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.
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 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 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.
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:
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.
TreviPay provides comprehensive B2B payment infrastructure for large organizations:
This approach serves Fortune 500 companies with complex, multi-entity global operations and the resources to invest in enterprise implementation timelines.
National Funding offers traditional business financing:
These products solve different problems: they provide cash for your business operations, not financing for your customers' purchases.
Resolve Pay combines multiple capabilities in a single solution:
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.
The most critical differentiator for B2B sellers is how each solution handles credit risk.
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.
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:
Resolve Pay customer Elston Materials increased margins from 25% to 30% through this approach, demonstrating how reducing credit risk directly impacts profitability.
Speed matters in B2B sales. When a potential buyer requests net terms, delays in credit approval can cost the sale.
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.
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.
Beyond financing, operational efficiency determines the true value of a B2B payments solution.
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:
Trenchless Supply reported significant AR workload reduction after implementing Resolve Pay's automation.
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:
This approach maintains payment discipline while protecting the seller-buyer relationship.
Brand consistency matters in B2B relationships. How your customers experience the payment process reflects on your company.
Resolve Pay integrates natively with major platforms:
TreviPay provides enterprise integrations:
National Funding focuses on business lending rather than platform integrations, as it provides direct financing to businesses rather than payment infrastructure.
Resolve Pay's B2B Payment Portal maintains your brand throughout the buyer journey:
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.
Understanding when each platform fits your needs prevents mismatches between your requirements and platform capabilities.
Resolve Pay serves B2B sellers who want to:
TreviPay serves organizations that need:
National Funding serves businesses needing:
These financing products address working capital needs but do not help sellers offer payment terms to their customers.
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.
For mid-market B2B companies, Resolve Pay provides advantages tailored to their specific needs:
Resolve Pay customers demonstrate the platform's impact:
These outcomes reflect what happens when B2B sellers can offer competitive terms without cash flow strain or credit risk.
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.
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.
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.
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.
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.
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.