Aug 21, 2026
When B2B companies evaluate their options for managing payment terms and financing, TreviPay and Kapitus often surface in conversations, but they serve fundamentally different purposes. TreviPay operates as an enterprise B2B payments platform, while Kapitus functions as a small business lender. Understanding these distinctions is critical for mid-market manufacturers, distributors, and wholesalers seeking to offer net terms to customers while maintaining healthy cash flow.
For growing B2B suppliers looking to combine the benefits of flexible payment terms with streamlined operations, Resolve Pay delivers a modern alternative. The platform integrates net terms financing, instant credit decisions, and comprehensive AR automation in a unified solution designed specifically for the mid-market B2B segment.
Key Takeaways
- Resolve Pay provides non-recourse financing on approved advanced invoices, helping sellers reduce exposure to buyer nonpayment while accelerating cash flow
- The platform's AI-powered credit engine can return qualifying credit decisions in seconds, enabling fast net terms offers during the sales process
- Growing B2B companies with $1M+ in annual B2B revenue can benefit from Resolve Pay's focused approach, with implementation designed for faster deployment
- Resolve Pay combines business credit checks, net terms financing, AR automation, and collections in a single platform
- TreviPay serves Fortune 500 companies with global payment infrastructure, while Kapitus provides business financing products to small businesses
- Kapitus's qualification criteria vary by financing product, with factors such as time in business, annual revenue, credit profile, and location considered
- Resolve Pay integrates with major ecommerce platforms and accounting systems, winning the 2025 BigCommerce Innovative Integration Award
Understanding Each Company's Core Positioning
TreviPay
TreviPay positions itself as an enterprise B2B payments network, founded in 1980 with over 40 years in the industry. The platform processes more than $8 billion in annual volume and supports global B2B payment programs across 30+ countries and currencies. TreviPay serves Fortune 500 companies and focuses on large-scale order-to-cash management, including underwriting, billing, and collections for enterprise clients with complex, multi-entity operations.
Kapitus
Kapitus operates in an entirely different space: small business lending. Since 2006, Kapitus has funded over $9 billion to more than 69,000 businesses through term loans, equipment financing, lines of credit, and SBA-backed products. This is a capital provider that gives loans to businesses rather than helping businesses manage payments from their customers.
Resolve Pay
Resolve Pay takes a fundamentally different approach, purpose-built for mid-market B2B suppliers. Resolve Pay originated from Affirm's B2B initiative and was spun out as a dedicated B2B payments company. Today, Resolve Pay combines net terms financing with AR automation in a single platform. With more than 15,000 businesses using the platform, Resolve Pay helps growing B2B companies offer competitive payment terms while accelerating cash flow and reducing approved-buyer credit risk.
The critical distinction: TreviPay builds enterprise payment infrastructure, Kapitus provides business loans, and Resolve Pay enables sellers to offer net terms while getting paid through invoice advances.
Service Offerings Show Distinct Strategic Focuses
TreviPay's Enterprise Services
TreviPay's comprehensive platform spans the entire B2B payment lifecycle for large organizations:
- Managed order-to-cash programs with guaranteed DSO
- Trade credit programs with enterprise underwriting
- Multi-channel payment acceptance (ecommerce, in-store, sales reps)
- Global payment processing across 30+ countries and currencies
- Integration with enterprise ERP systems including SAP and Microsoft Dynamics
- White-label billing and collections services
This approach serves Fortune 500 companies with complex, multi-national operations.
Kapitus's Lending Products
Kapitus offers traditional business financing products:
- Term loans from $10,000 to $5 million
- Equipment financing up to $500,000
- Revolving lines of credit
- SBA loans up to $5 million
- Revenue-based financing
- KapitusPLUS marketplace comparing multiple loan offers
These are loans to your business, not solutions for managing customer payments. If you need capital for inventory or expansion, Kapitus addresses that need. If you need to offer net terms to your customers, it serves a different purpose.
Resolve Pay's Unified Platform
Resolve Pay focuses on capabilities that directly drive growth for B2B sellers:
- Non-recourse net terms financing: Eligible approved invoices can receive advance payments, with advance amounts determined by Resolve Pay
- AI-powered credit engine: Qualifying buyer approvals analyzing thousands of data points can be returned in seconds
- Automated collections: Multi-channel sequences via email, SMS, and voice AI
- Payment portal: White-labeled buyer dashboard accepting ACH, wire, credit card, and check
- ERP and accounting integrations: Connections with QuickBooks Online, NetSuite, Xero, Sage Intacct, and supported ecommerce platforms, plus flexible API options
This specialization allows for deeper expertise in areas that matter most to growing B2B companies.
Commercial Models Reflect Different Use Cases
TreviPay structures enterprise payment programs according to each engagement, while Kapitus provides business financing products whose terms depend on the financing option and borrower qualifications.
Resolve Pay uses competitive pricing for its B2B payments, net terms, and AR automation platform. Its model is designed around helping sellers extend customer payment terms, accelerate eligible receivables, automate AR workflows, and reduce approved-buyer credit exposure without relying on a traditional business loan.
Target Customers Reveal Strategic Alignment
Who TreviPay Serves
TreviPay primarily targets enterprise organizations with specific characteristics:
- Fortune 500 companies with multi-national operations
- Organizations needing multi-country and multi-currency B2B payment support
- Companies with substantial buyer credit line needs
- Multi-channel businesses (ecommerce, in-store, sales reps, ERP integration)
- Organizations prepared for a managed enterprise implementation based on program requirements
- Companies with dedicated IT resources for complex integrations
Who Kapitus Serves
Kapitus focuses on small businesses needing capital:
- Established companies with operating history
- Eligibility requirements vary by financing product
- Factors can include operating history, annual revenue, credit profile, and location
- Businesses needing $5,000 to $5 million in funding
- Companies seeking equipment financing, working capital, or expansion capital
Kapitus serves businesses that need loans, not businesses that want to offer payment terms to their customers.
Who Resolve Pay Serves
Resolve Pay is purpose-built for mid-market B2B suppliers:
- Manufacturers, distributors, and wholesalers with $1M+ in annual B2B revenue
- Companies wanting to offer Net 30/60/90 terms without cash flow strain
- Businesses seeking to reduce approved-buyer credit risk
- Organizations needing streamlined implementation
- B2B ecommerce sellers on Shopify, BigCommerce, WooCommerce, or Magento
- Companies wanting one platform for credit, invoicing, advances, and collections
According to the U.S. Census Bureau, B2B e-commerce continues to grow, making integrated payment solutions increasingly valuable for mid-market suppliers.
Feature Comparison: What Matters for B2B Suppliers
When evaluating solutions for managing customer payment terms, the feature comparison between TreviPay and Resolve Pay becomes most relevant (Kapitus, as a lender, serves a different purpose):
Credit Risk Protection
- TreviPay: Offers guaranteed seller settlement through its managed payment programs
- Resolve Pay: Non-recourse protection applies to approved advanced invoices, so sellers keep the advance if the approved buyer defaults
Credit Decision Speed
- TreviPay: Uses AI-enhanced underwriting and credit decisioning
- Resolve Pay: AI-powered underwriting can return qualifying credit decisions in seconds
Funding Speed
- TreviPay: Settlement schedules depend on program configuration
- Resolve Pay: Eligible approved invoices can receive advance payments within 1-2 business days
Implementation Time
- TreviPay: Varies by project scope and integration requirements
- Resolve Pay: Designed for implementation in days for supported workflows
Geographic Focus
- TreviPay: Global payment capabilities across 30+ countries and currencies
- Resolve Pay: Focused on B2B merchants seeking integrated net terms, credit, payments, and AR automation
ERP Integrations
- TreviPay: Supports integrations across enterprise ERP and order-management environments
- Resolve Pay: QuickBooks Online, NetSuite, Xero, Sage Intacct, and flexible API integrations
Ecommerce Integrations
- TreviPay: Multiple platform capabilities
- Resolve Pay: Native Shopify, BigCommerce, Magento, WooCommerce (2025 BigCommerce Innovative Integration Award winner)
For mid-market B2B suppliers, Resolve Pay's features align with business needs: fast credit decisions, eligible advance payments, risk protection on approved advances, and rapid deployment.
Results Demonstrate the Value of Speed and Focus
TreviPay's Enterprise Results
TreviPay showcases results achieved with large enterprise clients:
- Processes more than $8 billion in annual volume
- Supports global B2B payment programs across 30+ countries
- Serves Fortune 500 brands
- Over 40 years of B2B payments experience
These metrics reflect enterprise-scale operations.
Resolve Pay's Mid-Market Impact
Resolve Pay delivers rapid, measurable results for growing B2B companies:
- SS&SI Dealer Network: Achieved 5x revenue growth
- ConEquip: 30% year-over-year growth in construction equipment sales
- Archipelago Lighting: Tripled revenue while reducing net terms approval from 10 days to 24 hours
- Elston Materials: Increased margins from 25% to 30%, a 5-point improvement
- Trenchless Supply: Reduced AR workload by 90% with credit approvals under 24 hours
Research from the Federal Reserve indicates that working capital management significantly impacts small and mid-sized business growth, making these operational improvements particularly valuable.
Why Resolve Pay Delivers Value for Growing B2B Companies
Mid-market B2B companies face unique challenges that make Resolve Pay a compelling choice:
Risk Reduction on Approved Advances
Resolve Pay's model provides non-recourse protection on approved advanced invoices. When buyers are approved, sellers keep the advance if those buyers default. This transforms how companies approach net terms from a risk to be managed to a competitive advantage to be leveraged.
Fast Credit Decisions
Resolve Pay's AI credit engine analyzes thousands of data points and can return qualifying decisions in seconds. At checkout, this enables rapid net terms offers that can help close sales.
Speed to Value
Resolve Pay is designed for implementation in days across supported workflows. For companies with immediate growth opportunities, faster implementation provides advantages.
Right-Sized Solution
TreviPay provides enterprise-scale global payment infrastructure, while Resolve Pay focuses on integrated net terms, credit decisioning, payments, and AR automation for growing B2B suppliers. Resolve Pay delivers what mid-market companies need: automated AR, fast credit decisions, eligible advance payments, and risk protection on approved advances.
Unified Platform
Kapitus provides loans but no payment infrastructure. TreviPay provides payment infrastructure for enterprises. Resolve Pay combines business credit checks, net terms financing, AR automation, and collections in a single platform, reducing the need for multiple vendors.
For growing B2B manufacturers, distributors, and wholesalers seeking to scale while improving cash flow and streamlining receivables, Resolve Pay represents a modern approach to B2B payment terms.
Frequently Asked Questions
What is the main difference between TreviPay, Kapitus, and Resolve Pay?
TreviPay is an enterprise B2B payments network serving Fortune 500 companies with global infrastructure. Kapitus is a small business lender providing term loans, equipment financing, and lines of credit to businesses needing capital. Resolve Pay is a mid-market B2B payment terms platform that enables suppliers to offer net terms while receiving advance payments and reducing credit risk through non-recourse financing on approved invoices.
Does Resolve Pay's non-recourse financing really eliminate seller risk on approved advances?
Yes. Resolve Pay's cash advances are non-recourse. When Resolve Pay advances an approved invoice, the seller keeps that advance if the approved buyer later fails to pay. Advance amounts vary based on the applicable program and invoice, and eligible advances can be deposited within 1-2 business days, while Resolve Pay handles collections.
How quickly can I implement each solution?
Implementation timelines vary by platform. TreviPay creates implementation plans based on each project's scope, including integration and program requirements. Kapitus loan applications vary by product and creditworthiness. Resolve Pay is designed for streamlined deployment with supported ecommerce, accounting, and ERP integrations, enabling implementation in days for supported workflows rather than extended timelines.
What minimum requirements exist for each solution?
TreviPay's enterprise programs are structured according to the scope and requirements of each engagement and are primarily designed for organizations needing managed B2B payment infrastructure. Kapitus's qualification requirements vary by financing product and can include criteria related to operating history, annual revenue, credit profile, and location. Resolve Pay serves growing B2B suppliers with $1M+ in annual B2B revenue, including manufacturers, distributors, and wholesalers that want to offer net terms while improving cash flow and streamlining receivables.
How Can Resolve Pay Improve Cash Flow Without Traditional Business Loans?
Resolve Pay helps eligible B2B sellers accelerate cash flow by advancing approved invoices while allowing qualified buyers to pay on net terms. The platform also combines credit decisioning, invoicing, payments, reconciliation, and collections workflows, helping businesses manage receivables through a unified B2B payments platform. This can reduce the need for separate working capital loans.
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.
