Selecting the right B2B financing solution can determine whether your business thrives or struggles with cash flow constraints. While Two focuses on European B2B checkout financing and OnDeck provides traditional business loans, Resolve Pay delivers comprehensive net terms financing with non-recourse protection and integrated AR automation for US and Canadian B2B suppliers. Understanding these fundamental differences between invoice financing platforms, checkout-focused BNPL, and business lending helps manufacturers, distributors, and wholesalers select the approach that matches their growth objectives, risk tolerance, and operational needs.
When B2B suppliers evaluate financing options for offering payment terms to customers, the choice between integrated net terms platforms, checkout-focused BNPL, and traditional business lending becomes critical. Three distinct approaches represent fundamentally different philosophies toward B2B cash flow management. Two operates as a B2B BNPL solution focused on European markets with instant checkout approvals. OnDeck functions as a business lender providing capital directly to businesses. Resolve Pay takes a different approach, delivering comprehensive net terms financing with non-recourse protection, AR automation, and customer-based credit qualification.
The B2B financing market encompasses three distinct categories, each serving different operational models and business objectives. Understanding these fundamental differences helps finance leaders select tools aligned with their growth stage and execution capacity.
Business lending platforms like OnDeck serve as capital sources for merchants who need working capital for operations. These platforms provide term loans and lines of credit that businesses must repay with interest. The value proposition centers on fast access to capital for inventory, equipment, payroll, or expansion. According to Small Business Administration data, alternative lenders have expanded access to capital for businesses that may not qualify for traditional bank financing.
Checkout-focused B2B BNPL solutions like Two represent an evolution in point-of-sale financing, using AI to enable instant credit decisions at checkout. These platforms typically focus on European markets and enable merchants to receive upfront payment while buyers pay on terms. Two has expanded from its European base into North America and provides B2B payment infrastructure tailored to the markets it serves.
Integrated net terms platforms like Resolve Pay represent a comprehensive approach combining net terms financing, AR automation, credit decisioning, and collections management. Rather than simply advancing capital, Resolve Pay enables B2B sellers to offer Net 30/60/90 payment terms while receiving payment within 1-2 business days and transferring credit risk on approved invoices. The system operates with competitive pricing and includes infrastructure that would require multiple separate tools in traditional models.
Resolve Pay operates as a B2B payments platform that originated as an Affirm spinout, focused on enabling manufacturers, distributors, and wholesalers to offer net payment terms to business buyers while receiving immediate cash and offloading credit risk.
The platform runs continuously with non-recourse financing that advances up to 100% of invoice value within 1-2 business days. On approved invoices, Resolve Pay assumes covered buyer default risk on eligible approved invoices, subject to applicable program terms, meaning merchants keep funds even if approved buyers default. This helps reduce seller exposure to bad debt on eligible covered transactions that traditional factoring and business loans cannot address.
The AR automation capabilities distinguish Resolve Pay's approach. The platform handles:
Customers report AR workload reduction of up to 90%, eliminating manual invoice entry, reconciliation, and payment tracking.
Resolve Pay's AI Credit Engine evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. Credit decisions typically complete within 24 hours with quiet credit checks that don't impact buyer credit scores or notify them of the evaluation. This approach enables newer businesses or those with limited credit history to offer competitive net terms based on their customers' financial strength rather than their own credit profile.
The platform's effectiveness translates to measurable business outcomes:
Resolve Pay provides native integrations with:
Implementation typically completes within 2-4 weeks with dedicated support throughout onboarding.
Two positioned itself as a B2B BNPL platform with strong European presence, operating across the UK, Nordics, and Pan-Europe with recent expansion into US markets. The company was founded in 2020 and has raised approximately $44 million USD in total capital with a team of 70+ employees across 20+ nationalities.
The platform's core strength lies in instant credit decisions at checkout, with their Delphi AI engine delivering sub-2-second approvals. This speed enables seamless point-of-sale financing experiences where buyers can complete purchases with payment terms without friction.
Two offers flexible payment structures including 7-120 day payment terms and installment options extending from 3-36 months. The company handles collections management and absorbs credit and fraud risk on approved transactions, providing merchants with 100% upfront payment.
Several characteristics define Two's market position:
Two's Delphi AI engine provides rapid credit decisioning that enables checkout conversion optimization. The platform operates across 15 countries with multi-currency support.
Two manages collections as part of its B2B payments workflow, while Resolve Pay also integrates invoicing, reconciliation, payment reminders, and accounting workflows. Two primarily handles collections management, whereas Resolve Pay provides comprehensive AR workflow automation including invoicing, payment reminders, reconciliation, and accounting sync that reduces manual work by 90%.
OnDeck operates as a small business lender designed to provide working capital for merchants who need cash for operations. The platform provides term loans ranging from $5,000 to $400,000 and lines of credit from $6,000 to $200,000 with streamlined online applications and potential same-day funding.
The platform serves businesses seeking capital for unrestricted purposes including inventory, equipment, payroll, expansion, and general operational needs. OnDeck functions as an alternative to traditional bank loans for businesses that may not qualify for conventional financing.
OnDeck operates in a fundamentally different product category than net terms financing platforms. Several characteristics define OnDeck's model:
OnDeck serves businesses seeking working capital for their own operations, while Resolve Pay is designed around financing approved customer invoices and managing B2B net terms.
Credit evaluation approaches differ substantially across these three platforms, with significant implications for merchant risk exposure and approval rates.
The risk management implications favor Resolve Pay for B2B sellers seeking to offer payment terms without personal financial exposure.
Accounts receivable automation capabilities represent a critical differentiator, particularly for businesses seeking to reduce operational overhead while improving cash flow.
Resolve Pay provides comprehensive AR workflow automation including:
For US and Canadian B2B sellers using major ecommerce and accounting platforms, Resolve Pay's native integrations connect its net terms and AR workflows with commonly used business systems.
Two manages collections as part of its payment workflow. Merchants receive upfront payment, reducing receivables complexity. The platform's primary focus is on checkout experience and collections rather than full AR workflow automation.
OnDeck provides no accounts receivable automation capabilities. The platform focuses solely on lending, not receivables management. Businesses must maintain separate AR systems and processes.
For B2B sellers managing significant invoice volumes, Resolve Pay combines financing with invoicing, reconciliation, payment reminders, and collections automation in one receivables workflow.
Resolve Pay is built around B2B net terms, receivables automation, and faster access to cash from approved invoices. Its platform combines:
Two approaches B2B financing primarily through embedded payment terms and checkout workflows. Its platform supports real-time buyer credit decisions, upfront merchant payment, and collections management across multiple markets.
OnDeck operates in small business lending rather than customer net terms. Its products include business term loans and lines of credit intended for working capital and operational funding needs.
For manufacturers, distributors, and wholesalers seeking to offer competitive payment terms while maintaining healthy cash flow, Resolve Pay combines net terms financing, credit decisioning, AR automation, payments, and collections in one platform.
Comprehensive platform approach: Rather than point solutions requiring multiple vendors, Resolve Pay integrates credit decisioning, net terms financing, AR automation, payment processing, and collections management in a single solution.
Proven customer success: Documented results include:
Exceptional customer satisfaction: A perfect 5.0/5 G2 rating with 100% 5-star reviews indicates consistent delivery on promises.
Risk reduction: non-recourse financing on approved invoices means merchants keep funds regardless of buyer payment behavior.
Operational efficiency: AR automation reducing manual work by 90% enables teams to scale without proportional headcount increases, often delivering positive ROI when accounting for labor savings and bad debt elimination.
Resolve Pay and OnDeck serve different financing workflows. Resolve Pay enables Net 30/60/90 payment terms for business buyers while helping sellers accelerate cash flow through approved invoice advances and non-recourse protection. OnDeck provides term loans and lines of credit directly to businesses for working capital needs. Resolve Pay is designed for B2B sellers that want to extend customer payment terms while accelerating cash flow and reducing receivables administration.
Resolve Pay's credit engine evaluates buyer creditworthiness rather than merchant credit, meaning newer businesses or those with limited credit history can still offer competitive net terms if their customers have strong financial profiles. The AI analyzes thousands of data points including cash flow trends and payment history to make decisions within 24 hours, without impacting buyer credit scores.
Yes, Resolve Pay provides native integrations with major platforms including Shopify, BigCommerce, WooCommerce, Magento 2, QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The bi-directional sync automatically pulls invoice data and writes back payment reconciliation, eliminating manual data entry. Most teams complete implementation within 2-4 weeks with dedicated support throughout onboarding.
Resolve Pay focuses specifically on US and Canadian markets with deep integrations for North American ERP and ecommerce platforms, while Two has a stronger European presence. Resolve Pay provides comprehensive AR automation that reduces manual work by 90%, whereas Two primarily handles collections management. For B2B suppliers operating primarily in North America, Resolve Pay offers relevant integrations and proven customer success in similar markets.
Resolve Pay serves mid-market B2B sellers typically generating $1M+ in annual revenue across 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. The platform works best for businesses that want to offer competitive payment terms to customers without taking on credit risk.
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.