Selecting the right financing solution for your B2B operations depends on understanding what you are actually financing. While TreviPay offers enterprise trade credit management for global corporations and Ascentium Capital provides equipment financing for physical asset acquisition, Resolve Pay delivers non-recourse financing combined with AR automation for mid-market manufacturers, wholesalers, and distributors.
These three solutions serve fundamentally different purposes, and understanding those differences helps B2B sellers choose the approach that matches their cash flow goals, risk tolerance, and operational requirements. This comparison examines how each platform addresses distinct business needs, from enterprise trade credit management and equipment acquisition to mid-market invoice financing with integrated accounts receivable automation.
The B2B financing landscape encompasses distinct solution categories that address different operational challenges. Understanding these fundamental differences prevents businesses from selecting tools misaligned with their actual needs.
B2B payment solutions enable sellers to offer deferred payment terms to business buyers while maintaining healthy cash flow. he Federal Reserve trade credit data describes trade credit as accounts receivable and payable arising from sales of business-related goods and services.
When a wholesaler offers Net 30 terms to a retailer, they typically wait 30 days or longer to receive payment. This creates a cash flow gap that can constrain growth, inventory purchases, and operational expenses.
Trade credit platforms address this gap by advancing funds against outstanding invoices, allowing sellers to receive cash quickly while buyers pay on their preferred schedule. The critical distinction among these platforms lies in:
Resolve Pay's approach combines net terms financing with comprehensive accounts receivable automation. Rather than simply advancing funds, the platform handles credit decisioning, invoice generation, payment reminders, collections, and reconciliation through a single integrated system.
TreviPay operates as an enterprise-focused trade credit management platform serving Fortune 500 companies and large global operations. The platform processes over $10 billion annually across 35 countries, providing white-label buyer financing programs and managed receivables services for complex multi-subsidiary organizations.
Equipment financing represents an entirely different category of B2B financing. Rather than addressing invoice cash flow, equipment financing enables businesses to acquire physical assets like machinery, vehicles, technology systems, and commercial equipment without depleting operating capital.
Ascentium Capital specializes in this category, offering financing for equipment purchases with terms extending to 84 months. The financing is secured by the equipment itself, which serves as collateral for the loan or lease.
This fundamental difference matters: a manufacturing distributor facing cash flow challenges from extended payment terms needs invoice financing, not equipment loans. Conversely, a business planning to purchase industrial machinery may consider equipment financing to spread acquisition costs over an agreed repayment period.
Many B2B companies use both categories: equipment financing for asset acquisition and invoice financing for managing customer payment terms. These solutions complement rather than compete with each other.
TreviPay has operated in the B2B payments space for over 40 years, building infrastructure designed for enterprise-scale trade credit management. The platform serves Fortune 500 companies and large organizations requiring global payment capabilities across multiple countries and currencies.
TreviPay provides a comprehensive suite of enterprise trade credit services:
The platform earned recognition as an IDC MarketScape Leader in 2026 for both AI-Enabled A/R Automation and Embedded Payments, validating its enterprise capabilities.
TreviPay's infrastructure aligns with Fortune 500 companies and large enterprises requiring:
The enterprise focus creates specific implementation characteristics. TreviPay deployments typically require extensive discovery phases, customization work, and integration with complex ERP systems. Review feedback indicates the platform works best for organizations with high volumes of B2B transactions who can justify the implementation investment.
Ascentium Capital operates as a division of Regions Bank, providing equipment financing, leasing, and small business loan solutions. Its financing programs support equipment acquisition and other eligible business capital needs.
Ascentium Capital's core offering addresses equipment acquisition needs:
Beyond equipment financing, Ascentium offers small business loans with repayment terms and eligibility requirements determined by the financing agreement. These loans can support working capital needs distinct from specific equipment purchases.
The company serves diverse industries including:
However, Ascentium's offerings address asset acquisition rather than the invoice financing challenges that B2B sellers face when offering payment terms to customers. A distributor seeking to improve cash flow from outstanding receivables requires a different solution category entirely.
The fundamental distinction between these solutions lies in what they finance and how they address business needs.
Invoice and Trade Credit Financing (Resolve Pay and TreviPay):
When B2B sellers offer Net 30, 60, or 90 day payment terms, they create accounts receivable that tie up working capital. Invoice financing platforms advance funds against these receivables, converting future payments into immediate cash.
Resolve Pay advances funds against eligible approved invoices, often within 24-48 hours. Advance amounts depend on the approved transaction and financing arrangement. Sellers receive funds earlier while buyers retain their agreed payment terms, helping reduce the cash flow gap created by extended payment cycles.
TreviPay provides similar trade credit functionality for enterprise customers, managing the full invoice-to-cash cycle including credit approval, invoicing, collections, and reconciliation across global operations.
Equipment Financing (Ascentium Capital):
Equipment financing addresses an entirely different need. When a business wants to acquire a specific physical asset, equipment financing provides capital secured by that asset. The equipment serves as collateral, and the financing terms typically match the useful life of the asset.
This comparison illustrates a key decision framework:
The risk models differ significantly across these solution types:
Non-Recourse Invoice Financing (Resolve Pay):
Resolve Pay provides non-recourse financing on eligible approved invoices. This means sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. Resolve Pay assumes the applicable covered buyer default risk on eligible approved financed invoices, subject to program terms. Seller responsibilities may still apply in circumstances outside the agreed non-recourse protection.
Configurable Trade Credit (TreviPay):
TreviPay offers configurable risk arrangements that vary by program and customer. Enterprise implementations may include recourse provisions depending on the specific terms negotiated.
Asset-Secured Financing (Ascentium Capital):
Equipment financing is inherently secured by the financed asset. If the borrower defaults, the lender can recover the equipment. This collateral-based model differs fundamentally from invoice financing where no physical asset secures the advance.
For mid-market B2B sellers seeking to reduce credit risk exposure while offering competitive payment terms, Resolve Pay's non-recourse model provides protection against covered buyer defaults on eligible approved financed invoices, subject to program terms.
B2B financing solutions address different business challenges. Understanding these differences helps sellers identify the tools that support their payment operations, working capital requirements, and long-term growth.
Enterprise trade credit platforms such as TreviPay support organizations with complex payment infrastructures. Common requirements include:
These requirements reflect the operational complexity of large-scale B2B payment environments.
Equipment financing providers such as Ascentium Capital focus on funding business asset acquisitions and related capital requirements.
Common financing needs include:
Equipment financing addresses capital investment needs, while invoice financing and AR automation address customer payment cycles and receivables management.
Resolve Pay serves mid-market B2B sellers who need:
The platform combines net terms financing with comprehensive accounts receivable automation, eliminating the need for multiple point solutions.
Resolve Pay delivers an integrated platform that combines net terms financing, credit decisioning, AR automation, and collections management. This approach addresses the full invoice-to-cash cycle rather than just one component.
The platform architecture reflects Resolve Pay's origins as a spinout from Affirm, applying consumer BNPL innovation to B2B commerce:
AI Credit Engine:
Resolve Pay's proprietary AI-powered credit engine evaluates buyer creditworthiness using multiple financial and behavioral data signals. Many credit decisions are available within 24 hours, while some eligible purchases may qualify for instant approval. Quiet business credit checks can be performed without notifying buyers or affecting their credit scores, with additional verification required when appropriate.
This capability reduces reliance on manual credit checks and spreadsheet-based processes, while allowing additional verification or review when required.
Net Terms Financing:
Sellers can offer Net 30, 60, or 90 day terms to eligible approved buyers. Resolve advances funds on approved invoices, typically within 24-48 hours, depending on the financing arrangement and applicable processing requirements. The non-recourse structure generally protects sellers from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms.
AR Automation:
The platform automates:
Resolve Pay's automation can substantially reduce manual AR workloads. The level of improvement depends on existing processes, transaction volumes, and implementation scope. Individual customer success stories have reported reductions of up to 90% in manual work.
Agentic Collections:
Resolve Pay's agentic collections capability uses multi-channel automated sequences across email, SMS, and voice AI. The system includes:
The integrated approach creates specific advantages:
Credit risk management and AR efficiency represent primary concerns for B2B sellers extending payment terms.
Traditional invoice factoring often includes recourse provisions requiring sellers to repurchase invoices if buyers do not pay. This model leaves credit risk on the seller's balance sheet.
Resolve Pay's non-recourse approach provides meaningful protection. Sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. This protection allows sellers to offer competitive terms without assuming the full credit risk of their customer base.
The AI credit engine supports this model by evaluating buyer creditworthiness before approving transactions. The system analyzes multiple data sources to assess risk, enabling informed decisions about which buyers qualify for financing.
Manual AR processes create significant operational burden:
Resolve Pay's AR automation addresses each of these tasks:
The white-labeled buyer portal allows customers to view invoices, check credit lines, manage payment history, and submit payments through ACH, wire transfer, credit card, or check.
Integration capabilities determine how well a solution fits within existing technology infrastructure.
Resolve Pay provides native integrations with major ecommerce and accounting platforms:
Ecommerce Platforms:
Accounting and ERP Systems:
Technical Capabilities:
The integration approach enables many businesses to launch within days using supported integrations. Complex ERP configurations or custom workflows may require additional implementation time. Embedded checkout capabilities allow eligible buyers to access net terms directly within supported ecommerce purchasing flows.
TreviPay supports enterprise integrations involving SAP, Oracle, Dynamics, and procurement data formats such as EDI, cXML, and XML. Implementation requirements depend on the organization's systems, customization needs, and operational complexity.
Ascentium Capital's integration focus centers on vendor and partner programs rather than direct ecommerce and ERP connectivity, reflecting its equipment financing rather than invoice financing focus.
Growth creates specific challenges for B2B sellers:
Resolve Pay's automated approach scales without proportional headcount increases. The AI credit engine handles increased application volume, automated AR workflows manage growing invoice counts, and the platform supports operations across markets without requiring additional administrative staff.
This scalability supported ConEquip's 30% year-over-year growth and SS&SI Dealer Network's 5x revenue growth through the platform.
Documented customer outcomes demonstrate the platform's impact across diverse B2B industries.
Revenue and Growth Outcomes:
Operational Efficiency Gains:
Industry Recognition:
The platform's recognition reflects its market position:
These markers demonstrate established market presence and ongoing platform investment.
TreviPay, Ascentium Capital, and Resolve Pay address different financing and payment requirements. Enterprise trade credit platforms support complex payment programs across global operations, while equipment financing helps businesses acquire physical assets and spread acquisition costs over agreed repayment periods.
For manufacturers, wholesalers, and distributors focused on extending buyer payment terms, improving cash flow, and reducing receivables administration, Resolve Pay provides a unified approach.
By combining AI-powered credit decisioning, non-recourse financing on eligible approved invoices, automated collections, payment reconciliation, and ecommerce and ERP integrations, Resolve Pay helps businesses manage their invoice-to-cash operations through one platform:
Explore Resolve Pay's net terms to learn how integrated invoice financing and AR automation can support your business growth.
Invoice financing helps businesses access cash tied up in customer receivables, while equipment financing provides capital for purchasing machinery, vehicles, and other business assets. Resolve Pay focuses on B2B net terms financing and accounts receivable automation, helping sellers provide flexible payment terms while improving cash flow, managing buyer credit risk, and streamlining collections.
Resolve Pay combines non-recourse net terms financing with AI-powered credit decisioning, accounts receivable automation, collections, and payment reconciliation. Equipment financing supports asset purchases, while Resolve Pay focuses on business-to-business receivables and customer payment terms. Its non-recourse protection applies to covered buyer defaults on eligible approved financed invoices, subject to program terms. This reduces specified credit risk exposure without eliminating every possible seller obligation.
Yes. Resolve Pay enables eligible B2B sellers to offer Net 30, 60, or 90 day terms while receiving advances on approved invoices, typically within 24-48 hours. This helps businesses extend competitive payment terms without placing the full financing burden on their working capital. Resolve Pay's AI-powered credit engine supports buyer qualification, reducing manual credit administration, while its non-recourse financing structure provides protection against covered buyer defaults, subject to program terms.
Resolve Pay serves mid-market B2B sellers in manufacturing, wholesale distribution, and supply industries. Primary customers include HVAC parts distributors, electrical and plumbing supplies wholesalers, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers. The platform works well for businesses seeking rapid implementation, non-recourse protection, competitive pricing, and integrated AR automation.
Resolve Pay supports integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. Supported synchronization capabilities vary by system and configuration. For ecommerce, native integrations include BigCommerce (2025 Innovative Integration Award winner), Shopify, Magento 2, and WooCommerce. APIs and webhooks enable additional custom workflows. Many standard integrations can launch within days, while complex implementations may require additional setup and testing.
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.