Selecting the right B2B financial platform depends on understanding a critical distinction: are you trying to collect money from customers, borrow capital for operations, or pay your suppliers? While OnDeck provides business term loans and Settle focuses on accounts payable automation, Resolve Pay delivers net terms financing combined with AR automation that transforms how mid-market B2B sellers manage receivables. Understanding these fundamental workflow differences helps manufacturers, distributors, and wholesalers select the solution that matches their specific cash flow challenges and growth objectives.
The B2B financial technology market encompasses three distinct categories that serve different operational needs. Understanding these fundamental differences prevents costly misalignment between platform capabilities and business requirements.
Accounts Receivable Platforms like Resolve Pay enable sellers to offer net payment terms (Net 30/60/90) to business buyers while receiving immediate cash and reducing credit risk exposure. These solutions address the seller's challenge of waiting 30 to 90 days for customer payments while still needing working capital to operate.
Business Lending Platforms like OnDeck provide general working capital through term loans and lines of credit. These solutions address broader capital needs unrelated to specific customer invoices, such as equipment purchases, inventory investment, or operational expenses. This capital creates repayment obligations and typically requires personal guarantees.
Accounts Payable Platforms like Settle help buyers manage their outgoing payments to suppliers. These solutions focus on the opposite side of the transaction, helping companies pay their vendors more efficiently rather than collect from their customers.
The critical distinction for B2B sellers is workflow: Resolve Pay combines net terms financing with seller-side accounts receivable management and assumes applicable covered default risk on eligible approved transactions, while OnDeck provides business lending and Settle focuses on buyer-side procurement and accounts payable.
Resolve Pay operates as a comprehensive B2B payments platform that enables manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash. Rather than providing a traditional business loan, Resolve Pay can advance up to 90% of eligible approved invoice value, with certain arrangements offering up to 100%. Funding may be available within 24 hours, although approved advances typically reach sellers within 1–2 business days.
The non-recourse financing model represents an important part of Resolve Pay's approach. For eligible approved transactions, sellers keep their advance if a covered buyer defaults, shifting the applicable covered default risk away from the seller. This differs from business lending and from recourse factoring arrangements, where repayment or repurchase obligations may remain with the business.
The platform combines financing with complete accounts receivable automation:
Integration depth spans major platforms including Oracle NetSuite, QuickBooks Online, Xero, Sage Intacct, Shopify, BigCommerce, Magento 2, and WooCommerce. The two-way sync ensures invoice and payment data flows automatically between systems.
Resolve Pay uses competitive, risk-based pricing tied to transaction volume and term length rather than traditional loan interest. The transaction-based approach means costs scale with actual usage rather than creating fixed obligations regardless of business activity.
Resolve Pay serves B2B sellers who need to:
The platform specifically targets mid-market companies in manufacturing, wholesale distribution, HVAC parts, electrical supplies, medical devices, construction materials, and similar B2B product industries.
OnDeck operates as a business lender offering term loans and lines of credit to small businesses. The company states that it has funded more than 185,000 businesses since 2006, serving companies seeking working capital for a range of operating needs.
The product suite includes:
OnDeck's underwriting considers factors beyond traditional credit scores, using algorithms to evaluate business performance and cash flow patterns.
OnDeck offers business term loans and lines of credit for working capital needs. Repayment terms and payment frequency depend on the financing product and agreement. OnDeck also requires a personal guarantee for credit obtained through its platform.
This lending model serves businesses seeking general-purpose working capital rather than seller-side accounts receivable financing.
OnDeck focuses on general-purpose business lending through term loans and lines of credit. Its products can support needs such as inventory purchases, equipment, operating expenses, and other working capital requirements.
Resolve Pay is designed around the seller-side credit-to-cash workflow. For B2B sellers managing customer invoices and payment terms, Resolve Pay brings together buyer credit decisioning, net terms financing, invoicing, reconciliation, and collections within the receivables process. Resolve Pay's non-recourse model helps reduce bad-debt exposure on eligible approved transactions, while OnDeck's lending products create repayment obligations regardless of customer payment outcomes.
Settle positions itself as an accounts payable automation platform serving CPG and ecommerce brands. Rather than helping sellers collect from customers, Settle helps buyers manage payments to their suppliers.
The platform includes:
Settle focuses on procurement, accounts payable, vendor payments, and working capital for growing brands. Its current accounting workflow supports syncing operational data with systems including QuickBooks, NetSuite, Xero, and Finaloop.
Settle focuses on the buyer-side procure-to-pay workflow, including procurement, accounts payable, vendor payments, and working capital for inventory and purchase orders.
Resolve Pay focuses on seller-side accounts receivable. Manufacturers, distributors, wholesalers, and other B2B sellers can use Resolve Pay to offer customer payment terms while managing credit, financing eligible invoices, and automating receivables workflows.
Invoice financing and factoring can be structured on either a recourse or non-recourse basis. Under recourse arrangements, sellers may remain responsible if customers fail to pay, while non-recourse structures can shift specified credit risks to the financing provider subject to the agreement's coverage and exclusions.
Resolve Pay provides non-recourse financing on eligible approved transactions, helping sellers reduce covered customer-default exposure while offering net terms. When Resolve Pay approves a buyer through its credit check process, the seller keeps the applicable advance even if that covered approved buyer defaults on an eligible invoice.
This distinction matters most for growing B2B businesses extending terms to new customers. Research indicates that extending payment terms remains a competitive necessity in B2B commerce, making credit risk management a critical operational concern.
Manual credit evaluation and AR management consume significant staff time for B2B sellers. Traditional processes involve calling trade references, reviewing financial statements, tracking payments in spreadsheets, and reconciling incoming payments against outstanding invoices.
Resolve Pay automates credit evaluation through its AI Credit Engine that evaluates thousands of buyer data points in real time, including cash flow trends, payment history, and behavioral signals. Credit decisions arrive in under 24 hours, with instant approvals available for qualifying purchases.
OnDeck focuses on evaluating the borrowing business itself rather than their customers, using proprietary algorithms to assess the loan applicant's creditworthiness and repayment ability.
Settle evaluates working capital applications for inventory and procurement financing from the buyer's perspective.
Resolve Pay automates ongoing receivables management beyond credit decisioning:
Customer results demonstrate the impact: Trenchless Supply reduced AR workload by 90% while achieving credit approvals in under 24 hours. Archipelago Lighting reduced net terms approval time from 10 days to 24 hours while tripling revenue.
The agentic collections system handles payment follow-up through intelligent multi-channel sequences including email, SMS, and voice AI with automatic escalation based on buyer response patterns. Unlike some collection approaches, Resolve Pay's system maintains professional tone throughout while logging all interactions to the invoice record.
The buyer experience matters for B2B sellers concerned about maintaining brand relationships. Resolve Pay provides a white-labeled payment portal that maintains seller brand identity throughout the buyer journey, including branded dashboards, credit line visibility, multiple payment options (ACH, wire, credit card, check), and mobile-responsive checkout.
For ecommerce sellers, Resolve Pay's embedded checkout integrations enable Net 30/60/90 selection directly during online purchase through native connections with Shopify, BigCommerce, Magento, and WooCommerce.
OnDeck focuses on lending to the business itself rather than facilitating customer payment experiences. Settle provides buyer-facing interfaces for procurement and vendor payment workflows.
Integration depth and implementation timeline significantly impact time-to-value for any B2B financial platform.
Resolve Pay offers comprehensive integrations for B2B sellers:
ERP and Accounting:
Ecommerce Platforms:
Technical Capabilities:
Resolve Pay states that businesses can typically get set up within days, although implementation timing depends on the systems, integration requirements, and workflow complexity involved.
OnDeck provides limited integration capabilities, focusing on lending application and funding rather than operational workflow automation.
Settle offers integrations aligned with procurement and accounts payable workflows, including connections with QuickBooks, NetSuite, Xero, and Finaloop for accounting and reporting. Resolve Pay's integrations are designed around seller-side credit, invoicing, payments, reconciliation, and accounts receivable workflows.
For manufacturers, distributors, and wholesalers seeking to improve cash flow while offering competitive payment terms, Resolve Pay brings credit decisioning, net terms financing, AR automation, and collections together in a seller-focused platform.
Key differentiators include:
Built by former executives from Affirm, Amazon, and PayPal, Resolve Pay maintains SOC 2 Type II certification and has served 15,000+ businesses on the platform. The 2025 BigCommerce Innovative Integration Award recognizes the platform's technical excellence and merchant value for B2B ecommerce sellers.
For businesses managing net payment terms and customer receivables, Resolve Pay addresses the seller-side credit-to-cash workflow while OnDeck and Settle serve different financial needs entirely.
These platforms serve completely different B2B financial workflows. Resolve Pay helps sellers collect from customers through net terms financing and AR automation. OnDeck provides business term loans for general working capital needs. Settle helps buyers pay their suppliers through accounts payable automation. For B2B sellers offering payment terms and managing receivables, these represent distinct workflow solutions.
Resolve Pay's non-recourse model means sellers keep approved advances if covered buyers default on eligible approved invoices. When a covered approved buyer defaults, the seller keeps the applicable advance rather than taking on a repayment obligation for that covered default. This structure helps B2B sellers extend payment terms while managing customer credit exposure on approved transactions.
Yes, Resolve Pay provides native integrations with major ERP and accounting systems including Oracle NetSuite, QuickBooks Online, Xero, and Sage Intacct. Ecommerce integrations cover Shopify, BigCommerce, Magento 2, and WooCommerce. The two-way sync ensures invoice and payment data flows automatically between systems, eliminating manual data entry.
Resolve Pay can advance up to 90% of approved invoice value within 24 hours. Once an approved customer's invoice is submitted, the advance is deposited directly to the seller's account. Credit decisions arrive in under 24 hours, with instant approvals available for qualifying purchases, transforming extended payment cycles into faster cash flow.
Resolve Pay serves B2B sellers in manufacturing, wholesale distribution, and supply industries managing customer receivables and payment terms. OnDeck serves businesses needing general working capital for equipment, inventory, or operational expenses. Settle serves CPG and ecommerce brands managing supplier payments and procurement workflows. Each addresses distinct financial operations.
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.