TreviPay vs CAN Capital: Why Mid-Market B2B Sellers Choose Resolve for Risk-Free Net Terms

When B2B manufacturers and distributors need to offer net terms to their customers while maintaining healthy cash flow, the choice between financing solutions becomes critical. Two established players, TreviPay and CAN Capital, represent fundamentally different approaches to solving this challenge. TreviPay operates as an enterprise B2B payments platform with substantial annual transaction volume, while CAN Capital provides working capital financing for businesses.

However, for mid-market B2B sellers seeking a modern solution that combines non-recourse financing, AI-powered credit decisions, and complete accounts receivable automation, Resolve Pay delivers focused results without the enterprise complexity or financing-based obligations. Spun out from Affirm and backed by $60M in funding, Resolve serves over 15,000 businesses with an AI-powered platform that combines net terms financing, credit underwriting, and accounts receivable automation. Rather than replacing entire finance teams or creating repayment obligations, Resolve enhances existing operations with non-recourse invoice financing and automated AR workflows.

Key Takeaways

• Resolve Pay provides non-recourse financing on approved invoices, helping protect sellers from approved buyer default risk while combining financing with AI-powered credit decisions
• Mid-market B2B sellers benefit from Resolve's focused approach, typically seeing results within 1-7 days with streamlined implementation
• Resolve eliminates the need for working capital financing by advancing invoice value within 24 hours while buyers pay on Net 30/60/90 terms
• AI-powered credit underwriting delivers decisions in under 30 seconds, significantly faster than traditional underwriting processes
• Complete AR automation reduces manual accounts receivable work by approximately 90%, freeing finance teams for strategic activities
• For companies with existing operations needing strategic cash flow enhancement, Resolve's integrated platform delivers focused value for mid-market B2B sellers
• Resolve's white-labeled payment portal maintains seller branding throughout the buyer journey while providing operational automation

Understanding Each Company's Core Positioning

TreviPay positions itself as an enterprise B2B payments platform, processing substantial transaction volume annually across 32 countries. Founded in the 1980s and backed by Corsair Capital, TreviPay has built its reputation on serving large enterprises with complex global payment needs. The platform offers managed services including credit management, collections, and customer support for high-volume B2B transactions.

CAN Capital takes a completely different approach. Established in 1998, CAN Capital provides working capital financing and merchant cash advances to businesses. With substantial lifetime funding deployed, the company focuses on accessible financing approvals and funding timelines. This financing-based model provides capital through structured repayment arrangements.

Resolve Pay represents a modern evolution in this space. Rather than replacing entire finance teams or creating traditional financing obligations, Resolve enhances existing operations with non-recourse invoice financing and automated AR workflows. The fundamental difference lies in philosophy: TreviPay provides enterprise B2B payments infrastructure, CAN Capital provides business financing, while Resolve advances cash against approved invoices with non-recourse protection for sellers.

Service Offerings Show Distinct Strategic Focuses

TreviPay's Enterprise Payment Portfolio

TreviPay's service portfolio spans enterprise payment functions:

• Trade credit programs with configurable Net 15-90 terms
• Multi-currency payment processing across 32 countries
• Managed credit and collections services
• Omnichannel payment acceptance (web, mobile, EDI, POS)
• Enterprise ERP integrations (SAP, Oracle, Dynamics 365)

This comprehensive approach serves Fortune 500 companies with global payment orchestration needs.

CAN Capital's Financing Products

CAN Capital's offerings focus on business financing products:

• Working capital financing with varied funding amounts
• Equipment financing with extended terms
• Merchant cash advances with structured repayment
• Streamlined application process

The financing model provides capital through repayment structures suited to different business needs.

Resolve's Targeted B2B Invoice Financing

Resolve's services deliver focused value for B2B invoice financing:

• Net terms financing (Net 30/60/90) with same-day advances
• AI-powered credit underwriting with sub-30-second decisions
• Automated collections via email, SMS, and voice AI
• White-labeled payment portal maintaining seller branding
• Native integrations with QuickBooks, NetSuite, Shopify, and BigCommerce

The specialization allows for deeper expertise and faster execution in these critical areas. While TreviPay implementation timelines vary depending on the complexity and customization of the deployment, Resolve typically delivers complete net terms capability in 1-7 days. This speed advantage becomes valuable for mid-market companies seeking rapid time-to-value.

Target Customers Reveal Strategic Alignment Differences

TreviPay's Enterprise Focus

TreviPay primarily serves large enterprise B2B companies with high transaction volumes. Their ideal clients process substantial monthly B2B transactions and need global payment infrastructure. These companies need complex, multi-country payment orchestration, making TreviPay's extensive infrastructure appropriate for their requirements.

CAN Capital's Small Business Target

CAN Capital targets businesses needing working capital. Their financing products serve businesses across various industries, with accessible credit requirements suited to companies that may have different financing needs than traditional bank options.

Resolve's Mid-Market Sweet Spot

Resolve targets mid-market B2B sellers with annual revenue of USD 1M and above, including manufacturers, distributors, and wholesalers who need to offer competitive net terms without straining cash flow. These organizations typically have existing finance teams but need specialized expertise in credit risk management and AR automation.

Notable Resolve clients include:

• ConEquip: Achieved 30% year-over-year growth
• Archipelago Lighting: Tripled revenue
• Trenchless Supply: Approximately 90% reduction in AR workload

This distinction matters significantly. Mid-market companies need strategic invoice financing with risk protection. Resolve's model matches these needs precisely.

Results and Case Studies Demonstrate Execution Speed Advantages

TreviPay's Enterprise Capabilities

TreviPay's capabilities highlight enterprise-scale metrics:

• Substantial annual payment volume processed
• Operations across 32 countries
• 40+ years of market presence
• Implementation varies from less than a month for simpler configurations to several months for highly customized deployments
• Enterprise apparatus supporting global operations

CAN Capital's Financing Track Record

CAN Capital's track record emphasizes business financing:

• Substantial total lifetime funding deployed
• Multiple decades serving businesses
• Financing decisions delivered within business days
• Structured repayment arrangements

Resolve's Rapid Execution Results

Resolve's results emphasize rapid execution and strategic impact:

• SS&SI Dealer Network: Achieved 5x revenue growth
• Archipelago Lighting: Tripled revenue, reduced net terms approval from 10 days to 24 hours
• Elston Materials: Increased margins from 25% to 30%
• Trenchless Supply: Approximately 90% reduction in AR workload, credit approvals under 24 hours
• Timeline: Meaningful outcomes delivered in days

The execution speed provides value for mid-market companies facing competitive pressure. Implementation requirements vary across enterprise platforms, while Resolve emphasizes a streamlined deployment model for businesses seeking faster access to net terms capabilities.

Risk Models Define the Core Value Proposition

The most significant difference between these solutions lies in how they handle credit risk.

TreviPay's Enterprise Risk Management

TreviPay's risk model supports enterprise trade credit programs:

• TreviPay can assume credit risk and provide guaranteed payment to sellers
• Managed services include underwriting, collections, and customer support
• Program structures and integrations can be configured around enterprise requirements
• TreviPay owns the receivable in its standard net terms model

CAN Capital's Financing Structure

CAN Capital's model creates repayment obligations for borrowers:

• Financing requires repayment according to agreed terms
• Structured repayment schedules based on product type
• Various financing products with different terms and structures

Resolve's Non-Recourse Protection

Resolve's non-recourse model helps reduce seller risk:

• Non-recourse financing on approved invoices helps protect sellers when approved buyers fail to pay
• Sellers receive cash within 24 hours while buyers pay on terms
• Structured as non-recourse invoice financing rather than a traditional working capital loan
• Credit decisions powered by AI analyzing thousands of data points
• Quiet credit checks that don't impact buyer credit scores

This risk protection transforms how businesses can approach growth. With Resolve, sellers can confidently offer Net 30/60/90 terms to new customers, with non-recourse protection on approved invoices. This capability proves valuable when competing for large orders where net terms are expected.

Implementation Speed Creates Competitive Advantage

TreviPay Implementation Approach

TreviPay's implementation timeline varies by project complexity, with simpler configurations launching faster and highly customized integrations potentially requiring several months:

• Initial workshop with leadership alignment
• Deployment timelines vary based on integration and customization requirements
• Complex integration with enterprise ERP systems
• Multiple stakeholder coordination for enterprise deployments
• Performance measurement frameworks

CAN Capital Financing Process

CAN Capital implementation focuses on financing application:

• Financing decisions within business days
• Funding timelines based on approval and documentation
• Application and approval process
• Creates repayment obligation per financing terms

Resolve Implementation Excellence

Resolve implementation emphasizes rapid time-to-value:

• Pre-built integrations enable launch in hours to days
• Native connectors for QuickBooks, NetSuite, Shopify, BigCommerce
• Two-way sync for invoice and payment data
• Most teams launch in under one week
• White-label deployment maintains seller branding throughout

The execution models differ: TreviPay supports enterprise deployments with timelines based on integration complexity, CAN Capital provides financing with ongoing repayment structures, while Resolve delivers net terms capability in days.

Technology and Automation Differentiate Modern Solutions

TreviPay's Enterprise Technology Stack

TreviPay's technology stack serves enterprise needs:

• Automated credit decisioning, with qualifying applications receiving decisions in less than 30 seconds and additional review for more complex requests
• Multi-channel payment processing
• Integration with enterprise ERP systems
• Managed services approach with TreviPay support

CAN Capital's Financing Technology

CAN Capital's technology focuses on business financing:

• Underwriting processes for financing decisions
• Financing management systems
• Application and approval workflows

Resolve's AI-Powered Platform

Resolve's AI-powered platform delivers next-generation capabilities:

• AI Credit Engine with sub-30-second decisions for approved credit lines
• AI-powered underwriting can support real-time analytical decision-making and streamline complex credit workflows
• LLM-powered invoicing and automated reconciliation
• Multi-channel agentic collections (email, SMS, voice AI)
• Approximately 90% reduction in manual AR work through automation

The technology advantage compounds over time. While TreviPay provides managed enterprise services and CAN Capital creates repayment obligations, Resolve's automation continuously reduces operational burden while protecting cash flow through non-recourse financing on approved invoices.

Strategic Positioning for Different Business Needs

TreviPay is positioned around enterprise B2B payments, invoicing, trade credit, and managed order-to-cash programs, while CAN Capital focuses on business working capital and equipment financing.

For mid-market B2B sellers specifically seeking net terms financing, credit risk protection, and AR automation in one platform, Resolve Pay is the more directly aligned solution. Mid-market companies don't need global enterprise infrastructure or traditional financing structures; they need strategic invoice financing with risk protection and operational automation.

Why Resolve Delivers Focused Value for Mid-Market B2B Sellers

Mid-market B2B sellers face unique challenges that make Resolve a compelling choice. These companies need strategic invoice financing with risk protection and operational automation rather than global enterprise infrastructure or traditional financing products.

Key Advantages of Resolve's Approach

Credit risk protection: Provides non-recourse financing on approved invoices, helping protect sellers from approved buyer default risk. This protection can support more confident extension of net terms to qualified customers.

Speed of execution: Delivers tangible outcomes in days with streamlined implementation. This velocity matters in competitive markets where rapid deployment creates advantage.

AI-powered decisions: Credit approvals in under 30 seconds versus days or weeks for traditional underwriting. Faster approvals mean higher conversion rates and better buyer experience, with instant credit approvals becoming table stakes.

Complete automation: Reduces manual AR work by approximately 90% through automated invoicing, smart reconciliation, and agentic collections. Finance teams focus on strategy, not data entry, with comprehensive AR automation capabilities.

Invoice-based financing: Resolve advances cash against eligible approved invoices through a non-recourse financing model rather than providing a traditional working capital loan. Cash flow improves without requiring sellers to wait for buyer payment.

Integrated platform: Net terms financing, credit decisioning, and AR automation in one solution eliminates the need for multiple vendors and complex integrations.

White-labeled experience: Maintains seller branding throughout the buyer journey while providing the operational automation that B2B businesses require for scale.

For mid-market B2B sellers seeking to offer competitive net terms while protecting cash flow and reducing credit risk, Resolve represents a modern approach to B2B payments. The combination of non-recourse financing, AI-powered credit decisions, rapid implementation, and complete AR automation creates a focused value proposition for the mid-market segment.

Frequently Asked Questions

What is the fundamental difference between TreviPay, CAN Capital, and Resolve for B2B companies?

TreviPay operates as an enterprise B2B payments platform serving large companies with global payment infrastructure across 32 countries. CAN Capital provides working capital financing that creates a repayment obligation for the business. Resolve offers non-recourse invoice financing, allowing sellers to receive advances on approved invoices while buyers pay on Net 30/60/90 terms, with Resolve providing protection against approved buyer default risk.

How quickly can each solution be implemented for a mid-market B2B company?

TreviPay's implementation timeline varies by project complexity, with simpler configurations launching faster and highly customized integrations potentially requiring several months. CAN Capital provides financing decisions within business days. Resolve delivers complete net terms capability in 1-7 days through pre-built integrations with platforms like QuickBooks, NetSuite, Shopify, and BigCommerce, making it well-suited for companies needing rapid time-to-value.

What makes Resolve's non-recourse model different from traditional financing options?

Resolve's non-recourse financing provides protection when an approved buyer fails to pay an eligible invoice, helping sellers reduce exposure to buyer credit risk. This differs from TreviPay's enterprise program structures and CAN Capital's working capital financing where businesses create repayment obligations. With Resolve, sellers can offer net terms to qualified customers, receiving advances on approved invoices within 24 hours.

How do the AI and automation capabilities compare across these platforms?

Resolve's AI Credit Engine evaluates thousands of buyer data points to generate real-time credit decisions in under 30 seconds. TreviPay provides automated credit decisioning for qualifying applications with additional review for complex requests. Beyond credit decisions, Resolve provides complete AR automation including LLM-powered invoicing, smart payment reconciliation, and multi-channel agentic collections, reducing manual AR work by approximately 90%.

Which solution is best for B2B e-commerce businesses?

For B2B e-commerce sellers, Resolve offers embedded checkout capabilities and native integrations with Shopify, BigCommerce, Magento, and WooCommerce. Buyers can select net terms at checkout with instant credit decisions, creating a streamlined purchasing experience for B2B transactions. Resolve's white-labeled payment portal maintains seller branding throughout the buyer journey while providing the operational automation that e-commerce businesses require for scale.

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.