Sep 23, 2026
Selecting the right B2B financing solution can determine whether your business thrives or struggles with cash flow constraints. While Slope offers API-first embedded finance for enterprise platforms and OnDeck provides traditional small business loans, Resolve Pay delivers non-recourse net terms financing combined with complete AR automation that eliminates credit risk for B2B sellers. Understanding these fundamental differences between invoice financing, embedded payment infrastructure, and traditional lending helps manufacturers, distributors, and wholesalers select the approach that matches their cash flow needs, operational capacity, and growth objectives.
Key Takeaways
- Resolve Pay provides 100% non-recourse financing where sellers bear zero liability for buyer defaults on approved invoices, while Slope operates a shared-risk model and OnDeck provides general-purpose business financing
- Resolve Pay includes native integrations with Shopify, BigCommerce, WooCommerce, Magento, QuickBooks, NetSuite, Xero, and Sage Intacct for turnkey implementation in hours to days, compared to Slope's API-first approach requiring weeks of development
- Resolve Pay serves 15,000+ businesses and has a 5.0/5 G2 rating based on 17 reviews
- Resolve Pay's AI-powered AR automation handles workflows across invoicing, reconciliation, payments, reminders, and collections, while a Trenchless Supply customer testimonial reports at least a 90% reduction in work required after automating its two-way integration
- Resolve Pay advances up to 90 to 100% of invoice value within 1-2 business days, converting 30 to 90 day payment cycles into immediate working capital without requiring collateral or personal guarantees
- Resolve Pay customer stories include 5x revenue growth for SS&SI Dealer Network and a 75% month-over-month increase in financed transaction volume for Nandansons within a month of launch
Understanding the Landscape: Small Business Financing vs. B2B BNPL
The business financing market encompasses distinct categories serving different operational models and objectives. Understanding these fundamental differences helps finance leaders select tools aligned with their growth stage and execution capacity.
Traditional small business lenders like OnDeck serve as capital providers for general working capital needs. These platforms offer term loans and lines of credit that businesses repay with interest over time. The value proposition centers on fast access to capital for various business expenses including inventory, payroll, equipment, and expansion.
API-first embedded finance platforms like Slope represent another approach, providing infrastructure for enterprise platforms and marketplaces to embed payment capabilities. These tools focus on enabling custom payment experiences through developer integration. The platform works well for large enterprises with dedicated technical teams building sophisticated payment workflows.
B2B net terms financing through platforms like Resolve Pay represents a purpose-built solution for manufacturers, distributors, and wholesalers. Rather than general working capital loans, Resolve Pay enables sellers to offer Net 30, 60, or 90 payment terms to business buyers while receiving immediate cash advances. The platform handles credit decisioning, AR automation, payment processing, and collections management in an integrated solution.
The fundamental distinction lies in risk allocation and use case: traditional lenders provide capital for general business expenses, API platforms require development resources for implementation, and Resolve Pay eliminates credit risk entirely through non-recourse financing while providing turnkey integration.
The Rise of B2B Buy Now Pay Later
B2B BNPL has emerged as a distinct category within business financing, applying consumer payment flexibility to commercial transactions. The model allows business buyers to receive goods immediately while paying over 30, 60, or 90 days.
For sellers, B2B BNPL solves a critical challenge: offering competitive payment terms without sacrificing cash flow. Research from the Federal Reserve shows that trade credit represents a significant component of business-to-business transactions. Traditional approaches required sellers to either demand payment upfront or extend credit internally, tying up working capital and assuming default risk.
Modern B2B payment solutions shift this dynamic. Sellers can offer extended terms while receiving immediate payment, with the financing platform assuming credit risk and managing collections. This model supports the growing expectation among B2B buyers for payment flexibility matching their consumer experiences.
Resolve Pay: B2B Payment Solutions and Non-Recourse Invoice Financing for Sellers
Resolve Pay's Approach to B2B Net Terms
Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and offloading credit risk. The platform was spun out from Affirm, the consumer BNPL company, bringing proven fintech expertise to B2B commerce.
Resolve Pay announced $85 million across two 2021 financings, including a $25 million equity round led by Insight Partners, and now serves more than 15,000 businesses.
How Resolve Pay Eliminates Credit Risk for Sellers
The non-recourse model represents Resolve Pay's core differentiator. When a seller submits an invoice for an approved buyer, Resolve Pay advances up to 90 to 100% of the invoice value within 1-2 business days. If the approved buyer fails to pay, Resolve Pay absorbs the loss entirely. The seller keeps the advance with zero liability.
This approach fundamentally differs from traditional invoice factoring, where sellers typically retain recourse obligations. If a buyer defaults under factoring arrangements, sellers must repurchase the invoice or face financial penalties. Resolve Pay's non-recourse structure eliminates this risk completely.
The AI-powered credit engine evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. Credit decisions return within 24 hours, with instant approvals available for qualifying purchases. This automated underwriting replaces manual trade reference calls and spreadsheet tracking.
Streamlining Accounts Receivable with AI
Beyond financing, Resolve Pay provides comprehensive AR automation across multiple workflows:
- Automated invoice generation synced from ERP and accounting systems
- Smart payment reconciliation using machine learning to match invoice-to-cash automatically
- Real-time AR dashboards showing DSO, aging, and portfolio health
- Automated bookkeeping sync to QuickBooks, Xero, Sage Intacct, and NetSuite
- Agentic collections with multi-channel automated sequences across email, SMS, and voice AI
The collections capability uses intelligent escalation based on buyer response and payment history. Sequences pause automatically when payments or disputes are received, preserving customer relationships through professional, friendly communication.
Native Integrations for Turnkey Implementation
Resolve Pay's integration ecosystem enables implementation in hours to days without requiring development resources:
- E-commerce platforms: Shopify, BigCommerce, WooCommerce, Magento with embedded checkout for instant credit decisions
- Accounting and ERP systems: QuickBooks Online, NetSuite, Xero, Sage Intacct with bi-directional sync
- Payment processing: BlueSnap partnership for global payment capabilities
This turnkey approach contrasts with API-first platforms requiring dedicated development teams and weeks of implementation work.
Enterprise Compliance and Security
Resolve Pay is SOC 2 Type II attested, reflecting controls evaluated through an independent SOC 2 examination.
When Resolve Pay Fits Best
Resolve Pay serves B2B sellers needing:
- Non-recourse protection eliminating buyer default risk
- Complete AR automation reducing operational overhead
- Native integrations without development requirements
- Competitive pricing with transparent fee structures
- Fast implementation measured in hours to days
Slope
Slope's Primary Focus
Slope positions itself as an API-first embedded finance infrastructure platform targeting enterprise marketplaces and platforms. The company has raised significant funding to support operations serving major enterprise clients including IKEA, Alibaba, Walmart Marketplace, and Amazon. Slope's technology includes proprietary AI models for underwriting and decision-making.
Technical Requirements and Implementation
Slope operates as an API-first platform, meaning implementation requires dedicated development resources. Teams must build custom integrations rather than using pre-built connectors. This approach offers flexibility for enterprises with specific requirements but creates different implementation considerations for mid-market companies.
Implementation timelines typically span weeks rather than days, as development teams must build, test, and deploy custom integrations. The API-driven model enables sophisticated embedded payment experiences but demands ongoing technical maintenance.
Financing Structure
Slope provides embedded B2B payments and financing infrastructure with program terms that vary by deployment and customer requirements.
Enterprise Deployment Considerations
Slope focuses on embedded B2B payments and financing infrastructure for enterprise and platform deployments. Implementation requirements vary based on the product, integration approach, and customer environment.
OnDeck
OnDeck's Role in Business Lending
OnDeck operates as a traditional small business lender, having funded more than 185,000 businesses since 2006. The company is part of Enova International, a publicly traded financial services provider.
Product Offerings
OnDeck provides two primary products:
- Term loans: USD 5,000 to USD 400,000 with repayment terms up to 24 months
- Lines of credit: USD 6,000 to USD 200,000 with revolving access
The platform emphasizes fast funding, with same-day to 24-hour turnaround for approved applicants. Minimum requirements include at least one year in business, USD 100,000 in annual revenue, a business checking account, and a 625 personal FICO score.
Financing Structure
OnDeck provides term loans and revolving lines of credit for businesses seeking general-purpose working capital. Repayment terms and financing conditions depend on the product, borrower profile, and underwriting decision.
OnDeck's term loans are secured by a general lien on business assets and backed by a personal guarantee. Its business line of credit is unsecured. Borrowers remain responsible for repayment according to their financing agreement.
Not a B2B Net Terms Solution
OnDeck operates as a general working capital lender, not a B2B net terms platform. The product serves businesses needing cash for various expenses such as inventory, payroll, and equipment, rather than sellers wanting to offer payment terms to buyers.
This fundamental difference means OnDeck and Resolve Pay address different use cases. For B2B sellers that want to extend payment terms while receiving cash upfront, Resolve Pay provides a purpose-built net terms and AR workflow rather than a general-purpose business loan.
Evaluating Speed and Approval: Fast Invoice Funding vs. Traditional Loan Processes
Understanding Approval Times and Requirements
Speed to capital varies across platforms:
Resolve Pay:
- Credit decisions within 24 hours, with instant approvals for qualifying purchases
- Funding within 1-2 business days after invoice submission
- No collateral or personal guarantee required
- Implementation in hours to days with native integrations
Slope:
- Real-time AI-powered credit decisions
- Immediate merchant payment (varies by program)
- Custom implementation requiring weeks of development
OnDeck:
- Online application designed to be completed in minutes
- Approved borrowers may receive funds as soon as the same day, subject to eligibility and cutoff requirements
- Requires at least one year in business, USD 100,000 annual revenue, a business checking account, and a 625 personal FICO score
- Product security requirements vary by financing type
Accessing Capital Quickly for Growing Businesses
For B2B sellers, the relevant metric is time from invoice creation to cash receipt. Resolve Pay transforms this from 30 to 90 days (standard payment terms) to 1-2 business days. This acceleration provides working capital for:
- Inventory replenishment
- Supplier payments
- Payroll obligations
- Growth investments
The non-recourse structure adds certainty: once cash arrives, sellers keep it regardless of buyer payment outcomes.
Operational Impact: AR Automation and Collections Management
Reducing Overhead with Automated Accounts Receivable
Beyond financing, Resolve Pay addresses operational efficiency through comprehensive AR automation. The platform eliminates manual processes across:
- Credit assessment: AI-powered evaluation replaces trade reference calls and manual research
- Invoice management: Automated generation and tracking synced with ERP systems
- Payment processing: Multi-rail support including ACH, wire, credit card, and check
- Reconciliation: Machine learning matches payments to invoices automatically
- Reporting: Real-time dashboards for DSO, aging, and portfolio visibility
One Resolve Pay customer, Trenchless Supply, reported that the work required from its team decreased by at least 90% after Resolve Pay helped automate a two-way integration.
Maintaining Customer Relationships Through Smart Collections
The agentic collections capability uses multi-channel automated sequences:
- Day 1: Email payment reminder
- Day 7: SMS notification
- Day 14: Voice AI outreach
- Day 21: Escalation protocols
Intelligent escalation adapts based on buyer response and payment history. Sequences pause automatically when payments or disputes are received. This approach preserves customer relationships through professional communication.
All interactions log automatically to invoice records, creating complete audit trails without manual documentation.
Strategic Growth: Leveraging Financing for Market Expansion
Expanding Sales by Offering Net Terms
Net terms serve as a competitive advantage in B2B markets. Buyers expect payment flexibility, and sellers unable to offer terms may lose deals to competitors who can.
Resolve Pay enables sellers to offer Net 30, 60, or 90 terms without:
- Tying up working capital during payment periods
- Assuming credit risk for buyer defaults
- Building internal credit assessment capabilities
- Managing complex AR operations
Customer success stories demonstrate the growth impact:
- SS&SI Dealer Network: 5x revenue growth after implementation
- ConEquip: 30% year-over-year growth in construction equipment sales
- Archipelago Lighting: Tripled revenue while reducing net terms approval from 10 days to 24 hours
- Nandansons: 75% month-over-month increase in financed transaction volume within a month of launching Resolve Pay
- Elston Materials: Increased margins from 25% to 30% through improved cash flow
- Shields Childcare Supplies: Won new business by offering Net 90 terms they could not extend independently
Fueling Growth with Accessible Capital
The fundamental value proposition translates working capital constraints into growth opportunities. Sellers previously limited by cash flow can:
- Pursue larger orders without liquidity concerns
- Expand into new territories requiring extended payment terms
- Compete with larger players offering generous terms
- Invest in inventory, marketing, and sales resources
The non-recourse model adds confidence: growth comes without proportional increases in credit risk exposure.
Why Resolve Pay for B2B Net Terms and AR Automation
Resolve Pay combines non-recourse invoice financing with comprehensive AR automation, creating a unified platform for B2B sellers seeking to offer competitive payment terms while maintaining strong cash flow. The platform's turnkey integrations with major e-commerce and accounting systems enable implementation in hours to days, while the AI-powered credit engine and automated collections workflows reduce manual AR work significantly.
For manufacturers, distributors, and wholesalers operating in competitive B2B markets where buyers expect net payment terms, Resolve Pay provides both the financing infrastructure and operational automation needed to scale efficiently. The non-recourse model ensures sellers can confidently extend terms to approved buyers without taking on additional credit risk, while native integrations eliminate the development overhead required by API-first platforms.
Whether your business needs to convert 30 to 90 day payment cycles into immediate working capital, reduce the operational burden of manual accounts receivable management, or compete more effectively by offering buyer-friendly payment terms, Resolve Pay delivers purpose-built capabilities designed specifically for B2B commerce.
Frequently Asked Questions
How Does Resolve Pay's Invoice Financing Work?
Resolve Pay enables eligible B2B sellers to offer approved buyers net payment terms while receiving an advance on qualifying invoices. Resolve Pay manages buyer credit assessment, payment workflows, and collections while helping sellers improve cash-flow timing.
How Does Resolve Pay's Non-Recourse Model Help Sellers?
Resolve Pay's advances are non-recourse for approved invoices. This means approved buyer default risk is handled by Resolve Pay rather than being transferred back to the seller, subject to the applicable transaction terms and buyer verification.
What Businesses Are a Good Fit for Resolve Pay?
Resolve Pay is designed primarily for established B2B merchants, manufacturers, distributors, and wholesalers whose customers request invoice-based payment terms. Resolve Pay states that its strongest fit includes B2B merchants with at least USD 1 million in annual revenue and buyers that use net terms.
How Quickly Can Resolve Pay Approve Buyers and Advance Invoices?
Resolve Pay supports fast AI-assisted credit decisions, with some qualifying decisions available instantly and other assessments completed within approximately one business day. Approved invoice advances can provide sellers with cash as soon as one business day, depending on the transaction.
Does Resolve Pay Integrate with My Existing Systems?
Resolve Pay offers native integrations with popular e-commerce platforms including Shopify, BigCommerce, WooCommerce, and Magento, as well as accounting and ERP systems such as QuickBooks Online, NetSuite, Xero, and Sage Intacct. These integrations enable bi-directional data sync and turnkey implementation without requiring development resources.
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.
