TreviPay vs Fundbox

When B2B sellers need to offer net terms financing while protecting cash flow, choosing the right payment solution becomes an important operational decision. TreviPay and Fundbox represent two different approaches: TreviPay provides managed B2B payments, trade credit, invoicing, and collections infrastructure, while Fundbox provides working capital financing directly to eligible small businesses. Resolve Pay offers another model for manufacturers, distributors, and wholesalers by combining buyer credit decisions, non-recourse invoice advances, accounts receivable automation, and embedded payment workflows in one platform.

Key Takeaways

• The platforms serve different financing needs: TreviPay manages enterprise B2B payment and trade credit programs, while Fundbox provides business financing directly to eligible borrowers.
• Fundbox is borrower-focused: Its revolving credit products give small businesses access to working capital that they repay according to the terms of each draw.
• TreviPay is transaction-focused: Its platform supports buyer onboarding, credit decisioning, invoicing, payment processing, and collections across complex B2B programs.
• Resolve Pay combines credit and receivables workflows: Sellers can offer approved buyers net terms while automating invoicing, payments, reconciliation, and collections.
• Non-recourse advances protect seller cash flow: Resolve Pay can advance funds on approved invoices while assuming qualifying buyer payment risk.
• Integrations support embedded B2B commerce: Resolve Pay connects with supported ecommerce, accounting, and ERP systems so sellers can manage online and offline transactions through consistent workflows.

Understanding TreviPay, Fundbox, and Resolve Pay

TreviPay, Fundbox, and Resolve Pay address working capital and B2B payment challenges from different directions.

TreviPay

TreviPay is a managed B2B payments and accounts receivable platform built for businesses operating complex commercial payment programs. Its services include buyer onboarding, credit and risk management, invoicing, payment processing, collections, and order-to-cash automation.

The company supports programs across multiple countries and currencies, making it relevant to enterprises that need localized invoicing, consolidated billing, purchasing controls, and managed receivables across different markets.

TreviPay generally serves merchants and manufacturers that want a provider to operate substantial portions of a trade credit or national accounts program. Its model is centered on the commercial transaction between the seller and the seller's buyers.

Fundbox

Fundbox is a small-business financing provider. Its primary offering is a revolving business line of credit that an approved company can draw from when it needs funds for expenses such as inventory, payroll, equipment, or operating costs.

Each Fundbox draw functions as an individual loan with defined repayment terms. The borrower repays the amount drawn, and available credit is replenished as payments are made.

This makes Fundbox a working capital resource for the borrowing business. It does not primarily function as a system for underwriting the borrower's customers, administering buyer credit lines, or operating the seller's complete accounts receivable process.

Resolve Pay

Resolve Pay is a B2B payments and net terms platform designed for merchants that want to extend payment terms to business buyers without waiting through the full invoice period to access cash.

The platform combines:

• Buyer credit assessment and underwriting
• Net terms and installment options
• Non-recourse advances on approved invoices
• Invoice and payment management
• Automated reminders and collections
• Payment reconciliation
• Branded buyer payment experiences
• Ecommerce, accounting, ERP, and API integrations

Resolve Pay was created from the B2B payments work developed at Affirm and focuses on manufacturers, distributors, wholesalers, and other B2B sellers. More than 15,000 businesses use Resolve Pay, according to the company's current product materials.

How Their Financing Models Differ

The most important distinction is who receives financing and which commercial risk the product addresses.

TreviPay's Trade Credit Model

TreviPay helps sellers operate B2B trade credit programs. It can support buyer onboarding, credit decisioning, purchasing controls, invoicing, payments, and collections.

In this model, the platform is integrated into the seller's order-to-cash process. The buyer receives approved purchasing power or payment terms, while the seller receives a managed infrastructure for handling commercial transactions.

This structure can suit enterprises with:

• Large buyer networks
• Multiple currencies or jurisdictions
• Complex invoicing requirements
• National accounts programs
• Consolidated billing needs
• High-volume order-to-cash operations

Fundbox's Business Credit Model

Fundbox extends credit to the business applying for financing. Once approved, the business can draw funds from its available line and use the capital for eligible business purposes.

The business remains responsible for repaying each draw under its agreed schedule. Customer payment delays do not generally remove the borrower's obligation to repay Fundbox.

This is similar to other revolving credit facilities described by the Small Business Administration, which businesses may use to support working capital, inventory, receivables, contracts, or operating expenses.

Fundbox can therefore help a small business manage its own liquidity, but the financing is not the same as offering a buyer a dedicated net terms program.

Resolve Pay's Non-Recourse Model

Resolve Pay underwrites the seller's business customers and can advance funds on approved invoices. The buyer retains the agreed payment period, while the seller receives earlier access to cash.

Resolve Pay's non-recourse financing means the seller keeps qualifying advance payments if an approved buyer later fails to pay, subject to the applicable agreement and transaction requirements.

This structure addresses two challenges at the same time:

1. The buyer wants additional time to pay.
2. The seller wants faster access to cash and protection from qualifying payment risk.

Resolve Pay can advance up to 90% of an approved invoice within 24 hours through its current net terms product, while other eligible programs may support advances of up to 100%. Advance amounts, payment terms, and buyer credit lines remain subject to underwriting and approval.

Comparing Credit Risk and Underwriting

Credit decisions affect whether a seller can safely approve an order, how much a buyer can purchase, and how quickly the transaction can move forward.

TreviPay Credit Decisions

TreviPay applies credit and risk management within the trade credit programs it operates. Its platform uses business data and third-party databases to evaluate buyers, support compliance checks, and establish purchasing limits.

Because TreviPay frequently supports enterprise programs, underwriting may be configured around the merchant's industry, geographic coverage, transaction volume, and buyer population.

Fundbox Credit Decisions

Fundbox evaluates the company requesting the line of credit. Eligibility may consider factors such as:

• Time in business
• Annual revenue
• Business bank account activity
• Personal or business credit information
• Overall ability to repay

The resulting credit decision determines how much the applicant may borrow. It does not establish payment terms for each of the applicant's customers.

Resolve Pay Credit Decisions

Resolve Pay's business credit checks evaluate the seller's buyers. Its underwriting process combines AI models, behavioral signals, business information, payment history, cash flow indicators, and human credit expertise.

Depending on the workflow, Resolve Pay can provide real-time decisions at checkout or conduct a more detailed assessment using the buyer's business name and address.

Resolve Pay's Smart Credit Engine supports:

• Real-time buyer underwriting
• Dynamic credit lines
• Quiet prequalification workflows
• Credit decisions embedded at checkout
• Ongoing portfolio and credit-line visibility
• Approval rules tailored to B2B transactions

This allows the seller to evaluate purchasing power at the point where it matters: before approving an order or extending payment terms.

Accounts Receivable and Collections Capabilities

The platforms also differ in how much of the receivables workflow they manage.

TreviPay Accounts Receivable Services

TreviPay provides managed accounts receivable capabilities that can include:

• Invoice generation and delivery
• Consolidated billing
• Payment acceptance
• Cash application
• Collections
• Credit program administration
• Order-to-cash reporting

These services are designed for companies that want a provider to manage a substantial B2B payment program across buyers, channels, and regions.

Fundbox Working Capital Workflows

Fundbox focuses on providing financing to the business rather than operating its complete accounts receivable function.

A business may use Fundbox capital while waiting for customers to pay, but the business continues to manage its own:

• Customer underwriting
• Invoice generation
• Payment reminders
• Collections
• Cash application
• Reconciliation
• Customer disputes

Fundbox and Resolve Pay can therefore address cash flow in different ways. Fundbox gives the business borrowed capital, while Resolve Pay connects funding to approved buyer invoices and the seller's net terms workflow.

Resolve Pay AR Automation

Resolve Pay's accounts receivable platform automates credit, invoicing, payments, reconciliation, reminders, and collections.

Its capabilities include:

• Automated invoice synchronization
• Machine learning-based invoice-to-cash matching
• AI-powered payment reminders
• Collections workflow automation
• Branded payment portals
• Real-time receivables visibility
• Support for net terms, COD, and due-upon-receipt invoices
• Transaction syncing with supported accounting systems

Buyers can pay through ACH, wire transfer, credit card, or check. Resolve Pay can then reconcile payment activity with the related invoice and connected accounting records.

Better receivables visibility can also support working capital management. McKinsey notes that improving processes across receivables and inventory can strengthen cash discipline and operating resilience.

Payment Terms and Buyer Experience

A financing product should also be evaluated based on the experience it creates for the seller's customers.

TreviPay Buyer Experience

TreviPay supports pay-by-invoice programs that can include approved credit lines, purchasing controls, localized invoicing, consolidated statements, and payment options.

The buyer experience may be configured around the merchant's sales channels, customer agreements, and enterprise purchasing processes.

Fundbox Borrower Experience

The primary Fundbox user is the business borrowing funds. The company's buyers do not generally apply for Fundbox payment terms through the seller's checkout.

Fundbox therefore supports the borrower's working capital position rather than serving as the buyer-facing payment method for each B2B sale.

Resolve Pay Buyer Experience

Resolve Pay can provide a white-labeled ex

perience through a branded payment portal or ecommerce net terms checkout.

Approved buyers may receive Net 15, Net 30, Net 60, Net 90, custom terms, or installment options depending on the program and underwriting decision.

Resolve Pay helps preserve the seller's customer relationship by allowing the buyer to:

• Apply for purchasing power within the sales journey
• Receive a credit decision without a lengthy paper process
• View invoices through a branded portal
• Select supported payment methods
• Retain agreed payment terms while the seller receives funds earlier

This embedded experience can be used across ecommerce, sales-assisted, field-sales, marketplace, and traditional invoicing channels.

Integration With Ecommerce, Accounting, and ERP Systems

Integration depth determines whether a payment platform reduces manual work or creates another disconnected workflow.

TreviPay Integrations

TreviPay supports integrations for enterprise payment programs, ERPs, ecommerce environments, dealer networks, and procurement workflows.

Implementation requirements depend on the scale and complexity of the program, including currencies, invoicing formats, buyer controls, data mapping, and regional requirements.

Fundbox Integrations

Fundbox can connect with supported business systems to review financial information and simplify financing workflows. Its integrations are primarily intended to support the application, underwriting, and servicing of the business's credit facility.

Resolve Pay Integrations

Resolve Pay's integration platform connects credit, invoicing, payment, reconciliation, and collections workflows with supported business systems.

Available connections include:

• QuickBooks Online
• Xero
• Oracle NetSuite
• Sage Intacct
• Shopify
• BigCommerce
• Magento
• WooCommerce

Resolve Pay also provides APIs, webhooks, and ecommerce checkout extensions for custom implementations. Its B2B payments platform can support ecommerce transactions, traditional invoices, marketplace purchases, and hybrid sales models within the same credit-to-cash infrastructure.

The broader shift toward electronic payment workflows is reflected in the Federal Reserve Payments Study, which tracks continuing changes across ACH, card, check, wire, and alternative payment activity.

Why Resolve Pay Fits Growing B2B Sellers

Manufacturers, distributors, wholesalers, and other B2B merchants often need more than a standalone loan or a payment processor. They need a coordinated system for deciding which buyers qualify for terms, issuing invoices, collecting payments, reconciling transactions, and protecting working capital.

Resolve Pay brings these functions together through net terms management:

• AI-supported buyer credit decisions
• Non-recourse advances on approved invoices
• Flexible buyer payment terms
• Automated invoicing and reminders
• Professional collections workflows
• Branded payment experiences
• Ecommerce and ERP integrations
• Centralized AR and credit visibility

For growing B2B sellers, this model connects financing directly to the customer transaction rather than adding a separate borrowing obligation to the seller's balance sheet. It allows approved buyers to retain the payment flexibility they expect while helping the merchant access cash sooner and manage receivables with less manual work.

Frequently Asked Questions

What Is the Main Difference Between TreviPay and Fundbox?

TreviPay operates managed B2B trade credit and payment programs for sellers, including buyer onboarding, credit, invoicing, payments, and collections. Fundbox provides working capital financing directly to eligible businesses. TreviPay is centered on the seller-buyer transaction, while Fundbox is centered on the borrowing business.

Is Fundbox the Same as Invoice Factoring?

No. Fundbox primarily provides business lines of credit and other lending products. A business may use the funds while waiting for invoices to be paid, but its obligation to repay Fundbox is based on the financing agreement rather than whether a specific customer pays an invoice.

How Does Resolve Pay's Non-Recourse Financing Work?

Resolve Pay can advance funds on qualifying invoices issued to approved buyers. The buyer pays according to the agreed terms, while the seller receives funds earlier. Under the applicable non-recourse structure, Resolve Pay assumes qualifying buyer payment risk, subject to the agreement, buyer approval, and transaction requirements.

Can Resolve Pay Automate Accounts Receivable?

Yes. Resolve Pay supports invoice synchronization, payment reminders, collections workflows, payment acceptance, machine learning-based reconciliation, accounting synchronization, and receivables reporting through its AR automation platform.

Which Resolve Pay Integrations Are Available?

Resolve Pay supports integrations with systems including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. APIs and webhooks are also available for custom ecommerce, ERP, and payment workflows.

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.