When B2B manufacturers and distributors need to offer net payment terms while maintaining healthy cash flow, selecting the right payment platform becomes a critical business decision. After extensive research, it's important to clarify upfront: Driven is a Canadian online business lender that provides working capital financing rather than a supplier-side B2B net terms and accounts receivable platform. The comparison involves three distinct operating models: Driven provides direct business lending, TreviPay provides enterprise B2B payment infrastructure, and Resolve Pay provides supplier-side net terms, invoice advances, and AR automation. While TreviPay serves large enterprises with global complexity and Driven offers direct working capital loans to businesses, Resolve Pay delivers specialized net terms financing with integrated receivables management for mid-market B2B sellers.
Driven is a Canadian online business lender that provides working capital financing directly to businesses. The company offers loans and lines of credit to help businesses manage cash flow challenges, but it does not operate as a supplier-side B2B net terms platform where suppliers offer deferred payment terms to their buyers. Driven's model involves lending money to businesses that need capital, while platforms like Resolve Pay enable suppliers to offer net terms to their customers while receiving immediate cash advances on invoices.
For businesses evaluating net terms platforms to offer their B2B buyers, the meaningful comparison involves understanding how supplier-side financing platforms like Resolve Pay differ from enterprise payment infrastructure like TreviPay.
TreviPay positions itself as a global B2B payments network serving large enterprises. Founded in 1978 (formerly MSTS), the company processes significant annual volume and serves clients across 20+ countries. Their decades of industry experience translate into comprehensive enterprise capabilities, including omnichannel support for online, in-store, mobile, and M2M/ERP transactions.
Resolve Pay takes a fundamentally different approach to B2B payments. Spun out from Affirm and developed in PayPal co-founder Max Levchin's venture studio, Resolve Pay focuses exclusively on mid-market B2B sellers - manufacturers, distributors, and wholesalers - who need to offer net terms without cash flow strain or credit risk. The platform serves 15,000+ businesses and raised $60 million in Series A funding from Initialized Capital and Commerce Ventures.
The fundamental difference lies in philosophy: Resolve Pay provides an integrated platform combining credit decisioning, invoice financing, AR automation, and collections specifically designed for suppliers offering net terms to their business buyers.
According to the U.S. Small Business Administration, managing cash flow, accounts receivable, and accounts payable is essential for maintaining healthy operations and supporting business growth. Resolve Pay addresses this challenge by enabling suppliers to offer deferred payment terms while receiving immediate cash advances on approved invoices.
Resolve Pay's Net Terms Model:
When Resolve Pay approves an invoice for an advance, eligible sellers can receive an advance on that invoice, with the available percentage determined by underwriting, buyer verification, invoice eligibility, and program configuration. Resolve Pay's cash advances are non-recourse - the seller keeps the advanced amount if the approved buyer ultimately fails to pay. This allows sellers to offer competitive Net 15, 30, 60, and 90 day terms to their buyers while maintaining immediate access to working capital.
The Non-Recourse Advantage:
The non-recourse structure matters enormously for mid-market businesses. With Resolve Pay's non-recourse model, sellers can confidently offer net terms without building internal credit expertise or maintaining significant bad debt reserves. This allows businesses to focus on growth rather than collections and credit risk management.
For businesses seeking to offer competitive payment terms while eliminating credit risk from their balance sheets, Resolve Pay's connected approach to credit decisioning, financing, and AR management provides an integrated solution designed specifically for this use case.
Resolve Pay's AR automation platform is designed to reduce manual work across invoicing, reconciliation, payment tracking, reminders, and collections. Research from the Federal Reserve Banks indicates that timely collection of customer payments is critical to business cash flow.
Resolve Pay's AR Automation Capabilities:
The platform automates invoice generation synced from ERP and accounting systems, provides smart payment reconciliation using machine learning to match invoice-to-cash automatically, and offers real-time AR dashboards showing DSO, aging, and portfolio health. Two-way sync with QuickBooks, Xero, Sage Intacct, and NetSuite eliminates manual data entry and ensures consistent records across systems.
The automation that Resolve Pay delivers transforms how finance teams operate in mid-market businesses. Instead of manually chasing payments, managing spreadsheets, and reconciling transactions, teams can focus on strategic initiatives while the platform handles:
This efficiency gain proves especially valuable for mid-market companies where finance teams wear multiple hats and can't dedicate full-time resources to manual AR processes. The integrated AR automation allows businesses to scale operations without proportional headcount growth in their finance departments.
Credit decisioning speed directly impacts sales velocity. The longer buyers wait for credit approval, the more likely they are to purchase elsewhere or abandon the transaction entirely.
Resolve Pay's Credit Engine:
Resolve Pay's proprietary AI evaluates buyer data points to make credit decisions. The platform can conduct streamlined or quiet business credit assessments using basic company information. Credit limits are determined through underwriting and buyer verification, with dynamic adjustment based on payment history over time.
This replaces manual trade reference calls, spreadsheet tracking, and lengthy approval processes with systematic evaluation that balances approval rates with portfolio quality.
Because Resolve Pay's advances are non-recourse on approved invoices, sellers don't need to become credit experts or build internal credit departments. Resolve Pay's underwriting means businesses can offer net terms confidently while the platform manages the default risk on approved invoices. This eliminates the need for:
The connected credit decisioning and non-recourse financing model allows mid-market suppliers to compete with larger competitors who have dedicated credit teams and sophisticated risk management infrastructure.
Collections represent one of the most sensitive areas of AR management. Aggressive tactics damage customer relationships, while passive approaches lead to mounting past-due balances.
Resolve Pay's Collections Approach:
Resolve Pay offers configurable reminder and collections workflows that can include multi-channel sequences (email, phone, SMS depending on configuration), intelligent escalation based on buyer response and payment history, and automatic pausing when payment is received or disputes are flagged. All interactions log to the invoice record automatically for complete audit trails.
The automated collections system enables scalable follow-up without hiring dedicated collections staff - a critical advantage for mid-market companies that can't afford specialized collections teams but still need systematic follow-up on past-due accounts.
Rather than aggressive factoring tactics that strain customer relationships, the platform uses intelligent automation to maintain professional communication while systematically working through collection sequences. This preserves valuable customer relationships while ensuring consistent follow-up on outstanding balances.
Integration capabilities determine how quickly businesses can deploy a payment platform and how well it fits into existing workflows.
Resolve Pay's Integration Capabilities:
Resolve Pay offers native integrations with major B2B ecommerce platforms including Shopify, BigCommerce, Magento, and WooCommerce. For accounting and ERP systems, prebuilt connectors support QuickBooks Online, Xero, Sage Intacct, and NetSuite.
The platform's REST API with webhooks enables custom integrations for businesses with specialized system requirements. Prebuilt integrations support relatively quick deployment depending on systems, data, customization needs, and program scope.
Resolve Pay's white-labeled payment portal enables sellers to maintain brand consistency throughout the buyer journey. The buyer dashboard shows all invoices, available credit, payment history, and account details under the seller's branding.
Payment Options and Flexibility:
Supported payment methods can include ACH, wire transfer, credit card, and check, with available methods varying by program and transaction. The self-serve portal enables buyers to make payments, request payment plans, and flag disputes without requiring seller intervention for routine transactions.
For B2B ecommerce specifically, Resolve Pay's native integrations enable deployment of net terms at checkout - a capability designed specifically for online B2B sellers who want to offer financing options directly in their digital storefronts.
Mid-market B2B sellers face unique challenges that make an integrated platform approach valuable. These companies typically don't need global enterprise infrastructure across 20+ countries, but they do need immediate cash flow improvement, risk management, and operational efficiency.
Resolve Pay's Integrated Approach:
Rather than managing separate point solutions for credit checks, invoice factoring, AR automation, and collections, Resolve Pay combines these capabilities in a single platform. This eliminates the complexity of managing multiple vendor relationships and ensures seamless data flow across the entire order-to-cash cycle.
The platform's focus on manufacturers, distributors, and wholesalers means features are designed specifically for the B2B selling model:
Resolve Pay serves mid-market B2B businesses including:
These businesses typically generate $1M to $100M in annual revenue and sell to other businesses on net payment terms. They need financing solutions that don't require lengthy enterprise sales cycles or complex implementations, but they also need more sophisticated capabilities than consumer-focused payment platforms provide.
Resolve Pay's platform has enabled measurable results for mid-market B2B sellers. Client outcomes include:
These results demonstrate the tangible impact of connecting credit decisioning, immediate cash advances, automated AR, and systematic collections in a single platform designed for B2B selling.
Choosing between different B2B payment approaches depends on understanding your business model and operational needs. Driven provides direct working capital loans to businesses seeking financing for their own operations. TreviPay offers enterprise payment infrastructure for large organizations with global, multi-channel requirements. Resolve Pay provides supplier-side net terms financing with integrated AR automation for mid-market B2B sellers.
For manufacturers, distributors, and wholesalers who sell to other businesses on net payment terms, Resolve Pay's connected platform addresses the specific challenges of this business model. The combination of non-recourse invoice advances, automated receivables management, AI-powered credit decisioning, and systematic collections creates an integrated solution designed specifically for suppliers offering net terms.
The platform's 15,000+ business customer base, pre-built ecommerce and accounting integrations, and focus on the mid-market B2B segment make it particularly relevant for growing companies that need sophisticated financing and AR capabilities without enterprise complexity.
Visit Resolve Pay to explore how integrated net terms financing and AR automation can support your B2B growth.
Driven is a Canadian online business lender that provides working capital financing directly to businesses through loans and lines of credit. Resolve Pay operates as a supplier-side platform, enabling B2B sellers to offer net payment terms to their buyers while receiving immediate cash advances on approved invoices. The key difference is audience and use case: Driven lends to businesses seeking capital for their own operations, while Resolve Pay enables suppliers to offer financing to their customers. If you're a manufacturer, distributor, or wholesaler looking to offer Net 30/60/90 terms to your B2B buyers, Resolve Pay's supplier-focused model with integrated AR automation aligns with that specific need.
Resolve Pay's cash advances are non-recourse on approved invoices. When Resolve Pay approves an invoice for an advance, the seller receives funding and keeps the advanced amount if the approved buyer ultimately fails to pay. This means suppliers can offer competitive net payment terms without worrying about buyer defaults on approved invoices. The non-recourse structure eliminates the need for internal credit departments, significant bad debt reserves, or trade credit insurance in many cases, allowing mid-market businesses to compete with larger competitors who have dedicated credit risk management infrastructure.
Resolve Pay serves mid-market B2B sellers, typically generating $1M to $100M in annual revenue, including manufacturers, wholesale distributors, and supply companies. Key verticals include HVAC parts distributors, electrical and plumbing supplies, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers. These businesses sell to other businesses on net payment terms and need financing solutions that provide immediate cash flow while managing credit risk. Companies with ecommerce channels particularly benefit from Resolve Pay's native integrations with Shopify, BigCommerce, Magento, and WooCommerce, which enable net terms checkout options directly in their online stores.
Resolve Pay offers native integrations with major B2B ecommerce platforms (Shopify, BigCommerce, Magento, WooCommerce) and accounting/ERP systems (QuickBooks Online, Xero, Sage Intacct, NetSuite). These prebuilt connectors enable relatively quick deployment depending on your specific systems, data requirements, and customization needs. The platform's two-way sync with accounting systems eliminates manual data entry and ensures invoice, payment, and customer data remain consistent across platforms. For businesses with specialized requirements, Resolve Pay provides a REST API with webhooks for custom integrations. The integration ecosystem is designed specifically for mid-market B2B sellers, with features tailored to purchase orders, quote-to-invoice workflows, and multi-location operations.
Resolve Pay's AR automation platform handles invoice generation synced from ERP and accounting systems, smart payment reconciliation using machine learning to automatically match payments to invoices, real-time dashboards showing DSO and aging, and automated reminder sequences for upcoming and past-due payments. The platform eliminates manual tasks like creating invoices in multiple systems, matching payments to outstanding invoices, chasing down late payments via spreadsheets, and updating accounting records after payments are received. For mid-market businesses where finance teams wear multiple hats, this automation allows scaling operations without proportional headcount growth in AR management, freeing teams to focus on strategic initiatives rather than routine transaction processing.
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.