TreviPay vs National Funding

When B2B companies evaluate their financing options, choosing between TreviPay and National Funding requires understanding a fundamental distinction: these platforms solve entirely different business problems. TreviPay operates as an enterprise B2B payments and trade credit platform, while National Funding provides direct working capital loans to businesses. For mid-market manufacturers, distributors, and wholesalers seeking to offer net terms to their customers while protecting cash flow, Resolve Pay emerges as a compelling choice, combining trade credit management with non-recourse financing and rapid implementation. According to Federal Reserve research on B2B payments, businesses increasingly seek solutions that accelerate cash conversion cycles while maintaining customer relationships through flexible payment terms.

Key Takeaways

• TreviPay and National Funding serve fundamentally different purposes: TreviPay manages B2B trade credit programs for enterprise sellers, while National Funding provides working capital loans directly to businesses
• For qualifying B2B sellers offering net terms, Resolve Pay provides non-recourse financing on approved invoices, so the seller keeps the advance if an approved buyer defaults
• Resolve Pay's implementation takes days to one week, compared to TreviPay's enterprise deployment timeline that typically spans weeks to months
• National Funding serves businesses needing cash for operations like payroll, equipment, or inventory, but does not help sellers offer payment terms to their customers
• Resolve Pay combines net terms financing, AR automation, and AI-powered credit decisions in a single platform
• Over 15,000 businesses trust Resolve Pay for B2B payments, with customers reporting significant reductions in AR manual work
• The platforms address distinct needs: TreviPay for enterprise trade credit infrastructure, National Funding for business lending, and Resolve Pay for mid-market sellers extending customer payment terms

Understanding Each Company's Core Positioning

TreviPay's Enterprise Focus

TreviPay positions itself as an enterprise B2B payments and trade credit platform, processing more than $8B in annual transaction volume and supporting a large global buyer network. Founded in 1978 with over 40 years of B2B payments experience, TreviPay serves large organizations requiring multi-currency capabilities across numerous countries. The platform focuses on Fortune 500 companies and enterprise sellers with complex, global operations.

National Funding's Business Lending Approach

National Funding takes a completely different approach. Established in 1999, National Funding operates as a small business lender, having funded billions to small businesses across the United States. Their products include working capital and other small-business loans, equipment financing and leasing, and receivables financing. These offerings are business financing products rather than a seller-focused net terms platform.

Resolve Pay's Mid-Market Positioning

Resolve Pay occupies a strategic middle ground. As a spinout from Affirm built by former executives from Affirm, PayPal, and Amazon, Resolve Pay specifically serves mid-market B2B sellers with $1M+ annual revenue who want to offer net terms to buyers while receiving immediate cash and reducing credit risk.

The fundamental distinction: TreviPay builds enterprise trade credit infrastructure, National Funding lends money directly to businesses, and Resolve Pay enables sellers to offer competitive payment terms without cash flow strain or credit risk.

The Challenge of Offering Net Terms and Managing Accounts Receivable

B2B sellers face a critical dilemma when extending payment terms to customers. Offering Net 30, 60, or 90 terms increases sales and builds customer loyalty, but creates significant operational challenges:

• Cash flow strain: Waiting 30-90 days for payment ties up working capital needed for operations
• Credit risk exposure: Approving customers for terms means accepting the possibility they won't pay
• Manual AR burden: Managing invoices, sending reminders, and chasing payments consumes valuable time
• DSO management: Days Sales Outstanding remains a persistent cash flow challenge for finance teams

Many businesses mistakenly believe they need a working capital loan (like those from National Funding) to solve their cash flow problems. In reality, the root cause is often their payment terms structure. They're waiting too long to get paid while still needing to cover operational costs.

This is where understanding the difference between customer financing and business loans becomes essential. A platform like Resolve Pay addresses the root cause by advancing funds against customer invoices, while National Funding addresses the symptom by adding debt to your balance sheet.

Service Offerings Show Distinct Strategic Focuses

TreviPay's Enterprise-Focused Services

TreviPay provides comprehensive B2B payment infrastructure for large organizations:

• Trade credit programs with Net 15-90 day terms
• AR automation and collections management
• Multi-currency support across multiple currencies
• Global buyer onboarding in numerous countries
• Enterprise ERP integrations including SAP, Oracle, and Coupa
• Managed services with full buyer support

This approach serves Fortune 500 companies with complex, multi-entity global operations and the resources to invest in enterprise implementation timelines.

National Funding's Direct Lending Products

National Funding offers traditional business financing:

• Working capital loans for business operating needs
• Equipment financing and leasing
• Receivables financing and other small-business financing options
• Fast funding for approved loans
• Eligibility is evaluated based on the applicant's broader business profile, with most customers having a personal FICO score of 600 or higher

These products solve different problems: they provide cash for your business operations, not financing for your customers' purchases.

Resolve Pay's Integrated Platform Approach

Resolve Pay combines multiple capabilities in a single solution:

• Net Terms Financing: Offer Net 30/60/90 terms to buyers while receiving advances within 1-2 business days
• AI Credit Engine: Real-time credit decisions with approvals typically under 24 hours, often instantly for certain purchases
• AR Automation: Automated invoice generation, payment reminders, and reconciliation synced with ERP systems
• Agentic Collections: Multi-channel automated sequences including email, SMS, and voice AI with intelligent escalation
• B2B Payment Portal: White-labeled buyer dashboard supporting ACH, wire, credit card, and check payments

The integration advantage is significant. While TreviPay requires enterprise-level implementation and National Funding doesn't address customer payment terms, Resolve Pay launches most teams in under one week.

Resolve Pay's Non-Recourse Financing Model

The most critical differentiator for B2B sellers is how each solution handles credit risk.

Understanding the Risk Models

TreviPay offers trade credit management with risk protection that varies by program structure. The level of recourse depends on the specific arrangement negotiated during the enterprise onboarding process.

National Funding provides loans directly to your business, meaning you're responsible for repayment regardless of whether your customers pay you. This creates a different type of risk: you're adding debt to your balance sheet rather than managing customer credit risk.

Resolve Pay operates on a non-recourse model. When Resolve Pay approves a buyer for net terms, eligible invoices can receive an advance within 1-2 business days. If that approved buyer defaults, Resolve Pay absorbs the loss and the seller keeps the advance.

Why Non-Recourse Matters

For mid-market B2B sellers, non-recourse financing eliminates the primary objection to offering net terms: "What if my customer doesn't pay?"

This protection enables sellers to:

• Extend competitive terms to new customers confidently
• Grow revenue without increasing bad debt exposure
• Focus on sales rather than credit risk management
• Maintain healthy cash flow regardless of buyer payment timing

Resolve Pay customer Elston Materials increased margins from 25% to 30% through this approach, demonstrating how reducing credit risk directly impacts profitability.

AI-Powered Credit Decisions and Real-Time Funding

Speed matters in B2B sales. When a potential buyer requests net terms, delays in credit approval can cost the sale.

Credit Decision Speed Comparison

TreviPay uses AI-powered underwriting for enterprise programs, with implementation timelines typically spanning weeks to months before the system is operational.

National Funding offers rapid funding for approved loans, but this applies to loans for your business, not credit decisions for your customers.

Resolve Pay delivers real-time credit decisions with response times typically under 24 hours, and often instant approvals for certain purchase thresholds. The AI Credit Engine evaluates buyer data points including cash flow trends, payment history, and behavioral signals, all without impacting the buyer's credit score through quiet credit checks.

The Impact on Sales Velocity

Archipelago Lighting provides a compelling example. After implementing Resolve Pay, they reduced net terms approval from 10 days to 24 hours while offering significantly higher credit lines. The result was tripled revenue.

For growing B2B companies, the ability to approve customers in hours rather than days directly translates to faster deal closure and increased order values.

Streamlining Operations: Automated AR and Collections

Beyond financing, operational efficiency determines the true value of a B2B payments solution.

AR Automation Capabilities

TreviPay offers enterprise-grade AR automation including invoice management, payment processing, and collections support. The solution is designed for large organizations with complex, multi-entity structures.

National Funding does not provide AR automation as it's a lending company rather than a payments platform.

Resolve Pay delivers AI-powered AR automation specifically designed for mid-market sellers:

• Automated invoice generation synced from ERP and accounting systems
• Smart payment reconciliation using ML to match invoice-to-cash
• Real-time AR dashboard showing DSO, aging, and portfolio health
• Two-way sync with QuickBooks, Xero, Sage Intacct, and NetSuite

Trenchless Supply reported significant AR workload reduction after implementing Resolve Pay's automation.

Customer-Centric Collections

The collections experience significantly impacts customer relationships. Aggressive tactics can preserve short-term cash flow while destroying long-term loyalty.

Resolve Pay's Agentic Collections takes a different approach:

• Multi-channel automated sequences including email, SMS, and voice AI outbound calls
• Intelligent escalation based on buyer response and payment history
• Configurable day thresholds for different communication types
• Automatic pause when payment or dispute is received
• Professional tone that preserves customer relationships for future business

This approach maintains payment discipline while protecting the seller-buyer relationship.

White-Labeled Payment Experiences and Platform Integrations

Brand consistency matters in B2B relationships. How your customers experience the payment process reflects on your company.

Integration Ecosystem Comparison

Resolve Pay integrates natively with major platforms:

• ERP Systems: QuickBooks, NetSuite, Xero, Sage Intacct
• Ecommerce: Shopify, BigCommerce, Magento, WooCommerce
• API: RESTful with webhooks and sandbox environment
• Implementation Time: Days to 1 week

TreviPay provides enterprise integrations:

• ERP Systems: SAP, JD Edwards, NetSuite, Oracle, Coupa
• Ecommerce: BigCommerce, Adobe Commerce, Salesforce Commerce
• API: Enterprise-grade available
• Implementation Time: Weeks to months

National Funding focuses on business lending rather than platform integrations, as it provides direct financing to businesses rather than payment infrastructure.

The White-Label Advantage

Resolve Pay's B2B Payment Portal maintains your brand throughout the buyer journey:

• Branded buyer dashboard showing all invoices, credit lines, and payment history
• Multiple payment options: ACH, wire transfer, credit card, and check
• Self-serve payment plans and dispute flagging
• Mobile-responsive checkout experience

This white-label approach means your customers see your brand, not a third-party payment platform.

Resolve Pay earned the 2025 BigCommerce Innovative Integration Award, demonstrating the platform's technical excellence in ecommerce integration.

How The Solutions Address Different Business Needs

Understanding when each platform fits your needs prevents mismatches between your requirements and platform capabilities.

Where Resolve Pay Fits

Resolve Pay serves B2B sellers who want to:

• Offer Net 30/60/90 terms to B2B buyers and receive funds within 1-2 business days
• Serve as an established B2B seller with $1M+ in annual B2B revenue
• Access non-recourse protection against buyer defaults on approved invoices
• Benefit from competitive pricing and rapid implementation
• Consolidate AR automation, net terms, and B2B payments in one platform

TreviPay's Enterprise Focus

TreviPay serves organizations that need:

• Enterprise-scale seller capabilities for Fortune 500 companies with significant revenue
• Global operations spanning multi-currency needs across numerous countries
• Managed services and white-glove support
• Complex multi-entity buyer relationships
• Enterprise implementation timelines and resources

National Funding's Business Financing Focus

National Funding serves businesses needing:

• Cash for business operations such as payroll, equipment, or inventory
• Equipment financing for purchasing or leasing business assets
• Receivables financing and other small-business financing solutions
• Business funding evaluated on broader business profile factors
• Rapid funding for immediate operational needs

These financing products address working capital needs but do not help sellers offer payment terms to their customers.

Why Resolve Pay Is The Relevant Fit For B2B Sellers

For B2B sellers focused on extending customer payment terms while accelerating their own cash flow, Resolve Pay directly connects credit decisioning, net terms, invoice advances, AR automation, payments, and collections. Business lending products address a separate operational financing need and should be evaluated independently of a seller's customer payment-terms strategy.

The SBA working capital guidance states that businesses often confuse different types of financing, when in fact customer payment terms and operational loans serve distinct purposes. Resolve Pay specifically addresses the customer payment terms challenge.

Why Resolve Pay Delivers Value for B2B Sellers

For mid-market B2B companies, Resolve Pay provides advantages tailored to their specific needs:

Speed of Execution

• Resolve Pay: Launch in under one week, credit decisions typically under 24 hours
• TreviPay: Enterprise deployment spanning weeks to months
• National Funding: Fast loans for your business, but doesn't address customer terms

Risk Protection

• Resolve Pay: Non-recourse financing on approved invoices
• TreviPay: Protection varies depending on program structure
• National Funding: Full recourse loans where you're the debtor

Operational Efficiency

• Resolve Pay: Significant AR workload reduction reported by customers
• TreviPay: Enterprise automation with complex implementation
• National Funding: No AR features as it's a lending platform

Integrated B2B Workflow

• Resolve Pay: Combines net terms, credit decisioning, AR automation, payments, and collections in one platform
• TreviPay: Provides enterprise B2B payments, invoicing, credit, and order-to-cash capabilities
• National Funding: Provides business financing for operational and equipment needs

Real-World Results

Resolve Pay customers demonstrate the platform's impact:

• SS&SI Dealer Network: Achieved significant revenue growth
• ConEquip: Sustained strong year-over-year growth
• Archipelago Lighting: Tripled revenue, reduced approval time from 10 days to 24 hours
• Shields Childcare Supplies: Won new business by offering Net 90 terms they couldn't extend independently

These outcomes reflect what happens when B2B sellers can offer competitive terms without cash flow strain or credit risk.

Why Resolve Pay Is The Right Choice For B2B Sellers

While TreviPay serves enterprise organizations and National Funding provides business loans, Resolve Pay occupies the critical middle ground for mid-market B2B sellers who need to compete on payment terms without sacrificing cash flow or taking on credit risk.

The platform's unique combination of non-recourse financing, AI-powered credit decisions, comprehensive AR automation, and rapid implementation makes it particularly well-suited for growing B2B companies. According to U.S. Census ecommerce data on B2B commerce, businesses increasingly need flexible payment solutions that can scale with growth.

For manufacturers, distributors, and wholesalers looking to increase sales through competitive payment terms while maintaining healthy cash flow, Resolve Pay delivers a purpose-built solution. The platform eliminates the need to choose between offering attractive terms to customers and protecting your own working capital, a trade-off that has historically limited growth for mid-market B2B sellers.

Frequently Asked Questions

What is the main difference between TreviPay, National Funding, and Resolve Pay?

TreviPay, National Funding, and Resolve Pay serve fundamentally different purposes. TreviPay provides enterprise B2B payments and trade credit infrastructure for Fortune 500 companies with global operations. National Funding offers direct working capital loans and equipment financing to businesses. Resolve Pay enables mid-market B2B sellers to offer Net 30/60/90 terms to their customers while receiving immediate payment and reducing credit risk through non-recourse financing.

How does Resolve Pay's non-recourse financing protect my business?

Non-recourse financing means Resolve Pay assumes the credit risk on approved invoices. When you offer net terms to a buyer and Resolve Pay approves them, eligible invoices can receive an advance within 1-2 business days. If that approved buyer later defaults on payment, Resolve Pay absorbs the loss and you keep the advance. This differs from business loans where you're responsible for repayment regardless of customer actions.

Can Resolve Pay integrate with my existing accounting or ecommerce system?

Yes. Resolve Pay offers native integrations with major ecommerce platforms including Shopify, BigCommerce, Magento, and WooCommerce, as well as accounting and ERP systems like QuickBooks Online, Xero, Sage Intacct, and NetSuite. The platform provides REST API with webhooks and sandbox for custom integrations. Most teams launch in under one week with two-way sync between systems.

How quickly can my business receive funding with Resolve Pay?

Resolve Pay advances funds on eligible approved invoices within 1-2 business days. Credit decisions on buyers typically occur in under 24 hours, with instant approvals available for certain purchase thresholds. This compares favorably to TreviPay's enterprise deployment timeline and addresses a different need than National Funding's loan funding.

Does Resolve Pay handle the entire collections process for overdue invoices?

Yes. Resolve Pay's Agentic Collections automates the entire collections workflow through multi-channel sequences including email, SMS, and voice AI outbound calls. The system uses intelligent escalation, automatically pauses when payments or disputes are received, and logs all interactions. The professional approach preserves buyer relationships while maintaining payment discipline, with customers reporting significant AR workload reduction.

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.