ResolvePay vs Fundbox

When B2B businesses need to offer net terms to customers while protecting cash flow, choosing between payment platforms becomes a strategic decision. Two prominent options—ResolvePay and Fundbox—represent fundamentally different approaches to B2B financing. ResolvePay offers a comprehensive B2B payment platform with non-recourse financing, AI-powered accounts receivable automation, and seamless e-commerce integration. This comparison reveals why ResolvePay's embedded approach delivers superior value for B2B companies that need to offer net terms without taking on additional risk or administrative burden.

Key Takeaways

• ResolvePay offers a comprehensive B2B payment platform with non-recourse financing and AI-powered AR automation, while Fundbox provides general working capital through a traditional loan model
• B2B companies using ResolvePay can see estimated cost savings of 44-71% in financing costs compared to Fundbox, with transparent flat fees of 3.15% (USD) on 30-day net terms
• ResolvePay eliminates bad debt risk through its 100% non-recourse model, whereas Fundbox's recourse structure leaves merchants liable for customer defaults
• ResolvePay delivers complete AR automation that can save up to 14+ hours weekly and reduce manual work by 50-90%
• ResolvePay supports higher credit limits (up to $500,000+ USD) and integrates natively with e-commerce platforms like Shopify and BigCommerce

Understanding each company's core positioning

Fundbox positions itself as a working capital provider for small businesses, offering lines of credit based on general business metrics. Founded in 2013 and serving over 500,000 businesses, Fundbox has established itself as a source of general working capital with a straightforward application process requiring a minimum 600 credit score and just three months in business. The company provides revolving credit lines up to $250,000 USD with weekly repayment schedules.

ResolvePay takes a specialized approach focused on B2B commerce. Founded in 2019 by former Affirm executives and backed by $60 million USD in Series A funding from Insight Partners, ResolvePay specializes in B2B net terms financing with a comprehensive platform that combines credit underwriting, accounts receivable automation, and payment processing. Rather than providing general working capital, ResolvePay enables B2B merchants to offer net 30/60/90 terms to their customers while receiving up to 100% of invoice value upfront. The platform serves over 12,000 businesses and integrates directly with e-commerce platforms, ERPs, and accounting systems.

The fundamental difference lies in philosophy: Fundbox provides general working capital loans, while ResolvePay offers a complete B2B payment infrastructure that transforms how businesses manage credit, invoicing, and collections.

Core features reveal distinct strategic capabilities

Fundbox's feature set focuses on basic lending functionality:

• Revolving line of credit up to $250,000 USD
• 12 or 24-week repayment terms
• 3-minute approval process
• Basic accounting software connections for underwriting
• General working capital for any business expense

ResolvePay's feature set delivers comprehensive B2B payment capabilities:

• Non-recourse financing with up to 100% advance on approved invoices
• AI-powered accounts receivable automation that reduces manual work by 50-90%
• White-label payment portal supporting ACH, wire, credit card, and check
• Native e-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento
• Real-time credit decisions using AI and behavioral signals
• Net 30/45/60/90 payment terms with flexible installment options

ResolvePay's specialization enables it to address the complete B2B payment lifecycle, from credit approval to collections. For example, ResolvePay's platform automates the entire AR workflow, including credit checks, invoicing, payment reminders, collections, and reconciliation. This comprehensive approach transforms B2B payments from a manual, risky process into an automated, protected revenue stream.

Pricing models reflect different value propositions

The pricing structures reveal each company's target market and service philosophy.

Fundbox's pricing structure:

• Weekly fees ranging from 4.66% to 8.99% over 12-24 weeks
• Effective APR equivalent of 10-80%
• No monthly fees or setup costs
• Fixed weekly repayment schedule
• Recourse model—businesses bear 100% risk of customer non-payment

ResolvePay's pricing structure:

• Flat fee of 3.15% (USD) on 30-day net terms
• Transparent, risk-based pricing with no hidden fees
• 100% non-recourse financing—zero bad debt risk
• No monthly minimums or setup fees
• Payment only on approved invoices

This pricing structure makes ResolvePay particularly attractive for B2B companies offering net terms. The flat fee structure provides predictable costs, while the non-recourse model eliminates the financial risk of customer defaults.

Based on ResolvePay's pricing model, businesses can see estimated cost savings of 44-71% compared to Fundbox for typical B2B financing scenarios. For a $10,000 USD invoice, ResolvePay costs $315 USD versus Fundbox's $466-$899 USD, representing significant savings that compound over time.

Target customers reveal strategic alignment differences

Fundbox primarily serves small businesses needing general working capital, typically those with:

• Minimum 600 credit score
• At least 3 months in business
• $30,000+ USD in annual revenue
• Need for general working capital (not invoice-specific financing)

ResolvePay targets B2B companies that need to offer net terms to customers, typically those with:

• $1 million+ USD annual B2B revenue
• Need to offer net 30/60/90 terms to customers
• Desire to eliminate bad debt risk
• Requirement for AR automation and e-commerce integration
• Focus on enhancing customer relationships through flexible payment terms

This distinction matters significantly. B2B companies seeking to offer net terms benefit from specialized infrastructure designed for that specific purpose. ResolvePay's model is purpose-built for B2B net terms scenarios with features like non-recourse protection, AR automation, and e-commerce integration.

Risk management and protection show fundamental differences

Fundbox's risk model:

• Recourse financing—businesses remain 100% liable for customer defaults
• Self-managed collections and credit assessment
• Businesses bear all risk of customer non-payment

ResolvePay's risk model:

• 100% non-recourse financing—zero bad debt risk
• Complete credit assessment and underwriting by ResolvePay experts
• Automated collections management with AI-powered reminders
• ResolvePay bears the majority risk of late payments or defaults
• Expert credit insights from former Amazon, PayPal, and Fortune 500 professionals

The risk protection difference is crucial for B2B companies. Offering net terms without protection exposes businesses to significant bad debt risk, which can erode profit margins and strain cash flow. ResolvePay's non-recourse model eliminates this risk entirely, allowing businesses to offer net terms confidently.

This comprehensive risk management approach enables B2B companies to increase sales through net terms while protecting their bottom line. Customers can place larger orders and purchase more frequently, knowing they have flexible payment terms, while merchants receive guaranteed payment regardless of customer payment behavior.

Integration ecosystems demonstrate platform maturity

Fundbox's integration capabilities:

• Basic accounting software connections for underwriting purposes
• Self-managed reconciliation and bookkeeping

ResolvePay's integration ecosystem:

• Complete ERP integration with NetSuite, Oracle, and SAP
• Native e-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento
• 2-way QuickBooks auto-sync for seamless bookkeeping
• Award-winning BigCommerce integration
• Full API access for custom implementations
• Automated reconciliation across all invoice types

ResolvePay's comprehensive integration ecosystem provides significant advantages for B2B companies operating in complex technology environments. The platform eliminates manual data entry and reconciliation, automatically syncing transactions across e-commerce, ERP, and accounting systems. This automation can save 14+ hours weekly and reduces errors while providing real-time visibility into cash flow and customer payment behavior.

Technology and automation capabilities show platform sophistication

Fundbox's technology approach:

• Lending platform with standard approval process
• 3-minute approval for working capital

ResolvePay's technology approach:

• AI-powered accounts receivable automation that reduces manual work by 50-90%
• Real-time credit decisions using proprietary AI models and behavioral signals
• Automated payment reminders and collections workflows
• White-label payment portal that maintains brand relationships
• LLM-powered invoicing and reconciliation workflows

ResolvePay's technology sophistication enables it to deliver comprehensive automation across the entire B2B payment lifecycle. From instant credit approval at checkout to automated collections and reconciliation, ResolvePay's platform handles complex workflows that would otherwise require significant manual effort.

This automation translates directly to business benefits: faster cash flow, reduced administrative burden, improved customer experience, and eliminated bad debt risk. B2B companies can focus on growing sales rather than managing collections and reconciling payments.

Why ResolvePay delivers superior value for B2B companies

B2B companies face unique challenges that require specialized infrastructure to offer net terms safely and efficiently while maintaining strong customer relationships.

Key advantages of ResolvePay's approach:

• Risk elimination: 100% non-recourse financing removes all bad debt risk, allowing businesses to offer net terms confidently without exposing their bottom line to customer payment risk.
• Cost efficiency: Estimated cost savings of 44-71% compared to Fundbox, with transparent flat fees of 3.15% (USD) on 30-day net terms versus Fundbox's 4.66-8.99% weekly fees that equate to 10-80% APR.
• Operational automation: AI-powered AR automation can save 14+ hours weekly and reduce manual work by 50-90%, transforming accounts receivable from a cost center to an automated revenue stream.
• Higher credit limits: Credit lines up to $500,000+ USD versus Fundbox's $250,000 USD maximum, supporting genuine business growth without constraining expansion.
• E-commerce native: Native integrations with leading e-commerce platforms enable instant credit decisions at checkout, creating seamless buyer experiences that drive conversion and loyalty.

For B2B companies seeking to offer net terms while protecting cash flow and reducing administrative burden, ResolvePay represents the evolved approach to B2B payments. The combination of non-recourse protection, comprehensive automation, transparent pricing, and e-commerce integration creates a compelling value proposition designed specifically for B2B commerce.

Frequently Asked Questions

How does ResolvePay's 'non-recourse' financing differ from typical invoice factoring or A/R financing options?

ResolvePay's non-recourse financing means that once you receive payment for an approved invoice, that money is yours to keep regardless of whether your customer eventually pays. This differs fundamentally from recourse factoring or traditional A/R financing where you remain liable for customer defaults. With ResolvePay, the company assumes the majority risk of late payments or defaults, providing complete bad debt protection. This non-recourse model is particularly valuable for B2B companies offering net terms, as it eliminates the financial risk that typically accompanies extended payment terms.

Can ResolvePay help my business offer net terms to customers without taking on additional risk?

Yes, ResolvePay is specifically designed to enable B2B businesses to offer net terms without assuming additional risk. The platform provides 100% non-recourse financing, meaning you receive up to 100% of invoice value upfront and keep that payment regardless of customer payment behavior. ResolvePay handles the entire credit assessment, underwriting, and collections process, taking on the majority risk of late payments or defaults. This allows you to offer flexible payment terms that increase customer buying power and drive sales growth while protecting your cash flow and eliminating bad debt risk.

What integrations does ResolvePay offer to streamline my existing accounting and e-commerce workflows?

ResolvePay offers comprehensive integration capabilities across your technology stack. The platform features native integrations with leading e-commerce platforms including Shopify, BigCommerce, WooCommerce, and Magento, enabling seamless net terms at checkout. For accounting and ERP systems, ResolvePay provides 2-way auto-sync with QuickBooks and full integration with NetSuite, Oracle, and SAP. The platform also supports flexible APIs for custom implementations, ensuring that transaction data flows automatically across your systems without manual data entry or reconciliation.

How quickly can my business receive payment using ResolvePay for approved invoices?

ResolvePay typically processes approved invoices within 24 hours, with many businesses receiving payment the same day. The platform's real-time credit decision engine provides instant approval for qualified customers, and the automated payment processing system ensures rapid fund disbursement. This speed transforms your cash conversion cycle, reducing days sales outstanding (DSO) from the typical 30-60 days to just 1 day while your customers still enjoy extended payment terms. The combination of instant credit decisions and rapid payment processing enables B2B companies to maintain healthy cash flow while offering competitive net terms to customers.

Are there any hidden fees associated with ResolvePay's net terms or invoice advance services?

ResolvePay maintains transparent, straightforward pricing with no hidden fees. The platform charges a flat fee of 3.15% (USD) on 30-day net terms, with pricing based on risk assessment and advance rates. There are no monthly minimums, setup fees, prepayment penalties, or hidden charges. Credit card fees are passed directly to your buyer through the online payment portal, ensuring you receive the full invoice amount minus only the transparent platform fee. This transparent pricing model provides predictable costs and eliminates the surprise fees that can accompany traditional financing options.

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.