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.
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.
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.
The pricing structures reveal each company's target market and service philosophy.
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.
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.
Both companies showcase results relevant to their respective service areas.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.