Selecting the right B2B financing and payments solution can fundamentally shape your company's cash flow, operational efficiency, and growth trajectory. While Payability focuses on accelerating marketplace payouts for Amazon sellers and Billie provides B2B checkout financing in supported European markets, Resolve Pay delivers a comprehensive net terms platform that combines non-recourse financing, AI-powered credit decisioning, and full accounts receivable automation for North American manufacturers, distributors, and wholesalers. Understanding these fundamental differences helps B2B sellers identify which approach aligns with their operational model, customer base, and expansion goals.
The B2B financing landscape encompasses distinct solution categories, each addressing different operational challenges and business models. Understanding where each platform fits helps revenue and finance leaders make informed decisions about their payment infrastructure.
These three approaches serve fundamentally different use cases:
The distinction matters because selecting the wrong category creates operational misalignment. A North American HVAC parts distributor extending net terms to contractors needs AR automation and credit risk protection, not marketplace payout acceleration or checkout financing limited to specific geographic markets.
Cash flow timing represents the core challenge for B2B sellers offering payment terms. When customers pay in 30, 60, or 90 days, sellers must bridge the gap between delivering goods and receiving payment.
The non-recourse protection fundamentally changes the risk equation for sellers. Traditional factoring often operates on a recourse basis, meaning sellers remain liable if customers fail to pay. Resolve Pay's model transfers that risk, enabling sellers to offer competitive terms without exposing their balance sheets to customer credit events.
For North American B2B sellers extending net terms to business customers, Resolve Pay's combination of high advance rates and complete risk transfer provides comprehensive cash flow support.
Traditional business loans require lengthy approval processes, often demand personal guarantees, and create fixed repayment obligations regardless of actual sales performance. Modern B2B financing solutions address working capital needs through transaction-based approaches that align with business operations.
Resolve Pay's AI Credit Engine evaluates buyer creditworthiness using proprietary models that analyze business data points beyond traditional credit bureau information. This enables real-time credit decisions that would take weeks through manual underwriting processes.
The dynamic credit line approach means approved buyers receive credit limits that adjust based on payment history and relationship performance. This flexibility supports growing business relationships without requiring repeated credit applications or manual reviews.
Key working capital benefits through Resolve Pay include:
For comparison:
Accounts receivable management consumes significant operational resources for B2B sellers. Invoice generation, payment tracking, reconciliation, and collections follow-up require dedicated staff time that scales with transaction volume.
Accounts receivable workflows remain a significant operational burden for mid-market businesses. Resolve Pay's AR Automation Platform addresses the complete invoice-to-cash workflow:
The agentic collections capability represents a significant advancement over traditional reminder emails. Resolve Pay's multi-channel approach includes email, SMS, and voice AI outbound calls with intelligent escalation based on buyer response patterns and payment history. The system pauses automatically when payment or dispute information arrives, maintaining professional customer relationships while reducing DSO.
Customer results demonstrate the operational impact. Trenchless Supply reported a 90% reduction in AR workload with credit approvals under 24 hours. This efficiency gain enables finance teams to focus on strategic activities rather than routine collection tasks.
For comparison:
Credit decisioning speed and accuracy directly impact sales conversion and customer experience. Manual credit processes create delays that lose deals, while overly conservative algorithms reject creditworthy customers.
Resolve Pay's proprietary AI Credit Engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals. The system delivers real-time credit decisions with response times under 24 hours and instant approvals for certain transaction types.
Critical features of Resolve Pay's credit approach include:
Archipelago Lighting exemplifies the credit decisioning impact, reducing net terms approval time from 10 days to 24 hours while offering 20x higher credit lines than previously possible.
For comparison:
Buy Now Pay Later functionality has expanded from consumer retail into B2B commerce, enabling sellers to offer flexible payment terms that drive larger orders and repeat purchases.
Research from the U.S. Census Bureau on B2B e-commerce shows that flexible payment terms increasingly influence B2B purchasing decisions. Resolve Pay's Net Terms/B2B BNPL capability enables sellers to offer Net 30, 60, or 90 day terms to approved buyers while receiving payment within 1-2 business days. The white-labeled experience maintains the seller's brand throughout the buyer journey, from credit application to payment portal.
The B2B Payment Portal provides buyers with a branded dashboard showing all invoices, credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check, with flexible payment plans and dispute flagging available through self-service.
Net terms unlock larger cart sizes and repeat orders for B2B sellers. Shields Childcare Supplies reported winning new business by offering Net 90 terms they could not extend independently before using Resolve Pay.
For comparison:
For North American B2B sellers seeking to offer payment terms while protecting cash flow, Resolve Pay provides comprehensive BNPL functionality with integrated AR automation and collections.
Each platform serves distinct customer profiles based on business model, geographic location, and operational requirements.
Resolve Pay targets mid-market B2B sellers, typically with $1M+ annual revenue, in manufacturing, wholesale distribution, and supply industries across North America. Primary customer segments include:
The platform's 15,000+ active merchant base demonstrates traction across these verticals, with case studies from companies like ConEquip achieving 30% year-over-year growth and SS&SI Dealer Network reaching 5x revenue growth.
Payability serves marketplace sellers, particularly those operating on Amazon and similar ecommerce platforms. The platform addresses payout timing challenges specific to marketplace economics rather than B2B invoicing scenarios.
Billie focuses on B2B payments for buyers in supported European markets. Through selected payment and checkout partners, merchants outside Europe may also offer Billie when selling to eligible buyers in those supported markets.
Resolve Pay combines credit decisioning, net terms, accounts receivable automation, payment workflows, and collections within one B2B platform. This structure helps manufacturers, distributors, wholesalers, and other B2B sellers manage the full credit-to-cash process without relying on disconnected systems.
Key operational benefits include:
Technology architecture decisions affect long-term operational efficiency and the ability to scale payment operations.
This integration depth enables two-way sync for invoice and payment data, eliminating manual data entry and ensuring real-time visibility across systems. Most teams launch in under one week due to streamlined implementation processes.
The integrated platform approach reduces total cost of ownership by eliminating tool sprawl, vendor management overhead, and data synchronization challenges inherent in point solution architectures.
Platform selection involves evaluating credibility through user feedback, industry recognition, and leadership background.
The company's origins as a spinout from Affirm, with leadership from Affirm, Amazon, and PayPal, provides deep expertise in consumer BNPL adapted for B2B commerce. Resolve announced $60 million in combined equity and asset financing in 2021, supporting the company's continued development in B2B payments and net terms.
Customer outcomes demonstrate Resolve Pay's impact across industries. Elston Materials increased margins from 25% to 30% through improved cash flow management, while RentAll Construction reported quicker receivables directly contributing to healthier cash flow management.
For manufacturers, distributors, wholesalers, and other B2B sellers managing invoice-based sales, Resolve Pay brings several workflows together in one platform. B2B net terms and approved invoice advances, AI-supported buyer credit decisions, accounts receivable automation, non-recourse protection on approved transactions, ERP and ecommerce integrations, and branded B2B payment workflows all connect within the same system.
This combination makes Resolve Pay particularly relevant for businesses that want to extend payment terms while improving cash flow predictability and reducing manual receivables work. The platform's focus on North American B2B commerce, combined with its comprehensive feature set, addresses the operational challenges specific to businesses selling on invoice-based terms.
Resolve Pay provides 100% non-recourse financing, meaning the platform assumes default risk on approved invoices. Traditional factoring often operates on a recourse basis where sellers remain liable for customer non-payment. Additionally, Resolve Pay includes comprehensive AR automation while factoring companies typically only purchase invoices without providing workflow automation.
The AI Credit Engine evaluates thousands of buyer data points to deliver credit decisions in under 24 hours, replacing manual underwriting processes that typically take weeks. Quiet credit checks protect buyer relationships, and dynamic credit lines adjust based on payment history, enabling you to extend competitive terms while managing risk.
Yes, Resolve Pay offers native integrations with Shopify, BigCommerce, Magento, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. Two-way sync capabilities ensure invoice and payment data flows automatically between systems, eliminating manual entry and reconciliation work.
Resolve Pay's agentic collections system uses multi-channel automated sequences including email, SMS, and voice AI with intelligent escalation based on buyer response patterns. The system maintains professional communication that preserves customer relationships while reducing DSO. Sequences pause automatically when payment or dispute information arrives.
Resolve Pay is designed for invoice-based B2B sales where businesses want to offer net terms while improving cash flow and streamlining accounts receivable. Its credit decisioning, approved invoice advances, payment workflows, AR automation, and collections capabilities can support direct B2B operations alongside a company's other sales channels.
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.