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.
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.
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:
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 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:
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.
The AR automation capabilities distinguish Resolve Pay's integrated approach:
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.
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:
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:
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:
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 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:
Mulligan Funding's model differs fundamentally from net terms financing in several ways:
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.
Understanding who bears credit risk reveals important differences between these three solutions.
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:
TreviPay's credit risk allocation depends on the specific program structure:
Mulligan Funding provides business loans rather than invoice financing, meaning:
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.
The path from decision to operational use varies across these three solutions.
Resolve Pay launches through:
TreviPay's implementation requirements vary by program and integration scope, with support for ERP-connected and embedded payment workflows including:
Mulligan Funding follows a loan application and approval process:
Beyond financing, the operational support each platform provides shapes ongoing efficiency.
Resolve Pay combines financing with comprehensive accounts receivable automation:
The Agentic Collections capabilities add:
TreviPay provides enterprise order-to-cash automation through:
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.
The value of any financing solution shows in actual business outcomes.
Companies using Resolve Pay report measurable improvements:
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.
Resolve Pay addresses the mid-market segment with an integrated approach to net terms, financing, and accounts receivable.
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.
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.
Pre-built integrations mean companies can implement quickly rather than waiting for lengthy enterprise deployments. The self-serve platform requires minimal training and support.
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.
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.
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.
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.
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.
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.