Resolve Pay vs Slope vs Two

Selecting the right B2B payment platform determines whether your business can offer competitive net terms while maintaining healthy cash flow. While Slope provides embedded credit and financing infrastructure for enterprise platforms, and Two operates across multiple markets with rapid credit decisioning, Resolve Pay delivers a complete B2B payments solution combining non-recourse net terms financing on eligible approved invoices, AI-powered credit decisioning, and comprehensive AR automation for manufacturers and distributors. Understanding these fundamental differences helps mid-market B2B sellers choose the platform that matches their operational needs, risk tolerance, and growth objectives.

When B2B suppliers evaluate payment platforms for offering net terms to business customers, the choice between integrated solutions, API-first infrastructure, and multi-market tools becomes critical. Three platforms represent distinct approaches to solving cash flow challenges while managing credit risk. This comparison reveals why Resolve Pay's integrated approach delivers measurable results for US-based mid-market B2B sellers who need cash flow protection, streamlined deployment, and transparent operations.

Key Takeaways

• Resolve Pay provides non-recourse advances on eligible approved invoices, helping sellers reduce covered buyer non-payment risk, while Slope provides embedded credit and financing infrastructure with risk structures that can vary by product and program
• Resolve Pay supports low-code and no-code integrations for several ecommerce and ERP workflows, while custom implementations can use its SDK or APIs; Slope and Two also provide APIs and integration options, with implementation requirements depending on the selected product and merchant environment
• Resolve Pay serves 15,000+ businesses and originated as a spinout from Affirm, with team expertise spanning companies including Affirm, PayPal, and Amazon
• Resolve Pay maintains a 5.0/5 rating on G2 from 17 reviews, with reviewers highlighting areas including support and ease of use
• Resolve Pay combines credit decisions, invoicing, collections, and reconciliation in one AR platform, with Trenchless Supply reporting a 90% reduction in AR workload
• Customer success stories demonstrate measurable results including 5x revenue growth at SS&SI Dealer Network, tripled revenue at Archipelago Lighting, and credit approval times reduced from 10 days to 24 hours
• Resolve Pay's AI Credit Engine evaluates thousands of buyer data points to deliver credit decisions in under 24 hours, with instant approvals available for some purchases up to $25,000
• Working capital management remains a critical challenge for mid-market businesses, making efficient B2B payment infrastructure increasingly important for competitive positioning

Understanding B2B Payments Beyond Traditional Invoicing

The landscape of B2B payments extends far beyond simple invoice generation and payment collection. Modern manufacturers, distributors, and wholesalers face a complex challenge: business buyers expect flexible payment terms while sellers need predictable cash flow to fund operations and growth.

Traditional approaches forced B2B sellers into difficult tradeoffs. Offering net terms meant waiting 30, 60, or even 90 days for payment while tying up working capital. Refusing net terms meant losing sales to competitors who extended credit. Invoice factoring provided cash flow relief but often operated with recourse, meaning the seller may remain responsible when a customer fails to pay.

The emergence of B2B payment platforms transformed this equation by separating three critical functions:

• Credit decisioning: Evaluating which buyers qualify for payment terms and at what limits
• Financing: Advancing cash to sellers while buyers pay over time
• Collections: Managing the payment lifecycle from invoice to reconciliation

Resolve Pay integrates all three functions into a unified platform. Sellers offer Net 30, 60, or 90 terms to approved buyers while receiving up to 90-100% of invoice value within 1-2 business days. The platform offers non-recourse advances on eligible approved invoices, helping sellers reduce covered buyer non-payment exposure.

This integrated approach contrasts with platforms requiring coordination across multiple systems. Resolve Pay combines credit decisioning, eligible invoice advances, payments, AR automation, and collections within a unified seller-focused platform. Slope provides embedded credit and order-to-cash infrastructure for enterprise use cases, while Two combines B2B checkout, credit and fraud decisioning, upfront merchant payments, invoicing, and collections across multiple markets.

The Rise of Buy Now Pay Later in B2B Commerce

Consumer BNPL services from companies like Affirm and Klarna trained buyers to expect flexible payment options at checkout. This expectation has migrated into B2B transactions where businesses increasingly demand similar flexibility when purchasing supplies, equipment, and inventory.

B2B BNPL differs from consumer applications in several critical ways:

• Transaction sizes: B2B orders typically range from thousands to hundreds of thousands of dollars versus consumer purchases averaging under $200
• Risk assessment: Business creditworthiness requires evaluating company financials, payment history, and industry factors rather than individual credit scores
• Payment terms: B2B buyers expect 30, 60, or 90-day terms aligned with their cash conversion cycles, not the 4-payment installment plans common in consumer BNPL
• Integration requirements: B2B platforms must connect with ERP systems, accounting software, and existing order workflows

Resolve Pay emerged as a spinout from Affirm, bringing consumer BNPL expertise to B2B transactions. The platform's founding team includes former executives from Affirm, PayPal, and Amazon who understood how to adapt flexible payment experiences for commercial buyers.

B2B BNPL platforms can create value by allowing sellers to extend flexible payment terms while improving cash-flow predictability and supporting larger purchasing opportunities. Customer results demonstrate this value creation. Archipelago Lighting tripled revenue after implementing Resolve Pay, while reducing net terms approval time from 10 days to 24 hours. The ability to offer higher credit limits enabled larger orders from qualified buyers.

Securing Your Business Through Credit Assessment

Credit evaluation represents the gateway between lost sales and profitable customer relationships. Traditional B2B credit processes involved manual trade reference calls, spreadsheet tracking, and days or weeks of waiting before approving new customers.

AI-Powered Credit Decisioning

Modern AI-powered credit engines transform this bottleneck into a competitive advantage. Resolve Pay's proprietary AI evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver credit decisions in under 24 hours, with instant approvals available for some purchases up to $25,000.

The buyer experience matters as much as speed. Resolve Pay conducts credit checks that do not notify buyers or impact their credit scores. This approach removes friction from the purchasing process while providing sellers with accurate risk assessment.

Key Credit Decisioning Capabilities

• Real-time evaluation: Processing credit applications within seconds to hours rather than days
• Alternative data: Incorporating cash flow analysis, payment behavior, and industry signals beyond traditional credit bureau scores
• Dynamic limits: Adjusting credit lines based on payment history and relationship development
• Automated underwriting: Eliminating manual review for standard applications while flagging exceptions for human evaluation

Slope utilizes AI-powered underwriting through systems including SlopeAI and related technologies. Two employs its Delphi and Frida AI engines for credit decisions, with rapid approval capabilities and substantial credit limits.

Resolve Pay combines fast credit decisioning with non-recourse advances on eligible approved invoices, helping sellers improve cash flow while reducing covered buyer non-payment exposure.

Innovative Financing Structures for B2B Sellers

The distinction between recourse and non-recourse financing fundamentally changes the risk equation for B2B sellers.

Traditional invoice factoring often operates with recourse. This can improve near-term liquidity while leaving the seller exposed to contractual repayment obligations and collection risk depending on the factoring agreement.

Resolve Pay's Non-Recourse Model

Non-recourse financing shifts defined credit risk to the financing provider. Resolve Pay advances up to 90% of invoice value within 1-2 business days, with the remaining 10% released when buyers pay. The platform offers non-recourse protection on eligible approved advances.

Non-recourse structures can provide additional value by reducing defined buyer non-payment exposure on eligible approved invoices.

Financing Model Comparison

Resolve Pay:

• Non-recourse advances on eligible approved invoices
• Advances up to 90-100% of invoice value
• Funding within 1-2 business days
• Non-recourse protection on eligible approved advances

Slope:

• Embedded credit and financing infrastructure
• Risk structure varies by product and program
• Payment and financing workflows for eligible transactions
• Merchant risk treatment depends on the specific arrangement

Two:

• Non-recourse financing with upfront seller payment
• Fast funding at transaction completion
• Risk coverage on approved orders
• Operations across multiple markets

For US-based manufacturers and distributors seeking upfront liquidity and reduced covered buyer non-payment exposure, Resolve Pay combines non-recourse advances with integrated AR workflows.

Streamlining Operations with Accounts Receivable Automation

Manual AR processes drain resources while creating inconsistent customer experiences. Finance teams spend hours generating invoices, sending reminders, reconciling payments, and chasing collections. These activities consume time better spent on strategic work while introducing errors and delays.

Complete AR Lifecycle Management

AR automation software transforms these manual workflows into systematic processes. Resolve Pay's platform handles the complete AR lifecycle:

• Invoice generation: Automatic creation synced from ERP and accounting systems
• Payment reminders: Scheduled outreach through email, SMS, and other channels
• Reconciliation: ML-powered matching of payments to invoices
• Collections: Automated sequences with intelligent escalation
• Reporting: Real-time dashboards showing DSO, aging, and portfolio health

The productivity impact can be substantial. Trenchless Supply reported a 90% reduction in AR workload while achieving credit approvals in under 24 hours after adopting Resolve Pay.

Integration Depth and Automation Effectiveness

Integration depth determines automation effectiveness. Resolve Pay's current technical documentation supports low-code and no-code ERP integrations with QuickBooks Online and NetSuite, alongside API and data import/export options for additional systems.

The contrast with other platforms highlights different approaches. Slope emphasizes API-based embedded payment and credit infrastructure, with implementation requirements depending on the product and enterprise environment. Two offers ecommerce plugins as well as API-based integration options.

The Power of Automation in Collections Management

Collections represent a sensitive balance between recovering revenue and preserving customer relationships. Aggressive tactics damage long-term partnerships while passive approaches let receivables age and deteriorate.

Agentic Collections

Agentic Collections from Resolve Pay applies AI to this challenge through multi-channel automated sequences. The system deploys email, SMS, and voice AI outbound calls in configurable day thresholds, with intelligent escalation based on buyer response and payment history.

Key capabilities include:

• Multi-channel orchestration: Coordinated outreach across email, SMS, and voice
• Intelligent escalation: Automatic progression based on buyer engagement
• Automatic pause: Sequences stop when payment or dispute is received
• Interaction logging: Complete record of all communications
• Relationship preservation: Professional tone that maintains customer goodwill

The hybrid model combining AI and human agents distinguishes this approach. AI handles routine follow-ups while escalating complex situations to expert AR teams. This structure maintains efficiency while ensuring appropriate handling of sensitive accounts.

Customers using Resolve Pay report average DSO reduction of 15-20 days, with some achieving DSO reduction from 60+ days to as little as 1 day through the combination of advance payments and automated collections.

RentAll Construction noted quicker receivables directly contributing to healthier cash flow management after implementing the platform. This outcome reflects the dual benefit of immediate advances plus automated follow-up ensuring buyer payments arrive on schedule.

Business Credit Lines Supporting Customer Growth

Dynamic credit lines create ongoing relationships rather than one-time transactions. As buyers demonstrate payment reliability, expanding their credit limits encourages larger orders while rewarding good behavior.

Dynamic Credit Line Management

Resolve Pay's AI Credit Engine provides dynamic credit lines that adjust based on payment history. Initial limits reflect risk assessment at onboarding, with automatic adjustments as the system observes actual payment behavior.

This approach benefits both parties:

For sellers:

• Larger orders from established customers
• Reduced risk on expanded credit
• Automated limit management
• Data-driven credit decisions

For buyers:

• Growing purchasing power over time
• Recognition for payment reliability
• Simplified reordering process
• Consistent credit availability

The credit infrastructure connects directly to Resolve Pay's financing capability. Eligible approved invoices can qualify for non-recourse advances, helping sellers extend terms while reducing defined buyer non-payment exposure.

Case studies illustrate this advantage. Shields Childcare Supplies won new business by offering Net 90 terms they could not extend independently. The platform enabled competitive positioning without corresponding balance sheet risk.

Choosing Your B2B Payment Partner

Resolve Pay: The Integrated Platform for Manufacturers and Distributors

Resolve Pay serves mid-market B2B sellers with a unified platform combining net terms financing, credit decisioning, AR automation, and collections. The company raised $60M in Series A funding and supports 15,000+ businesses.

Core Strengths

• Non-recourse advances: Protection on eligible approved invoices
• Flexible implementation: Low-code and no-code options are available for supported platforms, with SDK and API options for custom deployments
• Comprehensive integration: Native connections to Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, and NetSuite
• Award-winning platform: 2025 BigCommerce Innovative Integration Award winner
• Support quality: 5.0/5 rating on G2 from 17 verified reviews

The platform handles the complete payment lifecycle from credit approval through collections. Sellers activate net terms, receive advances, and automate AR without assembling multiple vendors or managing complex integrations.

Customer Outcomes

• SS&SI Dealer Network: 5x revenue growth
• ConEquip: 30% year-over-year growth
• Archipelago Lighting: Tripled revenue, reduced approval time from 10 days to 24 hours
• Elston Materials: Increased margins from 25% to 30%

Slope: API-First Infrastructure for Enterprise Platforms

Slope provides embedded infrastructure for large platforms and marketplaces. The company has reported approximately $252M in total equity and debt funding and works with J.P. Morgan on embedded financing infrastructure.

Platform Characteristics

• API-first architecture: Custom integration capabilities for enterprise implementations
• Enterprise partnerships: Documented programs include Alibaba.com and Walmart Marketplace
• AI underwriting: SlopeAI and related systems for credit decisions
• Configurable financing infrastructure: Credit and risk structures vary by product and program
• Enterprise implementation: API and embedded infrastructure options support customized enterprise deployments

Slope serves enterprise platforms with dedicated development teams building custom B2B payment experiences.

Two: Multi-Market B2B Payment Infrastructure

Two operates across 19 markets, with coverage spanning Europe, the US, the UK, and the Nordics. The company has raised approximately $43M USD (€40M+) in total funding.

Platform Characteristics

• Fast credit decisions: Under 2 seconds for credit approval
• High credit limits: Substantial limits based on advanced credit assessment
• Fraud prevention: €70M ($76M USD) in fraud losses prevented in 2023
• Multi-market coverage: Headquarters in Oslo with offices in Stockholm and London
• E-commerce plugins: Integrations with Shopify, WooCommerce, Magento, and European platforms like Optimizely and Crystallize

Two provides B2B payment and net-terms infrastructure spanning checkout, credit and fraud assessment, merchant payouts, invoicing, and collections across multiple markets.

Seamless Integration Connecting Your B2B Payments Ecosystem

Integration capabilities determine whether a payment platform enhances existing operations or creates new complexity. The depth and breadth of connections impact implementation timeline, ongoing maintenance, and data accuracy.

Resolve Pay Integration Ecosystem

Resolve Pay provides native integrations across key e-commerce and accounting platforms:

E-commerce platforms:

• Shopify (native integration)
• BigCommerce (2025 Innovative Integration Award winner)
• Magento 2 (native integration)
• WooCommerce (native integration)

Accounting and ERP systems:

• QuickBooks Online
• Oracle NetSuite
• Additional systems can be supported through Resolve Pay's API and data integration options

Additional capabilities:

• REST API with webhooks for custom integrations
• Sandbox environment for development and testing
• White-label deployment options
• Mobile-responsive payment portal

Implementation requirements depend on the merchant's existing systems. Resolve Pay documents low-code and no-code integrations for supported ecommerce and ERP platforms, while its checkout SDK and APIs support more customized deployments.

Connected accounting integrations can synchronize customer, invoice, payment, and related transaction data with Resolve Pay, reducing manual reconciliation work.

Slope provides API-based infrastructure for customized enterprise deployments. Two offers ecommerce plugins as well as API-based integration options.

For mid-market B2B sellers seeking streamlined deployment with comprehensive connectivity, Resolve Pay's integration ecosystem provides multiple deployment options.

Customer Experience Through White-Label Payment Portals

Brand consistency throughout the buyer journey builds trust and reinforces professional relationships. Payment experiences bearing third-party branding can confuse customers and dilute seller identity.

Resolve Pay offers white-labeled payment portals maintaining seller branding throughout the buyer experience. Customers interact with a professional portal showing:

• All outstanding invoices and payment history
• Available credit lines and limits
• Multiple payment options (ACH, wire, credit card, check)
• Self-service payment plans and dispute flagging
• Secure login with mobile-responsive design

The branded experience extends across all touchpoints from credit applications through payment collection. Buyers engage with the seller's brand rather than a third-party payment company.

Why Resolve Pay for Your B2B Payment Needs

Resolve Pay delivers a complete solution for mid-market B2B sellers who need to offer competitive net terms while protecting cash flow and reducing operational burden. The platform combines non-recourse advances on eligible approved invoices, rapid AI-powered credit decisioning, comprehensive AR automation, and intelligent collections in a unified system.

With a 5.0/5 G2 rating from verified users, the 2025 BigCommerce Innovative Integration Award, and proven customer outcomes including 5x revenue growth and 90% AR workload reduction, Resolve Pay serves over 15,000 businesses with a seller-focused approach. The platform's flexible integration options, white-label payment portals, and expert support team enable manufacturers, distributors, and wholesalers to deploy net terms capabilities without requiring extensive technical resources or accepting balance sheet risk.

For US-based B2B sellers prioritizing cash flow protection, operational efficiency, and customer experience, Resolve Pay provides an integrated platform that transforms net terms from a cash flow burden into a competitive advantage.

Frequently Asked Questions

What is the main difference between non-recourse financing and traditional factoring?

Traditional invoice factoring often operates with recourse, which can improve near-term liquidity while leaving the seller exposed to contractual repayment obligations and collection risk. Resolve Pay's non-recourse model provides advances on eligible approved invoices with protection against covered buyer non-payment. Sellers receive advances up to 90-100% of invoice value within 1-2 business days, reducing defined exposure on approved transactions.

How does Resolve Pay's AI Credit Engine provide real-time decisions?

Resolve Pay evaluates buyer creditworthiness using alternative data sources including cash flow trends, payment history, and behavioral signals. The AI-powered system delivers decisions in under 24 hours, with instant approvals available for some purchases up to $25,000. This approach removes friction from the buying process while providing accurate risk assessment without impacting traditional credit scores.

Can Resolve Pay integrate with my existing accounting systems?

Yes. Resolve Pay's current integration documentation supports QuickBooks Online and Oracle NetSuite as low-code or no-code ERP integrations. The platform also provides API and data integration options for additional accounting and ERP workflows. Connected integrations can synchronize customer, invoice, payment, and transaction data, reducing manual reconciliation work.

What kind of businesses benefit most from B2B payment platforms like Resolve Pay?

Mid-market B2B sellers with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries see substantial benefits. Primary customers include HVAC parts distributors, electrical and plumbing suppliers, industrial equipment manufacturers, medical device distributors, and construction materials suppliers. These businesses need to offer competitive net terms while maintaining cash flow for operations and growth.

How does Resolve Pay's Agentic Collections preserve customer relationships while reducing DSO?

Agentic Collections uses a hybrid model combining AI automation with human expertise. Automated multi-channel sequences deploy email, SMS, and voice AI outreach based on configurable thresholds. The system pauses automatically when payments or disputes are received and uses professional tones that maintain customer goodwill. Intelligent escalation routes complex situations to expert AR teams, with customers reporting average DSO reduction of 15-20 days.

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.