Choosing between TreviPay and Clearco often signals a fundamental misunderstanding of what each platform actually does. While both operate in the fintech space, TreviPay provides B2B trade credit infrastructure for enterprise and mid-market operations, and Clearco offers revenue-based growth capital for DTC e-commerce brands. These platforms serve distinct workflows: TreviPay enables sellers to extend payment terms to business buyers, while Clearco funds the seller's own operations.
For mid-market B2B sellers looking to offer net terms financing while maintaining healthy cash flow and reducing credit risk, Resolve Pay delivers a purpose-built solution that combines buyer credit decisioning, invoice financing, AR automation, payment workflows, and collections in one integrated platform.
TreviPay positions itself as "The Pay by Invoice Company" with over 40 years of experience in B2B payments infrastructure. The platform serves as a fully managed trade credit and payments solution designed for enterprises and mid-market B2B operations across multiple countries and currencies.
TreviPay offers a comprehensive suite of B2B payment capabilities:
The platform serves major enterprises including Walmart, Lenovo, United Airlines, Best Buy, and Currys as part of its customer base.
TreviPay serves businesses that may operate across multiple countries, currencies, sales channels, and enterprise systems. Its model combines credit underwriting, invoicing, collections, payments, and related order-to-cash services.
Organizations with complex global B2B operations, high transaction volumes, or the need for fully managed credit and AR services may find TreviPay's infrastructure suitable for their requirements.
TreviPay implementation timelines vary by project complexity and integration approach. Its implementation services can support launches in as little as six weeks, while more complex deployments may take longer.
Clearco provides non-dilutive e-commerce funding through Cash Advance and Invoice Funding products, with capped weekly payments and estimated repayment terms of 4-12 months. The company was founded in 2015 in Toronto and has since become a significant player in the startup financing space.
Clearco's funding model differs fundamentally from B2B trade credit platforms:
The platform connects to e-commerce platforms and bank accounts to assess revenue patterns and determine funding eligibility.
Clearco provides non-dilutive funding to eligible e-commerce businesses, including capital that can support inventory, marketing, supplier payments, and other growth initiatives.
The platform primarily serves:
Notable Clearco customers include Magic Spoon, Monos, Tushy, Andie Swim, and Kaged.
Understanding the fundamental differences between these platforms helps clarify why this comparison exists primarily due to market confusion rather than actual competitive overlap.
Primary Function:
Who Receives Value:
Funding Basis:
Repayment Structure:
The target customer profiles reveal why these platforms address different needs:
TreviPay serves:
Clearco serves:
Resolve Pay serves:
TreviPay focuses on managed B2B trade credit and payment infrastructure for organizations that may operate across multiple countries, currencies, sales channels, and enterprise systems. Its model combines credit underwriting, invoicing, collections, payments, and related order-to-cash services.
For businesses meeting these criteria:
Resolve Pay approaches the B2B seller workflow through an integrated platform that combines net terms financing, credit decisioning, AR automation, payments, and collections. The more relevant distinction for mid-market B2B sellers is workflow fit. Resolve Pay brings credit decisioning, net terms financing, AR automation, payments, and collections into a connected platform designed around B2B seller workflows.
Clearco provides non-dilutive funding to eligible e-commerce businesses, including capital that can support inventory, marketing, supplier payments, and other growth initiatives.
The platform works well for businesses meeting specific criteria:
This is different from Resolve Pay's seller-focused net terms model. Resolve Pay helps B2B sellers extend payment terms to approved buyers while connecting financing with credit decisioning, receivables workflows, payments, and collections. The platform does not fund the seller's general operations but rather enables sellers to offer competitive payment terms while maintaining healthy cash flow.
The broader B2B financing landscape includes several categories that serve different business needs.
Traditional options:
Modern alternatives:
Each category addresses different challenges. According to the Federal Reserve's small business research, U.S. small businesses continue to seek financing from traditional banks and alternative providers, including online lenders and fintech companies. Traditional factoring often involves recourse arrangements where sellers retain risk if buyers default. Bank financing requires extensive documentation and approval timelines.
Modern B2B payment platforms like Resolve Pay combine financing with operational benefits including automated collections, credit decisioning, and payment reconciliation. This integrated approach addresses both the working capital challenge and the operational burden of managing receivables.
The choice between invoice-based and revenue-based financing depends on your business model and objectives.
Invoice financing (Resolve Pay, TreviPay):
Revenue-based financing (Clearco):
For B2B sellers whose primary need involves offering competitive payment terms while maintaining cash flow, invoice-based solutions address the core challenge directly. Revenue-based financing serves businesses needing growth capital but operates through a different model focused on the seller's own revenue rather than buyer payment terms.
Research from the National Federation of Independent Business indicates that cash flow management remains a persistent challenge for small and mid-sized businesses. Invoice financing directly addresses this challenge by accelerating receivables while buyers maintain their agreed payment terms.
When evaluating financing solutions, several factors differentiate the available options.
Implementation and funding timelines vary by platform and product:
Minimum requirements differ significantly:
Integration capabilities span different systems:
Risk structure varies by model:
Resolve Pay addresses the specific needs of mid-market B2B sellers seeking to combine net terms financing, credit decisioning, AR automation, payments, and collections in one connected workflow. The platform enables sellers to offer competitive payment terms while maintaining healthy cash flow and reducing the operational burden of receivables management.
Resolve Pay combines multiple functions that B2B sellers traditionally manage through separate systems:
Non-recourse protection on eligible approved financed invoices means sellers are generally protected from repayment obligations arising solely from covered buyer defaults, subject to program terms. This structure differs from traditional factoring where sellers often retain recourse liability.
B2B sellers using Resolve Pay have achieved measurable results:
The platform integrates natively with major e-commerce platforms and accounting systems, enabling rapid deployment without extensive IT resources. Resolve Pay traces its origins to a B2B payments business spun out from Affirm and highlights credit and payments expertise from professionals with experience at companies including Amazon and PayPal.
For mid-market manufacturers, distributors, wholesalers, and other B2B sellers, Resolve Pay brings net terms financing, credit decisioning, AR automation, payments, and collections into one connected workflow. Its focus on B2B seller credit-to-cash operations makes Resolve Pay a strong fit for businesses that want to extend flexible buyer terms while accelerating cash flow and reducing the operational burden of managing receivables.
Resolve Pay combines buyer credit decisioning, net terms financing, invoicing, payment workflows, AR automation, and collections. This allows qualifying B2B sellers to offer flexible terms to approved buyers while accelerating access to cash on eligible invoices. The platform integrates with major ecommerce and accounting systems to streamline the entire order-to-cash workflow.
Resolve Pay is designed for B2B sellers including manufacturers, wholesalers, distributors, and suppliers. It can support businesses that want to extend payment terms while connecting credit decisions, receivables management, payments, and collections in one workflow. Most teams launch in under a week without extensive IT resources.
Resolve Pay provides non-recourse protection for eligible approved financed invoices under applicable program terms. This can reduce a seller's exposure to covered buyer credit defaults while Resolve Pay manages credit assessment and related payment workflows. Sellers are generally protected from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices.
Resolve Pay states that most teams launch in under a week. Actual timing depends on the seller's systems, selected integrations, and implementation requirements. The platform's native integrations with major ecommerce platforms and accounting systems enable rapid deployment without extensive technical resources or dedicated IT teams.
Resolve Pay supports integrations across major ecommerce, ERP, and accounting platforms, including Shopify, BigCommerce, Magento, WooCommerce, QuickBooks Online, NetSuite, Xero, and Sage Intacct, along with API-based integration options. These native integrations enable sellers to connect their existing systems without custom development work.
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.