Aug 21, 2026
When B2B sellers evaluate financing solutions to improve cash flow and offer payment terms to customers, TreviPay and Accion Opportunity Fund often appear in the conversation, but these two options serve fundamentally different business needs. TreviPay operates as an enterprise-focused trade credit platform, while Accion Opportunity Fund provides small business loans for working capital. For mid-market manufacturers, distributors, and wholesalers seeking to offer net terms without cash flow strain, Resolve Pay provides a strong alternative with streamlined deployment and non-recourse invoice financing that helps protect sellers from approved buyer payment risk.
Key Takeaways
- TreviPay and Accion Opportunity Fund serve entirely different purposes: TreviPay enables sellers to offer trade credit to buyers, while Accion provides loans directly to businesses for their own operations
- Resolve Pay helps mid-market B2B sellers offer net terms with non-recourse invoice advancement, reducing their direct exposure to approved buyer payment risk
- TreviPay's enterprise-focused model supports companies with international and complex trade credit requirements
- Accion Opportunity Fund provides business loans for working capital and other operating needs, making it a borrowing solution rather than a trade credit platform
- Resolve Pay deploys in hours to days, making it relevant for fast-moving manufacturers and distributors seeking immediate cash flow improvement
- With 15,000+ businesses using the platform and a 5.0/5 G2 rating, Resolve Pay combines proven scale with customer satisfaction
- Resolve Pay integrates net terms financing with AI-powered credit underwriting and accounts receivable automation in one platform
Understanding B2B Payment Solutions: Three Different Approaches
Before comparing solutions, it's critical to understand that TreviPay, Accion Opportunity Fund, and Resolve Pay represent three distinct approaches to B2B financial services.
TreviPay positions itself as an enterprise B2B payments and trade credit platform. Founded in 1978 and formerly known as MSTS, the company processes over $6 billion in annual transaction volume and supports operations in over 20 countries with multiple currencies. TreviPay's model focuses on helping large sellers extend trade credit to their business customers through managed services and payment guarantees.
Accion Opportunity Fund takes an entirely different approach. As a nonprofit small business lender, Accion provides term loans and SBA loans directly to business owners who need working capital for their own operations. According to the U.S. Small Business Administration, Accion Opportunity Fund is a Community Development Financial Institution that helps small business owners access capital, educational resources, coaching, and support.
Resolve Pay offers mid-market B2B sellers the ability to extend net terms to buyers while accelerating cash flow. As an Affirm spinout, Resolve Pay combines B2B financing expertise with features like AI-powered credit decisioning, receivables automation, and non-recourse invoice advancement.
The fundamental difference: TreviPay and Resolve Pay help sellers offer payment terms to customers, while Accion helps businesses borrow money for themselves.
What Accion Opportunity Fund Offers: Small Business Lending
Accion Opportunity Fund serves a distinct market segment: small businesses seeking capital for operations, inventory, equipment, or expansion. Understanding their offering clarifies why comparing them directly to trade credit platforms creates confusion.
Accion's loan products include:
- Term loans: Financing for eligible small businesses with repayment terms structured around the borrower's needs
- SBA 7(a) loans: SBA-backed financing for eligible business uses, which can provide longer repayment periods and government-backed terms for qualifying businesses
Who benefits from Accion:
- Entrepreneurs who need working capital for their own business operations
- Small businesses seeking financing from a mission-driven nonprofit lender
- Companies wanting business coaching alongside their financing
- Businesses exploring alternatives to traditional bank loans
However, Accion loans create debt on the borrower's balance sheet. The business receives capital, then repays principal plus interest over time. This fundamentally differs from trade credit platforms where sellers receive advances against customer invoices.
For B2B sellers wanting to offer net terms to customers, Accion Opportunity Fund simply isn't the right solution. They'd need a platform like Resolve Pay or TreviPay instead.
How TreviPay Supports Enterprise Trade Credit
TreviPay serves enterprise businesses that need comprehensive trade credit management across complex, global operations.
TreviPay's core capabilities:
- Net 30/45/60/90 payment terms for business buyers
- Credit lines for approved business customers
- Payment guarantees for qualifying transactions
- Multi-currency support across 20+ countries
- Managed AR services and collections
- Enterprise ERP integrations
TreviPay's target market:
TreviPay's operating history has positioned them for enterprise clients with complex billing requirements, international operations, and high transaction volumes. Their model involves dedicated teams and structured onboarding for enterprise trade credit programs.
For manufacturers and distributors seeking a streamlined path to offering net terms, Resolve Pay combines financing, credit decisioning, and AR workflows in one platform.
Resolve Pay's Advantage: Faster Cash Flow with Non-Recourse Financing
Resolve Pay addresses the core challenge facing mid-market B2B sellers: how to offer competitive payment terms without straining cash flow or taking on significant credit risk.
The non-recourse difference:
Resolve Pay's non-recourse financing shifts approved invoice payment risk away from the seller. Resolve Pay manages credit assessment, credit decisions, and the majority of the risk associated with late payments or defaults, helping sellers extend terms while protecting cash flow.
How Resolve Pay works:
- Seller offers Net 30/60/90 terms to business buyers
- Resolve Pay's AI Credit Engine evaluates buyer creditworthiness using AI, behavioral signals, and financial data
- Approved invoices can receive advances of up to 90% of invoice value, with funds typically reaching the seller within 1-2 business days
- Buyers pay Resolve Pay according to terms
- The buyer pays Resolve Pay according to the approved payment terms, while the seller's advance is handled according to the applicable invoice financing arrangement
Key advantages:
- Deployment speed: Launch in hours to days
- Integrated platform: Credit decisioning, invoice advancement, and AR automation in one system
- Direct expertise: Built by former Affirm, PayPal, and Amazon executives
- Customer satisfaction: 5.0/5 rating on G2 across reviews
Streamlining Operations: AI-Powered AR Automation
Beyond net terms financing, Resolve Pay transforms accounts receivable operations through comprehensive automation, an area where traditional lenders like Accion simply don't operate.
Resolve Pay's AR automation capabilities:
- Automated invoice generation synced from ERP and accounting systems
- Smart payment reconciliation using ML to match payments to invoices automatically
- Real-time AR dashboards showing DSO, aging, and portfolio health
- Agentic collections with multi-channel follow-up sequences (email, SMS, voice AI)
- ERP and accounting integrations with QuickBooks Online, NetSuite, Xero, and Sage Intacct
The operational impact:
Resolve Pay customer examples show that automation can materially reduce manual AR work, with one customer reporting that the work required from its team decreased by at least 90%. Resolve Pay automates workflows such as reconciliation, payment reminders, and collections follow-up to reduce repetitive AR tasks.
Integration ecosystem:
Resolve Pay connects natively with major ecommerce and accounting platforms:
- Ecommerce: Shopify, BigCommerce (5.0/5 rating), WooCommerce, Magento
- Accounting: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite
For businesses evaluating AR automation solutions, Resolve Pay uniquely combines invoice financing with operational automation in a single platform.
Credit Risk Management: AI Engine vs. Traditional Underwriting
Traditional credit decisioning can require significant manual work. Resolve Pay uses AI-powered credit decisioning to streamline buyer evaluations that can otherwise require calling trade references, analyzing financials, and waiting for credit bureau reports.
How Resolve Pay's Credit Engine works:
The proprietary AI evaluates thousands of buyer data points including:
- Cash flow trends and payment history
- Behavioral signals and business health indicators
- Real-time financial data analysis
- Historical performance patterns
Resolve Pay states that business credit-check results are typically delivered within 24 business hours, while qualified ecommerce buyers may receive faster approvals. Resolve Pay's credit models support dynamic, scalable credit decisions based on available buyer data and underwriting criteria.
Quiet credit checks:
Unlike traditional credit applications that notify buyers and potentially impact their credit scores, Resolve Pay's checks run quietly in the background. Buyers aren't alerted to credit evaluations, reducing friction in the sales process.
Risk management benefits:
Because Resolve Pay manages credit risk on approved invoices, sellers can:
- Offer terms to customers they'd otherwise decline
- Reduce the internal workload associated with credit assessment and receivables management
- Focus on sales rather than collections
- Accept larger orders without cash flow concern
For businesses managing credit exposure in B2B transactions, this AI-powered approach replaces manual processes with automated decisioning.
Integrated Solutions: Beyond Point Tools
Many businesses piece together separate solutions for invoicing, payment terms, collections, and credit checking. Resolve Pay consolidates these functions into a unified platform.
The integration advantage:
- Single data source: All invoice, payment, and buyer information in one system
- Automated workflows: Credit approval flows directly into invoice generation and collections
- White-label experience: Branded buyer portal maintains seller's brand throughout
- Multiple payment rails: ACH, wire transfer, credit card, and check options
Embedded checkout for ecommerce:
B2B sellers using platforms like BigCommerce, Shopify, or WooCommerce can embed net terms directly into their checkout flow. Buyers apply for credit and receive approval during the purchase process, converting more browsers to buyers.
Compared to multiple vendors:
Rather than managing separate relationships with factoring companies, AR software vendors, and credit bureaus, Resolve Pay provides:
- Unified workflows for financing, invoicing, payments, and collections
- Consolidated reporting and analytics
- Single point of contact for support
- Consistent buyer experience across channels
Why Resolve Pay Fits B2B Sellers Offering Net Terms
The three solutions address different financial workflows. TreviPay focuses on enterprise B2B trade credit programs, while Accion Opportunity Fund provides business financing directly to borrowers. Resolve Pay is designed for B2B sellers that want to extend payment terms to customers while accelerating cash flow and automating receivables.
Resolve Pay is particularly relevant for businesses that:
- Sell B2B and want to offer payment terms to customers
- Want faster access to cash from approved invoices
- Need non-recourse invoice advancement
- Operate in manufacturing, wholesale distribution, ecommerce, or supply industries
- Want credit decisioning, invoicing, payments, reconciliation, and collections connected in one platform
- Need integrations with existing ecommerce, ERP, and accounting systems
The key distinction is that Accion Opportunity Fund finances the business itself, while Resolve Pay supports the seller's customer payment-term and receivables workflows. Resolve Pay's combination of net terms financing and AR automation makes it especially relevant for B2B sellers focused on improving cash flow while maintaining flexible buyer terms.
Why Resolve Pay for Mid-Market B2B Sellers
For manufacturers, distributors, and wholesalers between $1M and $100M in annual revenue, Resolve Pay offers distinct advantages for managing net terms and accounts receivable.
Speed advantage:
Resolve Pay deploys in hours to days, delivering first advances within 1-2 business days of launch. For fast-moving businesses, this timing difference can mean capturing growth opportunities quickly.
Non-recourse protection:
Resolve Pay's non-recourse advance model helps protect sellers from approved buyer payment risk. Resolve Pay manages credit assessment, credit decisions, and the majority of the risk associated with late payments or defaults.
Proven results:
Resolve Pay customers report meaningful business impact:
- ConEquip: 30% year-over-year growth
- Archipelago Lighting: Tripled revenue, reduced approval time from 10 days to 24 hours
- Elston Materials: Increased margins from 25% to 30%
- SS&SI Dealer Network: 5x revenue growth
Platform maturity:
With 15,000+ businesses using the platform, SOC 2 Type II attestation, and the 2025 BigCommerce Innovative Integration Award, Resolve Pay combines an established B2B user base with modern payments and receivables infrastructure.
For B2B sellers ready to offer competitive payment terms while protecting cash flow and reducing credit exposure, Resolve Pay provides an integrated approach to trade credit management.
Frequently Asked Questions
How does Resolve Pay's non-recourse financing differ from traditional invoice factoring?
Traditional invoice factoring typically involves recourse arrangements where sellers retain liability if buyers don't pay. Resolve Pay's non-recourse model means approved cash advances are non-recourse, while Resolve Pay manages the credit assessment, credit decision, and the majority of the risk associated with late payments or defaults. This approach changes how businesses extend credit to customers.
How is net terms financing different from a traditional business loan?
A traditional business loan provides capital directly to the business and creates a repayment obligation. Resolve Pay's net terms financing is tied to approved customer invoices instead. The seller can offer deferred payment terms to the buyer while receiving an advance against the approved invoice, helping accelerate cash flow without using a conventional business loan for the transaction.
How quickly can a business get funded with Resolve Pay's Net Terms Financing?
Resolve Pay can advance up to 90% of an approved invoice's value, with the advance typically reaching the seller within 1-2 business days. Resolve Pay states that business credit-check results are typically delivered within 24 business hours. Most teams launch on the platform within one week. This rapid deployment helps businesses start accelerating cash flow quickly.
Does Resolve Pay integrate with existing ERP and accounting systems?
Yes, Resolve Pay integrates with major accounting and ERP systems including QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. Integration capabilities vary by system, while Resolve Pay also provides APIs and data-sync tools for connecting invoice, payment, and reconciliation workflows. For ecommerce businesses, native integrations exist for Shopify, BigCommerce, WooCommerce, and Magento.
What types of B2B businesses benefit most from Resolve Pay?
Resolve Pay is designed for B2B sellers such as manufacturers, wholesalers, distributors, suppliers, and ecommerce businesses that offer payment terms to customers. It is particularly useful for companies that want to accelerate cash flow from approved invoices while combining buyer credit decisioning, invoicing, payments, reconciliation, collections, and AR automation in one platform.
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.
