Aug 06, 2026
When B2B manufacturers, distributors, and wholesalers need to manage cash flow while offering competitive payment terms to buyers, choosing the right financial partner becomes critical. TreviPay, OnDeck, and Resolve Pay represent three fundamentally different approaches to B2B financing and payments. While TreviPay operates as an enterprise-focused global payment network and OnDeck functions as a traditional small business lender, Resolve Pay delivers a comprehensive B2B payments platform that combines net terms financing, credit underwriting, and AR automation with non-recourse protection. This comparison reveals how each solution serves different business needs and why Resolve Pay's integrated approach may deliver compelling results for mid-market B2B sellers seeking speed, transparency, and risk protection.
Key Takeaways
- Different solutions for different needs: TreviPay builds enterprise payment infrastructure for large global operations, OnDeck provides general working capital loans, while Resolve Pay specializes in integrated buyer credit management and AR automation for mid-market B2B sellers
- Non-recourse protection matters: Resolve Pay assumes covered buyer credit-default risk on approved, valid, and undisputed invoices subject to the merchant agreement, helping sellers offer competitive net terms with reduced exposure to bad debt
- Speed of deployment varies: While enterprise solutions may require extensive implementation periods depending on program scope and system complexity, Resolve Pay supports ecommerce, accounting, ERP, and API-based implementation options designed for faster deployment
- AR automation drives efficiency: Resolve Pay's platform can reduce manual accounts receivable workload through AI-powered automation of invoice generation, payment reconciliation, and intelligent collections
- Competitive and transparent approach: Resolve Pay offers competitive pricing with non-recourse protection included, while maintaining transparency without setup fees or monthly minimums
- Integrated platform advantage: Resolve Pay combines credit decisioning, net terms financing, AR automation, and collections management in a single solution rather than requiring multiple vendors
- Geographic focus differs: TreviPay provides international and multicurrency capabilities across supported merchant and buyer markets, OnDeck focuses primarily on U.S. small business lending, while Resolve Pay serves established B2B merchants in North America
Understanding Each Company's Core Positioning
TreviPay's Enterprise Infrastructure Approach
TreviPay positions itself as an enterprise B2B payments infrastructure provider, offering embedded payment solutions for large sellers managing complex global trade credit programs. Founded in 1978 and rebranded in 2021, TreviPay has built its reputation providing payment network services across multiple countries. The company focuses on large-scale buyer financing, fraud prevention, and omnichannel payment acceptance for enterprise clients seeking international and multicurrency capabilities across supported merchant and buyer markets.
OnDeck's Small Business Lending Model
OnDeck takes a completely different approach. Founded in 2006, OnDeck operates as a direct small business lender, providing term loans (ranging from $5,000 to $400,000 USD) and revolving lines of credit ($6,000 to $200,000 USD) to businesses needing working capital. The platform has established itself in the alternative lending space by focusing on quick application processes and funding decisions. It's important to understand that OnDeck doesn't process payments or manage buyer credit at all; it provides general business financing that companies can use for various operational needs.
Resolve Pay's Mid-Market B2B Specialization
Resolve Pay occupies a strategic position serving mid-market B2B sellers. Created as the B2B payments business originating from Affirm, with a team that includes experienced credit and technology professionals, Resolve Pay serves established B2B merchants including manufacturers, distributors, wholesalers, and ecommerce sellers. The platform combines net terms financing, AI-powered credit decisioning, and comprehensive accounts receivable automation into a single solution.
According to the Federal Reserve Banks’ research on business payments, payment terms and arrangements meaningfully affect the payment challenges small businesses experience. Resolve Pay specializes in helping mid-market businesses offer competitive payment terms without cash flow strain or disproportionate credit risk exposure.
The fundamental difference lies in what each solves: TreviPay builds enterprise payment infrastructure, OnDeck provides business loans, while Resolve Pay focuses on transforming how mid-market sellers manage buyer credit and AR operations.
Service Offerings Show Distinct Strategic Focuses
TreviPay's Service Portfolio
TreviPay's service portfolio spans enterprise payment infrastructure including:
- B2B payments network with multi-currency invoicing
- Trade credit management and buyer financing programs
- Fraud prevention and risk assessment capabilities
- Supplier payment solutions
- Custom enterprise program design options
- Compliance capabilities across multiple markets
This comprehensive enterprise approach serves large corporations with complex international operations, though implementation requirements depend on program scope, systems, sales channels, geographic coverage, and customization needs.
OnDeck's Lending Services
OnDeck's services focus on direct lending products:
- Term loans from $5,000 to $400,000 USD
- Revolving lines of credit from $6,000 to $200,000 USD
- Funding options for qualified borrowers
- Flexible repayment structures including daily or weekly ACH options
OnDeck provides capital that businesses can allocate according to their needs, whether for inventory, equipment, expansion, or operational expenses unrelated to specific customer invoices.
Resolve Pay's Integrated Value Delivery
Resolve Pay's services deliver integrated value across the order-to-cash cycle:
- Net Terms/B2B BNPL: Offer Net 30/60/90 terms while potentially receiving advances on eligible invoices subject to approval and program terms
- AI Credit Engine: Credit decisions that may be delivered quickly for qualified buyers, while other applications require additional review or verification, analyzing buyer data to assess creditworthiness
- AR Automation Platform: Automated invoice generation, payment reconciliation capabilities, and system integration options
- Agentic Collections: Multi-channel automated follow-ups via email, SMS, and voice AI to streamline payment recovery
- White-labeled Payment Portal: Branded buyer dashboard accepting ACH, wire, card, and check payments
The U.S. Small Business Administration emphasizes that effective cash-flow management is essential for stabilizing operations, preparing for growth, and making stronger financial decisions. Resolve Pay's specialization allows deeper focus on the areas that matter most to mid-market B2B sellers: accelerating cash conversion, reducing AR overhead, and managing credit risk.
Target Customers Reveal Strategic Alignment Differences
TreviPay's Enterprise Focus
TreviPay primarily serves enterprise-scale B2B sellers with complex global operations. Their typical clients are large manufacturers and distributors managing buyer accounts across multiple markets, requiring multi-currency invoicing and custom credit program capabilities. These companies often have dedicated procurement and IT teams capable of managing comprehensive implementation processes.
OnDeck's Small Business Target
OnDeck targets small businesses needing general working capital. Their customer profile typically includes businesses with at least one year of operating history seeking capital for inventory, equipment, expansion, or operational needs. The lending model serves businesses looking for alternative financing options beyond traditional bank loans.
Resolve Pay's Mid-Market Sweet Spot
Resolve Pay targets mid-market B2B sellers typically manufacturers, distributors, and wholesalers with established revenue streams who need to offer competitive net terms without straining cash flow or taking on disproportionate credit risk. The platform serves businesses that benefit from integrated buyer credit management and rapid AR automation.
Federal Reserve research on business payments shows that businesses value faster-payment capabilities for improving cash-flow management and payment-processing efficiency. Resolve Pay's model addresses these needs through non-recourse advances on eligible invoices, helping sellers bridge the gap between when they extend net terms and when buyers actually pay.
Results and Implementation Approach
TreviPay's Enterprise Capabilities
TreviPay's capabilities emphasize enterprise scale and global reach. The platform provides international and multicurrency payment processing capabilities, leveraging decades of B2B credit and payment data for underwriting and risk assessment. Custom program design options serve large enterprises with complex, multi-market operations. Implementation requirements depend on program scope, systems integration needs, sales channels, geographic coverage, and desired customization.
OnDeck's Lending Track Record
OnDeck's track record focuses on lending volume and speed. The platform processes loan applications with quick turnaround for qualified borrowers, providing funding that businesses can deploy according to their operational needs. The straightforward application process appeals to small business owners seeking capital without extensive documentation requirements or lengthy approval processes.
Resolve Pay's Mid-Market Impact
Resolve Pay's platform emphasizes rapid deployment and measurable operational improvements. Credit decisions may be delivered quickly for qualified buyers, with the AI Credit Engine analyzing thousands of buyer data points to assess creditworthiness. The platform supports automated AR workflows that can significantly reduce manual workload through intelligent invoice generation, payment tracking, and collections automation.
Resolve Pay may provide non-recourse advances on eligible invoices, with the amount and timing determined by underwriting, verification, banking schedules, and program requirements. Synchronization and reconciliation capabilities depend on the connected system and implementation configuration, enabling sellers to maintain operational visibility while potentially improving cash flow.
The speed difference can be meaningful for mid-market companies facing competitive pressure. Resolve Pay's implementation approach emphasizes faster value realization compared to solutions requiring extensive enterprise configuration processes.
Methodology and Approach Define the Engagement Experience
TreviPay's Enterprise Implementation
TreviPay's methodology centers on enterprise program design and implementation. Engagements typically involve discovery, program configuration, and integration with existing enterprise systems. This approach serves large organizations with dedicated IT resources and can accommodate complex, multi-channel deployment scenarios including online platforms, in-store systems, and sales representative tools.
OnDeck's Streamlined Lending Process
OnDeck's approach focuses on simplified lending. Applications can be completed online efficiently, with funding decisions delivered to qualified borrowers according to underwriting criteria. The platform provides capital through defined loan structures that businesses repay according to agreed terms. This straightforward model appeals to small business owners seeking quick access to working capital without ongoing vendor relationships for payment processing or AR management.
Resolve Pay's Rapid Deployment Focus
Resolve Pay's approach emphasizes practical execution and faster deployment timelines. The platform supports ecommerce, accounting, ERP, and API-based implementation options, with timing determined by integration scope and workflow complexity. The AI-powered credit engine delivers assessments without requiring extensive manual underwriting processes for each transaction.
Key elements of Resolve Pay's approach include:
- Multiple integration options supporting common B2B platforms
- White-label deployment capabilities that maintain seller branding
- Automated workflows for invoice generation and payment reconciliation
- Dedicated support with defined response standards
The execution philosophy differs meaningfully across these platforms: TreviPay builds custom enterprise infrastructure with extensive implementation timelines, OnDeck provides quick business financing that the borrower repays according to the financing agreement, while Resolve Pay delivers integrated credit, financing, and AR capabilities designed for faster deployment.
Integration Ecosystem Enables Operational Efficiency
TreviPay's Enterprise Integration Approach
TreviPay's integrations focus on enterprise systems including major ERP and CRM platforms. The platform offers API development capabilities for custom enterprise needs and supports omnichannel deployment across online, in-store, and sales representative channels. Implementation typically requires IT resources to manage multi-system integration, multi-currency processing, and compliance requirements across different markets.
OnDeck's Limited Integration Scope
OnDeck's integration capabilities are limited by its business model. As a direct lender, the platform provides an online application portal and ACH integration for loan disbursement and repayment processing. OnDeck does not offer payment processing infrastructure, AR system connections, or ecommerce platform integration since it provides lending services rather than payment or invoice management capabilities.
Resolve Pay's Platform Integration Options
Resolve Pay's integrations deliver connectivity across multiple business systems:
- Ecommerce platforms: Shopify, BigCommerce, WooCommerce, Magento 2
- Accounting and ERP systems: QuickBooks Online, Xero, Sage Intacct, NetSuite
- Custom development: REST API with webhooks and sandbox environment for tailored integrations
For mid-market B2B sellers using common platforms, Resolve Pay's native integration options support faster implementation without custom development overhead. Synchronization and reconciliation capabilities depend on the connected system and implementation configuration, enabling sellers to maintain data consistency across their technology stack.
Why Resolve Pay Delivers Compelling Value for Mid-Market B2B Sellers
Mid-market B2B sellers face distinct challenges that make Resolve Pay's integrated approach worth considering. These businesses often need to offer competitive payment terms to win orders, but extending net terms can strain cash flow and expose them to credit risk if buyers fail to pay or experience financial difficulties.
Key Advantages of Resolve Pay's Platform
Non-recourse protection: Resolve Pay assumes covered buyer credit-default risk on approved, valid, and undisputed invoices, subject to the merchant agreement. This protection helps eliminate certain bad debt concerns that typically accompany offering net terms. The coverage applies specifically to buyer credit default on qualifying invoices, providing a risk management layer that neither enterprise payment infrastructure nor general business lending directly addresses.
Speed of execution: The platform's AI-powered credit engine may deliver credit decisions quickly for qualified buyers, while other applications require additional review or verification. Resolve Pay may advance funds before the buyer's payment deadline, subject to approval, verification, banking schedules, and program terms. Implementation timelines depend on integration scope and complexity but are designed to be faster than solutions requiring extensive enterprise configuration.
Comprehensive AR automation: The platform can reduce manual AR work significantly through automated invoice generation, payment reconciliation, and intelligent collections workflows. The multi-channel collections capabilities include email, SMS, and voice AI follow-ups that maintain professional buyer relationships while accelerating payment recovery. General business lenders offer no AR capabilities, while enterprise solutions may require substantial configuration overhead.
Transparent, competitive approach: Resolve Pay offers competitive pricing with non-recourse protection included, without setup fees or monthly minimums. This straightforward structure makes the solution accessible to mid-market businesses that cannot absorb significant fixed costs or complex fee arrangements.
Integrated platform: The solution combines credit decisioning, net terms financing, AR automation, and collections management in a single platform rather than requiring multiple vendor relationships. This integration reduces operational complexity and creates data consistency across the order-to-cash cycle.
For mid-market B2B sellers seeking to offer competitive payment terms without the configuration overhead of enterprise solutions or the recourse liability of traditional lending, Resolve Pay represents an integrated approach designed specifically for their operational and financial requirements.
Why Resolve Pay Is the Stronger Choice for B2B Sellers
Mid-market manufacturers, distributors, and wholesalers often need to offer Net 30, 60, or 90 terms to remain competitive. However, these arrangements can create cash flow delays and expose sellers to buyer credit risk. Resolve Pay addresses both challenges through one platform combining credit assessment, invoice advances, payments, AR automation, collections, and integrations.
Its non-recourse structure transfers covered buyer credit-default risk on approved, valid, and undisputed invoices, subject to the merchant agreement. Resolve Pay’s AI-powered credit engine may deliver rapid decisions for qualified buyers, while approved sellers can receive funds before the buyer’s payment deadline, depending on verification, banking schedules, and program terms.
The platform also automates invoicing, payment tracking, reconciliation, and multi-channel collections while connecting with major ecommerce, accounting, and ERP systems. For established B2B sellers seeking faster cash conversion, reduced AR workload, and stronger credit-risk management, Resolve Pay provides a focused, integrated solution.
Frequently Asked Questions
How is Resolve Pay different from taking out a business loan?
A business loan provides general working capital that must be repaid regardless of customer payment behavior. Resolve Pay instead provides non-recourse advances on approved invoices. For qualifying transactions, Resolve Pay assumes covered buyer credit-default risk under the merchant agreement while supporting credit assessment, payment processing, and collections. This helps sellers access cash from receivables without taking on the same type of fixed repayment obligation as a traditional loan.
What does non-recourse protection mean for invoice advances?
Non-recourse protection means Resolve Pay assumes covered buyer credit-default risk on approved, valid, and undisputed invoices, subject to the merchant agreement. If an approved buyer fails to pay because of a qualifying credit default, the seller generally does not repay the covered advance. The protection does not necessarily apply to disputes, returns, delivery issues, fraud, inaccurate invoices, or other circumstances excluded by the agreement.
What net terms can my business offer through Resolve Pay?
Resolve Pay supports common B2B payment terms, including Net 30, Net 60, and Net 90. Available terms and credit limits depend on the buyer’s credit assessment, transaction details, and program requirements. Approved sellers may receive advances before the buyer’s payment deadline, subject to verification, banking schedules, and the merchant agreement. This allows businesses to offer buyers flexible payment options while supporting more predictable seller cash flow.
Does Resolve Pay help with accounts receivable management beyond financing?
Yes. Resolve Pay provides accounts receivable automation for invoicing, payment tracking, reconciliation, reminders, and collections workflows. Its tools can support email, SMS, and voice-based follow-ups while helping finance teams manage buyer accounts in one platform. Resolve Pay can also connect with accounting and ERP systems, although synchronization and reconciliation capabilities depend on the selected integration and implementation configuration.
What systems does Resolve Pay integrate with?
Resolve Pay provides integration options for Shopify, BigCommerce, WooCommerce, Magento 2, QuickBooks Online, Xero, Sage Intacct, and NetSuite. It also supports custom development through APIs, webhooks, and a sandbox environment. Available synchronization and reconciliation features vary by system and implementation. These connections allow businesses to add credit, invoicing, payment, and AR workflows without replacing their existing ecommerce or financial platforms.
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.
