ResolvePay vs Credova

When B2B businesses need to offer flexible payment terms while protecting their cash flow, choosing between payment solutions becomes a critical decision. Two options—ResolvePay and Credova—represent fundamentally different approaches to business financing. ResolvePay delivers a comprehensive B2B payments platform with non-recourse financing, AI-powered AR automation, and complete risk elimination. Credova specializes in consumer-focused retail financing primarily for outdoor and firearms industries. This comparison explores how ResolvePay's B2B-focused approach delivers value for wholesale, distribution, and manufacturing businesses seeking risk protection and operational efficiency.

Key Takeaways

ResolvePay offers 100% non-recourse financing for B2B businesses, eliminating bad debt risk completely, while Credova operates on a recourse model where merchants retain customer default risk
ResolvePay provides a complete AR automation platform that saves 14+ hours weekly on accounts receivable tasks, delivering comprehensive payment infrastructure for B2B businesses
ResolvePay delivers transparent flat-fee pricing at 3.15% USD on 30-day net terms, with no hidden fees, providing predictable costs for B2B operations
ResolvePay integrates deeply with enterprise ERP systems like QuickBooks, NetSuite, and Oracle, while Credova primarily serves consumer-focused eCommerce platforms
ResolvePay offers white-label payment portals to maintain brand consistency throughout the customer payment experience

Understanding each company's core positioning

ResolvePay's B2B payment infrastructure

ResolvePay takes a distinctly B2B-focused approach. Founded in 2019 as a spin-off from Affirm's B2B initiative, ResolvePay specializes in B2B net terms and accounts receivable automation for wholesale, distribution, and manufacturing businesses. The platform integrates payments, credit, and liquidity into a single infrastructure, allowing businesses to offer Net 30, 60, or 90-day terms while getting paid within 24 hours. ResolvePay serves over 15,000 businesses and is backed by Initialized Capital and Commerce Ventures.

Key features of ResolvePay's platform include:

Non-recourse invoice financing with advance payments up to 100%
AI-powered AR automation that reduces manual work
Complete ERP and eCommerce integrations with QuickBooks, NetSuite, Shopify, and more
White-label payment portals maintaining brand consistency
Business credit checks with instant, data-rich decisions

Credova's consumer retail financing

Credova positions itself as a BNPL provider for specific consumer retail sectors, primarily outdoor recreation and firearms industries. Founded in 2018 and based in Bozeman, Montana, Credova has built its reputation on serving Second Amendment-friendly businesses with flexible consumer payment plans. The company has processed applications from 2.8 million customers and partners with 4,800+ merchants in its specialized verticals. Credova raised $38 million in Series B funding at a $150 million valuation in 2024, demonstrating investor confidence in its niche market approach.

Credova's service portfolio centers on consumer retail financing:

Flexible payment plans including Pay-in-4 and terms up to 60 months
Industry specialization in outdoor recreation and firearms retail
Point-of-sale and eCommerce financing solutions
Consumer credit decisions with instant approvals
Merchant network focused on 2A-friendly businesses

The fundamental difference lies in philosophy: ResolvePay provides complete B2B payment infrastructure with risk elimination and operational automation, while Credova delivers consumer financing for specific retail verticals.

Service offerings and strategic focus

ResolvePay's comprehensive B2B platform

ResolvePay's services focus on complete B2B payment infrastructure that addresses the entire order-to-cash workflow:

Non-recourse invoice financing with advance payments up to 100%
AI-powered AR automation that saves 14+ hours weekly
Business credit checks with instant, data-rich decisions
White-label payment portals accepting ACH, credit card, wire, and check
Complete ERP and eCommerce integrations with QuickBooks, NetSuite, Shopify, and more

For example, ResolvePay's AR automation reduces Days Sales Outstanding to approximately 1 day while eliminating bad debt risk. This operational transformation is particularly valuable for B2B businesses managing complex invoice-based relationships.

Credova's consumer financing services

Credova's service portfolio focuses on consumer retail financing for its specialized verticals. The platform provides point-of-sale and eCommerce financing solutions with flexible payment plans and instant approvals, serving businesses in outdoor recreation and firearms industries.

Risk management models

ResolvePay's non-recourse financing

ResolvePay provides 100% non-recourse financing, meaning ResolvePay assumes all customer default risk on approved invoices. As stated in their compliance documentation, "All cash advances are non-recourse so what you get is always yours to keep." This risk transfer transforms cash flow from uncertain to guaranteed, eliminating collections burden and bad debt concerns.

This approach is transformative for B2B businesses. With ResolvePay, businesses can offer net terms confidently, knowing that approved invoices guarantee payment regardless of customer payment behavior. The non-recourse model eliminates bad debt exposure completely, protecting business cash flow.

Credova's recourse model

Credova operates on a recourse model where merchants retain responsibility for customer defaults. According to Credova's terms and conditions, merchants bear the risk of non-payment. This traditional recourse approach means merchants maintain financial exposure related to financing transactions.

The regulatory environment includes compliance considerations for both platforms. Credova faced a $50,000 penalty from California DFPI related to fee disclosure practices.

Pricing transparency and fee structures

ResolvePay's transparent pricing

ResolvePay offers transparent flat-fee pricing at 3.15% USD on 30-day net terms with no hidden fees, setup costs, or monthly minimums. Fees are based on terms and risk assessment. The platform provides advance payments up to 100% on approved invoices, giving businesses immediate access to their cash.

This pricing transparency makes ResolvePay particularly attractive for B2B businesses that need predictable costs. The flat-fee structure eliminates surprises and allows for accurate financial planning.

Beyond the transparent pricing, ResolvePay's AR automation platform provides additional value by saving 14+ hours weekly on manual AR tasks, effectively creating operational efficiency that improves overall ROI.

Credova's pricing structure

Credova's pricing includes variable merchant discount rates that are customized based on merchant agreements and industry. The platform has no setup fees or monthly minimums. Pricing varies by merchant agreement, and there may be potential third-party convenience fees for certain payment methods.

Target customers and market alignment

ResolvePay's B2B business focus

ResolvePay targets B2B businesses across all industries:

Wholesale and distribution companies
Manufacturing businesses
B2B eCommerce platforms
Service businesses with invoice-based revenue
Companies with $1M+ annual B2B revenue

ResolvePay's 15,000+ business customers span diverse industries including construction, medical equipment, industrial supplies, and manufacturing. Success stories like Archipelago demonstrate the platform's versatility across B2B sectors.

This broad B2B focus allows ResolvePay to serve businesses that need comprehensive payment infrastructure handling complex invoice relationships, extended payment terms, and enterprise-level integrations.

Credova's consumer retail focus

Credova primarily serves consumer retail businesses in specific verticals:

Outdoor recreation retailers
Firearms and shooting sports merchants
Consumer-focused eCommerce businesses
Retailers in states where the service is available (not available in NY, MA, or DC)

Credova's specialization in these verticals allows them to serve Second Amendment-friendly businesses with tailored financing solutions.

Integration capabilities and technical infrastructure

ResolvePay's enterprise integrations

ResolvePay's integration infrastructure emphasizes B2B enterprise systems:

ERP integrations: QuickBooks, NetSuite, Oracle, SAP, Sage Intacct, Xero
eCommerce platforms: Shopify, BigCommerce, Magento, WooCommerce
Bi-directional data sync for automatic reconciliation
Flexible APIs for custom implementations
White-label payment portals for branded customer experiences

The enterprise focus delivers significant value for B2B businesses. ResolvePay's deep ERP connections enable seamless workflows between payment processing, accounting, and financial reporting. This integration depth is essential for B2B businesses managing complex financial operations.

ResolvePay's white-label payment portal further enhances the B2B experience by maintaining brand consistency throughout the payment process. Customers pay through the merchant's branded portal rather than a third-party interface, strengthening customer relationships and professional appearance.

Credova's integration ecosystem

Credova's integration ecosystem focuses on consumer retail platforms:

eCommerce platforms: Shopify, BigCommerce, WooCommerce, Magento
Specialized POS systems: AmmoReady, Celerant, CoreWare, Bravo Store Systems
Developer API for custom implementations

Operational efficiency and automation capabilities

ResolvePay's AI-powered automation

ResolvePay delivers complete operational transformation through AI-powered automation:

AI agents that manage AR workflows automatically
Automated payment reminders and collections processes
Smart bookkeeping automation that syncs transactions to accounting software
LLM-powered invoicing workflows for automatic reconciliation
AR and credit dashboards for proactive risk management

The automation advantage is quantifiable: ResolvePay customers save 14+ hours weekly on manual AR tasks. This time savings translates directly to improved margins and reduced operational overhead.

For B2B businesses managing hundreds or thousands of invoices monthly, this automation capability is transformative. ResolvePay delivers a complete operational solution that addresses the entire accounts receivable lifecycle from credit decision to payment reconciliation.

Credova's transaction management

Credova provides transaction management functionality including consumer credit decisions and approvals, payment processing and installment management, and a merchant dashboard for transaction monitoring.

Geographic availability and regulatory compliance

ResolvePay's nationwide availability

ResolvePay offers nationwide availability with strong compliance practices:

Available in all 50 states
Transparent fee structure with no hidden charges
Non-recourse model eliminates merchant risk exposure
Clear compliance documentation and merchant protections

The nationwide availability ensures consistent service regardless of customer location, which is particularly important for B2B businesses operating across state lines.

Credova's geographic coverage

Credova operates in most states with some geographic limitations:

Not available in New York, Massachusetts, or Washington D.C.
Serves consumer retail businesses in available states
Specialized focus on Second Amendment-friendly verticals

Credova's regulatory history includes a $50,000 penalty from California DFPI related to fee disclosure practices.

Why ResolvePay delivers value for B2B businesses

B2B businesses seeking comprehensive payment solutions with risk protection and operational efficiency can benefit from ResolvePay's specialized B2B approach. The platform addresses unique B2B challenges with features designed specifically for wholesale, distribution, and manufacturing operations.

Key advantages of ResolvePay's B2B approach:

Complete risk elimination: 100% non-recourse financing guarantees payment on approved invoices, eliminating bad debt exposure completely. This protection is essential for B2B businesses managing large invoice volumes.
Operational transformation: AI-powered AR automation saves 14+ hours weekly while reducing Days Sales Outstanding to approximately 1 day. This operational efficiency directly improves margins and cash flow.
Transparent pricing: 3.15% USD flat fee on 30-day net terms provides predictable costs without hidden charges or variable rates. This transparency enables accurate financial planning and eliminates billing surprises.
Enterprise integration: Deep ERP and accounting integrations create seamless workflows between payment processing, invoicing, and financial reporting. This integration depth is essential for B2B businesses managing complex financial operations.
Brand consistency: White-label payment portals maintain professional brand presence throughout the customer payment experience, strengthening business relationships and credibility.

For B2B businesses seeking comprehensive payment solutions, ResolvePay's combination of non-recourse financing, AI-powered automation, transparent pricing, and enterprise integration creates a compelling value proposition designed specifically for wholesale, distribution, and manufacturing operations.

Frequently Asked Questions

What is the main difference between ResolvePay and Credova?

The fundamental difference lies in their business models and target markets. ResolvePay specializes in B2B payments with 100% non-recourse financing, meaning merchants have zero exposure to customer defaults on approved invoices. ResolvePay provides complete AR automation and enterprise ERP integrations for B2B businesses. Credova focuses on consumer retail financing primarily for outdoor and firearms industries, operating on a recourse model where merchants retain responsibility for customer defaults.

How does ResolvePay help businesses get paid faster?

ResolvePay accelerates cash flow by advancing up to 100% of invoice value within 24 hours while customers receive Net 30, 60, or 90-day terms. This reduces Days Sales Outstanding from typical 30-90 days to approximately 1 day. The AI-powered AR automation platform further accelerates collections through automated payment reminders and streamlined workflows, saving businesses 14+ hours weekly on manual AR tasks.

Can ResolvePay integrate with my existing accounting software and eCommerce platform?

Yes, ResolvePay offers comprehensive integration capabilities with major ERP and accounting systems including QuickBooks, NetSuite, Oracle, SAP, Sage Intacct, and Xero. For eCommerce platforms, ResolvePay integrates with Shopify, BigCommerce, Magento, and WooCommerce. The platform provides bi-directional data sync that automatically reconciles payments and updates accounting records in real-time, eliminating manual data entry and reducing errors.

What are the benefits of ResolvePay's non-recourse financing?

ResolvePay's non-recourse financing provides complete risk elimination for merchants. ResolvePay assumes 100% of the customer default risk on approved invoices, so merchants receive guaranteed payment regardless of whether their customers pay. This protection eliminates bad debt exposure, removes collections burden, and transforms uncertain cash flow into guaranteed revenue. All cash advances are non-recourse, so what merchants receive is always theirs to keep.

Does ResolvePay offer flexible payment options for my customers?

Yes, ResolvePay provides white-label payment portals that accept multiple payment methods including ACH, credit card, wire transfer, and check. Customers can pay according to their preferred method through the merchant's branded portal, maintaining professional relationships while offering payment flexibility. ResolvePay also enables businesses to offer Net 30, 60, or 90-day terms, giving customers the credit they need while protecting merchant 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.