Selecting the right financing and payment solution for your B2B business requires understanding fundamental differences in how platforms operate, who they serve, and what problems they solve. TreviPay functions as an enterprise B2B payment processing and trade credit infrastructure provider with more than four decades of experience. Founderpath operates as a non-dilutive capital provider with financing products for software and other businesses with recurring or repeat revenue. Resolve Pay bridges both worlds by delivering non-recourse net terms financing combined with comprehensive AR automation for manufacturers, distributors, and wholesalers who need immediate cash flow while reducing credit risk exposure.
The B2B financing market encompasses multiple distinct categories, each addressing different operational challenges and business objectives. Understanding these categories helps revenue leaders select solutions aligned with their company stage, industry, and growth trajectory.
B2B sellers face persistent cash flow challenges when offering net payment terms. Waiting 30, 60, or 90 days for customer payments strains working capital, limits growth opportunities, and creates uncertainty around revenue timing. Businesses use several sources of external capital to support operations and expansion. The 2024 credit survey from the Federal Reserve Banks shows continued demand for loans, lines of credit, cash advances, and trade credit among small employer firms.
Credit risk compounds these challenges. When sellers extend payment terms directly to buyers, they assume the risk of non-payment. A single large customer default can impact a mid-market company's financial position. Manual credit assessment processes consume valuable staff time while producing inconsistent results.
Collections management adds another layer of complexity. Following up on overdue invoices requires dedicated resources, risks damaging customer relationships, and diverts attention from revenue-generating activities.
Different business models require different financing approaches:
This diversity explains why TreviPay, Founderpath, and Resolve Pay occupy distinct market positions within the broader B2B financing space.
TreviPay operates as an enterprise-focused B2B payments provider with more than four decades of B2B payments experience and currently reports enabling more than $8 billion in global trade annually across 30+ countries.
TreviPay provides comprehensive order-to-cash management infrastructure:
TreviPay serves:
TreviPay's enterprise deployment model supports large-scale operations with implementation requirements depending on the scope and complexity of the program.
Founderpath provides non-dilutive capital based on business financial performance, recurring revenue, retention, and other underwriting data. Its current platform reports $281M deployed across 760 companies, while eligibility requirements vary by financing structure.
Founderpath offers several non-dilutive capital structures:
Founderpath supports integrations across its financing workflow, including:
Founderpath is primarily a capital provider rather than infrastructure for facilitating buyer-seller net terms transactions. Its current offerings extend beyond SaaS to other businesses with recurring or repeat revenue.
Resolve Pay combines non-recourse invoice financing with comprehensive accounts receivable automation specifically designed for B2B product companies. The platform serves manufacturers, distributors, and wholesalers with $1M+ in annual B2B revenue.
Non-Recourse Invoice Financing
Resolve Pay provides non-recourse invoice financing on eligible approved transactions, helping sellers reduce exposure to covered buyer credit defaults while improving access to cash:
AI-Powered Credit Decisioning
Resolve Pay's proprietary AI Credit Engine evaluates buyer creditworthiness with real-time decisions:
Comprehensive AR Automation
Resolve Pay reports up to a 90% reduction in AR and credit overhead through its integrated automation capabilities:
Agentic Collections
Resolve Pay's Agentic Collections uses multi-channel automated sequences:
The system automatically pauses when payments or disputes are received, maintaining a professional tone that preserves customer relationships.
Resolve Pay integrations include:
Most Resolve Pay implementations launch in under one week with two-way sync maintaining data consistency across systems. The 2025 BigCommerce Innovative Integration Award recognized Resolve Pay's embedded checkout capabilities for ecommerce platforms.
Resolve Pay serves:
Two distinct financing models address B2B working capital needs: invoice financing and revenue-based financing. Understanding how each works helps businesses select the approach best suited to their operational model.
Working capital loans provide one approach to short-term liquidity, while invoice financing connects funding more directly to receivables. The SBA loan programs illustrate how business lending can support working capital and other operating needs.
Invoice financing converts outstanding receivables into immediate cash. When a seller completes a transaction and generates an invoice, the financing provider advances a percentage of the invoice value within days rather than waiting for the customer's payment terms to expire.
Resolve Pay's approach: Finances individual customer invoices on a non-recourse basis for eligible approved transactions. Sellers offer Net 30, 60, or 90 terms to buyers while receiving advances within 1-2 business days. Implementation typically completes in under one week, with credit decisions delivered within 24 hours for new buyer applications.
TreviPay's approach: Provides credit and risk management within its enterprise B2B payment infrastructure, supporting buyer purchases through seller credit programs with guaranteed-payment capabilities.
Founderpath's approach: Offers revenue financing against current and future receivables, alongside term loans and merchant cash advances. Unlike Resolve Pay's buyer-specific net terms model, Founderpath primarily underwrites the funded business and its revenue performance.
Revenue-based financing advances capital against a company's future revenue stream, with the company retaining the repayment obligation. This model can suit businesses with predictable monthly recurring revenue.
Founderpath's approach: Advances capital against recurring or future revenue with repayment tied to business performance. Financing is based on the company's overall revenue stream rather than specific customer transactions.
Resolve Pay's approach: Finances eligible approved customer invoices rather than providing general revenue-based capital, with non-recourse protection against covered buyer defaults subject to applicable program terms. Available funding depends on approved transactions and underwriting.
TreviPay's approach: Focuses on facilitating buyer payments within seller trade credit programs rather than providing revenue-based financing to sellers.
Beyond financing, B2B payment infrastructure encompasses the systems and processes that enable trade credit, payment processing, and buyer management at scale.
Enterprise B2B commerce involves purchase orders, invoicing, net terms, credit limits, approval workflows, and multiple payment methods. The Federal Reserve Payments Study tracks the use of ACH, checks, cards, and other noncash payment methods across consumers and businesses.
TreviPay has built comprehensive infrastructure supporting:
Resolve Pay addresses similar needs for mid-market sellers through an integrated platform:
Founderpath is primarily a capital provider rather than infrastructure for facilitating buyer-seller net terms transactions.
B2B BNPL has emerged as the commercial equivalent of consumer buy-now-pay-later services. Rather than requiring immediate payment, sellers can offer buyers the flexibility to pay over 30, 60, or 90 days while still receiving funds earlier.
Resolve Pay functions as an integrated B2B BNPL solution:
TreviPay facilitates buyer payments within enterprise trade credit programs, enabling sellers to offer terms through its managed infrastructure.
Founderpath does not operate in the B2B payment or BNPL space.
For mid-market B2B sellers in manufacturing, distribution, and wholesale, Resolve Pay provides an aligned solution by combining non-recourse invoice financing, fast implementation, and comprehensive AR automation designed around B2B seller workflows.
Resolve Pay connects buyer credit, invoice financing, and receivables management within one platform:
Most implementations launch in under one week with seamless integration to existing ecommerce, ERP, and accounting systems. Financing scales automatically with transaction volume as sales increase, without requiring platform reconfiguration or additional negotiations.
Resolve Pay serves 15,000+ businesses with a combination of non-recourse financing, AI-powered credit decisioning, comprehensive AR automation, and agentic collections that addresses the core challenges of offering B2B net terms while maintaining healthy cash flow and minimized administrative burden.
Resolve Pay allows eligible B2B sellers to offer approved buyers net payment terms while receiving earlier access to cash through invoice advances. Its non-recourse structure on eligible approved financed invoices can also reduce exposure to covered buyer credit defaults, subject to applicable program terms. This approach helps sellers maintain competitive payment terms for buyers while addressing their own working capital needs.
Resolve Pay supports flexible B2B net terms, including Net 30, Net 45, Net 60, and Net 90 options depending on the program and approved buyer. This allows sellers to give customers additional time to pay without necessarily waiting through the full receivables cycle themselves, making it easier to compete for business while managing cash flow.
With non-recourse invoice financing, the provider assumes covered buyer-default risk on eligible approved transactions according to the program terms. Resolve Pay combines this financing structure with buyer underwriting, payments, and receivables workflows so sellers can extend credit while reducing exposure to qualifying customer defaults, helping protect their financial position.
Resolve Pay uses AI-powered underwriting to evaluate thousands of buyer data points, including financial and behavioral signals. Credit decisions can be delivered quickly, typically within 24 hours for new buyer applications. Resolve Pay states that its business credit checks do not affect the buyer's credit score, allowing sellers to offer terms without impacting buyer relationships.
Resolve Pay supports invoicing, payment reminders, reconciliation, collections workflows, credit management, and payment tracking within a connected accounts receivable platform. It also integrates with ecommerce, ERP, and accounting systems to reduce repetitive manual work and provide finance teams with a centralized view of receivables, helping streamline operations and reduce administrative overhead.
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.