When B2B businesses need to accelerate cash flow and increase sales, choosing between financial solutions becomes critical. Two prominent options—ResolvePay and Clearco—represent different approaches to business financing. Clearco specializes in revenue-based financing for DTC eCommerce brands, while ResolvePay offers embedded B2B payments with net terms financing specifically designed for manufacturers, distributors, and wholesalers. This comparison examines how ResolvePay's specialized B2B approach serves businesses that need to offer net terms while managing credit risk and accelerating cash flow.
Clearco positions itself as a revenue-based financing provider for DTC eCommerce brands, offering capital advances based on daily revenue performance. Founded in 2015 and based in Toronto, Clearco has funded over 10,000 eCommerce businesses with more than $3 billion in total capital deployed. The company specializes in providing working capital for marketing spend and inventory purchases, with weekly repayment structures tied to actual revenue performance.
ResolvePay takes a different approach, focusing exclusively on B2B transactions. Launched in 2019 as a spinout from Affirm, ResolvePay specializes in embedded B2B payments with net terms financing for manufacturers, distributors, and wholesalers. Rather than providing general working capital, ResolvePay enables B2B sellers to offer net 30/60/90 terms to their customers while getting paid upfront. The platform has served over 15,000 businesses and combines embedded credit expertise, embedded invoice financing, and embedded payments into a single solution.
According to the U.S. Census Bureau, B2B ecommerce continues to grow significantly, making specialized B2B payment solutions increasingly relevant for manufacturers and distributors. The fundamental difference lies in market focus: Clearco serves DTC eCommerce brands with revenue-based advances, while ResolvePay serves B2B businesses with invoice-based net terms financing.
Clearco's service portfolio centers on revenue-based financing:
This approach serves online retailers with consistent daily sales patterns.
ResolvePay's services focus on B2B payment workflows:
The B2B specialization provides focused expertise in invoice-based financing and trade credit management. While Clearco provides capital that must be repaid based on revenue performance, ResolvePay offers non-recourse financing where merchants keep their advance even if customers default. This difference in risk management reflects the distinct needs of B2B versus DTC businesses.
The pricing structures reveal each company's target market and service philosophy.
Clearco uses revenue-based pricing:
ResolvePay uses transaction-based pricing:
Research from the Federal Reserve indicates that B2B businesses often face significant credit risk when extending trade credit to customers. ResolvePay's pricing structure addresses this by transferring credit risk, while Clearco's model focuses on the merchant's revenue capacity for repayment.
Clearco primarily serves DTC eCommerce brands with consistent daily sales velocity. Their ideal clients are online retailers with established revenue streams who need capital for marketing spend and inventory purchases. These companies benefit from Clearco's revenue-based model and weekly repayment structure, which aligns with their daily sales patterns.
ResolvePay targets B2B manufacturers, distributors, and wholesalers that invoice customers with net terms. These organizations typically have established B2B sales processes but may experience cash flow gaps between invoicing and customer payment. Notable clients include companies like Lift Foils, ConEquip, and Archipelago, which have achieved growth through ResolvePay's net terms financing.
This distinction reflects the different cash flow patterns of B2B versus DTC businesses. B2B companies typically work with invoice cycles and trade credit terms, while DTC eCommerce operates on immediate payment models.
Both companies showcase results within their respective markets, though the nature of these results differs based on business model.
Clearco's results emphasize capital deployment and customer base:
According to ResolvePay's published data, their clients have reported:
ResolvePay's focus on B2B-specific metrics like DSO (Days Sales Outstanding) and trade credit reflects the platform's specialization in invoice financing and accounts receivable management.
Clearco's methodology centers on revenue analysis and capital deployment. The process involves analyzing daily revenue patterns, approving capital advances, and implementing weekly repayment structures. This approach aligns with businesses that have consistent daily sales and need working capital for growth initiatives.
ResolvePay's approach emphasizes embedded B2B payments and complete AR automation. According to NACHA, B2B payment automation continues to evolve, with businesses seeking solutions that streamline invoicing and collections. The ResolvePay platform handles the net terms lifecycle:
The execution philosophy difference reflects market positioning: Clearco provides revenue-based capital, while ResolvePay focuses on invoice-based financing with credit risk management for B2B transactions.
Clearco's expertise focuses on:
ResolvePay's expertise concentrates on:
The specialized B2B expertise model serves manufacturers and distributors with specific trade credit needs, while Clearco's DTC expertise serves the eCommerce retail market.
Clearco's market presence reflects its DTC focus:
ResolvePay's credibility comes from B2B-specific achievements:
For B2B businesses, ResolvePay's specialized expertise in net terms financing and invoice management reflects deep understanding of B2B payment cycles and trade credit requirements.
B2B manufacturers, distributors, and wholesalers face unique challenges that make ResolvePay's specialized approach relevant. These companies often need net terms financing with credit risk management rather than general working capital solutions.
Risk Management: ResolvePay's non-recourse financing protects merchants against customer defaults, addressing a common concern in B2B trade credit. This protection can help B2B businesses manage credit risk exposure.
Cost Structure: ResolvePay's 3.15% flat fee for net 30 terms provides transparent pricing for invoice financing. On $1 million USD in financing, this translates to $31,500 USD in fees, offering predictable cost planning for B2B operations.
AR Automation: ResolvePay reports that clients experience significant reduction in manual AR work, with automation handling credit assessment, invoicing, collections, and reconciliation processes.
B2B Specialization: AI-powered buyer credit assessment enables faster sales cycles, while the white-label payment portal maintains direct customer relationships throughout the payment process.
For B2B businesses seeking to offer net terms while managing cash flow and credit risk, ResolvePay represents a specialized approach to B2B payments. The combination of B2B expertise, risk management, transparent pricing, and complete automation creates a value proposition designed specifically for manufacturers, distributors, and wholesalers with invoice-based business models.
ResolvePay serves B2B manufacturers, distributors, and wholesalers that invoice customers with net 30/60/90 terms. These businesses typically have $1M+ annual B2B revenue and need to offer trade credit while protecting cash flow. They benefit from ResolvePay's non-recourse financing, AR automation, and buyer credit assessment. Ideal ResolvePay clients include companies expanding into enterprise sales, those experiencing cash flow gaps between invoicing and payment, and organizations seeking to increase order sizes through net terms. Clearco serves DTC eCommerce brands with consistent daily sales who need capital for marketing spend and inventory purchases, with repayment tied to revenue performance.
ResolvePay offers non-recourse financing, meaning merchants keep their advance payment even if customers don't pay. This transfers credit risk from the merchant to ResolvePay and protects against customer defaults. Clearco uses a revenue-based model where merchants remain responsible for repayment based on their own revenue performance. This means Clearco evaluates the merchant's revenue capacity, while ResolvePay evaluates the buyer's creditworthiness. The models reflect different business needs: B2B companies extending trade credit benefit from ResolvePay's credit risk protection, while DTC brands with strong revenue patterns may prefer Clearco's revenue-based structure.
ResolvePay offers comprehensive B2B integrations with QuickBooks, NetSuite, Sage Intacct, Xero, Shopify, BigCommerce, WooCommerce, and Magento. The platform provides two-way ERP sync, automated reconciliation, and AI-powered invoicing workflows. Implementation with existing integrations typically takes 1-2 weeks. Clearco focuses on eCommerce platform integrations including Shopify and Amazon, with revenue tracking and direct account debits for repayment. Both platforms offer API access, with ResolvePay's integrations specifically designed for B2B workflows including AR automation, credit assessment, and white-label payment portals.
ResolvePay charges a flat 3.15% fee for net 30 terms, while Clearco's revenue-based advances typically range from 5-8% depending on terms. On $100,000 USD in financing, this translates to approximately $3,150 USD with ResolvePay versus an estimated $5,000-$8,000 USD with Clearco. ResolvePay's total cost of ownership includes complete AR automation (potentially reducing software costs), non-recourse protection against bad debt, and time savings from automated workflows. Clearco's model includes ongoing repayment obligations based on revenue performance. The cost structures reflect different service models: transaction-based fees for ResolvePay's invoice financing versus revenue-based fees for Clearco's working capital advances.
According to ResolvePay's published data, their clients typically report approximately 40% increase in average order value, around 20% YoY revenue growth, and DSO reduced to approximately 1 day from industry averages. The platform reports delivering significant reduction in manual AR work, with automation handling collections, invoicing, and reconciliation. Clients also report expanded customer purchasing power through larger credit lines enabled by ResolvePay's credit assessment. These results typically begin appearing within 24-48 hours of implementation, with full impact realized as more customers utilize net terms financing. Actual results vary based on industry, customer base, and implementation scope.
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.