Choosing between B2B payment infrastructure and traditional business lending requires understanding fundamentally different solutions serving distinct business needs. While TreviPay provides managed trade credit infrastructure for global enterprises and Chase Business Loans offers traditional lending products for established small businesses, Resolve Pay delivers net terms financing with non-recourse protection, AI-powered credit decisions, and comprehensive AR automation for mid-market B2B sellers. Understanding these differences helps manufacturers, distributors, and wholesalers select the approach that matches their cash flow objectives, risk tolerance, and growth trajectory.
The B2B payments ecosystem encompasses three distinct categories of solutions, each designed for different operational models and business objectives. Understanding these fundamental differences helps revenue and finance leaders select tools aligned with their growth stage, customer base, and execution capacity.
Enterprise managed payment infrastructure providers like TreviPay serve as comprehensive order-to-cash platforms for large organizations with global operations. These solutions handle buyer credit management, invoicing, collections, and multi-currency support across international markets. The value proposition centers on outsourcing complex payment operations to a specialized provider. However, these platforms typically require extensive implementation timelines and serve primarily Fortune 500 companies with multi-country requirements.
Traditional bank lending products like Chase Business Loans represent the conventional approach to business capital. Banks provide term loans, lines of credit, and SBA financing that businesses use for equipment purchases, expansion, payroll, and general operations. The borrower receives capital directly and repays the bank according to loan terms, regardless of customer payment timing. This model works well for capital expenditures but does not address the specific challenge of waiting 30-90 days for customer invoice payments.
B2B net terms financing platforms like Resolve Pay represent a distinct category focused on the supplier's challenge of offering payment terms while maintaining healthy cash flow. Rather than lending capital for general purposes, these platforms advance cash against specific customer invoices and handle collections on the seller's behalf. This model converts receivables into immediate working capital without creating traditional debt obligations.
The fundamental distinction lies in what problem each solution addresses: TreviPay provides managed trade credit programs that can include accelerated supplier payments and payment guarantees, Chase provides traditional business financing with borrower repayment obligations, and Resolve Pay combines non-recourse invoice advances, buyer credit decisioning, and AR automation for B2B sellers.
TreviPay operates as a managed B2B trade credit infrastructure provider focused on large enterprises with global operations. Founded in 1978 (formerly MSTS), the company powers over $8 billion in global trade and was named a Leader in the IDC MarketScape for Worldwide Embedded Payment Applications 2024-2025.
The platform provides comprehensive order-to-cash services including:
TreviPay's white-label approach allows enterprises to offer branded payment experiences while the platform handles underlying operations. TreviPay combines managed trade credit operations with payment acceleration and credit risk management. Supplier settlement arrangements and risk protection depend on the terms of each program.
TreviPay integrates with major e-commerce and ERP platforms including SAP, Microsoft Dynamics, BigCommerce, Salesforce Commerce Cloud, and Adobe Commerce. The platform supports custom API integrations for organizations with proprietary systems.
TreviPay implementation timelines depend on system complexity and configuration requirements. Standard setups can be completed in less than a month, while highly customized enterprise integrations may require six months or longer. Implementation may include system integration, buyer migration, credit program configuration, and operational training.
TreviPay primarily serves large enterprises with:
Chase Business Loans represents traditional bank lending through JPMorgan Chase Bank, N.A. The bank ranked third in the J.D. Power 2025 U.S. Small Business Banking Satisfaction Study and operates 8,000+ branches across 48 states.
Chase offers several business lending products:
Term Loans
Business Line of Credit
SBA Financing
Chase evaluates applicants based on eligibility criteria associated with the financing product. Its published requirements for standard small business loans and business lines of credit include:
Additional requirements may apply depending on the product, financing amount, and banking relationship.
Importantly, Chase does not currently offer accounts receivable financing or invoice factoring. The bank's products provide capital for general business purposes, but borrowers must repay loans according to schedule regardless of when their customers pay invoices.
This creates a fundamental gap for B2B sellers who need to offer payment terms to customers while maintaining cash flow. A Chase loan might fund inventory or expansion, but it does not solve the working capital challenge of waiting 30-90 days for customer payments on delivered goods.
Chase loan applications require documentation including business financial statements, tax returns, and proof of ownership. Approval timelines range from days to months depending on loan type, with SBA loans typically requiring the longest processing time.
Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and offloading credit risk. The company spun out from Affirm, the consumer BNPL provider, and raised $60 million in Series A funding from Initialized Capital and Commerce Ventures.
Rather than providing general business capital or managed payment infrastructure, Resolve Pay addresses a specific challenge: B2B sellers need to offer Net 30, 60, or 90 terms to win and retain customers, but waiting months for payment strains cash flow and creates default risk.
The platform solves this through:
This model fundamentally differs from TreviPay and Chase. TreviPay provides managed trade credit programs that can include accelerated supplier payments and payment guarantees. Chase provides traditional business financing with borrower repayment obligations. Resolve Pay combines non-recourse invoice advances, buyer credit decisioning, and AR automation for B2B sellers.
Resolve Pay's Smart Credit Engine evaluates buyer creditworthiness using data points including cash flow trends, payment history, and behavioral signals. The system delivers real-time credit decisions, with response times under 24 hours and instant approvals available for qualifying purchases.
The non-recourse model provides significant risk reduction for sellers. When Resolve approves an invoice for advance, the seller receives funds and is generally protected from repayment obligations arising solely from the buyer's failure to pay, subject to program terms. This contrasts with:
Resolve Pay supports integrations with major platforms including:
Resolve Pay onboarding typically takes a few days to a few weeks after approval, depending on integration complexity. Supported ecommerce integrations can be configured relatively quickly, while more involved ERP connections require additional setup and testing. The platform supports two-way sync for invoice and payment data, automated reconciliation, and white-label deployment options.
Beyond financing, Resolve Pay includes comprehensive accounts receivable automation:
The collections approach preserves customer relationships through professional, friendly communication rather than aggressive tactics. Sequences pause automatically when payment or disputes are received, and all interactions log to invoice records automatically.
Resolve Pay serves mid-market B2B sellers with $1M+ annual revenue across industries including:
Customer results demonstrate the platform's impact:
The three solutions approach B2B financing from fundamentally different angles:
Resolve Pay advances an approved portion of eligible invoice value, typically within 1-2 business days, while sellers offer Net 30, 60, or 90 terms to qualifying buyers. Advance rates depend on underwriting and the merchant's approved program. Any remaining invoice balance is handled according to the financing arrangement when the buyer pays. Non-recourse protection on eligible approved financed invoices helps reduce exposure to covered buyer credit defaults.
TreviPay manages buyer credit accounts and invoicing as part of comprehensive payment infrastructure. TreviPay combines managed trade credit operations with payment acceleration and credit risk management. Supplier settlement arrangements and risk protection depend on the terms of each program. The platform focuses on managing the entire order-to-cash process for enterprise clients.
Chase does not offer invoice financing. Term loans and lines of credit provide capital for general business purposes, but repayment obligations exist regardless of customer payment timing. A manufacturer with $500,000 in outstanding receivables cannot convert those invoices to immediate cash through Chase products.
Resolve Pay's AI Credit Engine delivers buyer credit decisions in seconds to 24 hours, evaluating thousands of data points without impacting buyer credit scores. Dynamic credit lines adjust based on payment history, and quiet credit checks mean buyers are not notified of the evaluation.
TreviPay uses enterprise underwriting processes appropriate for managing large buyer portfolios across global markets. Decision timelines vary based on program complexity and buyer profile.
Chase evaluates the borrowing business rather than underwriting individual customers purchasing on net terms. Published eligibility criteria for its standard small business loans and business lines of credit include credit score, annual revenue, and ownership stability requirements. Other financing products may have different underwriting standards and approval timelines.
Resolve Pay supports ecommerce integrations with BigCommerce, WooCommerce, Magento 2, and Shopify through supported checkout or custom integration flows. Accounting and ERP integrations include QuickBooks Online, Xero, Sage Intacct, and NetSuite. Flexible APIs allow businesses to connect additional systems based on their technical requirements. Resolve Pay onboarding typically takes a few days to a few weeks after approval, depending on integration complexity.
TreviPay integrates with SAP, Microsoft Dynamics, BigCommerce, Salesforce Commerce Cloud, and Adobe Commerce. TreviPay implementation timelines also vary by configuration. Standard setups may be completed in less than a month, while highly customized enterprise deployments can take considerably longer.
Chase provides traditional banking services without e-commerce or AR system connections. Traditional business loan approval timelines depend on the lender, financing product, and documentation requirements.
Resolve Pay's supported integrations, flexible APIs, and streamlined onboarding help businesses connect payment and receivables workflows with their existing systems. TreviPay's implementation requirements vary depending on configuration, integrations, and operational complexity.
Resolve Pay includes comprehensive AR automation as part of the platform: invoice generation, payment reminders, reconciliation, and agentic collections. The system reduces manual AR work by up to 90% through automated workflows.
TreviPay offers AR management services as part of managed payment infrastructure, handling invoicing and collections for enterprise clients.
Chase does not provide AR automation. Businesses using Chase loans must manage their own invoicing, collections, and reconciliation processes.
The B2B payments landscape presents significant opportunity for suppliers who can efficiently offer payment terms. Approximately 50-54% of U.S. B2B sales occur on credit terms with average payment terms of 45 days. Yet fewer than 10% of merchants are equipped to offer trade credit efficiently.
This gap creates competitive disadvantage for suppliers who cannot extend terms and cash flow strain for those who do. Net terms adoption in B2B marketplaces increased 12% from 2023 to 2024, reflecting accelerating buyer expectations.
The global B2B payments market reached $11.69 trillion in 2024, projected to grow to $15.88 trillion by 2030 at 5.2% CAGR. Within this market, embedded B2B trade credit platforms are projected to grow from $4.1 trillion to $36.2 trillion by 2034 at a 31% CAGR, with invoice financing representing 47.3% of embedded trade credit volume.
These trends favor platforms that combine net terms financing, credit decisioning, and AR automation in integrated solutions, rather than traditional approaches requiring multiple vendors or general-purpose lending that does not address the specific challenge of B2B receivables.
Resolve Pay helps manufacturers, distributors, and wholesalers offer Net 30, 60, or 90 payment terms without waiting for the full customer payment period to access working capital.
Eligible approved invoices can receive advance funding, typically within 1-2 business days. Advance amounts depend on underwriting and program terms, allowing sellers to support customer purchasing flexibility while maintaining cash flow.
Resolve Pay provides non-recourse protection on eligible approved financed invoices. Sellers are generally protected against covered buyer credit defaults, subject to contractual terms and applicable exclusions.
The platform combines AI-powered credit checks with underwriting expertise to help sellers evaluate business buyers and establish appropriate credit limits.
Resolve Pay supports integrations with major ecommerce, accounting, and ERP platforms, including:
Flexible APIs allow businesses to connect additional systems according to their operational requirements.
Resolve Pay brings credit decisioning, invoicing, payment reconciliation, reminders, and collections management into a centralized platform.
Businesses can reduce manual receivables work while maintaining visibility into:
Resolve Pay's invoice advance model focuses on approved B2B transactions rather than general-purpose business borrowing.
For manufacturers, distributors, and wholesalers that regularly extend customer payment terms, this provides a way to accelerate cash flow, manage credit exposure, and streamline accounts receivable operations through one platform.
For manufacturers, wholesalers, and distributors, managing customer payment terms requires more than access to traditional business financing. Businesses also need reliable credit decisioning, predictable cash flow, efficient payment collection, and visibility into outstanding receivables.
Resolve Pay brings these capabilities together through:
By helping sellers extend flexible net terms while receiving advance payments on qualifying invoices, Resolve Pay supports stronger cash flow and reduces the administrative burden of managing B2B credit.
Businesses seeking to simplify their credit-to-cash operations can explore Resolve Pay's net terms and B2B payment capabilities to support sustainable B2B growth.
Resolve Pay provides non-recourse advances on eligible approved B2B invoices. Sellers are generally protected from repayment obligations arising solely from covered buyer credit defaults, subject to program terms. Disputes involving merchandise, delivery, or merchant errors are handled separately. This structure helps businesses extend payment terms while reducing exposure to qualifying customer credit losses.
Resolve Pay supports ecommerce integrations with BigCommerce, Magento 2, WooCommerce, and Shopify through supported checkout or custom integration flows. Accounting and ERP integrations include QuickBooks Online, Xero, Sage Intacct, and NetSuite. Businesses with additional integration requirements can use Resolve Pay's APIs and developer tools to connect their existing systems.
When a customer defaults for covered credit reasons on an eligible approved financed invoice, Resolve Pay's non-recourse protection generally allows the seller to retain the advance, subject to contractual terms. Resolve Pay also manages payment reminders and collections workflows. Disputes involving product quality, delivery, or merchant error are subject to separate resolution procedures.
Resolve Pay onboarding typically takes a few days to a few weeks after approval, depending on the business's existing systems and integration requirements. Onboarding includes account configuration, payment workflow setup, team training, and integration testing where applicable. Supported ecommerce connections may require less configuration than more complex ERP integrations.
Resolve Pay combines invoice management, automated payment reminders, reconciliation, credit monitoring, and collections workflows in one platform. Its AI-powered tools help finance teams track receivables, match payments to invoices, and manage overdue balances. Businesses can also offer customers a branded payment portal supporting common B2B payment methods, including ACH, wire transfers, credit cards, and checks.
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.