Selecting the right financing solution can determine whether your B2B business thrives or struggles with cash flow constraints. While Payability focuses on marketplace seller advances and OnDeck provides traditional small business loans, Resolve Pay delivers a comprehensive platform combining non-recourse net terms financing, AI-powered AR automation, and integrated collections management. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers choose the solution that aligns with their operational needs and growth objectives.
The B2B financing landscape encompasses multiple funding approaches, each designed for specific business models and cash flow challenges. Understanding how these mechanisms work helps business owners select the right tool for their situation.
Invoice factoring converts unpaid invoices into immediate working capital. A factoring company purchases your accounts receivable at a discount, providing upfront cash while assuming responsibility for collecting payment from your customers.
Traditional factoring typically involves:
Non-recourse factoring shifts the credit risk away from sellers. With this model, the financing provider absorbs losses when approved customers fail to pay, protecting sellers from bad debt.
Merchant cash advances provide lump-sum funding in exchange for a percentage of future sales. Unlike traditional loans with fixed monthly payments, MCAs collect repayment through daily or weekly deductions from revenue.
Key characteristics include:
Global B2B BNPL payments were projected to reach $199.2 billion in 2024, with the same market research forecasting a 27.4% compound annual growth rate through 2029. This growth reflects increasing adoption of deferred-payment options in B2B commerce.
Resolve Pay operates as a comprehensive B2B payments platform enabling manufacturers, distributors, and wholesalers to offer Net 30/60/90 payment terms while receiving immediate cash. The platform combines financing with accounts receivable automation and credit risk management in a single integrated solution.
The platform allows sellers to extend payment terms to business buyers without straining their own cash flow. When a buyer purchases on net terms, Resolve Pay advances up to 90-100% of the invoice value within 24-48 hours.
Core capabilities include:
The 2025 BigCommerce Innovative Integration Award recognizes Resolve Pay's seamless e-commerce checkout integration, enabling instant net terms approval at point of sale.
Manual credit evaluation creates bottlenecks that slow sales cycles and frustrate buyers. Resolve Pay's proprietary AI engine delivers credit decisions in under 24 hours, with some approvals occurring instantly for purchases up to USD 25,000.
The system evaluates thousands of buyer data points including:
This approach eliminates the manual trade reference calls and spreadsheet tracking that burden traditional credit processes. Buyers experience quiet credit checks that do not impact their credit scores or trigger notifications.
Beyond financing, Resolve Pay automates the entire accounts receivable lifecycle. The platform handles invoice generation, payment reminders, reconciliation, and collections without manual intervention.
Agentic collections uses multi-channel automated sequences across email, SMS, and AI-powered voice calls. The system applies intelligent escalation based on buyer response patterns and payment history, preserving customer relationships while reducing days sales outstanding.
Customers report 50-90% reduction in manual AR work after implementing the platform. Trenchless Supply achieved credit approvals under 24 hours while reducing AR workload by 90%.
Payability positions itself as a funding solution for e-commerce sellers operating on marketplaces such as Amazon, Walmart, and Newegg. The company has deployed over USD 5 billion since its founding in 2015.
The platform accelerates marketplace payouts that typically arrive on extended schedules. Rather than waiting for Amazon or Walmart to release funds, sellers can access capital based on their pending sales.
Payability offers two primary products:
The platform focuses on marketplace-connected funding for sellers on supported channels including Amazon, Walmart, and Newegg.
Payability's specialization centers on accelerating eligible marketplace proceeds for ecommerce sellers, while Resolve Pay focuses on B2B net terms, receivables automation, and invoice-based workflows.
Several characteristics define Payability's scope:
For manufacturers and distributors extending invoice-based net terms, Resolve Pay combines financing with AR automation, credit management, payments, and collections in one B2B-focused platform.
OnDeck operates as a small business lender offering term loans and lines of credit. The company reports funding more than 185,000 businesses since 2006 and delivering more than USD 25 billion in business financing. Enova acquired OnDeck in 2020.
Term loans from OnDeck range from USD 5,000 to USD 400,000 with repayment periods spanning multiple years. Borrowers receive lump-sum funding for general business purposes including equipment, inventory, and operational expenses.
Qualification requirements include:
OnDeck term loans provide lump-sum business funding with repayment terms determined during underwriting.
Lines of credit provide revolving access to capital up to approved limits. Businesses draw funds as needed and pay interest only on utilized amounts.
Key terms include:
OnDeck reports to business credit bureaus, helping borrowers build credit history.
Time to funding directly impacts business operations. Delayed capital access means missed opportunities, strained supplier relationships, and restricted growth.
Resolve Pay delivers advances within 24-48 hours of invoice creation. The AI credit engine processes applications rapidly, with many decisions occurring in under 24 hours.
The funding process works as follows:
This speed transforms cash flow dynamics. Businesses that previously waited 45-60 days for payment now receive funds in one day.
Payability's Instant Access provides daily payouts once connected to marketplace accounts. Sellers receive funds the next business day after sales occur.
The marketplace-specific focus means:
OnDeck says applicants can complete its online application in minutes. Eligible borrowers who receive and accept an offer may receive funds as soon as the same day, subject to OnDeck's funding conditions and cutoff times.
The loan structure creates ongoing cash flow obligations through customizable repayments. These automatic deductions continue according to the agreed schedule, creating predictable payment obligations.
The question of who absorbs losses when customers fail to pay fundamentally shapes the value proposition of each financing option.
Resolve Pay provides non-recourse advances on eligible approved invoices and manages buyer credit assessment, underwriting, and collections. Resolve Pay describes its model as taking on the majority risk associated with late payments or defaults.
This non-recourse structure:
The AI-powered collections system handles follow-up automatically. Multi-channel sequences deploy across email, SMS, and voice with intelligent escalation that adapts to buyer behavior.
Traditional invoice factoring typically operates on a recourse basis. If buyers fail to pay, sellers must repurchase the invoice or cover the shortfall.
Merchant cash advances like those from Payability do not involve the same credit risk structure since advances are based on completed marketplace sales rather than unpaid invoices.
OnDeck evaluates the borrowing business and its owner rather than the borrower's customers. Its financing requires a personal guarantee, and its term loans are secured by a general lien on business assets.
OnDeck uses a borrower-based lending structure with personal guarantee requirements, while Resolve Pay uses non-recourse advances on eligible approved invoices.
This means:
Modern B2B finance extends beyond capital access to include operational tools that streamline receivables management.
Resolve Pay differentiates through its integrated approach combining financing, automation, and customer experience tools. The platform addresses the entire order-to-cash cycle.
AR Automation Platform:
White-Label Payment Portal:
E-commerce Integrations:
The business credit check capability evaluates buyer creditworthiness without impacting their scores, enabling sellers to make informed decisions about extending terms.
Payability centers its product experience on marketplace funding and payout management. Resolve Pay takes a broader B2B receivables approach by combining net terms, credit workflows, invoicing, payments, reconciliation, and collections.
The platform provides:
OnDeck centers its product offering on term loans and revolving business credit. Resolve Pay separately provides B2B-focused capabilities including AR automation, a branded payment portal, ecommerce integrations, and collections workflows.
OnDeck provides basic QuickBooks integration and customer support for loan management.
Resolve Pay is designed for B2B sellers that want to extend net terms while improving cash-flow predictability and reducing receivables administration.
Resolve Pay supports businesses that:
For manufacturers, distributors, wholesalers, and other B2B sellers, Resolve Pay brings credit decisioning, net terms, invoice advances, payments, reconciliation, and collections into a connected platform. This approach helps sellers offer buyers flexible payment terms while receiving cash sooner and reducing the operational burden of managing receivables internally.
Companies using Resolve Pay report 40% increases in average order value by enabling customers to purchase on terms. The platform delivers particular value for businesses looking to offer competitive payment terms while maintaining healthy cash flow and automating the order-to-cash cycle.
Resolve Pay combines B2B net terms, buyer credit decisioning, invoice advances, payments, accounts receivable automation, reconciliation, and collections workflows in one platform.
Resolve Pay lets approved B2B buyers purchase on flexible net terms while eligible sellers can receive an advance on approved invoices. This helps sellers offer payment flexibility without waiting for the full buyer payment period before receiving cash.
Yes. Resolve Pay provides non-recourse advances on eligible approved invoices, helping protect sellers from approved buyer credit default risk while Resolve Pay manages credit assessment, underwriting, and collections.
Resolve Pay's business credit check process can provide results within 24 business hours, with some qualifying ecommerce purchases eligible for instant approval. Final decisions depend on buyer verification and underwriting.
Resolve Pay is designed primarily for B2B merchants, manufacturers, wholesalers, and distributors. Common industries include HVAC, electrical and plumbing supplies, industrial equipment, medical and pharmaceutical distribution, and construction materials.
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.