ResolvePay vs FundThrough vs Playter: B2B Invoice Financing Compared in 2026

Resolve is the strongest choice for B2B suppliers who want to offer net terms and automate their entire accounts receivable workflow. FundThrough is better for businesses that simply need quick cash against existing invoices with zero commitments. Playter is the standout option for UK-based SMEs looking for a 360-degree model that handles both incoming and outgoing invoice financing. All three platforms solve the same core problem — B2B companies waiting 30 to 90 days for payment — but they take fundamentally different approaches. If you are already exploring FundThrough alternatives, this comparison breaks down exactly where each platform wins.

ResolvePay vs FundThrough vs Playter: Key Takeaways

• Overall B2B Net Terms: Resolve provides full AR automation with non-recourse financing and instant credit decisions — the most complete platform for B2B suppliers
• Advance Rate: FundThrough offers up to 100% of invoice value, the highest advance rate in this comparison
• Lowest Starting Cost: Resolve offers competitive, transparent non-recourse pricing on 30-day terms
• No-Commitment Flexibility: FundThrough requires no contracts, no minimums, and charges no penalties
• AR Automation: Resolve covers end-to-end credit checks, invoicing, and AI-powered collections in a single platform
• Extended Payment Terms: Playter offers up to 12 months of payment terms — far longer than typical net 30/60/90
• UK/European Coverage: Playter is purpose-built for UK SMEs, now backed by Shawbrook Bank
• ERP Integrations: Resolve connects natively with NetSuite, QuickBooks, BigCommerce, and Shopify
• 360-Degree Financing: Playter uniquely covers both outgoing bill payments and incoming receivable financing
• Speed of Approval: Resolve's AI credit engine approves buyers in seconds, accelerating B2B sales cycles
• Ease of Setup: FundThrough lets you connect QuickBooks, pick invoices, and get funded the next business day
• Non-Recourse Protection: Resolve ensures sellers keep advances even if buyers do not pay

Quick Overview

Resolve

Resolve is a B2B commerce platform that lets suppliers offer net 30, 60, or 90 day payment terms to their buyers while getting paid upfront within 24 hours. The platform goes beyond simple invoice financing — it automates the entire accounts receivable lifecycle, from AI-powered credit decisions and underwriting to automated invoicing and intelligent collections management. For businesses evaluating the best net terms management software, Resolve stands out as the most integrated option.

Founded in San Francisco with backing from Affirm and PayPal alumni, Resolve has served over 15,000 businesses. The key differentiator is the non-recourse model: when Resolve advances payment on an invoice, that money is the seller's to keep regardless of whether the buyer ultimately pays. According to G2 reviews, Resolve maintains a 5.0/5 rating with users praising its ease of use, customer support, and speed of buyer credit approvals.

Combined with a real-time AR dashboard and deep integrations with NetSuite, QuickBooks, BigCommerce, and Shopify, Resolve functions as a complete AR automation layer rather than just a funding source. The platform won BigCommerce's 2025 Innovative Integration Award and also offers a white-label buyer portal that maintains the supplier's brand experience throughout the payment process.

FundThrough

FundThrough is a Toronto-based invoice factoring platform that advances up to 100% of an invoice's value with funding typically arriving the next business day. Founded in 2014, the platform is built on AI-powered automation that lets users connect their QuickBooks or OpenInvoice account, select eligible invoices, and receive funding without contracts, minimum volumes, or early payoff penalties.

FundThrough's appeal is simplicity. It is purely an invoice funding tool — businesses that need quick cash against a specific invoice without committing to a long-term platform will find FundThrough straightforward to use. Rates typically range from 2.75% to 8.75%, depending on invoice terms and risk. The platform serves businesses in both the United States and Canada, providing North American coverage that is useful for companies operating across the border. According to Investopedia, invoice factoring platforms like FundThrough have grown significantly as businesses seek faster alternatives to traditional bank financing.

FundThrough's zero-commitment model is its standout feature — you can fund a single invoice and never use the platform again with no financial obligation. This makes it particularly useful as a tactical cash flow tool for businesses that have occasional liquidity needs.

Playter

Playter is a UK-based B2B buy-now-pay-later platform that offers a unique 360-degree financing model. Through its two products — Playter Pay (split outgoing bills over 2 to 12 months) and Playter Paid (suppliers get paid on day one while buyers pay over 3 to 12 months) — the platform addresses both sides of the cash flow equation.

Founded in 2021 and acquired by Shawbrook Bank in December 2025, Playter has facilitated over 250 million GBP in loans. The Shawbrook acquisition brings institutional banking resources and stability. Playter historically advertised subscription pricing starting at 550 GBP per month, and more recent reporting has described funding limits of up to 500,000 GBP, depending on the business and facility structure. Playter also features the Ari broker hub, an AI-powered platform that automates client management workflows for financial intermediaries. Per Forbes, the B2B BNPL market is experiencing rapid growth as more businesses seek flexible financing alternatives.

Feature-by-Feature Comparison

Pricing Comparison

Cost Analysis

For a B2B supplier processing 500,000 USD in monthly invoices on net 30 terms:

• Resolve: Competitive non-recourse rates on monthly invoice volume. This includes full AR automation, credit checks, and collections — functions that would otherwise require dedicated staff or separate software. Because Resolve combines financing with credit checks, invoicing, and collections automation, its fee can offset costs that many suppliers would otherwise cover through separate tools, manual AR work, and credit risk exposure.
• FundThrough: Between 13,750 USD and 41,250 USD per month depending on the rate tier. The range reflects that rates vary based on invoice terms and risk profile. FundThrough's zero-commitment model means you only pay when you choose to fund an invoice.
• Playter: The subscription model starting at 550 GBP (approximately 700 USD) per month is designed for the UK market with credit limits up to 300,000 GBP. For UK-based SMEs with consistent invoice volumes, the subscription model provides predictable monthly costs.

Resolve delivers the best value per dollar for US-based mid-market B2B suppliers because the flat fee includes a full AR automation suite that replaces manual credit checks, invoicing, and collections processes. Statistics show that AR automation significantly reduces bad debt write-offs.

Platform Strengths

Resolve 

Key Strengths:

• Complete AR automation — credit decisions, invoicing, collections, and dashboard in a single platform, reducing manual reconciliation by up to 90%
• Non-recourse financing — the advance is the seller's to keep, eliminating credit risk entirely
• Instant credit decisions — AI engine approves buyers in seconds, removing the traditional multi-day trade reference process
• Competitive flat-fee pricing — transparent non-recourse rates with no hidden charges
• Deep integrations — NetSuite, QuickBooks, BigCommerce, and Shopify connect seamlessly
• Proven scale — 15,000+ businesses served with Affirm/PayPal fintech pedigree
• White-label buyer portal — maintain your brand experience throughout the payment process
• Flexible advance rate tiers — choose from multiple tiers up to 100% based on your needs
• Won BigCommerce 2025 Innovative Integration Award — recognized for integration excellence

FundThrough

Key Strengths:

• Up to 100% advance rate — the highest in the comparison, meaning businesses keep the full invoice value minus the flat fee
• Zero commitment — no contracts, no minimum volumes, no early payoff penalties
• Fast and simple — connect QuickBooks, select invoices, get funded the next business day
• Canadian and US coverage — serves businesses in both countries
• Transparent pricing — one flat fee per invoice with no hidden charges
• Tactical flexibility — fund a single invoice or multiple invoices as needed without ongoing obligations
• AI-powered invoice assessment — automated evaluation of invoice eligibility speeds up the funding process

Playter

Key Strengths:

• Unique 360-degree model — the only platform in this comparison that finances both incoming receivables and outgoing bills
• Extended payment terms — up to 12 months, far longer than typical net 30/60/90 options
• Shawbrook Bank backing — institutional stability and access to broader financial resources since the December 2025 acquisition
• No interest on subscription — the monthly fee covers financing without additional interest charges
• AI-powered broker hub — the Ari platform automates client management workflows
• Predictable monthly cost — subscription model simplifies budgeting for consistent-volume businesses
• Over 100 million GBP facilitated — growing track record in the UK market

Who Should Choose Resolve

Resolve is the right choice for B2B suppliers, distributors, and manufacturers who want to do more than just fund invoices — they want to transform how they manage net terms and accounts receivable.

Choose Resolve if you:

• Sell B2B and want to offer net 30, 60, or 90 day terms to buyers while getting paid upfront within 24 hours
• Need a platform that handles credit checks, underwriting, invoicing, and collections in one place
• Want non-recourse protection so you bear zero credit risk on buyer defaults
• Run on NetSuite, QuickBooks, BigCommerce, or Shopify and need seamless ERP integration
• Are a US-based mid-market company looking to shrink DSO from 60 days to 1 day
• Want to reduce AR headcount and manual reconciliation work significantly
• Need instant buyer approval rather than waiting days for trade references
• Want to grow B2B sales by offering payment terms at checkout — B2B buyers consistently place larger orders when net terms are available
• Need a white-label solution that maintains your brand throughout the buyer payment experience

Resolve is particularly well-suited for companies experiencing growth constraints because of cash locked in receivables. The platform does not just accelerate cash — it automates the entire credit-to-cash workflow, effectively replacing what would otherwise require a dedicated AR team and separate financing arrangements.

Who Should Choose FundThrough

FundThrough is a strong fit for small businesses and freelancers who need straightforward invoice funding without the overhead of a full AR platform.

Choose FundThrough if you:

• Already have an AR process in place and simply need faster cash against outstanding invoices
• Want maximum flexibility with zero contracts, no minimums, and the ability to fund one invoice at a time
• Use QuickBooks heavily and want a native integration that auto-imports eligible invoices
• Operate in Canada or the US and prefer a platform with North American coverage
• Have invoices from creditworthy customers that you want to accelerate
• Prioritize the highest possible advance rate — up to 100% of the invoice value
• Need a tactical cash flow tool for specific invoices rather than a full platform commitment
• Value simplicity — FundThrough's onboarding and funding process is designed to be completed in minutes

FundThrough works best as a tactical cash flow tool rather than a strategic AR transformation. If you have a solid invoicing and collections process but occasionally need to accelerate payment on specific invoices, FundThrough delivers that service with minimal friction. For smaller businesses, FundThrough’s biggest strengths are ease of use, fast onboarding, and quick access to cash from eligible invoices.

Who Should Choose Playter

Playter is the clear choice for UK-based SMEs that need a comprehensive financing solution covering both sides of the cash flow equation.

Choose Playter if you:

• Are based in the UK and need financing designed for the UK market and regulatory environment
• Want to both spread outgoing bill payments and get paid instantly on receivables
• Need extended payment terms up to 12 months — significantly longer than standard net terms
• Prefer a predictable monthly subscription cost rather than per-transaction fees
• Operate with invoice volumes that fit within the 300,000 GBP credit limit
• Value having institutional banking support (Shawbrook Bank) behind your financing provider
• Work with a broker and want AI-powered workflow automation through the Ari platform
• Need a single platform that addresses both accounts payable and accounts receivable financing

Playter's dual-product approach — Playter Pay for outgoing bills and Playter Paid for incoming receivables — is genuinely unique in this comparison. For UK businesses managing cash flow pressure on both the payables and receivables side, consolidating both into one platform simplifies operations considerably.

Final Verdict

For US-based B2B suppliers who want to offer net terms, eliminate credit risk, and automate their entire AR workflow, Resolve is the most complete solution in this comparison. The combination of non-recourse financing, AI-powered instant credit decisions, and deep ERP integrations means Resolve replaces not just a financing provider but also manual AR processes — shrinking DSO from 60 days to 1 day while reducing reconciliation work by up to 90%.

FundThrough earns its place as the simplest, most flexible invoice funding option. The 100% advance rate and zero-commitment model make it ideal for businesses that need occasional fast cash without signing up for a full platform. For Canadian businesses especially, FundThrough's North American coverage is a practical advantage.

Playter stands alone as the 360-degree B2B financing tool for UK SMEs. No other platform in this comparison lets you spread outgoing bills and get paid instantly on receivables through a single subscription. The Shawbrook Bank acquisition only strengthens its position in the UK market.

The right choice depends on your geography, your scale, and whether you need simple invoice funding or full AR transformation.

See how Resolve works →

Frequently Asked Questions 

What is the main difference between Resolve and FundThrough?

Resolve is a B2B net terms financing platform that automates the entire accounts receivable lifecycle — from credit checks and underwriting to invoicing and collections — while offering non-recourse advances within 24 hours. FundThrough is a simpler invoice factoring tool that advances up to 100% of an existing invoice's value with no contracts or minimums. Resolve replaces manual AR processes; FundThrough accelerates payment on invoices you have already sent. According to NerdWallet, understanding the difference between net terms financing and invoice factoring is key to choosing the right cash flow solution.

Is Playter available in the United States?

As of 2026, Playter operates exclusively in the UK market. The platform is designed for UK-based SMEs and processes transactions in GBP. US-based businesses looking for B2B invoice financing should consider Resolve for full AR automation or FundThrough for simple invoice funding.

What does non-recourse financing mean and which platform offers it?

Non-recourse financing means the seller keeps the advance payment even if the buyer fails to pay the invoice. Resolve offers non-recourse net terms financing, meaning the credit risk transfers to Resolve once the advance is made. This provides sellers with complete protection against buyer defaults, which is particularly valuable for businesses expanding into new markets or onboarding new B2B customers.

How fast can I get funded with each platform?

Resolve funds sellers within 1 to 2 business days after approval, with AI-powered credit decisions that approve buyers in seconds. FundThrough typically delivers payment the next business day after invoice approval. Playter Paid pays suppliers on day one when their buyers use the Playter Paid checkout.

Can I use FundThrough without a long-term contract?

Yes. FundThrough requires no contracts, no minimum invoice volumes, and charges no early payoff penalties. You can fund a single invoice and never use the platform again with no financial obligation. This makes it the most flexible option for businesses that need occasional, on-demand invoice funding.

Which platform is best for businesses using NetSuite or Shopify?

Resolve integrates with NetSuite, QuickBooks, Shopify, BigCommerce, Magento, WooCommerce, Xero, Sage Intacct, and other systems, making it a strong fit for businesses that need financing and AR automation embedded into their existing stack. Resolve won BigCommerce's 2025 Innovative Integration Award, underscoring its commitment to deep e-commerce integrations. FundThrough integrates with QuickBooks and OpenInvoice. Playter's integration ecosystem is focused on the UK market.

How does Playter's subscription pricing compare to per-transaction fees?

Playter has historically marketed subscription-based pricing starting at 550 GBP per month instead of a standard per-invoice fee model, though actual costs can still vary depending on the facility and terms. For businesses with consistent, high invoice volumes that stay within the 300,000 GBP credit limit, the subscription model can be more cost-effective than per-transaction fees. For businesses with variable invoice activity, Resolve's pay-per-use flat fee model provides more flexibility since you only pay when you use the service.

What makes Resolve's AR automation different from standalone AR tools?

Resolve combines net terms financing with AR automation in a single platform. This means credit checks, buyer approvals, invoicing, payment reminders, collections, and reconciliation all happen automatically — and the seller gets paid upfront while Resolve manages the entire downstream process. Standalone AR tools automate the workflow but still require the seller to wait for buyer payment. That combination of financing and workflow automation is one of the main ways Resolve differs from standalone AR software.

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.