ResolvePay vs FundThrough

When B2B businesses need to accelerate cash flow while offering flexible payment terms to customers, choosing between payment solutions becomes a critical strategic decision. Two prominent options—ResolvePay and FundThrough—represent fundamentally different approaches to B2B payments and invoice financing. FundThrough operates as a traditional invoice factoring platform with variable pricing and a recourse model, while ResolvePay offers a modern, integrated B2B payments platform that combines non-recourse financing, AI-powered accounts receivable automation, and white-label customer experiences. This comparison examines how ResolvePay's comprehensive approach helps businesses grow sales, eliminate risk, and streamline operations. Learn more about ResolvePay's B2B Net Terms solution that helps businesses offer Net Terms and grow revenue.

Key Takeaways

ResolvePay offers 100% non-recourse financing with flat 3.15% fees, while FundThrough uses a recourse model with fees ranging from 2.75% to 8.25%
ResolvePay's AI-powered AR automation suite reduces manual reconciliation time by an estimated 90%, providing comprehensive workflow management
White-label customer experience with ResolvePay preserves B2B relationships throughout the payment process
ResolvePay provides predictable pricing with flat fees, while FundThrough's variable cost structure can create budget uncertainty
ResolvePay's comprehensive integration ecosystem includes award-winning connections to BigCommerce, Shopify, NetSuite, and QuickBooks, supporting modern B2B commerce needs

Understanding the evolution of B2B payments beyond traditional factoring

According to a research on B2B payments, businesses increasingly seek integrated payment solutions that go beyond basic invoice financing. FundThrough positions itself as a traditional invoice factoring platform, earning recognition as "Best Overall" from Forbes and Investopedia for its factoring services. Founded in 2014, FundThrough has processed over USD $3 billion in invoices using a recourse model where merchants bear liability for unpaid customer invoices. The platform operates on a pay-per-use basis with no monthly subscription, making it suitable for businesses seeking straightforward, transaction-based invoice financing.

ResolvePay takes a different approach as a comprehensive B2B payments platform. Founded in 2019 by Y Combinator alumni and backed by USD $85 million in funding from Insight Partners, ResolvePay serves as a modern alternative to factoring that combines multiple capabilities into a single integrated solution. The platform integrates embedded credit expertise, embedded invoice financing, and embedded payments to serve over 12,000 B2B businesses. ResolvePay focuses on enhancing customer relationships while streamlining complex workflows, offering businesses a complete platform for managing the entire B2B payment lifecycle.

The fundamental difference lies in philosophy: FundThrough provides traditional factoring services, while ResolvePay offers an integrated platform that combines financing with comprehensive payment management and automation capabilities.

Risk management and financing models

FundThrough's recourse model operates on traditional factoring principles:

Merchants bear liability for unpaid customer invoices under the recourse structure
Businesses manage their own credit risk assessment and bad debt exposure
Customer notification is required as part of the factoring arrangement
Variable pricing ranges from 2.75% to 8.25% based on customer credit and invoice terms
Pay-per-use structure with no monthly subscription fees

ResolvePay's non-recourse model provides a different approach to risk and pricing:

100% non-recourse financing means ResolvePay assumes the credit risk on approved invoices
Flat 3.15% fee for 30-day net terms with 100% advance, providing predictable costs
No customer notification required, enabling a seamless white-label experience
Bad debt protection included as part of the non-recourse structure
Transparent, flat-fee pricing eliminates variable cost fluctuations

For B2B businesses prioritizing predictable costs and risk elimination, ResolvePay's non-recourse model provides financial stability and peace of mind. The flat fee structure enables accurate budgeting and financial planning, while the non-recourse protection removes uncertainty about potential bad debt losses.

AI-powered accounts receivable automation delivers operational efficiency

As noted by leading accounts receivable management resources, automation is transforming how businesses handle their AR workflows. FundThrough's platform focuses primarily on invoice financing functionality:

Invoice financing capabilities with straightforward submission processes
Integration with QuickBooks, Xero, and OpenInvoice for data transfer
Transaction-focused tools designed for funding approved invoices
Businesses using FundThrough may utilize separate software for comprehensive AR management

ResolvePay's AI-powered AR automation suite provides integrated workflow management:

AI agents manage workflows, automate payment reminders, and streamline collections
Automated reconciliation for any invoice structure—net terms, COD, or due upon receipt
LLM-powered invoicing workflow ensures transactions are synced and reconciled automatically
Estimated 90% reduction in manual reconciliation time, freeing finance teams for strategic work
Smart bookkeeping automation maps and syncs transaction data in real time to accounting systems

ResolvePay's comprehensive AR automation eliminates the need for multiple separate software solutions while dramatically reducing manual work. This integrated approach saves time, reduces errors, and improves cash flow visibility across the entire accounts receivable lifecycle. For businesses seeking to modernize their AR processes, ResolvePay's Accounts Receivable with AI-Powered Automation provides complete workflow management alongside financing capabilities.

Flexible B2B net terms and BNPL options drive sales growth

FundThrough's approach centers on invoice factoring after sales are completed:

Invoice financing services for submitted invoices
Integration with accounting platforms for invoice data transfer
Manual invoice upload options available for businesses not using integrated platforms
Focus on providing funding for completed transactions

ResolvePay's B2B net terms platform integrates financing with the sales process:

Instant credit decisions powered by AI help buyers complete purchases with streamlined approval
Net 30, 45, 60, or 90-day terms with flexible installment options tailored to each customer
Embedded checkout integration with BigCommerce, Shopify, Magento, and WooCommerce
Award-winning BigCommerce integration recognized with BigCommerce Innovative Integration Award
Support for larger orders and repeat purchases by enabling buyers to access flexible payment terms

ResolvePay's B2B Net Terms solution enables businesses to offer flexible payment options directly at checkout, helping to increase conversion rates, expand average order values, and build customer loyalty. By integrating payment terms into the buying experience, businesses can use financing as a revenue growth tool rather than simply a cash flow management solution.

Integration ecosystem and technical capabilities

FundThrough's integration capabilities support core accounting connections:

Integrations with QuickBooks, Xero, and OpenInvoice
Manual invoice upload available for businesses using other platforms
Data synchronization for invoice information transfer
API functionality for basic integration needs

ResolvePay's comprehensive integration ecosystem enables modern B2B commerce:

Award-winning BigCommerce integration recognized with BigCommerce Innovative Integration Award
Native connections to Shopify, NetSuite, Oracle, QuickBooks, Magento, and WooCommerce
REST API v5 with sandbox environment, webhooks, and comprehensive developer tools
Automated data synchronization that eliminates manual entry and reduces errors
Flexible APIs that integrate into custom e-commerce implementations

ResolvePay's extensive integration capabilities are particularly valuable for B2B e-commerce businesses. The native platform connections enable seamless embedded net terms at checkout, instant credit decisions, and automated order processing. Businesses can seamlessly integrate ResolvePay into their website and checkout flow to provide enhanced customer experiences and streamlined operations.

Total cost of ownership and value proposition

According to financial industry research on invoice factoring, understanding total costs requires looking beyond transaction fees to include all associated expenses and risks.

FundThrough's cost structure includes:

Variable pricing based on invoice characteristics
No monthly subscription for the factoring service itself
Merchants manage their own credit risk under the recourse model
Businesses may require additional software for comprehensive AR automation
Costs vary based on customer creditworthiness and payment terms

ResolvePay's cost structure provides integrated functionality:

Flat 3.15% fee for 30-day net terms, providing cost predictability
Monthly subscription starting at USD $199+ includes comprehensive AR automation capabilities
Non-recourse protection included as part of the financing structure
Complete platform functionality includes credit decisioning, collections, and payment processing
White-label experience preserves customer relationships and brand integrity

ResolvePay's value proposition combines predictable pricing with comprehensive platform features. The monthly subscription includes AR automation capabilities that would typically require separate software purchases, while the non-recourse structure eliminates credit risk exposure. For businesses seeking an all-in-one solution, ResolvePay provides financing, automation, and customer experience management in a single integrated platform.

Customer experience and relationship management

FundThrough's customer experience follows traditional factoring practices:

Customer notification as part of the factoring arrangement
Focus on merchant financing services
Invoice-based funding approach
Businesses manage their own customer payment relationships

ResolvePay's white-label customer experience enhances B2B relationships:

Branded payment portal allows customers to interact exclusively with the merchant's brand
Multiple payment methods including ACH, credit card, wire, and check
White-label financing maintains seamless customer experience without third-party visibility
Flexible payment options tailored to customer preferences and business needs
Buyer dashboard provides self-service payment management and account visibility

ResolvePay's white-label approach recognizes that B2B payments are relationship-driven. By keeping financing arrangements invisible to customers and maintaining brand consistency throughout the payment experience, businesses can offer flexible payment terms without compromising customer relationships. Both Resolve for Buyers and Resolve for Sellers are designed to enhance the B2B payment experience for all parties involved.

Why ResolvePay delivers superior value for modern B2B businesses

Modern B2B businesses need comprehensive payment solutions that drive growth, eliminate risk, and enhance customer relationships—capabilities that extend beyond traditional invoice factoring.

Key advantages of ResolvePay's integrated approach:

Risk elimination: 100% non-recourse financing removes bad debt exposure from the business. This protection provides peace of mind and financial predictability that recourse models cannot offer.
Predictable pricing: Flat 3.15% fee structure eliminates budget uncertainty. This predictability enables accurate financial planning and ROI calculation for businesses of all sizes.
Operational efficiency: AI-powered AR automation reduces manual work by an estimated 90% while eliminating the need for separate software solutions. This comprehensive approach saves time and reduces errors across the entire accounts receivable lifecycle.
Sales growth enablement: Embedded net terms and BNPL options transform payment terms into revenue drivers. By offering flexible payment options at checkout, businesses can increase conversion rates and customer lifetime value.
Customer relationship preservation: White-label experience maintains brand integrity throughout the payment journey. This seamless approach keeps financing arrangements invisible to customers while providing them with flexible payment options.

For B2B businesses seeking to modernize their payment processes while driving growth and eliminating risk, ResolvePay represents a comprehensive approach to B2B payments. The combination of non-recourse financing, predictable pricing, extensive automation, and customer-centric design creates a complete platform for managing B2B transactions. Businesses can get paid in 1 day instead of 60 while offering customers the flexible payment terms they need to grow their own businesses.

Frequently Asked Questions

How does ResolvePay differ from traditional invoice factoring services like FundThrough?

ResolvePay differs from traditional factoring services in several fundamental ways. ResolvePay offers 100% non-recourse financing, meaning merchants receive their advance payment without bearing liability for unpaid invoices, while traditional factoring services like FundThrough use a recourse model where merchants manage credit risk. ResolvePay provides a comprehensive platform that includes AI-powered AR automation, white-label customer experiences, and embedded net terms functionality, while traditional factoring focuses primarily on invoice financing. Additionally, ResolvePay's flat 3.15% fee structure provides predictable pricing compared to variable fee structures that can range from 2.75% to 8.25% based on customer credit and invoice terms.

What kind of businesses can benefit most from Resolve's B2B Net Terms and AI-powered AR automation?

ResolvePay's solutions are particularly valuable for B2B businesses with USD $1M+ annual revenue that need to offer flexible payment terms while maintaining healthy cash flow. E-commerce businesses benefit significantly from Resolve's award-winning platform integrations with BigCommerce, Shopify, and other platforms that enable embedded net terms at checkout. Distributors, manufacturers, and service providers working with multiple customers on net terms can leverage Resolve's AI-powered AR automation to reduce manual reconciliation work by an estimated 90%. Businesses that prioritize customer relationships benefit from the white-label experience that preserves brand integrity throughout the payment process. Companies seeking to grow sales through flexible payment options while eliminating bad debt risk find ResolvePay's comprehensive platform particularly valuable.

Is ResolvePay's invoice financing recourse or non-recourse?

ResolvePay's invoice financing is 100% non-recourse, which means merchants receive their advance payment without bearing liability for unpaid customer invoices. This eliminates the bad debt risk that merchants face with recourse factoring models. The non-recourse protection is included as part of ResolvePay's financing structure and represents significant value for businesses concerned about customer credit risk, providing financial predictability and peace of mind.

How quickly can my business receive payments from approved invoices with Resolve?

ResolvePay advances payment on approved invoices within 24-48 hours of invoice approval. For businesses with established relationships and integrated systems, funding can occur even faster. This rapid funding timeline allows businesses to maintain healthy cash flow while offering customers flexible net 30, 60, or 90-day payment terms. The quick funding is supported by Resolve's AI-powered credit decisioning engine that provides instant approvals for qualified customers, enabling businesses to get paid in 1 day instead of 60.

What integrations does ResolvePay offer with existing accounting and ecommerce platforms?

ResolvePay offers comprehensive integrations with leading business platforms, including BigCommerce (BigCommerce Innovative Integration Award winner), Shopify, NetSuite, Oracle, QuickBooks, Magento, and WooCommerce. These native integrations enable seamless data synchronization, automated invoice processing, and embedded net terms functionality at checkout. ResolvePay also provides a robust REST API v5 with developer tools, sandbox environment, and webhook notifications for custom integration needs. The platform's flexible integration ecosystem supports modern B2B commerce requirements and can be explored further at ResolvePay's integrations page.

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.