When B2B companies search for solutions to improve cash flow and manage payment terms, they often encounter TreviPay and Breakout Finance as potential options. However, this comparison reveals a critical insight: these two providers operate in fundamentally different business categories and solve entirely different problems. TreviPay functions as an enterprise B2B payments network, while Breakout Finance provides several forms of business financing, including working capital term loans, invoice factoring, asset-based lending, and purchase order financing.
For mid-market manufacturers, distributors, and wholesalers seeking an integrated approach, net terms financing combined with accounts receivable automation, Resolve Pay provides an integrated option designed specifically for B2B sellers. Resolve Pay was spun out from the B2B side of Affirm and is supported by a team with experience at companies including Amazon and PayPal. Trusted by more than 15,000 businesses, Resolve Pay provides an integrated platform covering credit decisioning, net terms financing, accounts receivable automation, and collections management.
TreviPay positions itself as a global enterprise B2B payments and invoicing network. Founded in 1978 and headquartered in Overland Park, Kansas, TreviPay has built its reputation serving large enterprises with complex buyer networks across multiple countries. The company processes billions annually and operates in over 30 countries with multi-currency support. Their approach centers on providing payment infrastructure that handles trade credit programs, accounts receivable automation, and managed services for enterprise-level organizations.
Breakout Finance takes a different approach as a business financing provider offering working capital term loans, invoice factoring, asset-based lending, and purchase order financing. Founded in 2015, Breakout Capital's lending business was acquired by SecurCapital. In 2023, Breakout Capital and 12Five Capital were brought together under Altriarch Commercial Finance, creating a broader commercial finance platform that now operates as Breakout Finance. Its current offerings include working capital term loans, invoice factoring, asset-based lending, and purchase order financing.
Resolve Pay occupies a unique position by combining payment infrastructure and financing in a platform designed specifically for B2B sellers. Resolve Pay packages these capabilities around the needs of B2B sellers that want to extend customer payment terms while improving cash flow and managing approved buyer credit risk. The fundamental difference: Resolve Pay enables sellers to offer competitive payment terms to buyers while receiving immediate cash and transferring covered credit risk on eligible approved advances.
TreviPay's service portfolio focuses on enterprise-scale B2B commerce:
This enterprise-oriented approach supports organizations with complex B2B payment, invoicing, and integration requirements.
Breakout Finance's offerings center on business financing products:
Breakout Finance offers several financing structures. Its working capital term loans create repayment obligations, while its invoice factoring product advances funds against eligible receivables.
Resolve Pay's integrated platform addresses the specific needs of B2B sellers:
The critical distinction is each provider's focus: Resolve Pay combines net terms financing, credit decisioning, AR automation, and payments, TreviPay provides broad B2B payment and trade credit infrastructure, and Breakout Finance provides business financing products.
The financing structures reveal the different approaches each provider takes to serving B2B commerce needs.
Resolve Pay's approach provides predictable costs tied directly to sales volume, making it accessible for growing businesses. While Breakout Finance's working capital loans create traditional borrowing obligations, Resolve Pay provides non-recourse advances tied directly to approved sales.
TreviPay primarily serves large enterprises and global corporations:
Breakout Finance primarily serves businesses seeking working capital and other commercial financing solutions:
Resolve Pay serves mid-market B2B suppliers:
This distinction matters significantly for mid-market suppliers seeking to offer payment terms to buyers. Resolve Pay fills this gap by providing enterprise-grade features, including AI credit decisioning, full AR automation, and non-recourse financing, in a platform designed for growing businesses.
TreviPay showcases enterprise-scale outcomes:
These results reflect TreviPay's focus on large organizations with complex payment infrastructure needs.
Breakout Finance emphasizes access to working capital:
These benefits address immediate working capital needs for businesses.
Resolve Pay delivers measurable impact for mid-market suppliers:
The pattern is clear: Resolve Pay enables mid-market suppliers to compete by offering flexible payment terms while simultaneously improving cash flow and reducing AR overhead. Resolve Pay's combination of net terms financing, non-recourse advances on approved invoices, credit decisioning, and AR automation is designed specifically around this B2B seller workflow.
This methodology is designed to support organizations with more complex payment, credit, invoicing, and integration requirements.
This process provides quick access to capital for operational needs.
Resolve Pay supports plug-ins, APIs, and integrations designed to simplify connecting net terms and AR workflows to existing systems:
The implementation approaches differ: TreviPay uses a configurable enterprise implementation process, Breakout Finance focuses on business financing, and Resolve Pay supports plug-ins, APIs, and integrations designed to simplify connecting net terms and AR workflows to existing systems.
Mid-market B2B suppliers face a unique challenge: they need to offer competitive payment terms to win and retain customers while maintaining healthy cash flow. Resolve Pay addresses this precisely with an integrated approach.
Non-recourse protection transfers covered credit risk: Resolve Pay provides non-recourse protection on eligible approved advances. When buyers are approved through Resolve's AI credit engine and subsequently fail to pay, Resolve Pay absorbs the covered loss. Sellers keep the advance they received. This fundamentally shifts the covered credit risk away from the supplier.
Immediate cash flow without traditional loan debt: Resolve Pay provides non-recourse advances tied to approved B2B invoices. Cash can arrive quickly, improving working capital without traditional loan repayment obligations.
Integrated platform reduces tool fragmentation: TreviPay provides B2B payments, credit and risk management, AR automation, invoicing, collections, and reconciliation capabilities for its customers. Resolve Pay brings credit decisioning, net terms financing, AR automation, and collections together in a platform designed for B2B sellers seeking an integrated credit-to-cash workflow.
Mid-market accessibility with enterprise features: Resolve Pay delivers AI-powered credit underwriting, automated collections, and real-time ERP sync in a platform designed for growing businesses.
Streamlined deployment: Resolve Pay connects with supported accounting systems including QuickBooks Online, Xero, NetSuite, and Sage Intacct, while its ecommerce integrations and APIs support deployment within existing B2B commerce workflows.
For B2B suppliers seeking to offer payment terms, accelerate cash flow, and automate AR, Resolve Pay represents an integrated approach to B2B payments and financing built specifically for this workflow.
TreviPay operates as an enterprise B2B payments network processing billions annually across 30+ countries, designed for large corporations. Breakout Finance provides working capital and other business financing products, while Resolve Pay combines payment enablement with financing in an integrated platform. Resolve Pay enables B2B sellers to offer net terms to buyers while receiving advances on eligible approved invoices with non-recourse protection, integrated AR automation, and AI-powered credit decisioning.
Working capital term loans require repayment according to their financing terms. Resolve Pay's non-recourse financing operates differently: when a seller extends net terms to an approved buyer, Resolve Pay advances the invoice value. If the approved buyer defaults, Resolve Pay absorbs the covered loss and the seller keeps their advance. This transfers the covered credit risk on eligible approved advances away from the supplier, protecting cash flow while enabling competitive payment terms.
Resolve Pay is designed specifically for this use case. The platform combines net terms financing (letting sellers offer Net 30/60/90), advances on eligible approved invoices, AI credit decisioning, and full AR automation in a single workflow. For suppliers in industries like HVAC distribution, electrical supplies, construction materials, or medical devices, Resolve Pay provides competitive payment capabilities designed for growing businesses.
Yes. Resolve Pay offers integrations with major accounting and ERP systems including QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite, with automated syncing and payment reconciliation workflows. For ecommerce, direct integrations exist with Shopify, BigCommerce, Magento 2, and WooCommerce, enabling net terms at checkout. A REST API with webhooks and sandbox environment supports custom integrations. For mid-market suppliers seeking unified payment solutions that connect with existing infrastructure, Resolve Pay provides an accessible integration path.
This question highlights an important difference. With working capital term loans, buyer payment behavior doesn't affect the loan obligation. Resolve Pay provides non-recourse protection on eligible approved invoices: if a buyer is approved through Resolve's AI credit engine and subsequently fails to pay, Resolve Pay absorbs the covered loss. The seller keeps the advance they received. This protection transforms how mid-market suppliers can approach trade credit, letting them confidently extend terms to grow sales while knowing eligible approved advances include non-recourse protection against the covered buyer credit risk.
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.