Resolve Pay vs Paystand vs OnDeck

Selecting the right B2B financial solution can determine whether your business thrives with healthy cash flow or struggles with capital constraints. While Paystand focuses on B2B payment infrastructure and OnDeck provides traditional business lending, Resolve Pay delivers comprehensive net terms financing with non-recourse protection on eligible approved invoices while automating key parts of the credit-to-cash cycle. Understanding these fundamental differences between payment automation, traditional lending, and integrated net terms financing helps manufacturers, distributors, and wholesalers select the approach that matches their growth objectives and operational needs.

The B2B financial technology landscape encompasses distinct categories, each serving different operational models. The Federal Reserve identifies credit, liquidity, operational, and other risks within payment and settlement systems, reinforcing the need for B2B payment workflows that carefully manage cash flow, credit exposure, and operational efficiency. This comparison examines how three platforms approach these challenges from fundamentally different perspectives.

Key Takeaways

• Resolve Pay offers non-recourse net terms financing with covered buyer default risk staying with Resolve Pay on eligible approved invoices, while Paystand focuses on payment processing and OnDeck provides traditional business loans where sellers retain responsibility
• Resolve Pay's AI Credit Engine supports fast buyer credit decisions, with some approvals delivered in seconds and other applications completed within hours depending on the buyer and workflow
• Resolve Pay is trusted by 15,000+ businesses and can provide advance payments on eligible approved invoices, helping B2B sellers improve cash-flow timing while offering customers flexible payment terms
• Resolve Pay maintains a perfect 5.0/5 G2 rating with 17 reviews, reflecting exceptional customer satisfaction for B2B net terms and AR automation
• Resolve Pay's integrated platform combines credit decisioning, AR automation, and agentic collections in a single solution, eliminating the need for multiple vendors and reducing AR workload by up to 90%
• OnDeck offers term loans with repayment terms up to 24 months, representing traditional business lending that operates independently of invoice-specific financing

Understanding the B2B Financial Solutions Landscape

The B2B financial technology market encompasses three distinct categories, each serving different operational models and business objectives. Understanding these fundamental differences helps finance leaders and business owners select solutions aligned with their growth stage and execution capacity.

Payment processing platforms like Paystand serve as transaction infrastructure for B2B commerce. These platforms provide payment acceptance capabilities, AR automation features, and analytics dashboards that help businesses manage their receivables more efficiently. The value proposition centers on streamlining B2B payment processing and accelerating collections. However, these systems do not provide financing or assume credit risk on your behalf.

Traditional business lenders like OnDeck represent the conventional approach to working capital, providing term loans and lines of credit based on business creditworthiness. These loans require repayment regardless of whether your customers pay their invoices. The funds can be used for any business purpose, but the debt sits on your balance sheet and accrues interest.

Integrated net terms financing platforms like Resolve Pay represent a paradigm shift from tools to outcomes. Rather than simply processing payments or providing generic working capital, Resolve Pay enables sellers to offer Net 30/60/90 terms to buyers while receiving immediate cash advances within 24-48 hours. The platform handles credit underwriting, AR automation, and collections while assuming covered buyer default risk on eligible approved invoices through non-recourse financing.

The fundamental distinction lies in the financing structure: Resolve Pay can provide advance payments on eligible approved invoices while assuming covered buyer default risk through its non-recourse model.

Resolve Pay

Resolve Pay's Approach to B2B Net Terms Financing

Resolve Pay operates as a B2B payments platform that enables manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and offloading covered credit risk. The platform was founded as a spinout from Affirm and built by former executives from Affirm, Amazon, and PayPal with deep expertise in consumer BNPL adapted for B2B commerce.

The core value proposition centers on non-recourse financing. When you offer Net 30/60/90 terms through Resolve Pay, the platform advances up to 90% of invoice value within 24-48 hours. If a covered buyer default occurs on an eligible approved invoice, Resolve Pay bears the covered credit loss rather than requiring repayment of the advance from the seller. This risk transfer fundamentally changes the economics of offering trade credit.

The AI Credit Engine powers real-time buyer underwriting. The proprietary system evaluates thousands of buyer data points, including cash flow trends, payment history, and behavioral signals, to support fast, scalable credit decisions. This instant decisioning replaces manual trade reference calls and spreadsheet tracking that traditionally consumed days or weeks of staff time.

Resolve Pay's AR Automation and Collections

Resolve Pay's AR automation platform handles the complete credit-to-cash workflow:

• Automated invoice generation synced from ERP and accounting systems
• Smart payment reconciliation using machine learning to match payments automatically
• Real-time AR dashboards showing DSO, aging, and portfolio health
• Automated bookkeeping sync to QuickBooks, Xero, Sage Intacct, and NetSuite

The agentic collections capability uses multi-channel automated sequences including email, SMS, and AI-powered voice calls with intelligent escalation based on buyer response patterns. This automation preserves customer relationships while reducing manual AR workload by up to 90%.

Customer outcomes demonstrate the platform's impact:

• 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 completing in under 24 hours
• Elston Materials increased margins from 25% to 30% through improved cash flow management

Resolve Pay Integrations and Infrastructure

Resolve Pay integrates with major ecommerce, ERP, and accounting systems to automate relevant data syncing, reconciliation, and financial workflows:

• Ecommerce: Shopify, BigCommerce (2025 Innovative Integration Award winner), Magento 2, WooCommerce
• Accounting/ERP: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite

Implementation timing depends on the connected systems and workflow complexity, with supported integrations designed for streamlined setup. Resolve Pay is SOC 2 Type II attested and independently audited, supporting its security controls for handling financial data. The white-labeled payment portal maintains your brand throughout the buyer journey while accepting ACH, wire transfer, credit card, and check payments.

Where Resolve Pay Fits

Resolve Pay serves mid-market B2B sellers, typically those with $1M+ annual revenue, in manufacturing, wholesale distribution, and supply industries. Primary customers include:

• HVAC parts distributors
• Electrical and plumbing supplies
• Industrial equipment manufacturers
• Medical and pharmaceutical distributors
• Construction materials suppliers

The platform works best when you need to offer competitive net terms without cash flow strain, want non-recourse protection on eligible approved invoices from covered buyer defaults, need AI-powered credit underwriting, and seek to automate AR workflows while maintaining your brand experience.

Paystand

Paystand's Primary Focus

Paystand positions itself as a B2B payment platform built around its blockchain-enabled payment network and accounts receivable automation. The company was founded in 2013 and has raised funding through multiple rounds including a Series B in 2019 led by DNX Ventures.

The platform combines digital payment infrastructure with accounts receivable automation and bank-to-bank payment capabilities. For businesses with high payment processing volumes, Paystand's network approach can streamline transaction workflows compared to traditional payment systems.

Paystand's AR and Payment Capabilities

Paystand provides AR automation capabilities including:

• Collections automation with configurable workflows
• Payment portal for buyer self-service
• Invoice management and tracking
• ERP integrations with NetSuite, Sage, Dynamics 365, and Acumatica

The platform supports international payment workflows and cross-border capabilities alongside its B2B payment and AR automation products. Blockchain-based infrastructure provides enterprise-grade audit trails and security features.

Customer reviews on G2 highlight responsive customer support and ease of use, with the platform maintaining a 4.6/5 rating with 29 reviews. Capterra shows a 4.5/5 rating with 337 reviews, indicating broad user satisfaction with core payment functionality.

How Resolve Pay Extends the Credit-to-Cash Workflow

Paystand centers on B2B payments and accounts receivable automation. Resolve Pay brings additional seller-focused capabilities into the workflow through net terms financing, buyer credit decisioning, advance payments on eligible approved invoices, and non-recourse coverage for covered buyer defaults.

For manufacturers, distributors, wholesalers, and other B2B sellers that need to offer payment terms while improving cash-flow predictability, Resolve Pay combines these capabilities with invoicing, payment workflows, reconciliation, and collections automation.

OnDeck

OnDeck's Role in Small Business Lending

OnDeck represents the traditional business lending model, providing term loans and lines of credit to small businesses since 2006. The company was acquired by Enova International in 2020 and has funded OnDeck business lending with over $25 billion delivered.

The platform offers two primary products:

Term Loans: OnDeck offers term loans as lump-sum business financing with repayment terms currently extending up to 24 months. These loans can be used for business needs such as equipment, inventory, or expansion projects.

Lines of Credit: Available from $6,000 to $200,000 with revolving access to funds. Businesses can draw and repay as needed, paying interest only on outstanding balances.

OnDeck's application process emphasizes speed and simplicity. The 15-minute online application can lead to same-day funding decisions for qualified applicants. Requirements typically include at least one year in business and minimum annual revenue thresholds.

Customer reviews commonly discuss approval speed and access to funding as important aspects of the OnDeck experience. The platform maintains an A+ BBB rating and strong TrustPilot presence.

How OnDeck's Lending Model Differs

OnDeck uses a traditional lending model in which businesses borrow through term loans or lines of credit and repay the financing according to the applicable loan agreement. Several fundamental differences separate OnDeck from Resolve Pay's approach:

• Debt-based financing: OnDeck loans add liability to your balance sheet and require repayment regardless of business performance
• Business underwriting vs. buyer underwriting: OnDeck evaluates your business creditworthiness, while Resolve Pay underwrites your customers
• Generic working capital vs. invoice-specific: OnDeck provides unrestricted funds, while Resolve Pay ties advances directly to approved invoices
• Full seller risk retention: With OnDeck, you bear all repayment responsibility; with Resolve Pay, covered buyer default risk on eligible approved invoices transfers to Resolve Pay
• No AR automation: OnDeck provides capital but no receivables management capabilities

OnDeck provides general-purpose business financing, while Resolve Pay is purpose-built for B2B sellers that want to combine net terms, cash-flow support, buyer credit management, and receivables automation in one workflow.

Invoice Financing: Resolve Pay vs. Traditional Approaches

How Non-Recourse Financing Protects Sellers

The distinction between recourse and non-recourse financing represents one of the most important considerations for B2B sellers evaluating financing options.

With traditional invoice factoring or recourse financing, the seller retains ultimate responsibility if buyers fail to pay. If a factored invoice goes unpaid, the factoring company can demand repayment from the seller. This arrangement transfers collection activity but not actual credit risk.

Resolve Pay's non-recourse model works differently. When Resolve Pay approves a buyer for net terms, the platform assumes covered buyer default risk on eligible approved invoices extended to that buyer. If a covered buyer default occurs on an eligible approved invoice, Resolve Pay bears the covered credit loss rather than requiring the seller to repay the advance.

This risk transfer creates several strategic advantages:

• Predictable cash flow: Sellers receive their advance regardless of buyer payment behavior on eligible approved invoices
• Extended terms without proportional exposure: Offer Net 60 or Net 90 terms to win business
• Simplified accounting: Reduced contingent liability tracking for covered defaults
• Preserved customer relationships: Collection activities become Resolve Pay's responsibility

The non-recourse structure particularly benefits sellers in industries with long payment cycles or where offering terms is competitively necessary.

Speed Comparison: Cash Access Timeline

Time-to-cash varies dramatically across these three solutions:

Resolve Pay:

• Credit decision: Some eligible buyers can receive decisions in seconds, while other applications may be completed within hours
• Advance timing: 24-48 hours after invoice creation for eligible approved invoices
• DSO impact: Customers report reduction from 45-60 days to 1 day

Paystand:

• Payment processing: Same-day settlement available on network
• No invoice advances: Cash arrives only when buyers actually pay
• DSO reduction: Customers report substantial improvement through collections automation

OnDeck:

• Application to decision: Same-day possible
• Funding after approval: Same-day possible for qualified applicants
• Ongoing access: Lines of credit provide revolving availability

For B2B sellers offering net terms, Resolve Pay's model converts the 30-90 day wait into a 1-2 day funding cycle, while Paystand requires waiting for actual buyer payment and OnDeck provides generic capital unconnected to specific receivables.

Accounts Receivable Automation Compared

Resolve Pay's AI-Powered AR Platform

Resolve Pay's accounts receivable automation represents a comprehensive approach to the credit-to-cash cycle. The platform combines:

Intelligent Credit Underwriting:

• AI evaluation of thousands of buyer data points
• Fast AI-powered credit decisions that can be delivered in seconds for some eligible buyers
• Dynamic credit lines that adjust based on payment history
• Quiet credit checks designed to reduce friction in the buyer credit-assessment process

Automated Invoice Management:

• Invoice generation synced from ERP systems
• Smart payment reconciliation using machine learning
• Real-time dashboards showing DSO, aging, and portfolio health
• Integration with major accounting platforms

Agentic Collections:

• Multi-channel sequences across email, SMS, and voice AI
• Intelligent escalation based on buyer response patterns
• Automatic pause when payment or dispute received
• Complete interaction logging to invoice records

This integrated approach enables customers like Trenchless Supply to reduce AR workload by 90% while maintaining strong customer relationships through professional, automated follow-up.

Paystand's AR Capabilities

Paystand provides AR automation features focused on payment processing efficiency:

• Collections automation with configurable reminder sequences
• Payment portal for buyer self-service access
• Invoice tracking and management dashboards
• ERP integration with NetSuite, Sage, and other platforms

Customers report substantial DSO reduction through Paystand's automation capabilities. The platform integrates with major ERP systems including all Sage versions, providing comprehensive accounting connectivity.

However, Paystand's AR automation operates independently of financing. The platform helps you collect payments more efficiently but does not advance cash against outstanding invoices or assume buyer credit risk.

OnDeck's AR Capabilities

OnDeck does not provide accounts receivable automation. The platform focuses exclusively on business lending, providing term loans and lines of credit based on business creditworthiness. AR management, collections, and invoice processing remain separate from OnDeck's service offering.

Credit Engine Technology: Underwriting Approaches Compared

Resolve Pay's AI Credit Engine

Resolve Pay's proprietary Credit Engine represents a fundamental shift in B2B credit underwriting. The AI-powered system evaluates buyer creditworthiness through:

• Cash flow trend analysis
• Payment history across multiple data sources
• Behavioral signals indicating credit risk
• Real-time financial data evaluation

The result is fast AI-powered credit decisioning that reduces reliance on slower manual credit-review workflows. This speed enables sales teams to close deals immediately rather than waiting for credit department approval.

Key capabilities include:

• Fast approvals: Some purchases approved instantly up to $25,000
• Dynamic credit lines: Limits that adjust automatically based on payment history
• Quiet credit checks: Resolve Pay can assess business credit discreetly using streamlined buyer information
• Dynamic credit decisions: Resolve Pay's AI-powered underwriting supports scalable credit decisions as buyer information and account activity develop

Archipelago Lighting reduced credit approval time from 10 days to 24 hours while offering 20x higher credit lines through Resolve Pay's AI underwriting.

Paystand's Credit Approach

Paystand does not provide buyer credit underwriting services. The platform focuses on payment processing and AR automation rather than credit decisioning. Sellers using Paystand must establish their own credit evaluation processes or use separate vendors for buyer underwriting.

OnDeck's Underwriting Model

OnDeck underwrites the business applying for financing, not the business's customers. The algorithmic underwriting process evaluates:

• Business revenue and cash flow
• Time in business
• Credit history
• Industry risk factors

This model works well for traditional business loans but does not address the specific challenge of evaluating buyer creditworthiness when extending trade terms. The fundamental difference: OnDeck determines if your business qualifies for a loan, while Resolve Pay determines if your customers qualify for payment terms.

Why Resolve Pay Fits B2B Sellers

B2B sellers face a unique challenge: offering competitive payment terms to win business while maintaining healthy cash flow and managing credit risk. Resolve Pay addresses this challenge through an integrated platform that combines financing, credit decisioning, and AR automation in one workflow.

Resolve Pay for Payment and AR Workflows

Resolve Pay supports B2B sellers that want payment processing and accounts receivable automation connected with buyer credit management and net terms. This approach keeps credit decisions, invoicing, payment workflows, reconciliation, and collections within a connected B2B workflow.

The platform eliminates the need for multiple vendors by combining net terms financing, business credit checks, accounts receivable automation, and agentic collections in a single solution. This integration reduces operational complexity while improving cash-flow predictability.

Resolve Pay for Cash Flow and Credit Management

Resolve Pay is purpose-built for sellers that want to extend payment terms without relying solely on general-purpose business borrowing. Eligible approved invoices can receive advance payments while covered buyer default risk is handled through Resolve Pay's non-recourse structure.

Real-world outcomes demonstrate this approach:

• SS&SI Dealer Network: Achieved 5x revenue growth
• ConEquip: Reported 30% year-over-year growth
• Shields Childcare Supplies: Won new business by offering Net 90 terms they could not extend independently

The combination of fast credit decisions, advance payments, non-recourse protection, and AR automation creates a comprehensive solution for B2B sellers in manufacturing, distribution, and wholesale industries.

Frequently Asked Questions

How Does Resolve Pay Differ From Traditional Business Financing?

Resolve Pay's net terms financing is tied to eligible approved customer invoices rather than providing a general-purpose business loan. Resolve Pay evaluates buyer credit, can provide advance payments on approved invoices, and offers non-recourse protection for covered buyer defaults. This structure helps B2B sellers offer payment terms while improving cash-flow predictability and managing receivables within the same platform.

How does Resolve Pay's non-recourse financing protect my business?

With non-recourse financing, Resolve Pay bears covered credit losses when approved buyers default on eligible invoices. Traditional factoring and recourse financing require sellers to repay advances if buyers default. This means Resolve Pay lets you offer extended payment terms without proportionally increasing your credit exposure on eligible approved transactions.

Can Resolve Pay integrate with my existing accounting and ecommerce platforms?

Yes, Resolve Pay integrates with Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. These integrations can sync relevant customer, invoice, payment, and accounting data, with exact functionality depending on the connected system. Implementation timing varies by integration and workflow complexity.

What types of businesses are best suited for Resolve Pay's B2B payment platform?

Resolve Pay serves mid-market B2B sellers with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. Primary customers include HVAC parts distributors, electrical and plumbing supplies companies, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers.

How quickly can my business receive funding for invoices with Resolve Pay?

Resolve Pay's AI Credit Engine can deliver decisions in seconds for some eligible buyers, while other applications may take longer. Eligible approved invoices can receive advance payments within the applicable funding timeline, typically 24-48 hours. Customers report DSO reduction from 45-60 days to as little as 1 day.

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.