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.
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.
When evaluating invoice funding options, several factors determine which approach fits your business:
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.
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.
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.
Beyond financing, Resolve Pay provides a complete accounts receivable automation platform that handles:
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.
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.
Each platform takes a different approach to providing working capital, with significant implications for speed, advance rates, and operational fit.
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:
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:
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:
The platforms address different financial workflows:
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.
Resolve Pay's proprietary credit engine evaluates thousands of buyer data points including:
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.
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.
Resolve Pay's agentic collections system automates the follow-up process through multiple channels:
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.
Understanding each platform's ideal customer profile helps determine which solution aligns with your business model.
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:
Resolve Pay's customer results demonstrate measurable business impact:
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 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.
Integration capabilities determine how smoothly a financing solution fits into existing business operations.
Resolve Pay supports integrations across accounting, ERP, and ecommerce systems:
Accounting and ERP Systems:
E-commerce Platforms:
Technical Capabilities:
The e-commerce integrations enable embedded checkout experiences where net terms appear as a payment option during the buying process.
FundThrough connects with:
The platform focuses on accounting software connections rather than e-commerce, reflecting its invoice factoring model where invoices have already been issued.
Payability connects with supported marketplace accounts, including:
These connections enable automated tracking of marketplace sales and earnings, but the integration approach differs fundamentally from B2B invoice financing platforms.
When entrusting financial operations to a third party, security credentials, leadership experience, and industry recognition provide important signals about platform reliability.
Security:
Leadership Background:
Industry Recognition:
Customer Trust:
Resolve Pay's SOC 2 Type II attestation, experienced team, customer base, and industry recognition provide relevant signals for B2B businesses evaluating the platform.
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.
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:
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.
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.
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.
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.
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.
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.