ResolvePay vs Behalf vs FundThrough: B2B Invoice Financing Compared in 2026

Resolve is the strongest choice for B2B suppliers who want to offer net terms, get paid upfront, and automate their entire AR workflow. Behalf historically served buyers who needed flexible purchase financing at the point of sale, but it no longer appears to be an active standalone option. FundThrough excels at fast, flexible invoice factoring with up to 100% advances and no long-term contracts. All three platforms solve the same core problem — B2B companies waiting 30-90 days to get paid — but they approach it from fundamentally different angles. This ResolvePay vs Behalf vs FundThrough comparison breaks down every feature, fee, and use case so you can pick the right fit.

Key Takeaways

• Net Terms Management: Resolve is the only platform that lets sellers offer 30/60/90-day terms while getting paid in 1 day, combining financing with full AR automation
• AR Automation: Resolve delivers full invoicing, reminders, collections, and real-time dashboards — eliminating manual AR work by up to 90%
• Pricing Transparency: Resolve offers competitive non-recourse pricing with no variable rates or hidden costs
• Flexible Purchase Financing: Behalf provides virtual card financing up to 180 days at the point of purchase, the longest repayment window in this comparison
• No-Contract Factoring: FundThrough offers spot factoring with no long-term commitment, ideal for businesses that want selective invoice funding
• Credit Risk Protection: Resolve's non-recourse advances mean sellers keep the money even if a buyer defaults
• ERP Integrations: Resolve connects natively to NetSuite, QuickBooks, Shopify, and BigCommerce with bi-directional sync
• Low Entry Barrier: Behalf allows financing starting at $300 per transaction, making it accessible for small purchases
• Industry Recognition: FundThrough has been recognized by outlets such as Forbes Advisor and Investopedia as a leading invoice factoring provider

Quick Overview

Resolve 

Resolve is a B2B commerce platform that enables suppliers to offer net 30, 60, or 90-day payment terms to their buyers while receiving payment upfront — typically within 24 hours. Built by Affirm and PayPal alumni, the platform combines net terms financing with a smart credit engine that delivers instant credit decisions, a white-label buyer payment portal, and full AR automation.

The platform handles invoicing, payment reminders, and collections workflows end-to-end. Over 15,000 businesses use Resolve to shrink DSO from 60+ days to 1 day without taking on credit risk, since all advances are non-recourse. According to G2 reviews, Resolve earns consistently high marks for customer support quality and ease of integration with existing ERP systems. 

Behalf

Behalf was a New York-based B2B financing company founded in 2011 that offered purchase financing at the point of sale. Rather than helping sellers manage net terms, it focused on the buyer side — historically using virtual card-based financing that let businesses spread purchases over short repayment windows.

Backed by $319M in total funding and a Visa investment partnership, Behalf integrates directly into merchant checkout flows. The platform also reports payments to business credit bureaus, helping buyers build business credit while managing cash flow.

FundThrough

FundThrough is a Toronto-based invoice factoring company that took over BlueVine’s invoice factoring business that specializes in fast, flexible factoring with no long-term contracts. The platform advances up to 100% of invoice value — one of the highest advance rates in the industry — with flat rates starting at 2.75% for invoices due within 30 days.

ResolvePay vs Behalf vs FundThrough: Feature-by-Feature Comparison

Pricing Comparison

Understanding the true cost of each platform requires looking beyond headline rates.

Resolve Pricing

Resolve charges transparent pricing based on the net terms period:

• Competitive non-recourse rates that scale with term length
• Flexible advance rates up to 100% — choose the level that fits your cash flow needs
• ACH and wire transfers: Included at no extra cost
• No setup fees, no monthly minimums, no hidden fees

Resolve advances a significant portion of each invoice within 24 hours, with the remainder paid when the buyer pays on terms. The fee is a small percentage that covers financing, credit checks, and non-recourse protection, the ROI of accelerating cash conversion typically far exceeds the financing cost for mid-market suppliers.

Behalf Pricing

Behalf's pricing is transaction-based and varies by creditworthiness:

• Financing range: $300 to $50,000 per transaction
• Terms: NET 30 to 180 days
• NET 30 option: 0% financing fee if paid within 30 days (select merchants only)
• Standard financing: Fee varies by credit profile and term length
• Payment schedules: Weekly or monthly

Behalf's pricing varies based on the buyer's credit profile, transaction amount, and repayment term. The NET 30 interest-free option is attractive for buyers who can pay within 30 days. According to NerdWallet's analysis of business financing, understanding the full fee structure before committing is important for managing total financing costs.

FundThrough Pricing

FundThrough’s pricing is generally presented as a flat-rate range rather than a single public rate card, with fees varying based on invoice profile, customer quality, and repayment timing.

Advance rate: Up to 100% of invoice value (minus fee)

• Custom pricing: Available for invoices over $1,000,000
• Fee structure: Transparent flat rates with no hidden fees
• Contract: No long-term commitment

FundThrough's rates are competitive for short-term invoices (under 30 days). FundThrough's 100% advance rate and no-contract model are key differentiators in the factoring market.

Cost Comparison: $50,000 Invoice, 30-Day Terms

Note: FundThrough's higher advance rate produces a slightly lower total fee on 30-day invoices, but Resolve's non-recourse protection means you keep your advance even if the buyer does not pay — a risk shield that provides additional value beyond the raw fee comparison. 

Platform Strengths

Resolve

• Non-recourse financing eliminates credit risk — what you receive is yours to keep, regardless of buyer payment outcomes
• Smart Credit Engine delivers instant buyer credit decisions using AI, accelerating the buyer onboarding process
• White-label payment portal keeps your brand front and center throughout the entire payment experience
• Full AR automation — invoicing, reminders, collections, real-time dashboard — reduces manual AR overhead by up to 90%
• Flexible advance rates up to 100% let you balance cost vs cash flow based on your specific needs
• Deep ERP integrations with NetSuite, QuickBooks, Shopify, and BigCommerce with bi-directional sync
• 15,000+ businesses on the platform with Affirm/PayPal engineering pedigree
• Buyer credit lines up to $250,000 support larger B2B transactions
• Dedicated human AR team provides collections support alongside AI automation
• Transparent pricing — one of the few B2B financing platforms with clear, competitive non-recourse rates

Behalf

• Flexible terms up to 180 days — the longest repayment window of the three platforms
• Virtual card works anywhere Visa/Mastercard is accepted, providing broad merchant acceptance
• Low entry barrier at $300 per transaction, making it accessible for purchases of any size
• NET 30 interest-free option with select merchants for buyers who pay within 30 days
• Reports to business credit bureaus — helps buyers build credit, according to Investopedia's guide to business credit
• Same-day merchant payment on virtual card transactions
• Backed by $319M in total funding with Visa investment partnership
• Integrates into merchant checkout flows for seamless buyer experience
• Buyer-friendly application process with automated decisioning

FundThrough

• Up to 100% advance rate — the highest of the three platforms.
• No long-term contracts — factor individual invoices as needed with complete flexibility
• Named Best Overall Factoring Company by Forbes Advisor, Investopedia, and US News
• Fast 5-minute application with AI-powered underwriting
• QuickBooks and OpenInvoice integration for streamlined workflow
• Unlimited funding capacity — no cap on total advances, supporting fast-growing businesses
• Transparent flat-rate pricing structure with clear tiered rates
• Part of the BlueVine ecosystem, adding financial infrastructure depth
• Spot factoring model lets you choose exactly which invoices to fund

Who Should Choose Resolve

Resolve is the right choice if you are a B2B supplier or manufacturer who wants to:

• Offer net terms as a competitive advantage — let buyers pay in 30, 60, or 90 days while you get paid upfront within 24 hours. According to Investopedia's trade credit analysis, offering net terms is one of the most effective B2B growth levers.
• Eliminate credit risk entirely — Resolve's non-recourse model means you keep your advance even if buyers default, providing certainty on every transaction
• Automate your AR workflow — stop chasing invoices manually and let Resolve handle credit checks, invoicing, reminders, and collections end-to-end
• Maintain your brand experience — the white-label portal means buyers interact with your brand, not a third-party financing company, preserving your customer relationships
• Integrate with your existing stack — Resolve connects natively to NetSuite, QuickBooks, Shopify, and BigCommerce with bi-directional sync that eliminates manual reconciliation
• Scale net terms without scaling headcount — AR automation reduces manual work by up to 90%, letting your finance team focus on strategic work
• Increase average order values — businesses that offer net terms see 30-60% higher order values according to industry research

Resolve works best for mid-market B2B suppliers doing $500K+ in annual receivables who want a complete net terms and AR platform — not just a cash advance on individual invoices.

Who Should Choose Behalf

Behalf is the right choice if you are a business buyer who wants to:

• Finance purchases at the point of sale — apply for financing when you place an order, with automated credit decisions that do not slow down the purchasing process
• Access flexible repayment terms — choose from NET 30 to 180-day repayment schedules based on your cash flow needs and the transaction amount
• Use virtual cards for broad acceptance — pay any Visa/Mastercard-accepting merchant without requiring them to sign up for a platform
• Build business credit — Behalf reports to credit bureaus, turning routine purchases into credit-building activity that strengthens your business credit profile over time
• Start small — financing begins at $300, making it accessible for businesses of any size and purchase volume
• Take advantage of interest-free periods — the NET 30 option with select merchants provides cost-free short-term financing

Behalf is fundamentally a buyer-side tool. If you are a seller looking to offer net terms or manage AR, Behalf serves a different use case. But for small-to-mid-size businesses that need flexible purchase financing with broad merchant acceptance, it fills a valuable role in the B2B financing ecosystem.

Who Should Choose FundThrough

FundThrough is the right choice if you are a business that wants to:

• Get the maximum advance on individual invoices — FundThrough's 100% advance rate is the highest available, giving you full invoice value upfront minus the transparent flat fee
• Factor selectively with no commitment — pick which invoices to fund with no long-term contracts, giving you complete control over when and how you use factoring
• Keep things simple — FundThrough does one thing (invoice factoring) and does it well, with a 5-minute application and clear, tiered pricing that is easy to understand
• Access unlimited funding — there is no cap on total funding volume, making it viable for fast-growing companies with expanding receivables

FundThrough is best for SMBs with $100K+ in accounts receivable who need straightforward invoice factoring. If you need AR automation, net terms management, or non-recourse protection, Resolve provides those capabilities as part of its integrated platform.

Final Verdict

For B2B suppliers evaluating invoice financing in 2026, the right choice depends on which side of the transaction you are on and how much of your AR workflow you want to automate.

Resolve is the most complete platform for sellers. It combines net terms financing, non-recourse credit protection, AI-powered buyer credit decisions, and full AR automation into a single system. You offer terms, get paid in a day, and let automation handle the rest. The combination of financing and AR automation in a single platform delivers the highest ROI for mid-market B2B suppliers.

Behalf serves the buyer side of B2B transactions — it helps businesses finance purchases via virtual cards with flexible repayment up to 180 days. If your buyers need financing help and you want to offer embedded checkout financing, Behalf can complement your payment options and help buyers build business credit in the process.

FundThrough offers the simplest, most flexible invoice factoring on the market with industry-leading 100% advance rates and no contracts. Its recognition by Forbes Advisor, Investopedia, and NerdWallet reflects the quality of its focused factoring product.

For B2B suppliers who want to turn net terms into a growth engine while protecting cash flow and reducing AR overhead, Resolve delivers the most value.

Get started with Resolve →

Frequently Asked Questions 

What is the main difference between ResolvePay, Behalf, and FundThrough?

Resolve is a seller-side net terms financing and AR automation platform — you offer buyers payment terms and get paid upfront. Behalf is buyer-side purchase financing — the buyer applies for financing at checkout via virtual card. FundThrough is invoice factoring — you sell outstanding invoices to get cash faster. Each serves a different role in B2B payments: seller financing, buyer financing, and invoice factoring respectively.

Is ResolvePay non-recourse?

Yes. Resolve advances are non-recourse, meaning if a buyer fails to pay their invoice, you keep the advance. This provides significant protection compared to traditional factoring models where recourse clauses may apply. Per Investopedia's guide to non-recourse financing, non-recourse structures transfer credit risk from the seller to the financing provider, which is particularly valuable for suppliers extending credit to new or growing buyer accounts.

Can I use Behalf as a seller to offer financing to my buyers?

Behalf can integrate into merchant checkout flows to let buyers finance purchases at the point of sale. The buyer applies for financing, and if approved, Behalf issues a virtual card to complete the purchase. The seller receives payment via the virtual card transaction. If you want a seller-managed net terms platform with full AR automation and non-recourse protection, Resolve is designed for that use case.

How does customer notification work with each platform?

Resolve uses a white-label payment portal — your buyers interact with your brand throughout the payment process, maintaining your customer relationships seamlessly. Behalf processes transactions through virtual cards, so the merchant sees a standard card payment. FundThrough notifies your customers when it takes over invoice collection as part of the factoring process. The notification approach is an important consideration depending on how you want your buyer relationships managed.

What is the minimum amount needed to use each platform?

Resolve requires a B2B business with invoiced sales and does not list a public minimum accounts receivable requirement, making it accessible for growing businesses. Behalf allows financing starting at $300 per transaction, the most accessible for small purchases. FundThrough requires a minimum of $100,000 in outstanding accounts receivable to qualify, reflecting its focus on established businesses with meaningful invoice volume.

How fast does each platform fund advances?

Resolve typically funds within 24 hours of invoice approval, providing next-day working capital. Behalf pays merchants same-day when using virtual card transactions, the fastest in this comparison. FundThrough can advance funds as early as the next business day after approval. All three platforms offer significantly faster access to cash than waiting for standard net terms payment, which averages 45-60 days in most B2B industries.

Which platform is best for mid-market B2B suppliers?

Resolve is purpose-built for mid-market B2B suppliers doing $500K+ in annual receivables. The platform combines net terms management, non-recourse financing, AI credit decisions, and full AR automation in a single solution. FundThrough serves mid-market businesses well for straightforward factoring needs. Behalf primarily serves the buyer side of B2B transactions. Mid-market suppliers benefit most from platforms that integrate financing with AR workflow automation, reducing both cash flow gaps and operational overhead.

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.