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.
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.
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 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 offers several enterprise-focused features:
The platform serves Fortune 500 manufacturers and distributors requiring sophisticated trade credit management across international markets.
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 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 offers several financing products for B2B companies:
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 operates differently from net terms platforms. Key characteristics include:
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 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's integrated platform addresses the complete order-to-cash workflow:
The platform serves over 15,000 businesses including manufacturers, distributors, and wholesalers across HVAC, electrical, plumbing, industrial equipment, and medical supply industries.
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%.
The platforms differ significantly in how they structure financing and allocate credit risk. This impacts seller cash flow predictability, operational burden, and financial exposure.
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 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.
Time-to-value varies across these platforms, affecting how quickly businesses can improve cash flow and reduce AR burden.
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.
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.
The platforms differ significantly in how much AR operational burden they absorb versus leaving to merchant teams.
Resolve Pay provides comprehensive AR automation as part of the platform:
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 provides comprehensive managed services for enterprise clients:
These capabilities are delivered as part of TreviPay's managed enterprise order-to-cash 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:
This model works for businesses with existing AR infrastructure seeking only working capital financing.
Platform value depends partly on integration capabilities with existing business systems.
Resolve Pay offers native integrations across major e-commerce and accounting platforms:
E-commerce:
Accounting/ERP:
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 focuses on enterprise ERP connectivity:
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 provides more limited integration capabilities:
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.
Resolve Pay delivers optimal value for:
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.
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:
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.
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.
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.
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.
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.
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.