ResolvePay vs Slope

When B2B businesses need to offer net terms while protecting cash flow, choosing between payment platforms becomes a critical strategic decision. According to the U.S. Small Business Administration, effective management of payment terms is essential for maintaining healthy cash flow in B2B operations. Two prominent options—ResolvePay and Slope—represent different approaches to B2B payments and credit management. While Slope operates as an API-first platform requiring technical implementation, ResolvePay offers a comprehensive, risk-free solution with transparent pricing and turnkey integrations. This comparison reveals why ResolvePay's non-recourse model and rapid deployment serve B2B manufacturers, wholesalers, and e-commerce businesses seeking predictable costs and immediate cash flow improvement. Discover how ResolvePay powers B2B Payments with a platform that streamlines net terms, reconciliation, and invoicing.

Key Takeaways

• ResolvePay delivers 100% non-recourse financing with transparent 3.15% fees for Net 30 terms, while Slope uses a shared-risk model with custom pricing
• ResolvePay offers rapid implementation—hours to days versus Slope's typical 1-2 week timeline—enabling immediate revenue impact
• ResolvePay's award-winning integrations include the 2023 BigCommerce B2B Innovative Integration Award, providing native e-commerce connectivity
• ResolvePay serves a network of over 12,000 business buyers, creating extensive purchasing power across B2B verticals
• ResolvePay is highly rated by customers for responsive support with dedicated implementation assistance
• ResolvePay's AI-powered platform reduces manual AR work by 90%, automating credit decisions, invoicing, collections, and reconciliation in one unified system

Understanding each company's core positioning

Slope positions itself as an API-first B2B payment platform focused on enterprise-level technology integration. Founded in 2021 and based in San Francisco, Slope has raised approximately $187 million in funding as of 2023, and announced a financing partnership with J.P. Morgan in early 2024. The platform targets enterprises with partnerships like IKEA and emphasizes AI-driven underwriting through SlopeAI and SlopeGPT models. Slope's approach requires technical expertise for implementation and operates on a shared-risk financing model.

ResolvePay takes a different approach designed for businesses seeking immediate cash flow solutions. Founded in 2019 by former Affirm executives and also based in San Francisco, ResolvePay has raised $60 million USD in Series A funding and serves over 15,000 businesses with a network of 12,000+ business buyers. Rather than requiring complex API integration, ResolvePay offers turnkey connectors and pre-built integrations that deploy in hours to days. The platform's defining feature is its 100% non-recourse financing model—ResolvePay assumes all credit risk on approved invoices, meaning merchants keep 100% of advance payments regardless of customer defaults. This risk-elimination approach makes ResolvePay particularly well-suited for businesses prioritizing cash flow protection.

The fundamental difference lies in philosophy: Slope builds payment infrastructure for enterprises with technical resources, while ResolvePay delivers immediate cash flow solutions for businesses of all sizes seeking risk-free net terms.

Service offerings show distinct strategic focuses

Slope's service portfolio emphasizes technical infrastructure and AI innovation:

• API-first payment processing designed for developer integration
• Shared-risk financing model
• AI underwriting models (SlopeAI, SlopeGPT, TransFormer)
• Enterprise-focused implementation process
• Custom integration capabilities

ResolvePay's services focus on comprehensive cash flow solutions with complete risk elimination:

• 100% non-recourse financing eliminating all credit risk exposure
• AI-powered Accounts Receivable automation reducing manual work by 90%
• Transparent 3.15% flat fees for Net 30 terms with no hidden charges
• White-label payment portal supporting ACH, wire, credit card, and check payments
• Native e-commerce integrations with BigCommerce, Shopify, and other platforms

ResolvePay's comprehensive approach allows for immediate deployment and risk-free operation. While Slope's implementation typically requires 1-2 weeks for API integration, ResolvePay's pre-built integrations enable deployment in hours to days. This speed advantage becomes valuable for businesses needing to offer net terms immediately to close sales and improve cash flow.

Pricing models reflect different value propositions

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

Slope's pricing structure:

• Custom pricing based on business requirements
• Shared-risk financing model
• Implementation through API integration
• Pricing determined through consultation process

ResolvePay's pricing structure:

• Transparent 3.15% flat fee for Net 30 terms with 90% advance
• Zero setup fees or monthly minimums
• 100% non-recourse financing eliminating all credit risk
• Credit card fees passable to buyers through branded payment portal
• Predictable costs enabling accurate budget planning

According to a Federal Reserve study on B2B payment methods, transparency in payment terms and fees contributes to stronger business relationships and more efficient cash flow management.

ResolvePay's transparent pricing structure provides cost certainty for B2B businesses. For a $10,000 USD invoice, ResolvePay costs $315 USD compared to traditional factoring's estimated $2,000-4,000 USD, representing significant cost savings. ResolvePay's transparent model enables immediate ROI calculation and budget planning.

Target customers reveal strategic alignment differences

Slope primarily serves enterprises with technical resources. Their clients include companies like IKEA that have dedicated development teams capable of implementing API-first solutions. These organizations can accommodate technical implementation timelines and have the resources to manage API-based integrations.

ResolvePay targets B2B manufacturers, wholesalers, and e-commerce businesses with $1M+ annual revenue that need immediate cash flow solutions. These organizations typically have existing sales processes but seek comprehensive AR automation and risk-free net terms capabilities. Notable examples include Lift Foils scaling pre-season orders and SSSI achieving 5x revenue growth. You can explore their customer success stories to see detailed results across various B2B verticals.

ResolvePay's model serves businesses that need risk-free net terms and immediate cash flow improvement without requiring dedicated technical resources for implementation.

Results and case studies demonstrate different approaches

Both companies showcase results that reflect their distinct market positioning.

Slope's results emphasize enterprise credibility and AI innovation:

• Strategic financing partnership with J.P. Morgan
• Enterprise partnerships including IKEA
• Advanced AI models for underwriting
• API-first infrastructure for custom integrations

ResolvePay's results emphasize rapid deployment and measurable business impact:

• Archipelago tripled revenue through Resolve-powered net terms
• ConEquip grew net terms without increasing credit risk
• 2023 BigCommerce B2B Innovative Integration Award for addressing critical merchant needs
• Meaningful outcomes delivered in hours to days of implementation
• 90% reduction in AR manual work enabling immediate productivity gains

ResolvePay's rapid implementation timeline delivers results quickly for businesses facing cash flow constraints or competitive pressure to offer payment terms.

Methodology and approach define the engagement experience

Slope's methodology centers on API-first infrastructure and enterprise-grade technology. Engagements involve technical assessment and API integration planning, requiring developer resources to implement connections. The platform is designed for organizations with technical teams that can manage API-based integrations.

ResolvePay's approach emphasizes turnkey deployment and complete risk elimination. Implementation begins with pre-built integrations that connect to existing ERP and e-commerce systems in hours to days. The 100% non-recourse model means ResolvePay assumes all credit risk on approved invoices, allowing merchants to offer net terms without balance sheet exposure. AI-powered automation handles credit decisions, invoicing, collections, and reconciliation, reducing manual AR work by 90%.

ResolvePay delivers cash flow solutions in hours to days through pre-built integrations and automated workflows, enabling businesses to offer net terms immediately.

Team structure and expertise concentration matter

Slope's team structure:

• Founded in 2021 with focus on enterprise development
• Technical expertise in API and AI development
• Enterprise-focused implementation resources
• Financial backing from institutional partners

ResolvePay's structure:

• Founded in 2019 by former Affirm executives
• Experts formerly of Amazon, PayPal, and Fortune 500 firms
• ResolvePay is highly rated by customers for responsive support with dedicated implementation assistance
• Comprehensive expertise across credit, payments, and AR automation
• 15,000+ businesses served demonstrating operational maturity

ResolvePay's customer support and implementation assistance ensure smooth onboarding and ongoing relationship management, which is particularly valuable for businesses relying on payment platforms for critical cash flow operations.

Market presence and credibility show different strengths

Slope's market presence reflects its enterprise focus:

• Approximately $187 million in funding as of 2023
• Financing partnership with J.P. Morgan announced in early 2024
• IKEA partnership demonstrating enterprise capability
• AI-first innovation with SlopeGPT and TransFormer models
• Focus on API-based enterprise integrations

ResolvePay's credibility comes from extensive network and proven results:

• 12,000+ business buyers with billions in purchasing credit issued
• 2023 BigCommerce B2B Innovative Integration Award recognizing merchant-focused innovation
• 15,000+ businesses served across diverse B2B verticals
• Comprehensive case studies demonstrating measurable results
• Transparent pricing and non-recourse model

ResolvePay's extensive buyer network and proven results demonstrate the platform's effectiveness across diverse B2B industries and business sizes.

Why ResolvePay delivers comprehensive value for B2B businesses

B2B businesses face unique cash flow challenges that require reliable payment solutions. According to the U.S. Census Bureau's B2B e-commerce report, B2B e-commerce sales continue to grow rapidly, making efficient payment processing increasingly critical. ResolvePay addresses these needs through complete risk elimination and rapid deployment.

Key advantages of ResolvePay's approach:

• Complete risk elimination: 100% non-recourse financing protects against all customer defaults. This protection is particularly valuable for businesses that cannot absorb bad debt losses while maintaining healthy margins.
• Transparent, predictable pricing: 3.15% flat fees for Net 30 terms with zero hidden charges enable accurate budget planning and immediate ROI calculation.
• Rapid implementation: Hours to days deployment via turnkey connectors enables immediate revenue impact and sales team empowerment without technical complexity.
• Comprehensive AR automation: 90% reduction in manual AR work through AI-powered credit decisions, invoicing, collections, and reconciliation. This automation frees 14+ hours weekly of administrative burden.
• Award-winning e-commerce integration: 2023 BigCommerce B2B Innovative Integration Award validates ResolvePay's merchant-focused approach, enabling Net 30/60/90 terms at checkout to boost conversion and average order value.
• Responsive customer support: ResolvePay is highly rated for responsive support with dedicated implementation assistance, ensuring smooth operations and rapid issue resolution.

For B2B businesses seeking cash flow improvement without credit risk exposure, ResolvePay provides a comprehensive solution. The combination of complete risk elimination, transparent pricing, rapid deployment, and comprehensive automation creates a compelling value proposition for businesses prioritizing predictable costs and immediate results.

Frequently Asked Questions

What specific types of B2B businesses benefit most from ResolvePay versus Slope's API-first approach?

ResolvePay excels with B2B manufacturers, wholesalers, and e-commerce businesses with $1M+ annual revenue that need immediate cash flow solutions. These companies typically have existing sales processes but seek risk-free net terms capabilities and comprehensive AR automation. They benefit from ResolvePay's turnkey integrations, 100% non-recourse financing, and transparent 3.15% pricing. Ideal ResolvePay clients include businesses serving the construction, industrial equipment, and specialty distribution sectors that need to offer net terms without credit risk exposure. Slope serves enterprises with dedicated development teams that can implement API integrations and manage technical infrastructure.

How do the implementation timelines and risk exposure differ between ResolvePay and Slope?

ResolvePay operates on accelerated timelines with complete risk elimination—deployment in hours to days at 3.15% flat fees with 100% non-recourse financing. The pre-built integrations connect to existing ERP and e-commerce systems immediately, enabling sales teams to offer net terms within days. Slope's implementation typically requires 1-2 weeks through API integration with dedicated developer resources, and operates on a shared-risk model. ResolvePay's turnkey deployment and complete risk elimination serve businesses needing immediate cash flow protection.

What measurable ROI differences exist between ResolvePay's comprehensive approach for typical B2B businesses?

B2B businesses implementing ResolvePay report measurable results including 90% reduction in AR manual work, 5x revenue growth, and tripled revenue through risk-free net terms. The transparent 3.15% pricing enables accurate ROI calculation—$315 USD for a $10,000 USD invoice compared to traditional factoring's estimated $2,000-4,000 USD cost. ResolvePay's immediate deployment and complete risk elimination typically generate strong ROI for businesses with existing sales processes seeking to add net terms capabilities.

How does ResolvePay handle e-commerce integration and customer experience?

ResolvePay provides native e-commerce integrations with BigCommerce (2023 B2B Innovative Integration Award winner), Shopify, Magento, and WooCommerce, enabling Net 30/60/90 terms directly at checkout. The white-label payment portal maintains merchant brand control while supporting ACH, wire, credit card, and check payments, preserving customer relationships. ResolvePay's merchant-focused approach enables immediate e-commerce enhancement without requiring dedicated development resources or technical implementation timelines.

What support and ongoing relationship models does ResolvePay offer to ensure successful platform adoption?

ResolvePay is highly rated by customers for responsive support with dedicated implementation assistance. The comprehensive platform includes AI-powered automation that handles credit decisions, invoicing, collections, and reconciliation, reducing the need for ongoing platform management. ResolvePay's comprehensive automation and responsive team create minimal dependency on internal technical resources and enable straightforward long-term platform management for B2B businesses.

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.