Selecting the right financial solution for your B2B operations requires understanding a fundamental distinction that many businesses overlook. TreviPay operates as an enterprise B2B payment platform offering trade credit and net terms management, while BHG Financial, formerly Bankers Healthcare Group, functions as a traditional lender providing personal and business loans. These products serve entirely different business needs.
For mid-market manufacturers, distributors, and wholesalers seeking to offer net terms financing while maintaining healthy cash flow, Resolve Pay delivers non-recourse invoice advances with AI-powered accounts receivable automation that combines payment platform capabilities without the complexity of enterprise solutions or the debt obligations of traditional lending. Understanding whether your business needs B2B payment infrastructure, traditional capital financing, or invoice-based working capital determines which solution category fits your operational requirements and growth objectives.
The B2B financial technology market encompasses distinct product categories that address different business challenges. According to the Federal Reserve's Small Business Credit Survey, businesses continue to face uneven cash flow and operating expense challenges, highlighting the importance of effective working capital management and access to financing. Revenue leaders evaluating options must first identify whether they need payment infrastructure, capital financing, or invoice-based working capital solutions.
Enterprise payment platforms like TreviPay provide trade credit management, invoice processing, and payment infrastructure for large-scale B2B commerce. These systems enable sellers to offer net terms to buyers while managing credit risk and collections through centralized platforms. The value proposition centers on replacing fragmented payment processes with unified infrastructure.
Mid-market focused platforms like Resolve Pay take a different approach, combining net terms financing with non-recourse protection and accounts receivable automation. Rather than requiring extensive enterprise deployment, these solutions integrate with existing e-commerce and ERP systems while providing invoice advances on eligible approved transactions.
Business lenders like BHG Financial operate within an entirely different model. These institutions originate loans that businesses must repay according to fixed schedules, regardless of how their customers pay. A business loan creates a debt obligation with scheduled payments, completely independent of invoice collections or customer payment behavior.
This distinction matters significantly for B2B sellers. A payment platform ties financing to specific invoices and customer transactions. Traditional loans create separate liabilities that persist regardless of business performance.
Consider a wholesale distributor processing $2 million in annual B2B sales. Using Resolve Pay's net terms financing, they can offer Net 30 or Net 60 terms to customers while accessing cash sooner on eligible approved invoices. The financing relates directly to each transaction, and non-recourse protection means sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms.
Taking a business loan from BHG Financial creates an entirely different situation. The distributor receives capital but remains responsible for repayment regardless of how individual customers pay. If a major customer defaults on invoices, the distributor still owes the full loan amount plus interest.
TreviPay has operated in the B2B payments space for over 40 years, building infrastructure that serves large enterprise clients with complex payment requirements. The platform reports more than $8 billion in annual payment volume and supports operations across 30+ countries and currencies, reflecting its international B2B payments focus. The company has earned recognition including IDC MarketScape Leader status for Worldwide Embedded Payment Applications.
TreviPay's platform addresses enterprise payment needs through several integrated capabilities:
The platform offers managed AR services where TreviPay handles credit management and collections on behalf of sellers. This outsourced approach serves enterprises preferring to delegate these functions rather than building internal capabilities.
TreviPay serves businesses with substantial B2B transaction volumes and international operations. TreviPay says its implementation services can prepare a B2B business for launch in as little as six weeks. Actual deployment time depends on integration scope, systems, and program requirements.
TreviPay uses enterprise pricing based on program requirements and direct engagement.
The company reports funding more than $28 billion in loans and has more than 25 years of lending experience. The company focuses on high-income professionals and business owners, offering unsecured loans without collateral requirements.
The company maintains an A+ rating with the Better Business Bureau and a 4.8 out of 5 rating on Trustpilot from over 5,600 reviews, indicating customer satisfaction within its lending category.
BHG Financial offers personal and business loans with eligibility, repayment terms, rates, and loan structures determined through its underwriting process. BHG Financial says business-loan approval can take as little as 24 hours and approved business-loan applicants may receive funds in as few as three days, although actual timing varies by applicant.
BHG Financial loans serve specific scenarios including:
BHG Financial loans create fixed debt obligations that must be repaid regardless of customer payment performance. If a business experiences customer defaults, the loan payments continue unchanged.
This fundamentally differs from invoice-based financing where Resolve Pay advances funds against specific approved invoices. With non-recourse protection, sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms.
For B2B sellers whose cash flow challenges stem from extended payment terms with customers, invoice-based solutions typically provide better alignment than traditional loans. The financing relates directly to receivables rather than creating separate debt obligations.
Resolve Pay emerged as a spinoff from Affirm, bringing consumer buy-now-pay-later expertise to B2B commerce. The platform serves over 15,000 businesses including manufacturers, distributors, and wholesalers seeking to offer net terms while maintaining healthy cash flow.
Built by former executives from Affirm, PayPal, and Amazon, Resolve Pay combines net terms financing with AI-powered accounts receivable automation in a single integrated platform. This consolidation eliminates the need for separate tools for credit decisioning, invoicing, collections, and payment processing.
Resolve Pay's non-recourse approach distinguishes it from traditional factoring and many competitor solutions. Sellers can use Resolve Pay's Advance Pay on eligible approved invoices while buyers receive approved net terms. Advance amounts and settlement timing depend on the applicable program and invoice.
The non-recourse protection means sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. This reduces bad debt exposure on eligible financed transactions.
The platform's proprietary credit engine evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. Credit decisions typically complete within 24 to 48 hours, with options for certain purchase amounts.
Quiet credit checks mean buyers receive no notification and experience no credit score impact during evaluation. This approach eliminates friction in the buying process while providing sellers with comprehensive risk assessment.
Resolve Pay's AR automation platform addresses the operational burden of managing business credit through several integrated capabilities:
These capabilities reduce manual AR work, allowing finance teams to focus on strategic activities rather than data entry and reconciliation.
The platform's agentic collections feature automates follow-up sequences across multiple channels:
This automated approach preserves customer relationships through professional communications while maintaining consistent follow-up that reduces DSO.
Native integrations support rapid deployment:
Most teams launch within one week, with some same-day implementations possible using existing integrations.
Resolve Pay provides a branded buyer portal where customers view invoices, available credit lines, and payment history. Payment options include ACH, wire transfer, credit card, and check. This white-label approach maintains the seller's brand throughout the buyer experience.
When comparing Resolve Pay and TreviPay as B2B payment solutions, several distinctions emerge across key capability areas. BHG Financial does not appear in this comparison because it operates as a lender rather than a payment platform.
Resolve Pay provides non-recourse financing where sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms. Sellers keep advances even when approved buyers default on eligible invoices.
TreviPay offers flexible risk models that vary by program and agreement. Some arrangements involve shared risk or seller recourse depending on specific terms.
Resolve Pay provides Advance Pay on eligible approved invoices, with the applicable advance amount and funding timing determined by the program and transaction.
TreviPay provides settlement typically within 48 hours, with advance rates varying by program structure.
Resolve Pay deploys in hours to days with native e-commerce and ERP integrations. Same-day implementation is possible for businesses using supported platforms.
TreviPay says its implementation team can help launch a B2B program in as little as six weeks. Actual implementation steps and timing depend on the systems being connected and the scope of the program.
Resolve Pay focuses on mid-market B2B sellers with substantial annual B2B revenue, serving manufacturers, distributors, and wholesalers primarily in North America.
TreviPay serves businesses with multi-channel, multi-currency, and international B2B payment requirements across 30+ countries and currencies.
Resolve Pay offers competitive pricing structured around its B2B net terms and receivables workflows.
TreviPay uses enterprise pricing based on program requirements and direct engagement.
Resolve Pay includes AI-powered automation with smart reconciliation and agentic collections built into the platform.
TreviPay provides enterprise-grade AR management and managed services for outsourced collections and credit management.
Resolve Pay offers native one-click integrations with Shopify, BigCommerce, and major accounting platforms, plus API access for custom solutions.
TreviPay integrates with enterprise procurement platforms including Ariba, JAGGAER, and Coupa, suited for large-scale procurement environments.
Resolve Pay customers demonstrate measurable business outcomes across revenue growth, operational efficiency, and cash flow improvement.
Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to under 24 hours. The company now offers credit lines 20 times higher than previously possible.
SS&SI Dealer Network achieved 5x revenue growth by leveraging Resolve Pay's net terms financing to expand their customer base.
ConEquip experienced 30% year-over-year growth after implementing Resolve Pay for their construction equipment business.
Trenchless Supply reduced AR workload by 90% while achieving credit approvals in under 24 hours, freeing their team for customer-focused activities.
Elston Materials improved margins from 25% to 30%, a five-percentage-point improvement attributed to streamlined payment operations.
Shields Childcare Supplies won new business by offering Net 90 terms they could not extend independently. Resolve Pay's non-recourse model enabled competitive terms without cash flow strain or credit risk exposure on eligible financed transactions.
Speed to deployment significantly impacts business outcomes when cash flow needs are immediate.
Same-day implementation is possible for businesses using supported e-commerce platforms with existing technical infrastructure.
TreviPay says its implementation team can help launch a B2B program in as little as six weeks. Actual implementation steps and timing depend on the systems being connected and the scope of the program.
BHG Financial's process includes application, underwriting, documentation, and funding. The company says approval can take as little as 24 hours and approved business-loan applicants may receive funds in as few as three days, although actual timing varies by applicant.
For manufacturers, distributors, wholesalers, and other B2B sellers that extend payment terms, Resolve Pay brings buyer credit decisioning, net terms financing, accounts receivable automation, payments, and collections into one connected workflow.
Resolve Pay is particularly relevant when cash flow pressure comes from the gap between issuing an invoice and receiving customer payment. Its non-recourse structure on eligible approved financed invoices can reduce exposure to covered buyer credit defaults while helping sellers access cash sooner.
Key advantages for B2B sellers include:
The platform also supports ecommerce, ERP, and accounting integrations, allowing B2B sellers to incorporate net terms into existing credit-to-cash processes without relying on disconnected systems for each stage.
TreviPay represents an enterprise B2B payments model, while BHG Financial represents traditional lending. Resolve Pay remains focused on helping B2B sellers combine net terms, receivables automation, credit workflows, and invoice-based working capital in a connected platform.
Resolve Pay combines buyer credit decisioning, net terms financing, invoicing, payments, accounts receivable automation, and collections. Sellers can offer approved buyers flexible terms while using Resolve Pay to manage the associated credit and receivables workflows.
Resolve Pay provides non-recourse financing on eligible approved financed invoices. Sellers are generally protected from repayment obligations arising solely from covered buyer credit defaults, subject to Resolve Pay's program terms and invoice eligibility requirements.
Resolve Pay uses AI-driven underwriting to evaluate buyer information and generate credit decisions. Some qualifying transactions can receive decisions within 24 to 48 hours, while other applications may require additional review depending on the buyer profile and transaction details.
Resolve Pay supports integrations across ecommerce, ERP, and accounting systems, including Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and NetSuite. API and webhook options are also available for custom workflows.
Resolve Pay supports automated invoicing workflows, payment reconciliation, bookkeeping synchronization, AR visibility, payment reminders, and agentic collections across email, SMS, and voice. These capabilities help finance teams reduce repetitive receivables work while maintaining control over customer relationships.
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.