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.
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 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.
Capchase focuses on SaaS-specific financing needs:
This specialized approach is designed for established SaaS companies needing growth capital and flexible customer payment options.
ResolvePay's services encompass the entire B2B commerce lifecycle:
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.
Capchase's pricing includes:
ResolvePay's pricing structure features:
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.
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 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.
Capchase's technology emphasizes CRM integration and payment processing:
ResolvePay provides comprehensive B2B commerce automation:
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.
Capchase's risk management focuses on SaaS-specific underwriting:
ResolvePay's credit assessment leverages B2B commerce expertise:
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.
Capchase's integrations center on CRM platforms:
ResolvePay's integration ecosystem spans the entire B2B tech stack:
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.
Capchase's global presence reflects its SaaS focus:
ResolvePay's market presence demonstrates broad B2B adoption:
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.
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.
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.
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.
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.
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.
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.
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.