TreviPay vs Mulligan Funding

Selecting the right financial solution for your B2B operations can determine whether your business thrives or struggles with cash flow constraints. While TreviPay delivers enterprise-grade global payment infrastructure and Mulligan Funding provides working capital financing, Resolve Pay offers non-recourse net terms that advances cash to sellers while extending payment flexibility to buyers. Understanding these fundamental differences helps mid-market manufacturers, wholesalers, and distributors select the approach that matches their growth objectives, risk tolerance, and operational needs.

When B2B suppliers evaluate financing options, the choice between enterprise payment infrastructure, working capital loans, and integrated net terms platforms becomes critical. Three distinct approaches represent fundamentally different philosophies toward business financing. TreviPay operates as an enterprise B2B payments network with global reach. Mulligan Funding functions as a business financing provider offering working capital solutions. Resolve Pay takes a different approach, delivering non-recourse net terms financing that lets sellers offer Net 30/60/90 terms to buyers while receiving immediate cash and reducing credit risk exposure.

Key Takeaways

• Resolve Pay delivers non-recourse protection on eligible approved invoices, helping sellers reduce exposure to buyer nonpayment, while TreviPay's protection depends on program structure and Mulligan Funding provides business loans that require repayment according to loan terms
• Resolve Pay advances up to 100% of invoice value within 1-2 business days, compared to TreviPay's enterprise payment programs and Mulligan Funding's lump-sum loan model that operates independently of customer payment terms
• Implementation varies by solution and integration scope, with Resolve Pay providing pre-built ecommerce, accounting, and ERP integrations designed to streamline deployment
• Resolve Pay integrates natively with Shopify, BigCommerce, WooCommerce, QuickBooks, and NetSuite, while TreviPay supports enterprise ERP connections and Mulligan Funding follows a loan application process
• Over 15,000 businesses actively use Resolve Pay, which combines credit decisioning, net terms financing, AR automation, and collections in a single platform
• Resolve Pay is designed for B2B sellers, including manufacturers, wholesalers, and distributors, with eligibility starting at $1M+ in annual B2B revenue

Understanding the Landscape: B2B Payment Platforms vs Working Capital Lenders

The B2B financing market includes payment platforms, trade-credit solutions, and business lending products that address different operational needs. The Federal Reserve Payments Study tracks major noncash payment methods used by U.S. consumers and businesses, including ACH, checks, and cards. Understanding how payment and financing models differ helps finance leaders select tools aligned with their receivables and cash-flow requirements.

Enterprise B2B payment platforms such as TreviPay are designed for sellers managing sophisticated payment, invoicing, credit, and order-to-cash requirements across markets and channels. These platforms provide global payment infrastructure, ERP integration capabilities, multi-currency support, and dedicated account management. The value proposition centers on enabling scale across international markets.

Working capital lenders like Mulligan Funding represent business financing providers that offer funding for operational expenses such as payroll, inventory, and equipment. These loans provide capital for general business purposes rather than specifically addressing customer payment terms.

Integrated net terms platforms like Resolve Pay represent a different approach entirely. Rather than managing complex global infrastructure or providing general working capital, Resolve Pay enables sellers to offer competitive payment terms to buyers while receiving advances on those invoices. The platform combines credit underwriting, invoice financing, AR automation, and collections in one solution, reducing the need for multiple vendors while helping sellers manage buyer credit risk.

How Net Terms Financing Differs from Working Capital Loans

The spectrum of B2B financing options spans from general business loans to customer-specific invoice financing, with distinct implications for cash flow, risk, and growth.

Working capital loans provide business financing that must be repaid according to the applicable loan terms. The SBA describes working capital as one of the eligible uses of business loan proceeds within its 7(a) program. When a company borrows funds, they receive capital and must make repayments according to the loan agreement. The loan amount, repayment schedule, and structure remain fixed based on the loan terms. These loans help with operational needs but create ongoing payment obligations.

Net terms financing through Resolve Pay operates differently. When a seller offers Net 30/60/90 terms to a buyer, Resolve Pay advances up to 100% of the invoice value within 1-2 business days. The seller receives cash immediately while the buyer pays on agreed terms. Crucially, Resolve Pay's non-recourse model helps sellers reduce exposure to buyer nonpayment on eligible approved invoices. The credit assessment and collection responsibility transfers to Resolve Pay rather than staying entirely with the merchant.

This distinction matters because:

• Cash flow timing: Net terms financing converts customer receivables to immediate cash, while working capital loans create separate payment obligations
• Risk profile: Resolve Pay provides non-recourse protection on eligible approved invoices, while business loans remain the merchant's responsibility according to loan terms
• Customer relationships: Net terms financing enables sellers to offer competitive payment options that win business, while working capital loans serve internal operational needs
• Financing structure: Net terms financing is tied to eligible customer invoices, while working capital loans create a separate repayment obligation for the borrowing business

TreviPay sits between these models, offering net terms capabilities at enterprise scale with program structures that vary based on the seller's systems and payment workflows.

Resolve Pay

Resolve Pay's Approach to B2B Net Terms Financing

Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving immediate cash and reducing credit risk exposure. Rather than creating debt obligations like working capital loans, Resolve Pay transforms customer receivables into working capital through non-recourse invoice advances.

The platform runs continuously across multiple channels, with native integrations for:

• Shopify, BigCommerce, WooCommerce, and Magento for ecommerce
• QuickBooks, NetSuite, and Sage Intacct for accounting
• REST API with webhooks for custom integrations

Sellers can offer Net 15, 30, 60, or 90 terms to approved buyers while receiving advances within 1-2 business days. The AI-powered credit engine evaluates buyer creditworthiness using thousands of data points, delivering credit decisions in under 24 hours.

Key Features

The AR automation capabilities distinguish Resolve Pay's integrated approach:

• Automated invoice generation synced from ERP/accounting systems
• Smart payment reconciliation using ML to match invoice-to-cash automatically
• Real-time AR dashboard showing DSO, aging, and portfolio health
• Automated bookkeeping sync to major accounting platforms
• Customer testimonials indicate workload reduction of at least 90% for AR teams

Agentic Collections adds intelligent, multi-channel follow-up sequences with automated escalation based on buyer response patterns. The system pauses automatically when payments or disputes arrive and logs all interactions to invoice records. This preserves customer relationships through professional, friendly communication.

Resolve Pay supports integrated credit, invoicing, payment, reconciliation, and collections workflows for B2B sellers. The bi-directional integrations sync with existing accounting systems, pulling invoice data while writing back payment information and reconciliation details.

When Resolve Pay Works Well

Resolve Pay serves mid-market B2B suppliers needing non-recourse protection on eligible approved invoices, rapid implementation, integrated AR automation, or the ability to offer competitive net terms without cash flow strain. The platform works particularly well for:

• Manufacturers and wholesalers with $1M+ in annual B2B revenue
• Companies wanting to offer Net 30/60/90 terms to business buyers
• Sellers seeking non-recourse protection on eligible approved invoice advances
• Teams needing to reduce manual AR workload significantly
• Businesses requiring streamlined implementation

TreviPay

TreviPay's Enterprise Payment Network

TreviPay positions itself as an enterprise B2B payments network with over 40 years of experience and global transaction volume exceeding $8 billion. The platform serves enterprise sellers with global B2B payments, AR automation, credit management, invoicing, funding options, and integrations.

The platform provides:

• Global reach: Operations in 30+ countries with multi-currency support
• Enterprise ERP integration: Connections with SAP, Oracle, Microsoft Dynamics, and custom systems
• Managed services: Underwriting, collections, and support teams
• EDI capabilities: XML, cXML, EDI, and RPA integration support

Program Structure

TreviPay supports enterprise sellers with global B2B payments, AR automation, credit management, invoicing, funding options, and integrations. Program structure and implementation requirements vary based on the seller's systems and payment workflows.

TreviPay's funded model provides guaranteed settlement and DSO protection, similar to Resolve Pay's non-recourse approach. However, program-specific arrangements determine protection levels for each enterprise deployment.

TreviPay's implementation requirements vary by program and integration scope, with support for ERP-connected and embedded payment workflows including:

• ERP mapping for enterprise systems
• IT resources for integration development
• Training for managed service model
• Custom program arrangements

TreviPay serves businesses that need sophisticated global B2B payment and AR infrastructure. Resolve Pay focuses on giving growing B2B sellers an integrated path to net terms, non-recourse advances, credit management, payments, AR automation, and collections.

Mulligan Funding

Mulligan Funding's Working Capital Approach

Mulligan Funding operates as a business financing provider offering working capital loans and business term loans. Founded in 2008, the company provides capital that businesses can use for operational needs such as payroll, inventory, equipment, expansion, or other business purposes.

The platform offers:

• Application and funding: Approval may occur within a few hours, with funding potentially available as soon as the same business day, subject to underwriting and verification
• Flexible use: Funds can be used for various business purposes
• Approval factors: Credit is evaluated along with other business factors
• Unsecured options: Some financing options do not require collateral

How It Differs from Net Terms Financing

Mulligan Funding's model differs fundamentally from net terms financing in several ways:

• Structure: Provides business loans rather than invoice-based financing
• Purpose: Serves general operational needs rather than customer payment terms
• Repayment: Daily, weekly, or bi-weekly repayment schedules according to loan terms
• Integration: Follows loan application process rather than platform integration
• Terms: 3-24 month financing periods with structured repayments

For businesses needing operational capital for general business purposes, Mulligan Funding provides access to funds. For companies wanting to offer competitive net terms while improving cash flow through customer receivables, Resolve Pay delivers a different value proposition tied directly to buyer invoices.

Credit Risk and Protection: Comparing All Three Approaches

Understanding who bears credit risk reveals important differences between these three solutions.

Resolve Pay's Non-Recourse Model

When Resolve Pay advances funds on an eligible approved invoice, the seller receives non-recourse protection on those approved advances. The non-recourse protection means:

• Non-recourse protection on eligible approved invoice advances
• Resolve Pay manages credit assessment and underwriting
• Sellers can extend terms with reduced balance sheet exposure
• Protection helps enable growth while managing credit risk

TreviPay's Program-Dependent Model

TreviPay's credit risk allocation depends on the specific program structure:

• Funded model provides guaranteed settlement
• Program-specific arrangements determine protection levels
• Custom structures negotiated per enterprise program
• Details vary based on contract terms

Mulligan Funding's Loan Model

Mulligan Funding provides business loans rather than invoice financing, meaning:

• Borrowers repay according to applicable loan terms
• Loans serve general business purposes
• Repayment continues according to the loan agreement
• Capital is not tied to customer receivables management

For mid-market companies concerned about customer credit exposure, Resolve Pay's non-recourse terms on eligible approved invoices provide clarity that business loans do not address and that enterprise platforms structure on a program-by-program basis.

Implementation and Integration: Speed to Value Comparison

The path from decision to operational use varies across these three solutions.

Resolve Pay Implementation

Resolve Pay launches through:

• Pre-built integrations with Shopify, BigCommerce, WooCommerce, and Magento
• Native connections to QuickBooks, NetSuite, Sage Intacct, and Xero
• REST API with webhooks and sandbox for custom integrations
• Self-serve platform with streamlined onboarding
• White-label deployment available for larger partners

TreviPay Implementation

TreviPay's implementation requirements vary by program and integration scope, with support for ERP-connected and embedded payment workflows including:

• ERP connections for enterprise systems
• Integration development resources
• Training for managed service model
• Custom program arrangements
• Sales and planning cycles

Mulligan Funding Implementation

Mulligan Funding follows a loan application and approval process:

• Application review and underwriting
• Approval timeline subject to verification
• Fund disbursement upon approval
• ACH repayment structure
• No system integration with accounting or ecommerce platforms

AR Automation and Collections: Platform Capabilities

Beyond financing, the operational support each platform provides shapes ongoing efficiency.

Resolve Pay AR Automation

Resolve Pay combines financing with comprehensive accounts receivable automation:

• Automated invoice generation synced from ERP/accounting systems
• Smart payment reconciliation using ML to match invoice-to-cash
• Real-time AR dashboard showing DSO, aging, and portfolio health
• Automated bookkeeping sync to major accounting platforms
• Customer testimonials report 90% reduction in AR workload

The Agentic Collections capabilities add:

• Multi-channel automated sequences across email, SMS, and voice AI
• Intelligent escalation based on buyer response and payment history
• Configurable thresholds for escalation
• Automatic pause when payment or dispute received
• Professional tone preserving customer relationships

TreviPay AR Services

TreviPay provides enterprise order-to-cash automation through:

• Managed receivables services with dedicated teams
• Integration with enterprise systems
• Collections handled by TreviPay staff
• Reporting for large programs

Mulligan Funding AR Capabilities

Mulligan Funding focuses on providing working capital rather than AR automation. The company does not offer invoice generation, tracking, collections features, or integration with accounting and ecommerce systems, as its focus remains on business financing.

Real Business Impact: What Companies Achieve

The value of any financing solution shows in actual business outcomes.

Resolve Pay Customer Results

Companies using Resolve Pay report measurable improvements:

• Archipelago Lighting: Tripled revenue while reducing net terms approval from 10 days to 24 hours
• ConEquip: Achieved 30% year-over-year growth in construction equipment sales
• SS&SI Dealer Network: Delivered 5x revenue growth through expanded terms offerings
• Elston Materials: Increased margins from 25% to 30%
• Trenchless Supply: Reduced AR workload by 90% with credit approvals under 24 hours

Resolve Pay's customer examples illustrate how combining net terms, credit management, non-recourse advances, and AR automation can support both growth and operational efficiency. These outcomes are especially relevant for B2B suppliers that want payment flexibility for buyers without separating financing from the receivables workflow.

Why Resolve Pay Addresses Mid-Market B2B Needs

Resolve Pay addresses the mid-market segment with an integrated approach to net terms, financing, and accounts receivable.

Non-Recourse Protection on Eligible Invoices

Unlike business loans that create separate repayment obligations or enterprise programs with variable protection structures, Resolve Pay provides non-recourse protection on eligible approved invoices. Sellers receive advances with reduced exposure to buyer nonpayment, enabling confident growth while managing credit risk.

Mid-Market Focus

Purpose-built for growing B2B sellers, Resolve Pay provides capabilities without enterprise complexity. The integration ecosystem includes the platforms mid-market companies use: Shopify, BigCommerce, QuickBooks, and NetSuite.

Streamlined Implementation

Pre-built integrations mean companies can implement quickly rather than waiting for lengthy enterprise deployments. The self-serve platform requires minimal training and support.

Integrated Operations

Combining credit decisioning, net terms financing, AR automation, and collections in one platform reduces tool complexity. Companies manage fewer vendors while achieving integrated workflows.

For mid-market B2B suppliers seeking to offer competitive payment terms while improving cash flow and reducing AR workload, Resolve Pay provides a comprehensive platform that connects customer terms with seller cash flow.

Frequently Asked Questions

How does Resolve Pay's non-recourse financing compare to traditional factoring or working capital loans?

Resolve Pay's non-recourse model provides protection on eligible approved invoice advances, helping sellers reduce exposure to buyer nonpayment. Traditional factoring often involves recourse where sellers must handle unpaid invoices. Working capital loans create debt obligations that merchants must repay according to loan terms regardless of customer payment behavior. Resolve Pay's approach helps transfer credit assessment responsibility while providing immediate cash flow.

Can Resolve Pay help my business offer net terms to buyers without impacting cash flow?

Yes, Resolve Pay advances up to 100% of invoice value within 1-2 business days when you offer Net 30/60/90 terms to approved buyers. You receive cash immediately while your customer pays on the agreed schedule. The remaining balance releases when the buyer pays. This lets you offer competitive terms without waiting 30-90 days for payment.

How quickly can Resolve Pay approve a credit line for my business customers?

Resolve Pay's AI credit engine delivers credit decisions in under 24 hours. The system evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. Customer testimonials indicate response times under 24 hours on credit approvals, compared to the longer timelines manual credit processes often require.

Does Resolve Pay integrate with popular ecommerce platforms and accounting software?

Yes, Resolve Pay provides native integrations with major platforms including Shopify, BigCommerce, WooCommerce, and Magento for ecommerce, plus QuickBooks, NetSuite, Sage Intacct, and Xero for accounting. Two-way sync enables automatic invoice and payment data flow. Most teams launch using these pre-built connections.

What types of businesses benefit most from Resolve Pay's B2B payment platform?

Resolve Pay serves mid-market B2B suppliers including manufacturers, wholesalers, and distributors, particularly in industries like HVAC parts, electrical supplies, industrial equipment, medical devices, and building materials. Companies with $1M+ annual B2B revenue that want to offer competitive net terms while reducing credit exposure and AR workload can benefit from the platform. Over 15,000 businesses actively use Resolve Pay.

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.