TreviPay vs Clarify Capital

Choosing between Resolve Pay, TreviPay, and Clarify Capital requires understanding a fundamental distinction: these solutions serve different business needs. TreviPay and Resolve Pay operate as B2B payments platforms helping sellers offer payment terms to buyers, while Clarify Capital functions as a business lending marketplace connecting companies with loan providers. For mid-market manufacturers, distributors, and wholesalers seeking integrated net terms financing, AR automation, and non-recourse payment solutions, Resolve Pay delivers a comprehensive platform that combines B2B payment infrastructure with working capital optimization.

Key Takeaways

• Resolve Pay and TreviPay are B2B payment platforms enabling sellers to offer payment terms to buyers, while Clarify Capital is a business lending marketplace helping companies secure financing for their own operations
• Resolve Pay combines net terms financing with AR automation and non-recourse funding, advancing up to 90% of eligible approved invoice value within 24 hours while reducing seller exposure to approved buyer credit risk
• Resolve Pay's AI-powered credit assessment can provide fast credit decisions, with streamlined credit assessments delivered within 24 business hours
• More than 15,000 businesses actively use Resolve Pay's platform, with customers reporting outcomes like 5x revenue growth and significant AR workload reduction
• Integration capabilities span major ecommerce platforms including Shopify, BigCommerce, Magento, and WooCommerce, plus accounting systems like QuickBooks, Xero, Sage Intacct, and NetSuite
• TreviPay serves enterprise organizations with global B2B payment needs across 30+ countries, while Resolve Pay focuses on mid-market B2B sellers in manufacturing, wholesale distribution, and supply industries

Understanding the B2B Financing Landscape

The B2B financing ecosystem encompasses distinct solution categories that address different operational challenges. The Federal Reserve Payments Study tracks how businesses and consumers use noncash payment methods, illustrating the range of payment workflows businesses manage. Understanding these categories helps revenue and finance leaders select tools aligned with their specific objectives.

B2B Payment Platforms

B2B payment platforms like TreviPay and Resolve Pay serve sellers who need to offer deferred payment terms to their business customers. These platforms handle the complete payment lifecycle, including:

• Credit decisioning on buyers
• Invoice generation
• Payment processing
• Collections management

The value proposition centers on enabling sellers to extend competitive terms without absorbing cash flow strain or credit risk themselves.

TreviPay positions itself as an enterprise-focused solution with global reach across 30+ countries and decades of experience in B2B payments. The platform serves large enterprises requiring international payment infrastructure and complex buyer networks.

Resolve Pay takes a different approach, specifically serving mid-market B2B sellers in manufacturing, wholesale distribution, and supply industries. The platform combines net terms financing with non-recourse advances, allowing sellers to receive up to 90% of eligible approved invoice value within 24 hours while reducing exposure to approved buyer credit defaults.

Business Lending Marketplaces

Business lending marketplaces like Clarify Capital serve an entirely different function. Companies use business financing for needs such as purchasing inventory, funding equipment, covering working-capital gaps, or supporting expansion. The SBA 7(a) program similarly identifies working capital, equipment, and other business investments as common financing uses. These needs differ from offering payment terms to customers.

Business lending marketplaces connect businesses seeking capital with financing providers offering products such as term loans, lines of credit, equipment financing, and other funding structures. The Small Business Credit Survey provides broader research on small-business financing and debt needs across the United States.

The key distinction: lending marketplaces help businesses borrow money for their own operations. They do not enable sellers to offer payment terms to customers or automate accounts receivable functions.

TreviPay

Platform Overview

TreviPay has built its reputation as an enterprise B2B payments platform focused on global companies requiring extensive international coverage. The platform processes payments across 30+ countries and supports multiple currencies, making it suitable for multinational corporations with complex buyer networks spanning multiple regions.

Key characteristics of TreviPay include:

• Enterprise-focused positioning with Fortune 500 clientele
• Global payment acceptance across 30+ countries
• Multi-currency support for international transactions
• Accounts receivable automation capabilities
• Credit decisioning infrastructure for buyer qualification

Implementation Considerations

TreviPay's implementation timeline varies based on configuration and integration complexity. Its standard setups can be completed relatively quickly, while highly customized enterprise deployments can take significantly longer.

TreviPay's enterprise orientation is designed for organizations managing complex B2B payment programs, while Resolve Pay focuses on giving mid-market B2B sellers an integrated path to net terms, credit management, AR automation, and payments.

Clarify Capital

Platform Overview

Clarify Capital operates as a business lending marketplace rather than a B2B payments platform. The company connects businesses seeking capital with a network of 75+ lending partners, offering access to various loan products including:

• Term loans
• Business lines of credit
• SBA loans
• Equipment financing
• Invoice factoring
• Merchant cash advances

When Businesses Use Lending Marketplaces

Companies turn to lending marketplaces like Clarify Capital when they need capital for their own operations: purchasing inventory, funding equipment, covering payroll during seasonal gaps, or financing expansion initiatives. These are fundamentally different needs than offering payment terms to customers.

A wholesale distributor might use a lending marketplace to secure financing for warehouse expansion. That same distributor could use Resolve Pay to offer Net 60 terms to retail customers while supporting its own cash flow.

Resolve Pay

Comprehensive B2B Payment Solution

Resolve Pay serves mid-market B2B sellers who need an integrated platform combining net terms financing, AR automation, credit decisioning, and collections management. Built by former executives from Affirm, Amazon, and PayPal, the platform addresses the complete payment lifecycle for manufacturers, distributors, and wholesalers.

The platform's core capabilities include:

• Net Terms Financing: Sellers can offer flexible net terms to approved buyers while receiving advances of up to 90% of eligible approved invoice value within 24 hours
• Non-Recourse Protection: Resolve Pay assumes covered buyer default risk on eligible approved invoices, subject to the applicable financing agreement
• AI Credit Engine: Proprietary technology evaluates buyer creditworthiness using thousands of data points, with streamlined credit assessments delivered within 24 business hours
• AR Automation: Automated invoicing, payment reminders, reconciliation, and collections help reduce manual work across the receivables lifecycle
• Agentic Collections: Multi-channel automated sequences across email, SMS, and voice AI preserve customer relationships while reducing DSO

Customer Results

Resolve Pay's platform has delivered measurable outcomes for B2B sellers across industries:

• SS&SI Dealer Network achieved 5x revenue growth through the platform
• ConEquip reported 30% year-over-year growth in construction equipment sales
• Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours
• Trenchless Supply reduced AR workload by 90% with credit approvals delivered within 24 hours
• Elston Materials increased margins from 25% to 30%, a 5-point improvement

Integration Ecosystem

Resolve Pay maintains native integrations with major ecommerce and accounting platforms:

Ecommerce Platforms:

• Shopify
• BigCommerce (2025 Innovative Integration Award winner)
• Magento 2
• WooCommerce

Accounting Systems:

• QuickBooks Online
• Xero
• Sage Intacct
• Oracle NetSuite

Most teams launch within one week, with two-way sync ensuring invoice and payment data flows automatically between systems. The platform also offers REST API with webhooks and sandbox environments for custom integrations.

Why Resolve Pay Stands Out for B2B Sellers

For manufacturers, distributors, and wholesalers evaluating B2B payment solutions, Resolve Pay offers distinct advantages over enterprise-focused platforms and standalone lending products.

Non-Recourse Financing Model

Unlike traditional factoring where sellers retain risk if buyers default, Resolve Pay's non-recourse model means approved invoices are protected. When Resolve Pay advances funds against an invoice, they assume the credit risk. If the buyer fails to pay, sellers keep the advance without chargebacks or recourse claims.

This risk transfer fundamentally changes how sellers approach extending credit. Rather than limiting terms to only the most creditworthy customers, sellers can confidently offer competitive payment options knowing their cash flow remains protected.

Speed to Value

Resolve Pay's integrations with popular ecommerce and accounting platforms support streamlined deployment, with implementation timing depending on the systems, workflow requirements, and level of customization involved.

Resolve Pay's AI-powered credit assessment can deliver results within 24 business hours, helping sellers reduce delays associated with manual credit workflows and move qualified buyers through the sales process faster.

Integrated Platform vs. Point Solutions

Rather than requiring separate tools for credit checking, invoice financing, AR automation, and collections, Resolve Pay consolidates these functions into a single platform. This integration helps reduce data silos, reduces vendor management complexity, and ensures consistent buyer experience throughout the payment lifecycle.

The platform's Business Credit Check capabilities use quiet credit pulls that don't impact buyer credit scores, removing friction from the approval process while providing sellers with comprehensive risk assessment.

White-Label Experience

Resolve Pay's B2B Payment Portal maintains seller branding throughout the buyer journey. Customers interact with a branded experience showing their invoices, credit lines, and payment history rather than encountering third-party branding that could create confusion or erode trust.

Payment options include ACH, wire transfer, credit card, and check, with credit card processing fees passed to buyers when appropriate. Self-serve payment plans and dispute flagging reduce support burden while improving buyer satisfaction.

Why Resolve Pay Fits B2B Sellers

Resolve Pay helps mid-market manufacturers, distributors, wholesalers, and other B2B sellers manage net terms, credit decisioning, AR automation, payments, and collections in one connected platform.

Key capabilities include:

• Non-recourse advances: Help sellers offer flexible payment terms while reducing exposure to approved buyer credit defaults on eligible invoices.
• AI-powered credit assessment: Streamlines credit decisioning.
• AR automation: Reduces manual receivables and collections work.
• System integrations: Connects with ecommerce, ERP, and accounting platforms.

Resolve Pay strengthens the credit-to-cash workflow without adding disconnected financial tools.

More than 15,000 businesses use Resolve Pay, which also received the 2025 BigCommerce Innovative Integration Award for its B2B ecommerce integration.

Frequently Asked Questions

How does Resolve Pay's non-recourse financing compare to traditional factoring?

Traditional factoring typically involves recourse arrangements where sellers remain liable if buyers fail to pay. Resolve Pay's non-recourse model transfers credit risk to the platform on approved invoices. When Resolve Pay advances funds against an invoice, they assume the default risk, meaning sellers keep the advance even if buyers don't pay.

Can a Growing Business Use Resolve Pay?

Resolve Pay is designed for established B2B sellers that meet its eligibility requirements, including businesses with at least $1M in annual B2B revenue. Eligibility and available credit programs are subject to Resolve Pay's review and buyer verification.

What types of businesses are best suited for Resolve Pay?

Resolve Pay primarily serves mid-market B2B sellers with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. Common verticals include HVAC parts distribution, electrical and plumbing supplies, industrial equipment, medical and pharmaceutical distribution, and construction materials.

How does Resolve Pay support rapid implementation?

Resolve Pay supports streamlined implementation through integrations with platforms such as BigCommerce, QuickBooks Online, NetSuite, Xero, Sage Intacct, Magento 2, and WooCommerce. Exact implementation timing depends on the systems and customization involved.

Does Resolve Pay integrate with existing ERP and accounting systems?

Yes, Resolve Pay offers two-way sync integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform also provides REST API with webhooks and sandbox environments for custom integrations with other systems, ensuring invoice and payment data flows automatically between platforms.

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.