When manufacturers, wholesalers, and distributors want to improve cash flow while offering flexible payment terms, the right solution depends on more than funding speed. TreviPay provides enterprise-oriented B2B payments and invoicing infrastructure, while FundThrough focuses on turning selected unpaid invoices into working capital through invoice factoring. Resolve Pay takes a broader approach by combining net terms financing, buyer credit decisions, invoice advancement, payments, reconciliation, and accounts receivable automation in one platform built for B2B suppliers.
TreviPay, FundThrough, and Resolve Pay address related cash flow and payment challenges, but they operate through different service models.
TreviPay provides B2B payments, trade credit, invoicing, and managed order-to-cash services for enterprise sellers. Its infrastructure supports omnichannel transactions, international payment programs, buyer underwriting, billing, collections, and localized invoicing.
FundThrough provides invoice factoring for businesses in the United States and Canada. Its service allows companies to select eligible outstanding invoices and receive funds before the customer’s original payment date.
Resolve Pay combines B2B payments, net terms, business credit checks, invoice advancement, payment processing, reconciliation, and collections automation. Instead of addressing only an individual invoice or payment channel, Resolve Pay is designed to support the broader credit-to-cash workflow.
This distinction matters because working capital is closely connected to receivables management. The Small Business Administration recognizes invoice and accounts receivable financing as methods businesses can use to release cash tied up in unpaid invoices. However, suppliers that regularly offer payment terms may also need tools for credit evaluation, invoicing, collections, and accounting synchronization.
TreviPay operates a fully managed B2B payments and invoicing platform oriented toward enterprise sellers. Its services support companies that need structured trade credit programs across sales channels, currencies, countries, and business units.
TreviPay underwrites business buyers, extends trade credit, and pays participating sellers upfront under the terms of the applicable merchant program. Buyers then receive invoices and repay TreviPay according to their approved payment terms.
Its service model can include:
TreviPay also supports localized invoicing and payment services across a network of more than 30 countries. This model aligns with large organizations that require a managed payment program spanning multiple markets or complex organizational structures.
TreviPay is positioned primarily for enterprise businesses seeking managed B2B payments, invoicing, trade credit, and order-to-cash support. Its infrastructure may be relevant to multinational manufacturers, retailers, and other large organizations with cross-border payment requirements.
The platform is not simply a traditional factoring provider. It operates a managed trade credit model in which approved buyers receive credit directly through the payment program.
FundThrough focuses on invoice factoring and invoice financing for businesses in the United States and Canada. Its primary purpose is to help companies access cash tied up in unpaid customer invoices.
Invoice factoring allows a business to transfer an eligible unpaid invoice to a factoring provider in exchange for earlier access to the invoice value. The customer generally pays the factoring provider when the invoice becomes due.
This model can be useful when a business has completed work or delivered goods but must wait through extended customer payment terms. FundThrough allows businesses to choose which eligible invoices they want to fund rather than requiring every receivable to be included.
A business connects its accounting platform or submits eligible invoices for review. FundThrough evaluates the invoice and the customer responsible for payment. When the invoice is approved and funded, the customer pays FundThrough according to the payment instructions associated with the transaction.
Key elements of the model include:
FundThrough states that qualifying invoices can be funded within a day in some circumstances. Actual timing depends on approval, verification, documentation, and the specific transaction.
Spot factoring can support businesses with occasional working capital gaps, large customer invoices, or mismatches between operating expenses and customer payment schedules.
For example, a staffing company may need to make payroll before a corporate customer pays its invoice. A supplier may need funds for materials before an existing receivable reaches its due date. Selective invoice funding can address these transaction-specific cash flow needs without changing the company’s full accounts receivable system.
Resolve Pay is designed for B2B sellers that want to offer flexible terms while keeping credit, payments, and receivables workflows connected. Its platform supports merchants, manufacturers, wholesalers, distributors, and other suppliers that regularly sell through invoices.
Resolve Pay combines capabilities that businesses often manage through separate systems:
This structure allows a supplier to manage the buyer experience from credit review through final payment without manually transferring information among disconnected credit, financing, invoicing, and collections tools.
Resolve Pay’s accounts receivable platform can also manage invoices with different structures, including net terms, cash on delivery, and due-upon-receipt transactions. This is valuable for suppliers that serve buyers with different payment arrangements.
Resolve Pay offers non-recourse advances on approved invoices. Under this model, the seller receives an approved advance and keeps those funds if the eligible buyer later fails to pay, subject to the applicable agreement and transaction requirements.
This differs from financing arrangements in which the seller may remain responsible for repurchasing or replacing an unpaid invoice. Resolve Pay manages buyer credit assessment, approval, payment servicing, and collections for qualifying transactions.
The result is a payment structure that helps sellers offer terms without assuming the full credit exposure internally. It can also make cash flow more predictable because the seller does not have to wait until the end of the buyer’s payment period to access approved funds.
Resolve Pay supports common B2B payment structures, including Net 30, Net 60, Net 90, and customized terms based on buyer approval and program configuration.
Buyers can receive time to pay while sellers maintain earlier access to working capital. This separation between buyer payment timing and seller cash flow can help suppliers support larger purchases, repeat orders, and stronger commercial relationships without managing the entire credit process themselves.
Extending trade credit requires more than checking whether a company exists. Suppliers must evaluate payment capacity, business stability, transaction history, and the risk associated with each credit line.
Resolve Pay’s credit assessment tools combine business data, behavioral signals, and human credit expertise. Quiet pre-approval workflows can begin with basic company information, reducing the need for lengthy buyer applications during initial screening.
Credit decisions remain subject to buyer verification and Resolve Pay’s underwriting criteria. Credit line amounts are not guaranteed, and approvals may vary according to the buyer, transaction, and available information.
For suppliers, this approach can reduce the manual work associated with:
Resolve Pay can also support dynamic credit decisions as buyer information and payment history develop.
Payment terms create an asset on the seller’s balance sheet, but they also create exposure to late payment and default. The Federal Reserve Payments Study tracks the continued use and evolution of checks, ACH transfers, cards, and other payment methods across the United States. As payment channels become more digital, suppliers still need reliable credit policies and receivables controls behind the transaction.
Resolve Pay connects credit approval with invoice advancement, payment collection, and receivables monitoring. This gives finance teams a more consistent view of the buyer relationship throughout the payment lifecycle.
Funding an invoice solves only one part of the receivables process. Finance teams must still issue invoices, track due dates, apply payments, follow up on overdue balances, and reconcile transactions with accounting records.
Resolve Pay’s AR automation supports:
Buyers can use the branded portal to review invoices and submit payments through supported methods. This maintains the seller’s customer relationship while giving buyers a centralized payment experience.
Resolve Pay also uses AI-supported bookkeeping and reconciliation workflows to connect transactions with their corresponding invoices. Finance teams can focus on exceptions instead of manually matching every payment.
Resolve Pay’s agentic collections tools automate routine payment reminders and follow-up sequences. The system can manage recurring outreach while allowing finance teams to focus on accounts that require judgment or direct intervention.
Consistent communication is important in B2B collections because the goal is not only to recover payment. Suppliers must also preserve long-term buyer relationships. Automated workflows help standardize outreach without requiring staff members to track every invoice manually.
B2B payment tools create more value when they fit the systems a company already uses.
Resolve Pay supports ecommerce workflows for platforms such as Shopify, BigCommerce, Magento, and WooCommerce. Through embedded checkout options, approved buyers can apply for or select net terms as part of the purchasing process.
This allows sellers to offer payment flexibility through digital channels without forcing buyers into a completely separate purchasing experience.
The continued growth of digital commerce reinforces the importance of connected payment experiences. The U.S. Census Bureau reported that ecommerce represented 16.9% of retail sales during the first quarter of 2026. Although retail data is not a direct measure of B2B ecommerce, it illustrates the broader shift toward digital purchasing channels.
Resolve Pay’s integration capabilities include connections for systems such as:
Available functionality depends on the system and implementation. Resolve Pay can synchronize customer, invoice, payment, and reconciliation information to reduce duplicate data entry.
For NetSuite users, the ERP integration workflow supports connections between Resolve Pay and existing financial operations. Businesses should review their specific data, customization, and process requirements during implementation.
Suppliers commonly use working capital to purchase inventory, cover payroll, accept larger orders, and manage seasonal demand. The SBA’s SBA working capital program recognizes accounts receivable and inventory as assets that businesses may use to support financing.
Resolve Pay approaches working capital through the seller’s customer payment process. Approved sellers can receive an advance while the buyer retains its assigned payment terms.
This can help a business:
Resolve Pay states that sellers can receive up to 90% of approved invoice value within 24 hours, while some programs may support different advance structures. Actual advance amounts and timing depend on approval, verification, invoice eligibility, and program terms.
Resolve Pay customer stories show how integrated net terms and receivables workflows can support business growth.
Security products distributor SS&SI reported fivefold revenue growth after using Resolve Pay to support larger customer accounts with net terms.
Archipelago reported that it tripled revenue while using Resolve Pay to offer larger credit lines and reduce lost orders.
These examples are individual customer outcomes rather than guaranteed results. They show how payment terms, buyer credit capacity, and faster seller cash flow can work together when aligned with a company’s broader sales and operating strategy.
TreviPay, FundThrough, and Resolve Pay address different operational requirements. TreviPay is structured around managed enterprise B2B payment programs. FundThrough focuses on accessing cash from selected outstanding invoices. Resolve Pay brings net terms, credit decisioning, invoice advancement, payments, reconciliation, and collections into one supplier-focused platform.
Resolve Pay is especially relevant when a business:
Resolve Pay generally serves businesses with at least $1 million in annual B2B revenue, subject to eligibility and program approval.
For manufacturers, wholesalers, distributors, and merchants that need more than occasional invoice funding, Resolve Pay provides a connected approach to B2B credit and payments. The platform brings together buyer underwriting, net terms, approved non-recourse advances, invoicing, payment collection, reconciliation, and automated collections.
This integrated model allows sellers to give qualified buyers more time to pay while protecting cash flow and reducing the administrative burden of managing receivables. With embedded checkout options, a branded payment portal, and connections to major ecommerce, accounting, and ERP systems, Resolve Pay can support the full payment lifecycle without separating financing from the customer experience.
For growing B2B suppliers, Resolve Pay offers a practical foundation for expanding payment flexibility, managing credit risk, and scaling accounts receivable operations through one platform.
Resolve Pay is an AI-powered B2B payments and accounts receivable platform for merchants, manufacturers, wholesalers, distributors, and other B2B sellers. It combines buyer credit checks, net terms, approved invoice advances, payment processing, reconciliation, and collections automation.
Resolve Pay may advance funds on approved invoices and assume the eligible buyer credit risk associated with those transactions. If a qualifying buyer later defaults, the seller keeps the approved advance, subject to the applicable agreement, invoice validity, and program requirements.
Resolve Pay can support Net 30, Net 60, Net 90, and customized payment terms. Available terms and credit limits depend on buyer underwriting, verification, transaction eligibility, and the seller’s program configuration.
Resolve Pay supports integrations with platforms including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. API-based integrations may also be available for customized ecommerce and financial workflows.
No. Resolve Pay combines invoice advancement with business credit checks, net terms, invoicing, payment processing, reconciliation, branded buyer portals, and collections automation. It is designed to support the broader B2B credit-to-cash process rather than only funding individual invoices.
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.