligible nonpayment losses, subject to applicable financing terms.

Regional B2B Credit Solutions like Kriya combine embedded checkout financing with invoice finance and working capital products. Kriya is a UK-headquartered B2B credit and payments provider offering embedded PayLater, invoice finance, and working capital products. Following its acquisition by Allica Bank in October 2025, Kriya continues to operate under its own brand while supporting international PayLater activity across multiple countries.

The fundamental distinction lies in risk allocation: OnDeck places repayment risk on the merchant, while Resolve Pay assumes credit risk on qualifying approved invoices through its non-recourse structure.

Resolve Pay

Resolve Pay's Approach to B2B Net Terms Financing

Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer Net 30/60/90 payment terms to business buyers while receiving immediate cash and offloading credit risk and collections management. The platform combines net terms financing, AI-powered credit decisioning, and comprehensive AR automation in a single integrated solution.

The non-recourse financing model represents Resolve Pay's core differentiator:

• When a seller offers net terms through the platform, Resolve Pay can advance up to 100% on approved invoices, with funds available in as little as 24 hours
• Advance rates depend on the approved transaction and buyer
• On qualifying approved invoices, Resolve Pay assumes the default risk, meaning sellers keep the advance payment even if approved buyers fail to pay
• No personal guarantees required for eligible sellers

Credit Decisioning and Automation

Resolve Pay's proprietary AI credit engine evaluates buyer data including cash flow trends, payment history, and behavioral signals to generate dynamic credit decisions. Eligible transactions can receive real-time credit decisions, while applications requiring additional review may take several hours or up to 24 hours, depending on buyer information and underwriting requirements. This replaces manual trade reference calls and spreadsheet tracking with automated underwriting.

The AR automation platform handles invoice generation, payment reminders, reconciliation, and collections automatically. Resolve Pay automates core receivables workflows, while Trenchless Supply reported a 90% reduction in AR workload after adopting the platform. The agentic collections feature uses multi-channel automated sequences across email, SMS, and voice AI with intelligent escalation based on buyer response patterns.

Integration Capabilities

Native integrations support major ecommerce platforms including:

• Shopify, BigCommerce, WooCommerce, and Magento 2 for ecommerce
• QuickBooks Online, NetSuite, Xero, and Sage Intacct for accounting systems
• REST APIs with webhooks for custom implementations

Most teams launch within one week through pre-built connectors. The platform won the 2025 BigCommerce Innovative Integration Award.

When Resolve Pay Fits Best

Resolve Pay serves mid-market B2B sellers typically generating $1M+ in annual revenue across manufacturing, wholesale distribution, and supply industries. The platform works especially well for:

• HVAC parts distributors, electrical supplies, and plumbing wholesalers
• Industrial equipment manufacturers and building materials suppliers
• Medical device and pharmaceutical distributors
• Businesses wanting to offer competitive net terms without cash flow strain
• Teams seeking to reduce AR workload through automation
• Sellers needing protection against buyer credit defaults

OnDeck

OnDeck's Position in Small Business Lending

OnDeck operates as a traditional small business lender providing term loans and lines of credit since 2006. OnDeck focuses on general working capital needs rather than invoice-specific financing.

The platform evaluates the merchant's creditworthiness, not individual buyer credit, through an application process. Its website states that businesses can apply in minutes and, after approval, eligible borrowers may receive funding as soon as the same day. Approved funds are usable for any business purpose including inventory, equipment, payroll, or bridge financing.

OnDeck's lending products include:

• Term Loans: $5,000 to $400,000 with terms up to 24 months
• Lines of Credit: $6,000 to $200,000 with 12, 18, or 24-month terms

The platform maintains an A+ rating with the Better Business Bureau and reports payment activity to major credit bureaus, which can help businesses build credit through timely repayments.

OnDeck's Credit Requirements

All OnDeck financing requires repayment by the borrowing business, and OnDeck requires a personal guarantee for credit obtained through its services. Its term loans are also secured by a general lien on business assets.

How OnDeck Differs From Resolve Pay

OnDeck operates as a small business lender offering term loans and revolving lines of credit for general business purposes. Its model evaluates the borrowing business and creates a repayment obligation for that business.

Resolve Pay is structured around the seller's B2B credit-to-cash workflow, combining buyer credit decisioning, net terms financing, payments, AR automation, and collections. This makes the platforms relevant to different financing workflows. OnDeck does not provide net terms financing, AR automation, or protection against customer non-payment.

Kriya

Kriya's Focus on UK B2B Credit

Kriya is a UK-headquartered B2B credit and payments provider offering embedded PayLater, invoice finance, and working capital products. The platform has processed over $5 billion in B2B payments from buyers in more than 45 countries and holds status as Stripe's first official B2B PayLater partner in the UK.

In October 2025, Allica Bank completed its acquisition of Kriya, integrating the platform into UK banking infrastructure. This acquisition provides Kriya access to scalable funding through Allica's resources while supporting its broader embedded credit and international expansion plans.

Kriya offers several forms of business credit:

• B2B PayLater: 30, 45, or 60-day payment terms at checkout
• Invoice Finance: Up to 90% advance on approved invoices
• Working Capital Loans: General business financing for UK companies

Kriya's Geographic and Market Focus

Kriya's acquisition by Allica Bank strengthens its connection to UK business banking infrastructure while supporting its broader embedded credit and international expansion plans. The platform integrates with UK payment rails and banking infrastructure.

Integration options include:

• BigCommerce, WooCommerce, Magento, PrestaShop, and nopCommerce for ecommerce
• Xero for accounting
• Embedded PayLater API through Stripe's UK infrastructure

How Kriya Differs From Resolve Pay

Kriya combines embedded B2B PayLater, invoice finance, and business credit products, with a strong connection to the UK market through Allica Bank.

Resolve Pay focuses on helping B2B sellers manage net terms, buyer credit, receivables, payments, and non-recourse advances within one integrated credit-to-cash workflow. Resolve Pay serves US and Canadian B2B sellers with native integrations across ecommerce, ERP, and accounting systems.

Feature Comparison Across Platforms

Core Financing Model

Resolve Pay:

• Primary Model: Non-recourse invoice financing
• Who Gets Evaluated: Buyer creditworthiness
• Credit Risk: Platform assumes on approved invoices
• Personal Guarantee: Not required
• Geographic Focus: US and Canada

OnDeck:

• Primary Model: APR-based loans and lines of credit
• Who Gets Evaluated: Merchant creditworthiness
• Credit Risk: 100% merchant liability
• Personal Guarantee: Required
• Geographic Focus: United States

Kriya:

• Primary Model: B2B PayLater, invoice finance, working capital
• Who Gets Evaluated: Varies by product
• Credit Risk: Depends on product
• Personal Guarantee: Varies
• Geographic Focus: UK-based with international PayLater reach

Net Terms Capabilities

Resolve Pay enables sellers to offer Net 30, 60, and 90 terms while accessing advances on approved invoices, with funding available in as little as 24 hours. The platform handles the entire buyer relationship including credit approval, payment collection, and follow-up.

OnDeck does not offer net terms financing. The platform provides general working capital that merchants repay on fixed schedules regardless of customer payment timing.

Kriya offers 30, 45, and 60-day terms for UK merchants with up to 90% advance rates on invoice finance products. However, Kriya's terms and availability depend on UK market operation.

Credit Decisioning

Resolve Pay uses proprietary AI models to generate real-time credit decisions for eligible buyers. Credit assessments that require additional review are generally completed within 24 business hours.

OnDeck evaluates the borrowing business rather than individual trade buyers. Its current materials emphasize an application that can be completed in minutes and potential same-day funding after approval.

Kriya offers real-time credit decisions through its embedded PayLater solution, supporting eligible domestic and international B2B transactions. Its platform enables buyer qualification during checkout, with international PayLater availability across supported markets.

AR Automation and Collections

Resolve Pay provides comprehensive AR automation including:

• Automated invoice generation synced from ERP and accounting systems
• Smart payment reconciliation using ML to match invoice-to-cash
• Real-time AR dashboard showing DSO, aging, and portfolio health
• Agentic collections with multi-channel sequences across email, SMS, and voice AI
• Automated payment reminders with intelligent escalation

OnDeck does not provide AR automation features. The platform focuses solely on capital provision without receivables management tools.

Kriya includes some collections management where the platform handles buyer follow-up on financed invoices, but does not offer the same comprehensive AR automation suite as Resolve Pay.

Integration Ecosystem

Resolve Pay offers native integrations with:

• Ecommerce: Shopify, BigCommerce, WooCommerce, Magento 2
• Accounting and ERP: QuickBooks Online, NetSuite, Xero, Sage Intacct
• API: REST APIs with webhooks and sandbox for custom implementations

The platform won the 2025 BigCommerce Innovative Integration Award.

OnDeck provides minimal integration capabilities with basic QuickBooks connectivity but no native ecommerce platform integrations.

Kriya integrates with BigCommerce, WooCommerce, Magento, PrestaShop, and nopCommerce for ecommerce, plus Xero for accounting. The platform also partners with Stripe for UK PayLater checkout integration.

Real Business Results with Resolve Pay

Customer outcomes demonstrate the pipeline and efficiency impact of Resolve Pay's approach for B2B sellers:

Revenue Growth

• SS&SI Dealer Network: Achieved 5x revenue growth after implementing Resolve Pay's net terms platform
• Archipelago Lighting: Tripled revenue while reducing net terms approval time from 10 days to 24 hours and offering 20x higher credit lines
• ConEquip: Reported 30% year-over-year growth after adopting the platform

Cash Flow Improvement

• Elston Materials: Increased margins from 25% to 30%, a 5-point improvement through better cash flow management
• Cash Flow Acceleration: Resolve Pay can shorten the time between invoicing and access to cash by advancing funds on approved invoices, with funding available in as little as 24 hours

Operational Efficiency

• Trenchless Supply: Reduced AR workload by 90% with credit approvals in under 24 hours
• TrueCable: Achieved response times under 24 hours on credit approvals
• Shields Childcare Supplies: Won new business by offering Net 90 terms they couldn't extend independently

Why Resolve Pay Fits B2B Sellers

Resolve Pay is built for manufacturers, distributors, wholesalers, and other B2B sellers that want to extend payment terms without forcing their own cash flow to follow the buyer's payment schedule. The Small Business Administration highlights cash flow management as a significant challenge for businesses, particularly when payments to suppliers come due before customers settle their invoices.

Its integrated approach brings together:

• Non-recourse advances on qualifying approved invoices, protecting sellers from buyer defaults
• AI-powered buyer credit decisioning with real-time decisions for eligible transactions
• Accounts receivable automation that reduces manual AR work significantly
• Automated collections workflows using multi-channel sequences and intelligent escalation
• Ecommerce, ERP, and accounting integrations with major platforms including Shopify, BigCommerce, NetSuite, and QuickBooks
• A branded buyer payment experience that maintains seller relationships

For B2B sellers seeking to connect credit, net terms, payments, receivables, and collections within one workflow, Resolve Pay provides a supplier-focused platform designed around the complete credit-to-cash process.

Making the Transition to Resolve Pay

Resolve Pay's implementation makes switching straightforward for B2B sellers:

• Timeline: Most teams launch within one week through pre-built integrations
• Connected workflows: Resolve Pay integrates with major ecommerce, ERP, and accounting systems to synchronize relevant transaction and receivables data
• Flexible implementation: Pre-built integrations and REST APIs support different implementation requirements
• Support: Dedicated implementation support ensures smooth onboarding

The platform's integrations support connections with major ecommerce, ERP, and accounting systems, while REST APIs are available for businesses that require custom implementations.

Frequently Asked Questions

How Does Resolve Pay Help B2B Sellers Offer Net Terms?

Resolve Pay lets eligible B2B sellers offer flexible payment terms while accessing advances on approved invoices. Resolve Pay manages buyer credit decisioning and can also support payment, receivables, and collections workflows.

How Does Resolve Pay's Non-Recourse Financing Work?

Resolve Pay's cash advances are non-recourse on qualifying approved invoices. This means sellers keep the amount advanced when covered buyer default occurs, subject to the applicable program terms.

How Quickly Can Resolve Pay Fund Approved Invoices?

Resolve Pay can advance up to 100% on approved net terms invoices, with funding available in as little as 24 hours. The applicable advance rate depends on the approved transaction and buyer.

How Does Resolve Pay Evaluate Business Buyers?

Resolve Pay uses proprietary AI models, behavioral signals, and credit expertise to assess business buyers. Eligible transactions can receive real-time decisions, while additional credit assessments are generally completed within 24 business hours.

What Systems Does Resolve Pay Integrate With?

Resolve Pay supports integrations with ecommerce, ERP, and accounting systems including Shopify, BigCommerce, WooCommerce, Magento 2, QuickBooks Online, NetSuite, Xero, and Sage Intacct. It also provides REST APIs for custom implementations.

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.