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.
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 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:
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.
Native integrations support major ecommerce platforms including:
Most teams launch within one week through pre-built connectors. The platform won the 2025 BigCommerce Innovative Integration Award.
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:
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:
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.
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.
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 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:
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:
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.
Resolve Pay:
OnDeck:
Kriya:
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.
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.
Resolve Pay provides comprehensive AR automation including:
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.
Resolve Pay offers native integrations with:
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.
Customer outcomes demonstrate the pipeline and efficiency impact of Resolve Pay's approach for 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:
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.
Resolve Pay's implementation makes switching straightforward for B2B sellers:
The platform's integrations support connections with major ecommerce, ERP, and accounting systems, while REST APIs are available for businesses that require custom implementations.
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.
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.
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.
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.
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.