TreviPay vs InterNex Capital

Selecting the right B2B payment and financing solution determines whether your business grows with healthy cash flow or struggles with collection delays and credit risk exposure. While TreviPay serves global enterprises with managed trade credit programs and InterNex Capital provides traditional working capital lending for established businesses, Resolve Pay delivers net terms financing specifically designed for mid-market manufacturers, distributors, and wholesalers. Understanding these fundamental differences helps finance leaders choose the approach that matches their growth objectives, risk tolerance, and operational requirements.

Key Takeaways

• Resolve Pay provides non-recourse advances on eligible approved financed invoices, reducing seller exposure to covered buyer credit defaults, while InterNex Capital offers working-capital products including AR-secured lines of credit and invoice purchases
• TreviPay implementation timing varies by configuration, from less than a month for an out-of-the-box setup to six months or more for highly customized integrations, while Resolve Pay supports faster deployment through turnkey integrations and APIs
• InterNex Capital's current invoice-purchase product states that advances may cover 85% to 90% of invoice value, while Resolve Pay provides advances on eligible approved invoices under its net terms program
• TreviPay operates a large global B2B payments network across dozens of countries, while Resolve Pay focuses on manufacturers, distributors, wholesalers, and other B2B sellers seeking integrated net terms and AR automation
• Resolve Pay combines non-recourse financing on eligible approved invoices with AR automation and integrations designed for growing B2B sellers
• Resolve Pay uses AI-powered credit decisioning that can provide real-time results for qualified buyers, alongside agentic collections technology for automated follow-up

Understanding B2B Payment Solutions and Invoice Financing

The B2B payments landscape encompasses distinct solution categories serving different operational models and business needs. Enterprise trade credit platforms, traditional working capital lenders, and modern net terms providers each address cash flow challenges through fundamentally different approaches.

Trade credit platforms like TreviPay operate as comprehensive managed services for large enterprises. These platforms handle credit decisioning, invoice presentment, payment processing, and collections on behalf of sellers with complex global operations.

InterNex Capital takes a working-capital lending approach, offering products such as accounts-receivable-secured revolving credit and invoice purchases. Its line-of-credit product is tied to the borrower's receivables while allowing the business to maintain control of customer interactions.

Modern net terms platforms like Resolve Pay combine B2B buy now, pay later capabilities with comprehensive AR automation. Rather than simply lending against receivables, these platforms enable sellers to offer Net 30, 60, or 90 payment terms to business buyers while receiving immediate cash advances. The non-recourse model on eligible approved invoices helps reduce credit risk exposure for sellers.

Why Payment Terms Strategy Matters for B2B Growth

Net payment terms have become a competitive requirement in B2B commerce. Business buyers expect flexibility to pay invoices over 30 to 90 days, matching their own cash conversion cycles. Sellers who cannot offer terms lose deals to competitors who can.

The challenge lies in financing this gap. When a manufacturer ships $100,000 in products on Net 60 terms, that capital remains tied up for two months before payment arrives. For growing businesses, this creates working capital constraints that limit expansion.

TreviPay

TreviPay positions itself as a comprehensive B2B payments and trade credit platform serving large enterprises with complex global requirements. The company brings over 40 years of underwriting experience to credit decisioning and managed services.

TreviPay Core Capabilities

TreviPay offers several enterprise-focused features:

• Global infrastructure spanning dozens of countries with multi-currency support and international compliance capabilities
• Managed services handling credit, billing, and collections for hands-off enterprise operations
• Enterprise ERP integration with deep connections to SAP, Oracle, NetSuite, and Dynamics 365
• Non-recourse financing available for approved transactions
• Automated cash application using payment and remittance matching, with performance depending on the implementation and payment data

The platform serves Fortune 500 manufacturers and distributors requiring sophisticated trade credit management across international markets.

TreviPay Implementation Considerations

TreviPay implementation timing depends on system complexity and configuration needs. An out-of-the-box setup can take less than a month, while highly customized integrations can require six months or more.

TreviPay implementation requirements vary based on integration complexity, configuration needs, and the technical resources available to the client. For organizations processing high volumes across multiple countries, TreviPay's comprehensive approach can work for those enterprise requirements.

InterNex Capital

InterNex Capital operates as a working capital lender providing financing solutions to established U.S. businesses. The company reports providing more than $4 billion in funding and paying over one million invoices through its financing platform.

InterNex Capital Product Suite

InterNex offers several financing products for B2B companies:

• VelocityLOC revolving lines of credit backed by accounts receivable, with facilities up to $15 million
• Invoice purchase programs providing immediate cash for specific invoices
• Term loans for larger capital requirements
• Short-term advances for immediate working capital needs

The company targets U.S. B2B companies with $1 to 75 million in annual revenue. Their Velocity platform provides real-time AR analytics and working capital management dashboards.

InterNex Capital Financing Structure

InterNex operates differently from net terms platforms. Key characteristics include:

• AR-backed financing structures with repayment and risk allocation determined by the specific InterNex product and agreement
• Invoice-purchase advances generally covering 85% to 90% of approved invoice value, with the remaining amount potentially remitted after the invoice is paid
• Borrower-managed collections requiring internal AR staff or outsourced services to pursue payments
• Same-day funding availability for approved draws on revolving credit lines when funds are available
• Velocity platform for AR analytics and working capital monitoring

For businesses accustomed to revolving credit and other working-capital facilities, InterNex provides financing structures tied closely to accounts receivable. Resolve Pay takes a different approach by combining eligible non-recourse invoice advances with credit decisioning and AR workflows.

Resolve Pay: Modern Non-Recourse Net Terms for Mid-Market Growth

Resolve Pay represents a fundamentally different approach to B2B payment terms, combining non-recourse financing on eligible approved invoices with comprehensive AR automation. Spun out from Affirm and backed by $60 million in funding, the platform brings consumer BNPL expertise to B2B commerce.

Resolve Pay Core Platform

Resolve Pay's integrated platform addresses the complete order-to-cash workflow:

• Non-recourse net terms financing providing protection against covered buyer credit defaults on eligible approved financed invoices, subject to program terms
• AI-powered credit engine using thousands of buyer data points to generate real-time, scalable credit decisions, with timing depending on the buyer and review requirements
• Advances on approved invoices within 1 to 2 business days
• Agentic collections using multi-channel automation across email, SMS, and voice AI with intelligent escalation
• White-labeled buyer portal maintaining seller brand control throughout the payment experience
• Native integrations with Shopify, BigCommerce, Magento, WooCommerce, QuickBooks, Xero, Sage Intacct, and NetSuite

The platform serves over 15,000 businesses including manufacturers, distributors, and wholesalers across HVAC, electrical, plumbing, industrial equipment, and medical supply industries.

Resolve Pay Implementation and Accessibility

Unlike enterprise platforms requiring months of implementation, Resolve Pay launches in hours to days through turnkey integrations. E-commerce merchants can install plugins directly, while businesses using supported accounting systems benefit from automatic two-way sync.

Resolve Pay is designed to give growing B2B companies access to net terms financing, AR automation, and integrated payment workflows without requiring a lengthy enterprise deployment.

Rapid credit evaluations on existing customers complete within 24 hours, enabling fast migration. Archipelago Lighting reduced net terms approval time from 10 days to 24 hours after switching to Resolve Pay, while Trenchless Supply reduced AR workload by 90%.

Comparing Financing Models Across Platforms

The platforms differ significantly in how they structure financing and allocate credit risk. This impacts seller cash flow predictability, operational burden, and financial exposure.

How Resolve Pay's Non-Recourse Structure Works

With Resolve Pay's non-recourse model on eligible approved financed invoices, sellers are generally protected from repayment obligations arising solely from covered buyer defaults, subject to program terms. When an eligible approved financed invoice experiences a covered buyer credit default, Resolve Pay generally assumes the applicable credit loss rather than requiring seller repayment solely because of that default, subject to program terms and exclusions.

This protection helps reduce bad debt exposure that impacts most B2B businesses. TreviPay offers different risk-retention structures for approved programs, with implementation requirements varying by configuration.

InterNex Capital Working Capital Structures

InterNex Capital primarily provides working-capital products such as AR-secured revolving credit and invoice purchases. The exact repayment obligations, receivable treatment, and risk allocation depend on the product and financing agreement.

Working-capital loans and invoice-purchase arrangements can allocate repayment and credit risk differently depending on the financing agreement. Resolve Pay's eligible non-recourse advances are structured so sellers are generally protected from repayment obligations arising solely from a covered approved buyer default, subject to program terms.

Evaluating Speed: Implementation and Funding Timelines

Time-to-value varies across these platforms, affecting how quickly businesses can improve cash flow and reduce AR burden.

Implementation Speed Comparison

Resolve Pay: Hours to days for most implementations. Native e-commerce plugins install without developer resources. Accounting integrations enable automatic sync with existing workflows. Credit evaluations on existing customers complete within 24 hours.

TreviPay: Implementation timing varies substantially by configuration. An out-of-the-box setup can be completed in less than a month, while highly customized integrations may take six months or more.

InterNex Capital: Applicants can receive an initial proposal after submitting required information, followed by final underwriting and approval. Timing depends on the facility and completion of the requested documentation.

Funding Speed Comparison

Resolve Pay: Advances within 1 to 2 business days on approved invoices. The remaining balance releases when buyers complete payment.

TreviPay: Funding timing varies by program structure and transaction approval.

InterNex Capital: Its revolving line-of-credit product supports same-day funding for approved draws when funds are available.

For businesses seeking immediate cash flow improvement, implementation speed often matters more than marginal differences in funding timelines.

Automating Accounts Receivable: Comparing AR Capabilities

The platforms differ significantly in how much AR operational burden they absorb versus leaving to merchant teams.

Resolve Pay AR Automation

Resolve Pay provides comprehensive AR automation as part of the platform:

• Automated invoice generation synced from ERP and accounting systems
• Smart payment reconciliation using ML to match payments automatically
• Multi-channel agentic collections sequencing email, SMS, and AI-powered voice outreach
• Real-time AR dashboard showing DSO, aging, and portfolio health
• Automatic bookkeeping sync to QuickBooks, Xero, Sage Intacct, and NetSuite

The agentic collections system handles follow-up sequences with intelligent escalation based on buyer response and payment history. Customer results demonstrate the operational impact. Trenchless Supply reduced AR workload by 90%, freeing staff to focus on strategic activities.

TreviPay Managed Services

TreviPay provides comprehensive managed services for enterprise clients:

• Credit decisioning with automated approvals and manual review processes
• Invoice presentment through branded buyer portals
• Collections handling by TreviPay teams rather than merchant staff
• Cash application achieving 91% automation within 24 hours

These capabilities are delivered as part of TreviPay's managed enterprise order-to-cash model.

InterNex Capital Self-Service Model

InterNex Capital primarily provides working-capital financing supported by receivables analytics and financing-management tools, rather than a complete AR automation and agentic collections platform:

• Velocity platform offers AR analytics and working capital dashboards
• Collections remain borrower responsibility requiring internal staff or outsourced services
• Manual cash application processes required for payment matching

This model works for businesses with existing AR infrastructure seeking only working capital financing.

Integration Ecosystem: Connecting to Your Tech Stack

Platform value depends partly on integration capabilities with existing business systems.

Resolve Pay Integrations

Resolve Pay offers native integrations across major e-commerce and accounting platforms:

E-commerce:

• Shopify
• BigCommerce (2025 Innovative Integration Award winner)
• Magento 2
• WooCommerce

Accounting/ERP:

• QuickBooks Online
• Xero
• Sage Intacct
• Oracle NetSuite

API capabilities include REST API with webhooks and sandbox environment for custom integrations. Two-way sync ensures invoice and payment data flows automatically between systems.

TreviPay Integrations

TreviPay focuses on enterprise ERP connectivity:

• SAP
• Oracle
• NetSuite
• Dynamics 365
• Sage
• QuickBooks

The platform offers Financial Partner Gateway APIs enabling banks to offer TreviPay services to their clients. Enterprise-grade integrations support complex hierarchies and custom workflows.

InterNex Capital Integrations

InterNex provides more limited integration capabilities:

• Velocity platform for AR analytics and working capital management
• QuickBooks Online connectivity for basic accounting sync
• Bank statement integration for underwriting and monitoring

Why Resolve Pay Fits Growing B2B Sellers

TreviPay, InterNex Capital, and Resolve Pay represent different approaches to B2B payments and working capital. TreviPay centers on managed enterprise trade-credit programs, while InterNex Capital provides working-capital lending products. Resolve Pay brings net terms, credit decisioning, eligible non-recourse invoice advances, payments, AR automation, and collections into a connected platform designed around B2B sellers.

This structure is particularly relevant for manufacturers, distributors, wholesalers, and other growing B2B companies that want to offer customers flexible payment terms while improving cash-flow timing and reducing manual receivables work.

When Resolve Pay Delivers the Most Value

Resolve Pay delivers optimal value for:

• Mid-market growth companies seeking enterprise capabilities without enterprise complexity
• Risk-conscious businesses wanting protection against covered buyer defaults on eligible approved financed invoices
• Speed-focused organizations needing implementation in days rather than months
• E-commerce and omnichannel sellers leveraging native platform integrations
• Resource-constrained teams benefiting from automated AR management and collections

ConEquip achieved 30% year-over-year growth using Resolve Pay to offer terms they could not previously extend. Archipelago Lighting tripled revenue while reducing approval time from 10 days to 24 hours.

Conclusion

TreviPay, InterNex Capital, and Resolve Pay address different parts of the B2B payments and working-capital market. For manufacturers, distributors, wholesalers, and other growing B2B sellers that want to extend payment terms without building a separate credit and collections operation, Resolve Pay provides a particularly integrated approach.

Resolve Pay brings together several critical capabilities:

• Non-recourse financing on eligible approved invoices, reducing exposure to covered buyer credit defaults
• Real-time credit decisioning using AI-powered data analysis for qualified buyers
• Integrated payment workflows enabling competitive Net 30, 60, or 90 terms
• Automated AR management including agentic collections technology
• Native integrations with e-commerce, ERP, and accounting platforms

These capabilities work together to help B2B sellers improve cash-flow timing while maintaining competitive buyer payment terms. For growing businesses focused on scalable credit operations without the overhead of traditional enterprise platforms or the exposure of working-capital loans, Resolve Pay remains the central solution in this comparison.

Frequently Asked Questions

What Does Resolve Pay Combine in One B2B Payments Platform?

Resolve Pay combines credit decisioning, net terms, eligible non-recourse invoice advances, payments, accounts receivable automation, reconciliation, and collections workflows. This gives B2B sellers a connected way to manage the credit-to-cash process rather than treating financing and receivables as separate workflows.

How Does Non-Recourse Financing Help B2B Sellers?

Resolve Pay's non-recourse structure on eligible approved financed invoices generally protects sellers from repayment obligations arising solely from covered buyer credit defaults, subject to program terms. Resolve Pay also manages credit assessment, underwriting, and collections workflows to help sellers offer payment terms while maintaining more predictable cash flow.

Can Resolve Pay Integrate With Existing Accounting and E-Commerce Systems?

Yes. Resolve Pay supports integrations across ecommerce, ERP, and accounting systems, including Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and NetSuite. Integration capabilities vary by system and can include prebuilt connectors, automated syncing, and API-based workflows.

What Are the Benefits of Automating Accounts Receivable Processes?

AR automation reduces manual work, accelerates cash application, and improves collection effectiveness. Resolve Pay customers report workload reduction of up to 90%, freeing staff for strategic activities. Automated multi-channel collections through email, SMS, and voice AI maintain consistent follow-up without requiring dedicated AR headcount.

How Can B2B Sellers Reduce Bad Debt Exposure When Offering Payment Terms?

Resolve Pay helps B2B sellers reduce exposure to covered buyer credit defaults through non-recourse financing on eligible approved invoices, subject to program terms. Combined with credit decisioning, payment workflows, AR automation, and collections, this approach allows sellers to offer competitive payment terms while maintaining greater control over cash flow and receivables operations.

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.