Sep 23, 2026
Selecting the right B2B financing solution can determine whether your business thrives with healthy cash flow or struggles with working capital constraints. While FundThrough offers invoice factoring and Payability provides marketplace payout acceleration, Resolve Pay delivers a comprehensive platform combining non-recourse net terms financing, AR automation, and AI-powered credit decisions in one integrated solution.
Understanding these fundamental differences helps manufacturers, distributors, and wholesalers select the approach that matches their operational needs, risk tolerance, and growth objectives. Each platform serves distinct business models, with Resolve Pay purpose-built for B2B suppliers who want to offer net terms while automating accounts receivable operations and transferring covered buyer credit risk.
Key Takeaways
- Resolve Pay provides non-recourse advances on eligible approved invoices, protecting sellers from covered buyer credit risk, while FundThrough's factoring arrangements can require the seller to address unpaid invoices under applicable recourse terms
- Resolve Pay combines net terms financing, AR automation, credit underwriting, and collections management in a single platform
- Over 15,000 businesses actively use Resolve Pay, with the platform achieving a 5.0/5.0 rating on G2 for customer satisfaction
- Resolve Pay offers a company-branded customer portal that maintains your brand throughout the buyer experience
- Payability focuses on marketplace sellers, particularly Amazon and Walmart sellers, with accelerated access to marketplace sales proceeds
- Resolve Pay's AI-driven credit decisioning can provide decisions instantly or within one business day, depending on the buyer and verification requirements
Understanding Invoice Factoring and Invoice Financing for Small Businesses
Invoice factoring and invoice financing represent two related but distinct approaches to converting accounts receivable into immediate working capital. According to the U.S. Small Business Administration, improving cash flow management is critical for small business survival, and both methods help B2B companies bridge the gap between delivering goods or services and receiving payment.
- Invoice factoring involves selling your outstanding invoices to a third party (the factor) at a discount. The factor then collects payment directly from your customers. This approach typically requires notifying customers that their invoices have been assigned to a third party.
- Invoice financing (also called accounts receivable financing) uses unpaid invoices as collateral for a loan or line of credit. You retain ownership of the invoices and continue managing customer relationships directly.
Key Considerations for B2B Companies
When evaluating invoice funding options, several factors determine which approach fits your business:
- Risk allocation: Who bears the loss if a customer fails to pay?
- Customer notification: Will your buyers know you're using third-party financing?
- Advance rates: What percentage of invoice value do you receive upfront?
- Fee structure: How are costs calculated and applied?
- Operational requirements: What systems and processes does the solution integrate with?
The distinction between recourse and non-recourse financing proves particularly important. With recourse arrangements, you remain liable if customers default. Non-recourse solutions transfer covered credit risk to the financing provider, protecting your business from losses on eligible approved invoices.
How Resolve Pay Stands Apart with Non-Recourse Financing and AR Automation
Resolve Pay emerged from Affirm's B2B work, and its team brings experience across companies including Affirm, PayPal, and Amazon. The platform combines several capabilities that traditionally required multiple vendors into one integrated solution.
100% Non-Recourse Protection on Eligible Invoices
The most significant differentiator is Resolve Pay's non-recourse financing model. When Resolve Pay approves a buyer for net terms, they provide non-recourse protection for covered credit risk on eligible approved invoices. If an approved customer fails to pay on an eligible transaction, Resolve Pay absorbs the loss rather than pursuing the seller.
This protection fundamentally changes the risk calculus for offering net terms. Sellers can offer Net 30, 60, or 90 terms while Resolve Pay provides non-recourse protection for covered credit risk on eligible approved invoices.
Integrated AR Automation Platform
Beyond financing, Resolve Pay provides a complete accounts receivable automation platform that handles:
- Invoice generation: Automated creation synced from ERP and accounting systems
- Payment reconciliation: ML-powered matching that connects invoices to incoming payments
- Collections management: Systematic follow-up sequences that preserve customer relationships
- Real-time dashboards: DSO tracking, aging reports, and portfolio health metrics
- Bookkeeping sync: Two-way integration with QuickBooks, Xero, Sage Intacct, and NetSuite
Customer testimonials consistently highlight the operational impact. One supplier reported that work required from their end decreased by at least 90% after implementing Resolve Pay's automation.
White-Label Customer Experience
The branded payment portal keeps the seller's company identity prominent while giving buyers access to supported invoice and payment workflows. The white-labeled payment portal lets customers see your branding, pay your company, and interact with what appears to be your payment system.
This matters because B2B relationships are built on trust. Research from the Federal Reserve indicates that payment experience significantly impacts buyer satisfaction in commercial transactions.
Comparing Funding Options: Immediate Cash Flow for B2B Sellers
Each platform takes a different approach to providing working capital, with significant implications for speed, advance rates, and operational fit.
Resolve Pay
Resolve Pay advances up to 90% of invoice value within 1 to 2 business days. The remaining balance is released when the buyer completes payment.
Key advantages:
- Non-recourse protection for covered credit risk on eligible approved invoices
- Company-branded buyer payment experience
- Flexible net terms (15, 30, 60, or 90 days)
- Integrated AR automation included
- No disclosed minimum requirements
FundThrough
FundThrough provides invoice factoring for B2B companies with eligible issued invoices. Funding typically arrives within 24 hours after approval. The platform operates on a recourse model, meaning sellers remain responsible if customers fail to pay.
Characteristics to consider:
- Pricing and eligibility depend on the invoice, customer, and applicable FundThrough program
- Funding eligibility is subject to FundThrough's current qualification requirements
- Notice of Assignment sent to customers
- No long-term contracts after first funding
- QuickBooks, Xero, and OpenInvoice integrations
Payability
Payability serves a fundamentally different market: e-commerce marketplace sellers, particularly businesses selling through Amazon and Walmart. Rather than factoring B2B invoices, the platform provides accelerated access to eligible marketplace sales proceeds for supported sellers.
Key characteristics:
- Designed for marketplace sellers, not B2B invoice financing
- Approval based on sales history
- Daily payout acceleration model
- Global payments to 180 countries
How the Financing Models Differ
The platforms address different financial workflows:
- B2B manufacturers and distributors
Resolve Pay: Net terms, non-recourse advances on eligible invoices, AR automation, and a branded buyer experience - B2B companies funding issued invoices
FundThrough: Invoice factoring against eligible receivables - Amazon and Walmart marketplace sellers
Payability: Marketplace payout acceleration
Beyond Factoring: AI-Powered Credit Decisions and Collections Automation
Traditional trade credit management requires significant manual effort: calling trade references, reviewing financial statements, and making subjective credit decisions. Resolve Pay's technology automates these processes while adding intelligence that human analysts cannot match at scale.
AI Credit Engine
Resolve Pay's proprietary credit engine evaluates thousands of buyer data points including:
- Cash flow trends and payment velocity
- Historical payment behavior
- Company behavioral signals
- Industry risk factors
- Real-time financial indicators
The system can provide credit decisions instantly or within one business day, depending on the buyer and verification requirements. Some eligible purchases may also qualify for instant approval.
Importantly, Resolve Pay conducts "quiet" credit checks that don't impact buyer credit scores or alert them to the evaluation. This preserves the natural sales process while providing the seller with essential risk information.
Dynamic Credit Lines
Unlike static credit limits that remain fixed until manual review, Resolve Pay's credit lines adjust based on payment history. Buyers who consistently pay on time may see their available credit increase automatically, while those showing warning signs face appropriate restrictions.
Agentic Collections
Resolve Pay's agentic collections system automates the follow-up process through multiple channels:
- Email sequences: Automated reminders timed to payment due dates
- SMS notifications: Text-based touchpoints for mobile-responsive communication
- Voice AI: Automated outbound calls with intelligent conversation handling
- Escalation logic: Automatic routing based on buyer response patterns
The system pauses automatically when payments or disputes are received, preventing the awkward situation of dunning customers who have already paid. All interactions are logged to the invoice record, creating a complete audit trail.
Target Industries and Market Fit: Who Benefits Most from Each Platform?
Understanding each platform's ideal customer profile helps determine which solution aligns with your business model.
Resolve Pay: Mid-Market B2B Suppliers
Resolve Pay specifically targets mid-market B2B sellers, typically those with $1 million or more in annual revenue, across manufacturing, wholesale distribution, and supply industries. The platform serves:
- HVAC parts distributors
- Electrical and plumbing supplies companies
- Industrial fasteners and hardware distributors
- Janitorial and sanitation supplies businesses
- Safety equipment and PPE distributors
- Building materials suppliers
- Machinery and equipment manufacturers
- Medical device and pharmaceutical distributors
- Laboratory and scientific supplies companies
Real Customer Outcomes
Resolve Pay's customer results demonstrate measurable business impact:
- SS&SI Dealer Network achieved 5x revenue growth
- ConEquip reported 30% year-over-year growth
- Archipelago Lighting tripled revenue and reduced net terms approval time from 10 days to 24 hours
- Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours
- Elston Materials increased margins from 25% to 30%
FundThrough: B2B Companies with Existing Invoices
FundThrough provides invoice factoring for B2B companies with eligible issued invoices. Its model allows businesses to select invoices for funding, subject to current eligibility and program requirements. FundThrough's eligibility requirements and available funding amounts depend on the business, customer, invoice, and applicable program.
Payability: E-Commerce Marketplace Sellers
Payability primarily serves online marketplace sellers, including businesses selling through Amazon and Walmart. If your business involves traditional B2B invoicing with net terms, Payability is not designed for your use case.
Integrating for Efficiency: ERP, E-commerce, and Payment Portal Capabilities
Integration capabilities determine how smoothly a financing solution fits into existing business operations.
Resolve Pay Integration Ecosystem
Resolve Pay supports integrations across accounting, ERP, and ecommerce systems:
Accounting and ERP Systems:
- QuickBooks Online
- Xero
- Sage Intacct
- Oracle NetSuite
E-commerce Platforms:
- Shopify
- BigCommerce (2025 Innovative Integration Award winner)
- Magento 2
- WooCommerce
Technical Capabilities:
- REST API with webhooks and sandbox environment
- Two-way data sync for invoice and payment information
- Implementation timing depends on the seller's systems, workflow, and integration requirements
The e-commerce integrations enable embedded checkout experiences where net terms appear as a payment option during the buying process.
FundThrough Integrations
FundThrough connects with:
- QuickBooks
- Xero
- OpenInvoice (specialized for oil and gas)
- Sage
- Oracle NetSuite
The platform focuses on accounting software connections rather than e-commerce, reflecting its invoice factoring model where invoices have already been issued.
Payability Integrations
Payability connects with supported marketplace accounts, including:
- Amazon
- Walmart
These connections enable automated tracking of marketplace sales and earnings, but the integration approach differs fundamentally from B2B invoice financing platforms.
Evaluating Trust and Compliance: Security, Experience, and Industry Recognition
When entrusting financial operations to a third party, security credentials, leadership experience, and industry recognition provide important signals about platform reliability.
Resolve Pay Credentials
Security:
- SOC 2 Type II attested
Leadership Background:
- Founded as a spinout from Affirm
- Team experience spans companies including Affirm, PayPal, and Amazon
- $85M+ raised from Insight Partners and other leading investors
Industry Recognition:
- 2025 BigCommerce Innovative Integration Award winner
- Will Reed Top 100 Class of 2023 (workplace culture)
- 5.0/5.0 rating on G2 with consistent praise for customer service
Customer Trust:
- 15,000+ businesses actively using the platform
- Established customer base including ConEquip, Trenchless Supply, SS&SI, Archipelago Lighting, and DocShop Pro
Resolve Pay's SOC 2 Type II attestation, experienced team, customer base, and industry recognition provide relevant signals for B2B businesses evaluating the platform.
Other Platform Models
FundThrough provides invoice factoring against eligible B2B receivables, while Payability focuses on accelerating marketplace payouts for supported ecommerce sellers. These workflows differ from Resolve Pay's focus on combining B2B net terms, credit decisioning, payments, and AR automation.
Why Resolve Pay Fits B2B Suppliers
FundThrough, Payability, and Resolve Pay address different financial workflows. Resolve Pay is designed for B2B manufacturers, distributors, wholesalers, and other sellers that want to combine net terms with accounts receivable operations in one platform.
Resolve Pay brings together:
- Non-recourse protection for covered credit risk on eligible approved invoices
- Flexible net terms that give qualified business buyers more time to pay
- AR automation for invoicing, reconciliation, reminders, and collections workflows
- A branded buyer experience with multiple payment methods
- Integrated credit and payments workflows across ecommerce, ERP, and accounting systems
For B2B suppliers that want to offer net terms while improving cash-flow predictability and reducing manual AR work, Resolve Pay combines non-recourse financing, AR automation, AI-supported credit decisioning, payments, and collections in one integrated platform.
Frequently Asked Questions
What is the primary difference between Resolve Pay, Payability, and FundThrough?
Resolve Pay provides non-recourse net terms financing combined with AR automation for B2B suppliers. FundThrough offers invoice factoring where sellers may retain responsibility under applicable recourse terms if customers default. Payability focuses on accelerating marketplace payouts for sellers such as Amazon and Walmart merchants, rather than traditional B2B invoice financing. The fundamental distinction lies in risk allocation and business model fit.
How does non-recourse financing benefit my B2B business?
Non-recourse financing can protect sellers from covered credit risk on eligible approved transactions. When Resolve Pay approves an eligible invoice under its non-recourse program, the seller receives the applicable protection subject to Resolve Pay's underwriting and program terms. This protection enables businesses to offer competitive payment terms while reducing exposure to losses on approved eligible invoices.
Can these platforms integrate with my existing ERP or e-commerce system?
Resolve Pay supports integrations and integration workflows across systems including QuickBooks Online, Xero, Sage Intacct, NetSuite, Shopify, BigCommerce, Magento 2, and WooCommerce. FundThrough integrates with QuickBooks, Xero, OpenInvoice, Sage, and NetSuite. Payability connects with supported marketplace accounts. Resolve Pay's two-way sync capabilities enable automated invoice creation, payment matching, and reconciliation.
What kind of businesses are best suited for Resolve Pay's services?
Resolve Pay targets mid-market B2B sellers in manufacturing, wholesale distribution, and supply industries. Ideal customers include HVAC parts distributors, electrical and plumbing supplies companies, industrial equipment manufacturers, medical device distributors, and construction materials suppliers. The platform works for businesses offering net terms to commercial buyers who want to reduce covered credit risk while automating AR operations.
How quickly can I receive funding for my invoices with Resolve Pay?
Resolve Pay advances up to 90% of invoice value within 1 to 2 business days after approval. The AI-driven credit process can provide decisions instantly or within one business day, depending on the buyer and verification requirements. The remaining 10% is released when the buyer completes payment. Implementation can range from a few days to a few weeks depending on the seller's systems and integration requirements.
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.
