ResolvePay vs Kickfurther

When B2B businesses need to accelerate growth while managing cash flow and reducing risk, choosing between financing solutions becomes a critical decision. According to the Federal Reserve's Small Business Credit Survey, cash flow challenges remain one of the top concerns for growing businesses. Two prominent options—ResolvePay and Kickfurther—represent fundamentally different approaches to business financing. While Kickfurther specializes in inventory consignment financing through a crowdfunding model, ResolvePay offers a comprehensive B2B payments platform that streamlines credit, invoicing, and collections while providing 100% non-recourse protection. This comparison examines both solutions to help B2B sellers make informed decisions about enhancing customer relationships while protecting their cash flow.

Key Takeaways

ResolvePay delivers 100% non-recourse invoice financing with advanced AR automation, while Kickfurther provides inventory consignment financing through a crowdfunding model
B2B sellers benefit from ResolvePay's comprehensive credit-to-cash platform that eliminates bad debt risk and accelerates cash flow within 1-2 business days
ResolvePay offers robust e-commerce integrations with Shopify, BigCommerce, WooCommerce, and accounting platforms like QuickBooks, while Kickfurther has limited integration capabilities
ResolvePay's transparent pricing starts at 3.15% USD for Net 30 terms with no monthly minimums, compared to Kickfurther's consignment-based fees that vary by deal
For businesses seeking to grow B2B sales while managing cash flow and reducing risk, ResolvePay's embedded payments platform provides a comprehensive solution for the entire credit-to-cash lifecycle

Understanding each company's core positioning

Kickfurther positions itself as an inventory financing solution, specifically designed for e-commerce brands and manufacturers who need capital to purchase inventory before sales are secured. The platform operates on a consignment crowdfunding model where external investors fund inventory purchases, and repayment is aligned with actual sales. This approach helps businesses keep financing off their balance sheet until products are sold, addressing inventory procurement needs.

ResolvePay takes a different approach, focusing on the entire B2B credit-to-cash lifecycle. Founded by former Amazon and PayPal executives, ResolvePay specializes in B2B net terms and accounts receivable automation for businesses with $1M+ annual B2B revenue. ResolvePay provides upfront payment on approved invoices while managing the entire credit and collections process. The platform combines embedded credit expertise, embedded invoice financing, and embedded payments into a single solution that enhances buyer relationships while streamlining complex workflows.

The fundamental difference lies in their focus areas: Kickfurther funds inventory purchases before sales occur, while ResolvePay accelerates cash flow after sales are completed by providing immediate payment on approved invoices. Research from the JPMorgan Chase Institute shows that cash flow volatility is a critical challenge for small businesses, particularly in managing the gap between expenses and revenue collection.

Service offerings show distinct strategic focuses

Kickfurther's service portfolio focuses on inventory financing:

Inventory consignment crowdfunding for finished goods
Sales-aligned repayment structure tied to actual inventory sales
Off-balance sheet financing to preserve existing credit lines
Inventory-focused financing model

ResolvePay's services encompass the entire B2B credit-to-cash lifecycle:

B2B Net Terms with 100% non-recourse protection
AI-powered Accounts Receivable automation for streamlined collections
Instant credit decisions using proprietary AI models
Seamless integrations with leading ERP, accounting, and ecommerce platforms
Business credit checks requiring only a company name and address
Branded payment portals accepting ACH, credit card, wire, or check

The comprehensive nature of ResolvePay's platform addresses the full spectrum of B2B payment challenges, from initial credit assessment through final payment collection. According to industry research on B2B payment terms, businesses offering net terms often experience payment cycles averaging 30-60 days. ResolvePay directly addresses this challenge by providing upfront payment on approved invoices while managing the entire collections process, effectively transforming the B2B payment experience for both sellers and buyers.

Pricing models reflect different value propositions

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

Kickfurther's pricing structure:

Consignment fees based on funding amount and duration
Fees vary by specific deal terms and structure
Monthly Co-Op fees may apply for ongoing platform access
Costs only incurred when funding is successfully used
No upfront setup fees

ResolvePay's pricing structure:

Transparent transaction fee based on invoice term length and advance rate
3.15% USD flat fee for Net 30 terms with 90% advance (subject to risk assessment)
Risk-based rates for Net 60/90 terms
No monthly minimums or hidden fees
Credit card fees passed directly to buyers through the payment portal

ResolvePay's pricing structure offers predictable costs for B2B businesses through a transparent, per-transaction model that ensures businesses only pay for the services they use, with no ongoing subscription fees. The comprehensive platform includes credit assessment, invoice financing, collections management, and AR automation for a single transparent fee.

Target customers reveal strategic alignment differences

Kickfurther primarily serves e-commerce brands and manufacturers who need capital specifically for inventory procurement. Their customers are businesses that have established sales channels but face working capital constraints when purchasing inventory. The platform serves consumer packaged goods (CPG) brands and direct-to-consumer (DTC) businesses.

ResolvePay targets established B2B businesses with $1M+ annual B2B revenue that regularly offer net payment terms to their customers. These organizations typically seek solutions for managing payment timelines, credit risk, and AR processes. ResolvePay's platform serves businesses across industries including manufacturing, wholesale distribution, construction, and professional services that need to streamline their B2B payment operations while growing sales.

Both platforms serve distinct business needs within the financing landscape. B2B sellers focused on managing the credit-to-cash lifecycle benefit from comprehensive solutions for the entire payment relationship. ResolvePay's platform addresses credit assessment, invoice financing, collections automation, and risk management in a single integrated solution.

Results and case studies demonstrate execution advantages

Both companies showcase results relevant to their respective service areas.

Kickfurther's results focus on inventory financing outcomes:

Funding available for inventory cost (COGS)
Repayment aligned with actual sales performance
Off-balance sheet financing preserving existing credit lines
Funds typically available within 1 day upon deal approval

ResolvePay's results emphasize comprehensive B2B payment transformation:

Get paid in 1 day instead of 60 on approved invoices
50% reduction in time managing receivables through automated workflows
9x faster credit checks using AI-powered underwriting
Average 30-60% faster payment cycles through streamlined collections
How Archipelago Tripled Their Revenue Through Resolve by enhancing buyer purchasing power

ResolvePay's platform transforms the B2B payment relationship, enabling businesses to offer net terms and grow revenue while protecting their cash flow and reducing operational overhead through comprehensive automation and risk management.

Technology and automation capabilities

Kickfurther's technology focuses on inventory deal management and investor crowdfunding:

Deal creation and management interface
Investor crowdfunding platform
Inventory tracking and repayment calculation
Platform-specific tools for inventory financing

ResolvePay's technology leverages advanced AI and automation across the entire B2B payment lifecycle:

AI-powered credit decisions evaluating thousands of buyer data points in real time
Automated reconciliation for any invoice structure—net terms, COD, or due upon receipt
AI agents to manage workflows and automate payment reminders
LLM-powered invoicing workflow ensuring every transaction is synced and reconciled automatically
Smart Bookkeeping Automation that maps and syncs transaction data in real time
Flexible APIs and technical team ensure you can integrate Resolve with any existing system

The automation capabilities in ResolvePay's platform can reduce manual work by up to 90% while providing deeper insights into customer creditworthiness and payment behavior. These advanced features support B2B businesses managing complex AR operations across multiple customers and sales channels.

Integration ecosystem and compatibility

Kickfurther's integrations focus on basic platform connectivity:

Payout integrations with e-commerce platforms
Basic accounting software connectivity
Platform-specific integration capabilities

ResolvePay's integration ecosystem is comprehensive and purpose-built for B2B operations:

Seamless integration with QuickBooks Online, automatically syncing all transactions to the original invoice
Full compatibility with Shopify, BigCommerce, Magento, and WooCommerce for embedded net terms at checkout
ERP integrations with NetSuite, Oracle, and Sage Intacct
Flexible APIs that can be integrated into any custom e-commerce implementation
Automatic customer data synchronization eliminating manual data entry

The integration capabilities enable B2B businesses that operate across multiple sales channels and systems to centralize their B2B payment activities, ensuring data consistency and operational efficiency across their entire technology stack.

Risk management and protection

Kickfurther's risk model is based on consignment financing:

Repayment tied directly to inventory sales performance
No traditional debt obligations for the business
Consignment-based risk structure
Inventory-focused financing approach

ResolvePay's risk model provides comprehensive protection for B2B sellers:

100% non-recourse financing—all cash advances are yours to keep regardless of buyer payment
Resolve takes on the credit assessment, credit decision, and the majority risk of late payments or defaults
Resolve is non-recourse and risk-free to you
Expert credit underwriting by professionals formerly of Amazon, PayPal, and Fortune 500 firms
Comprehensive collections management including payment reminders and late payment chasing

ResolvePay's comprehensive protection addresses the primary risk faced by B2B sellers offering extended credit terms—the risk of non-payment. This protection enables businesses to confidently offer net terms to new and existing customers, driving sales growth without exposing their cash flow to bad debt risk. According to research on small business financing, credit risk management is a critical factor in maintaining healthy cash flow for growing businesses.

ResolvePay's comprehensive value for B2B businesses

B2B businesses face unique challenges in managing the entire credit-to-cash lifecycle while protecting cash flow and reducing operational complexity. ResolvePay's platform addresses these challenges through an integrated approach.

Key features of ResolvePay's platform:

Comprehensive risk protection: Provides 100% non-recourse protection against bad debt, enabling businesses to confidently offer net terms and grow sales without cash flow risk
End-to-end automation: Automated reconciliation for any invoice structure and AI-powered workflows reduce manual AR work by up to 90%, freeing teams to focus on strategic growth activities
Seamless technology integration: Flexible APIs and technical team ensure you can integrate Resolve with existing ERP, accounting, and e-commerce systems, creating a unified payment experience across all channels
Enhanced buyer experience: Buy what your business needs now and pay later with 0% interest for 30-60 days, increasing customer loyalty and driving larger, more frequent orders
Transparent, predictable pricing: 3.15% USD flat fee for Net 30 terms with no monthly minimums or hidden fees, providing clear cost visibility and budget predictability

For B2B businesses seeking to grow sales while managing cash flow and reducing risk, ResolvePay represents a modern approach to B2B payment management. The combination of comprehensive risk protection, advanced automation, seamless integration, and transparent pricing creates a complete solution for businesses managing the complexities of B2B credit and collections.

Frequently Asked Questions

What is the core difference between ResolvePay and traditional factoring services?

ResolvePay differs from traditional factoring in several key ways. First, ResolvePay offers 100% non-recourse financing, meaning you keep all cash advances regardless of whether your customers pay. Traditional factoring often includes recourse provisions that require you to repay advances if customers default. Second, ResolvePay provides a comprehensive technology platform that includes AI-powered credit decisions, automated collections, and seamless accounting integrations, while traditional factoring typically focuses only on invoice purchasing without automation. Finally, ResolvePay's transparent pricing starts at 3.15% USD for Net 30 terms with no monthly minimums, compared to traditional factoring's complex fee structures that often include monthly minimums and hidden charges.

Can ResolvePay integrate with my existing accounting and ecommerce platforms?

Yes, ResolvePay offers seamless integration with leading accounting and ecommerce platforms. The platform integrates directly with QuickBooks Online, Xero, NetSuite, and Sage Intacct for accounting software, and Shopify, BigCommerce, Magento, and WooCommerce for ecommerce platforms. ResolvePay's flexible APIs can also be integrated into any custom ecommerce implementation. These integrations enable automatic data synchronization, eliminating manual data entry and ensuring accurate financial reporting. All transactions are automatically synced to your original invoices, and ResolvePay's smart bookkeeping automation maps and syncs transaction data in real time.

What are the typical fees associated with using ResolvePay's net terms services?

ResolvePay's pricing is transparent and based on invoice term length and advance rate. The standard fee is 3.15% USD for Net 30 terms with a 90% advance rate, subject to risk assessment. For Net 60 and Net 90 terms, fees are risk-based and determined by the specific credit profile of your customers. There are no monthly minimums, setup fees, or hidden charges. Credit card fees are passed directly to your buyers through the online payment portal, so you never pay processing fees. This transparent, per-transaction pricing model ensures you only pay for the services you use, with no ongoing subscription costs.

How does ResolvePay assess a buyer's creditworthiness?

ResolvePay uses a combination of proprietary AI models and human expertise to assess buyer creditworthiness. The platform's proprietary AI models evaluate thousands of buyer data points to generate dynamic, scalable credit decisions in real time. The credit assessment process is streamlined and discreet—requiring only your customer's business name and address to initiate a credit check. ResolvePay's experts, formerly of Amazon, PayPal, and Fortune 500 firms, deliver deeper credit insights than traditional bureaus by combining AI analysis with behavioral signals and human expertise. Credit decisions are typically delivered within 24-48 hours, with some purchases up to $25,000 USD qualifying for instant approval.

Is ResolvePay suitable for small B2B businesses or primarily for larger enterprises?

ResolvePay is designed for established B2B businesses with $1M+ annual B2B revenue. This eligibility requirement ensures that clients have sufficient transaction volume and business maturity to benefit from the platform's comprehensive features. While this may exclude very small businesses, it makes ResolvePay ideal for growing B2B companies that have moved beyond the startup phase and are ready to scale their operations. The platform is particularly valuable for businesses that regularly offer net payment terms to their customers and need to manage the associated cash flow and risk challenges. Companies across industries including manufacturing, wholesale distribution, construction, and professional services have successfully implemented ResolvePay to accelerate growth and streamline operations.

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.