Distributors extending credit to dozens of buyers across multiple industries face significant portfolio risk. Traditional trade credit insurance typically covers 85-95% of invoice value after customer default. Modern platforms like Resolve's B2B Payments Platform offer a different approach: advancing up to 90% of invoice value within 1-2 business days while handling credit checks, approvals, and collections through a comprehensive platform.
Trade credit insurance serves as protection for distributors who extend payment terms to multiple buyers, covering accounts receivable from financial losses when customers fail to pay. This insurance product addresses three primary risk categories:
For distributors managing large, diverse customer segments across various industries, portfolio-based coverage provides comprehensive protection against accumulated risk without requiring individual policy management for each buyer. This "whole turnover" approach covers the entire buyer portfolio under a single policy, with premium rates reflecting the average credit risk across all insured customers.
The insurance market offers several policy structures tailored to different business needs:
Whole Turnover Policies: Cover all buyers within a portfolio, preventing adverse selection by requiring complete coverage rather than selective protection. This model works best for distributors with dozens of buyers across multiple industries.
Single-Buyer Policies: Provide targeted coverage for specific high-value customers representing significant concentration risk. These policies serve situations where a distributor's top customers represent substantial revenue concentration.
Top Accounts Coverage: Focuses protection on the largest customers by revenue volume, typically covering accounts that drive the majority of sales.
Trade credit insurance delivers several strategic advantages for distributors managing complex buyer relationships:
Distributors face unique portfolio risk challenges due to their business model of serving numerous buyers across different industries and geographies. Trade credit insurance provides a structured approach to managing these complex exposures.
Trade credit insurance analyzes total portfolio risk by evaluating the collective creditworthiness of all insured buyers. This approach recognizes that while individual customer defaults are unpredictable, portfolio-level default rates follow more consistent patterns. Major insurers monitor tens of millions of businesses worldwide to assess portfolio risk accurately.
For distributors, this means:
The current economic environment presents elevated risks for B2B distributors, with corporate insolvencies showing notable increases in recent periods. Trade credit insurance provides a buffer against these systemic shocks by:
Effective portfolio risk management requires proactive planning. Distributors should consider:
Resolve transforms credit risk management by integrating credit expertise, invoice financing, and payments into a single platform. The platform eliminates risk through non-recourse financing while automating the entire accounts receivable workflow.
The B2B Payments Platform serves as a unified system for every B2B transaction, whether ecommerce, marketplace, traditional sales, or hybrid. This centralized approach provides:
Distributors gain a comprehensive view of their entire credit portfolio without switching between multiple systems or maintaining manual spreadsheets.
Resolve's proprietary AI models evaluate thousands of buyer data points to generate dynamic, scalable credit decisions. The system incorporates:
This sophisticated underwriting approach enables credit decisions in 30 seconds to 48 hours. For qualified buyers, instant approvals up to $25,000 are possible, enabling streamlined B2B purchasing experiences.
The platform eliminates manual collections work through AI-powered automation that manages the entire payment lifecycle:
This automation reduces the time spent managing receivables by 50% while maintaining professional customer relationships. The white-label payment portal ensures distributors retain ownership of customer interactions.
Resolve's approach differs from trade credit insurance by assuming credit risk rather than transferring it. The platform advances payment upfront and handles all aspects of credit management and collections.
The Business Credit Check service delivers instant, data-rich credit decisions requiring only a customer's business name and address. This streamlined process eliminates lengthy forms, financial statements, and reference checks.
Resolve's experts—formerly of Amazon, PayPal, and Fortune 500 firms—deliver deeper credit insights by combining AI analysis with human expertise. Results are delivered within 24 business hours, with many decisions available instantly for qualified buyers.
This frictionless application process enables distributors to offer credit approval at the point of sale, whether online or through field representatives.
Resolve advances up to 90% of invoice value within 24 hours for approved customers, with the advance being completely non-recourse. This means:
The non-recourse nature ensures distributors never lose money on approved transactions.
Resolve provides a white-label payment portal that accepts ACH, credit card, wire, or check payments while maintaining the distributor's brand identity. This professional interface:
The payment portal integrates seamlessly with the credit approval process, allowing customers to apply for net terms and make payments through the same branded interface.
Resolve's platform actively drives sales growth by enhancing buyer purchasing power and loyalty. Distributors using Resolve report significant improvements in key business metrics, including 40% higher average order value and 20% year-over-year sales growth.
The ability to offer net 30, 60, or 90-day payment terms without bearing the associated risk transforms distributor competitiveness. Resolve handles all aspects of credit risk, allowing distributors to:
The Resolve for Sellers platform ensures distributors get paid upfront while customers enjoy extended terms.
By providing customers with dedicated credit lines, Resolve enables distributors to unlock additional purchasing power. This credit availability:
For ecommerce distributors, the Net Terms for Ecommerce solution integrates directly into existing checkout flows, providing instant credit approval.
The modern B2B buyer expects a convenient purchasing experience. Resolve's platform delivers this through:
This enhanced buyer experience increases satisfaction while reducing the administrative burden on distributor staff.
Resolve's platform integrates seamlessly with existing accounting, ERP, and ecommerce systems, ensuring smooth implementation without disrupting established workflows.
Resolve offers built-in integrations with leading business platforms, including:
These integrations enable automatic data synchronization, eliminating manual data entry and ensuring financial accuracy across systems.
For distributors with custom or legacy systems, Resolve's flexible API provides comprehensive integration capabilities:
The platform's AI-powered bookkeeping automation ensures complete financial accuracy through:
This automated approach eliminates reconciliation challenges, reducing accounting errors and improving financial reporting accuracy.
Resolve's non-recourse financing model provides comprehensive financial protection. The platform eliminates risk upfront by assuming credit responsibility and providing immediate working capital.
The fundamental advantage of Resolve's approach is the elimination of the cash flow timing gap. Distributors receive:
This cash flow acceleration enables distributors to invest in growth opportunities, pay suppliers promptly, and avoid expensive short-term financing.
Resolve provides access to expert credit underwriting without the need to build an internal credit team. The platform combines:
This "credit team on tap" delivers comprehensive insights while eliminating the costs associated with maintaining internal credit staff.
By accelerating cash flow and eliminating bad debt risk, Resolve directly improves key financial metrics:
Trade credit insurance provides valuable protection for distributors managing portfolio risk across multiple buyers. Modern platforms like Resolve offer a comprehensive alternative by combining embedded credit expertise, non-recourse invoice financing, and automated payments into a single infrastructure.
Resolve's platform streamlines the entire credit-to-cash cycle through AI-powered automation, expert underwriting, and immediate working capital. By advancing up to 90% of invoice value within 24 hours on a non-recourse basis, Resolve eliminates credit risk while accelerating cash flow. The platform's seamless integration with existing systems and white-label payment portal ensures smooth implementation without disrupting established workflows.
For distributors managing dozens of buyer relationships across multiple industries, Resolve provides the scale, automation, and risk protection needed to compete effectively in today's B2B marketplace. The result is a credit program that drives sales growth, protects cash flow, and enhances customer relationships through a single, integrated platform.
Resolve's Business Credit Check service requires only a customer's business name and address, delivering results within 24 hours using AI-powered underwriting that evaluates thousands of data points. Resolve's experts—formerly of Amazon, PayPal, and Fortune 500 firms—combine AI analysis with human expertise to deliver comprehensive credit insights through proprietary financial databases and behavioral analysis.
Trade credit insurance transfers risk after customer default occurs, typically covering 85-95% of invoice value. Resolve eliminates risk entirely through non-recourse financing that advances up to 90% of invoice value within 24 hours, with zero merchant risk. Resolve also handles all credit checks, approvals, and collections automatically through an integrated platform.
Yes, Resolve offers built-in integrations with leading platforms including QuickBooks, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. The platform also provides flexible APIs for custom integrations with legacy or proprietary systems. All transactions are automatically recorded and synced to accounting software with AI-powered data mapping for accurate financial reporting.
Resolve advances up to 90% of invoice value within 24 hours for approved customers. The advance is non-recourse, meaning distributors keep the payment regardless of whether the customer ultimately pays. This immediate cash flow eliminates the typical 30-90 day waiting period associated with traditional net terms.
Resolve serves mid-market and enterprise distributors with a minimum annual B2B revenue requirement of $1M. The platform is designed for businesses that need sophisticated credit management capabilities with automated workflows, comprehensive integrations, and non-recourse financing to support growth.
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.