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.
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:
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:
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.
ResolvePay's services focus on complete B2B payment infrastructure that addresses the entire order-to-cash workflow:
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 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.
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 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.
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 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.
ResolvePay targets B2B businesses across all industries:
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 primarily serves consumer retail businesses in specific verticals:
Credova's specialization in these verticals allows them to serve Second Amendment-friendly businesses with tailored financing solutions.
ResolvePay's integration infrastructure emphasizes B2B enterprise systems:
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 focuses on consumer retail platforms:
ResolvePay delivers complete operational transformation through AI-powered automation:
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 provides transaction management functionality including consumer credit decisions and approvals, payment processing and installment management, and a merchant dashboard for transaction monitoring.
ResolvePay offers nationwide availability with strong compliance practices:
The nationwide availability ensures consistent service regardless of customer location, which is particularly important for B2B businesses operating across state lines.
Credova operates in most states with some geographic limitations:
Credova's regulatory history includes a $50,000 penalty from California DFPI related to fee disclosure practices.
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:
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.
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.
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.
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.
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.
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.