ResolvePay vs Capchase

When B2B businesses need to accelerate cash flow while offering flexible payment terms to customers, choosing between financial technology solutions becomes a critical decision. According to the Federal Reserve's research on B2B payments, managing business payments and credit terms effectively is crucial for maintaining healthy cash flow. Two prominent options—ResolvePay and Capchase—represent fundamentally different approaches to B2B commerce financing. While Capchase specializes in revenue-based financing for SaaS companies, ResolvePay offers a comprehensive embedded payments platform designed for manufacturers, distributors, and wholesalers across all B2B sectors. This comparison explores how ResolvePay's integrated approach delivers comprehensive solutions for businesses that need accounts receivable automation, non-recourse financing, and seamless payment infrastructure across diverse industries.

Key Takeaways

• ResolvePay provides 100% non-recourse financing with zero merchant liability for approved transactions
• ResolvePay's transparent pricing features fees as low as USD $3.15% for 30-day net terms, offering predictable cost structures
• ResolvePay reduces manual accounts receivable work by approximately 50% through AI-powered automation
• ResolvePay serves all B2B businesses with USD $1M+ annual revenue across manufacturing, distribution, wholesale, and other sectors
• ResolvePay offers white-label payment portals and native e-commerce integrations, maintaining brand control and customer relationships
• Capchase specializes in SaaS-focused revenue-based financing for companies with USD $1M+ ARR

Understanding Each Company's Core Positioning

Capchase: SaaS-Focused Revenue Financing

Capchase positions itself as a revenue-based financing platform specifically designed for SaaS and software companies. Founded in 2020 and operating across 9 countries, Capchase has facilitated over USD $2.5 billion in financing since its inception. The platform specializes in B2B BNPL solutions that allow software vendors to receive upfront payment while customers pay over time, with a focus on multi-year contracts and complex SaaS deal structures.

ResolvePay: Comprehensive B2B Payments Platform

ResolvePay takes a different approach as a comprehensive B2B payments platform. Founded in 2019 as a spin-off from Affirm, ResolvePay serves as an integrated solution that combines embedded credit expertise, invoice financing, and payment infrastructure into a single platform. The platform serves 15,000+ businesses across manufacturing, distribution, wholesale, and other B2B sectors. The platform's guiding vision is "simple, relational, and embedded" payments that enhance customer relationships while streamlining complex workflows.

The fundamental difference lies in scope: Capchase provides specialized SaaS financing, while ResolvePay offers a complete B2B commerce platform that works across all industries and transaction types.

Service Offerings Show Distinct Strategic Focuses

Capchase's Service Portfolio

Capchase focuses on SaaS-specific financing needs:

• Revenue-based financing for SaaS companies with USD $1M+ ARR
• B2B BNPL solutions with flexible schedules such as monthly, quarterly, and extended net-term options
• Multi-year contract financing with complex payment structures
• CRM-native integrations with Salesforce and HubSpot
• Global coverage across 10 countries for international SaaS operations

This specialized approach is designed for established SaaS companies needing growth capital and flexible customer payment options.

ResolvePay's Comprehensive Services

ResolvePay's services encompass the entire B2B commerce lifecycle:

• Accounts receivable automation with AI-powered workflows that reduce manual work by approximately 50%
• B2B net terms with 30, 60, or 90-day payment options to enhance buyer loyalty
• 100% non-recourse invoice financing with advance payments available
• Business credit checks with instant decisions powered by proprietary AI models
• Native e-commerce integrations for Shopify, BigCommerce, WooCommerce, and Magento
• White-label payment portals accepting ACH, wire, credit card, and check

The comprehensive nature of ResolvePay's platform allows businesses to streamline their entire credit-to-cash workflow. Research from the U.S. Small Business Administration on cash flow management emphasizes the importance of efficient receivables processes for business health. ResolvePay automates the entire AR lifecycle, improving DSO by 30-60 days and reducing the manual workload that often burdens finance teams.

Pricing Models Reflect Different Value Propositions

Capchase's Pricing Structure

Capchase's pricing includes:

• Variable fee per deal based on specific circumstances
• No setup fees or monthly minimums
• Fee bearer can be vendor, buyer, or split between parties
• Full Annual Contract Value (ACV) or Total Contract Value (TCV) funded upfront
• Implementation timeline under 24 hours

ResolvePay's Pricing Structure

ResolvePay's pricing structure features:

• Fees as low as USD $3.15% for 30-day net terms with transparent, risk-based pricing
• Risk-based advance rates available at multiple tiers
• No setup fees, monthly minimums, or hidden costs
• Non-recourse financing with zero merchant liability for approved transactions
• Implementation timeline of hours to days

ResolvePay's pricing structure provides transparent, predictable costs with comprehensive AR automation included. The integrated approach eliminates the need for separate financing and automation solutions, streamlining operations and reducing overall costs.

Target Customers Reveal Strategic Alignment Differences

Capchase's Target Market

Capchase primarily serves SaaS and software companies, typically with USD $1M+ Annual Recurring Revenue (ARR). Their ideal clients are established software vendors operating in multiple countries who need financing for complex, multi-year contracts. The platform's global presence across 10 countries (US, Canada, UK, Ireland, Spain, Belgium, Netherlands, Finland, Sweden, Denmark) and CRM-native integrations support SaaS companies with sophisticated sales workflows.

ResolvePay's Target Market

ResolvePay targets all B2B businesses with USD $1M+ annual B2B revenue, regardless of industry. This includes manufacturers, distributors, wholesalers, and other traditional B2B commerce participants. Notable clients span diverse sectors, from ConEquip in construction equipment to Archipelago in luxury goods.

This distinction reflects each platform's strategic focus. ResolvePay's industry-agnostic model serves businesses across traditional B2B sectors that need solutions for invoicing, net terms, and accounts receivable management beyond SaaS-specific use cases.

Technology and Automation Capabilities Demonstrate Platform Depth

Capchase's Technology Stack

Capchase's technology emphasizes CRM integration and payment processing:

• Salesforce and HubSpot native applications
• Digital checkout embedding for B2B BNPL
• ACH, credit card, and Stripe payment processing
• 24-48 hour initial credit offers with 72-hour maximum approval
• Dashboard for deal management and payment tracking

ResolvePay's Technology Platform

ResolvePay provides comprehensive B2B commerce automation:

• AI-powered accounts receivable automation reducing manual work by approximately 50%
• Instant credit decisions powered by proprietary AI models
• QuickBooks auto-bookkeeping with automatic transaction syncing
• White-label payment portals maintaining brand control
• Native e-commerce integrations for seamless checkout experiences
• LLM-powered invoicing workflows ensuring automatic reconciliation

According to industry research on accounts receivable automation, automation significantly reduces processing time and errors. ResolvePay's comprehensive automation addresses the entire invoice-to-cash lifecycle, delivering operational efficiency gains that extend beyond payment processing alone. For businesses managing complex B2B transactions, ResolvePay's AI-powered AR automation eliminates the manual overhead of credit management, invoicing, payment reminders, and collections.

Risk Management and Credit Assessment Approaches

Capchase's Risk Management

Capchase's risk management focuses on SaaS-specific underwriting:

• Revenue-based financing tied to Monthly Recurring Revenue (MRR)
• Collection and default risk assumed by Capchase
• 24-48 hour initial offers with full approval within 72 hours
• SaaS-specific data points for credit assessment
• Global underwriting capabilities across 10 countries

ResolvePay's Credit Assessment

ResolvePay's credit assessment leverages B2B commerce expertise:

• 100% non-recourse financing with zero merchant liability for approved transactions
• Instant credit decisions within seconds to 24 hours
• Proprietary AI models evaluating thousands of buyer data points
• Credit expertise from professionals with backgrounds at Amazon, PayPal, and Fortune 500 firms
• Free business credit checks requiring only company name and address

ResolvePay's 100% non-recourse structure means that approved advance payments are yours to keep, eliminating bad debt risk for approved transactions. This approach allows businesses to offer net terms confidently while ResolvePay assumes the majority risk of late payments or defaults on approved invoices.

Integration Ecosystems Show Different Priorities

Capchase's Integration Focus

Capchase's integrations center on CRM platforms:

• Salesforce native application for seamless sales workflow
• HubSpot native application for automated customer qualification
• General accounting and billing system integrations
• API access for custom implementations
• Digital checkout embedding capabilities

ResolvePay's Integration Ecosystem

ResolvePay's integration ecosystem spans the entire B2B tech stack:

• Native e-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento
• Accounting and ERP integrations with QuickBooks, NetSuite, Sage Intacct, and Xero
• QuickBooks auto-bookkeeping eliminating manual reconciliation
• Flexible APIs for custom implementations
• Checkout extensions for embedded net terms application

The integration approach reflects each platform's core focus. ResolvePay provides comprehensive connectivity across the B2B commerce ecosystem, enabling seamless operation across online and offline channels for businesses managing diverse transaction types.

Global Reach and Market Presence

Capchase's Global Presence

Capchase's global presence reflects its SaaS focus:

• Operations across 10 countries (US, Canada, UK, Ireland, Spain, Belgium, Netherlands, Finland, Sweden, Denmark)
• Multi-currency support for international SaaS operations
• G2 #1 ranking in B2B BNPL category
• 10,000+ vendors and buyers (2,000 active)
• Over USD $2.5 billion in financing facilitated since 2020

ResolvePay's Market Presence

ResolvePay's market presence demonstrates broad B2B adoption:

• Primarily US-focused with scalable global potential
• 5.0/5 rating on G2 with 15,000+ businesses served
• Strong presence across manufacturing, distribution, and wholesale sectors
• Over USD $85 million in funding from investors including Insight Partners, Initialized Capital, and Commerce Ventures
• Comprehensive case studies across diverse B2B verticals

Both platforms demonstrate strong market validation in their respective focus areas, with Capchase excelling in global SaaS operations and ResolvePay showing deep penetration across traditional B2B commerce sectors.

Why ResolvePay Delivers Comprehensive Value for B2B Businesses

B2B businesses across manufacturing, distribution, wholesale, and other traditional commerce sectors need solutions that address the full spectrum of receivables management, from credit assessment through final collection. ResolvePay's integrated platform is purpose-built for these operational needs.

Key Advantages of ResolvePay's Approach

• Comprehensive automation: Streamlines net terms and AR operations with AI-powered workflows that reduce manual work by approximately 50%
• Industry-agnostic applicability: Serves all B2B businesses with USD $1M+ annual revenue across diverse sectors beyond SaaS
• Transparent pricing: Fees as low as USD $3.15% for 30-day net terms provide predictable costs with comprehensive AR automation included
• Risk elimination for approved transactions: 100% non-recourse financing ensures zero merchant liability for approved invoices
• Brand control preservation: White-label payment portals maintain customer relationships and brand equity throughout the payment experience

For B2B businesses seeking to accelerate cash flow while offering flexible payment terms, ResolvePay represents a comprehensive approach to B2B commerce infrastructure. The combination of automation, transparent pricing, risk elimination for approved transactions, and industry-agnostic applicability creates a compelling platform for businesses managing traditional B2B commerce operations.

Frequently Asked Questions

What is the primary difference in financing approach between ResolvePay and Capchase?

ResolvePay provides 100% non-recourse invoice financing for all B2B businesses with USD $1M+ annual revenue, focusing on traditional net terms (30, 60, or 90 days) with comprehensive accounts receivable automation. Capchase offers revenue-based financing specifically for SaaS companies with USD $1M+ ARR, specializing in multi-year contracts with flexible schedules such as monthly, quarterly, and extended net-term options. ResolvePay's approach works across all B2B industries, while Capchase's model is optimized specifically for software subscription businesses.

How does ResolvePay's non-recourse financing benefit sellers?

ResolvePay's 100% non-recourse financing means that merchants bear zero liability for customer defaults on approved invoices. This eliminates bad debt risk for approved transactions, allowing businesses to offer net terms confidently without fear of losses. The advance payment is yours to keep for approved transactions, regardless of whether the customer ultimately pays. This structure is particularly valuable for businesses that traditionally avoid offering net terms due to collection concerns.

Can ResolvePay integrate with my existing ERP and accounting systems?

Yes, ResolvePay offers comprehensive integration with leading ERP and accounting platforms including QuickBooks, NetSuite, Sage Intacct, and Xero. The platform provides QuickBooks auto-bookkeeping that automatically records and syncs all transactions, eliminating manual reconciliation. Additionally, ResolvePay integrates with major e-commerce platforms like Shopify, BigCommerce, WooCommerce, and Magento, ensuring seamless operation across both online and offline channels.

What B2B annual revenue minimum is required to use ResolvePay?

ResolvePay requires USD $1M+ annual B2B revenue for eligibility. This threshold ensures that businesses have sufficient transaction volume to benefit from the platform's automation and financing capabilities. Unlike platforms focused solely on SaaS companies, ResolvePay's revenue requirement applies to all B2B businesses regardless of industry or business model.

Does ResolvePay offer flexible net terms beyond 30 days?

Yes, ResolvePay offers 30, 60, or 90-day net terms to accommodate different business needs and customer requirements. The platform's flexible terms help enhance buyer loyalty and unlock revenue through repeat purchases and larger orders. ResolvePay handles the credit assessment, credit decision, and majority risk of late payments or defaults on approved invoices, allowing businesses to offer extended terms without delaying their own cash flow.

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.