TreviPay vs PEAC Solutions

Choosing between B2B payment platforms and asset finance providers requires understanding fundamental differences in business models, target markets, and core capabilities. TreviPay operates as an enterprise-scale B2B payments infrastructure platform, while PEAC Solutions operates as a global asset finance platform. Mid-market manufacturers and distributors seeking integrated net terms financing and AR automation have different requirements from either enterprise payment infrastructure or equipment-focused financing. Resolve Pay's net terms financing delivers non-recourse advances on eligible approved invoices with rapid implementation, serving over 15,000 businesses seeking faster cash conversion through B2B seller-focused financing and receivables workflows.

The B2B payments landscape continues evolving as businesses seek working capital solutions that accelerate cash flow without adding operational complexity. According to the Federal Reserve, businesses increasingly prioritize payment flexibility and digital integration in their financial operations. This comparison examines how TreviPay's enterprise infrastructure, PEAC Solutions' asset finance offerings, and Resolve Pay's mid-market net terms platform serve different segments of the B2B financing market.

Key Takeaways

• TreviPay provides global B2B payment infrastructure, while PEAC Solutions provides asset finance offerings that include equipment financing, lease and loan solutions, inventory finance, and working capital products. Resolve Pay is designed around seller-side net terms financing and accounts receivable workflows
• Resolve Pay provides non-recourse advances on eligible approved invoices, helping reduce seller exposure to covered buyer default risk under the applicable program terms, while TreviPay can assume buyer credit risk through managed programs
• Implementation timelines differ significantly: Resolve Pay deploys in hours to days with same-day activation possible for supported platforms, while enterprise implementations typically require longer timelines for complex deployments
• Resolve Pay's AI-powered credit engine can provide real-time decisions for eligible buyers, while some credit assessments may take up to 24 business hours depending on the customer and review requirements
• Resolve Pay provides pre-built connections for Shopify, BigCommerce, WooCommerce, and Magento alongside accounting and ERP integrations. TreviPay supports API, ecommerce, ERP, accounting, and procurement-system integrations for its enterprise programs, while PEAC Solutions provides digital application and financing tools for its asset-finance workflows
• Customer results demonstrate Resolve Pay's impact: Archipelago achieved 3x revenue growth, SSSI saw 5x revenue growth, and Trenchless Supply reduced AR workload by 90%

TreviPay

TreviPay operates as a comprehensive B2B payment platform designed for Fortune 500 enterprises and large corporations managing complex global operations. The platform processes $8.2 billion annually across a network spanning approximately 180,000 buying and selling entities.

Core Capabilities and Market Position

TreviPay's infrastructure handles trade credit programs, managed receivables services, and multi-currency transactions across international markets. The platform operates across 20+ countries and supports 10+ currencies for organizations requiring global payment orchestration.

Key platform capabilities include:

• Global payment processing and multi-currency support
• Managed receivables with outsourced collections services
• Enterprise ERP connectivity including Ariba, JAGGAER, and Coupa integration
• Configurable payment terms from 15 to 90 days
• IDC MarketScape Leader recognition for embedded payment applications

Credit Risk and Implementation Model

TreviPay states that its managed B2B payment programs can assume buyer credit risk and provide guaranteed seller payments, with settlement and program details defined by the applicable commercial agreement. The platform handles buyer credit evaluation, collections, and payment processing for organizations operating complex B2B payment programs.

Enterprise implementations typically require significant deployment investment, with complex integrations potentially extending multiple months depending on customization requirements, system complexity, and integration scope. The platform suits organizations with substantial transaction volumes and dedicated implementation resources.

TreviPay supports API, ecommerce, ERP, accounting, and procurement-system integrations for its enterprise programs, enabling automated invoice processing and payment workflows for organizations managing thousands of supplier relationships.

PEAC Solutions

PEAC Solutions occupies a different financing category, operating as a global asset finance platform with offerings that extend beyond equipment leasing alone. The company provides lease and loan solutions, equipment financing, inventory finance, and working capital products for businesses across multiple sectors.

Service Offerings and Geographic Presence

PEAC Solutions operates across 13 countries, serving manufacturers, dealers, distributors, and other customers with asset-backed financing needs. The company holds significant market position as one of the largest independent lessors in the UK, serving over 26,000 customers in that market.

The platform specializes in:

• Equipment financing ranging from $5,000 to $250,000
• Lease and loan structures for capital equipment
• Inventory finance solutions
• Working capital products for qualifying businesses
• Construction, healthcare, and technology sector expertise

Financing Structure and Payment Terms

PEAC Solutions can support business liquidity through its financing products. Dealers can receive payment promptly on qualifying financed equipment sales, with the company offering 24-hour dealer payment processing post-approval in many cases.

The company operates through dealer networks, with equipment manufacturers and vendors offering PEAC financing at the point of sale. This dealer-dependent model means implementation timelines vary based on specific vendor relationships and equipment types.

PEAC Solutions provides digital application and financing tools for its asset-finance workflows. However, the company does not position its core offering as a B2B trade-credit or net terms platform. Its portfolio centers on asset finance, equipment-related financing, inventory finance, and working capital products rather than seller-side receivables acceleration.

Resolve Pay: Mid-Market Net Terms and AR Automation

Resolve Pay provides integrated invoice financing, credit decisioning, payments, and accounts receivable automation specifically designed for mid-market B2B sellers. The platform serves over 15,000 businesses seeking to offer competitive net terms while accelerating cash flow and automating receivables workflows.

Comprehensive Net Terms Financing

Resolve Pay's Net Terms solution connects invoice advances with credit decisioning and AR workflows. Rather than financing asset purchases, Resolve Pay advances funds against eligible approved net terms invoices while buyers continue paying on agreed schedules.

The platform provides:

• Non-recourse advances on eligible approved invoices
• Advances up to 90-100% of invoice value within 24 hours
• Protection against covered buyer credit defaults on approved transactions
• Net 30, 60, and 90 day terms supported
• Remaining balance released when buyers complete payment
• White-labeled buyer payment portals maintaining seller branding

For eligible approved transactions, Resolve Pay assumes the applicable covered buyer non-payment risk under its non-recourse structure. This helps sellers extend terms while reducing their exposure to qualifying buyer defaults.

AI-Powered Credit Decisioning

Resolve Pay's business credit check capability evaluates buyer creditworthiness using AI-powered analysis across thousands of data points. The credit engine can provide real-time decisions for eligible buyers, while some credit assessments may take up to 24 business hours depending on the customer and review requirements.

Credit decision features include:

• AI-powered credit decisioning using proprietary data analysis and human expertise where appropriate
• Dynamic credit lines informed by buyer performance and risk signals
• Quiet credit checks without notifying buyers or affecting personal credit scores
• Fast approvals for qualifying transactions
• Continuous monitoring and credit line adjustments

Research cited in Digital Commerce 360 found that 84% of B2B buyers consider an easy, accurate online purchasing experience important, highlighting the need for suppliers to simplify their purchasing and payment workflows. Resolve Pay's credit engine enables sellers to meet this expectation while managing risk effectively.

Complete AR Automation Platform

Resolve Pay's AR Automation brings enterprise-grade capabilities to mid-market operations through integrated workflows that connect financing, credit, payments, and collections.

The platform includes:

• Automated invoice generation synced from ERP and 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 with major accounting platforms
• Two-way data flow eliminating manual entry and tracking

Agentic Collections automates follow-up through multi-channel sequences:

• Automated outreach across email, SMS, and voice AI
• Intelligent escalation based on buyer response and payment history
• Configurable day thresholds for each outreach type
• Automatic pause when payment or dispute received
• Professional tone preserving customer relationships
• Complete interaction logging to invoice records

Trenchless Supply reported 90% reduction in AR workload after implementing Resolve Pay, with credit approvals completing in under 24 hours compared to previous multi-day processes.

Integration and Implementation

Resolve Pay's integrations connect directly with common business tools through pre-built connections:

• QuickBooks, Xero, Sage Intacct, and NetSuite for accounting
• Shopify, BigCommerce, WooCommerce, and Magento for e-commerce
• Two-way ERP sync for automatic payment reconciliation
• REST API with webhooks for custom implementations

The platform deploys in hours to days through these pre-built integrations and streamlined onboarding. Most teams launch in under one week, with same-day activation possible for organizations using supported platforms.

Measurable Customer Results

Customer outcomes demonstrate the platform's impact on growth and operational efficiency:

• Archipelago Lighting: Tripled revenue while reducing net terms approval time from 10 days to 24 hours and offering 20x higher credit lines than previous manual processes allowed
• ConEquip: Achieved 30% year-over-year growth through expanded net terms capabilities
• Elston Materials: Increased margins from 25% to 30% while offering extended terms
• Shields Childcare Supplies: Won new business by offering Net 90 terms they could not extend independently
• TrueCable: Achieved response times under 24 hours on credit approvals, enabling faster deal closure
• Marshall Wolf Automation: Streamlined B2B payments and scaled operations through integrated financing and AR automation

Across the customer base, businesses report 75% average revenue increase, 50% less AR management time, and 55% increase in average order value through Resolve Pay's integrated platform.

Integration and Implementation Comparison

Platform integration capabilities and implementation timelines significantly impact time-to-value for businesses seeking B2B payment and financing solutions.

TreviPay Enterprise Integration

TreviPay supports API, ecommerce, ERP, accounting, and procurement-system integrations for its enterprise programs. The platform connects with major procurement platforms including Ariba, JAGGAER, and Coupa, enabling automated invoice processing and payment workflows for organizations managing extensive supplier networks.

Enterprise implementations suit organizations with substantial transaction volumes and dedicated implementation resources. Program structure varies based on transaction volume, geographic requirements, integration scope, and service requirements. Complex deployments may require multiple months depending on customization needs and system complexity.

PEAC Solutions Digital Tools

PEAC Solutions provides digital application and financing tools for its asset-finance workflows. The company operates through dealer and vendor networks, with implementation timelines varying based on specific relationships and equipment types. Digital applications enable online submission and approval tracking for equipment financing transactions.

Resolve Pay Rapid Deployment

Resolve Pay's pre-built integrations enable rapid deployment through native connections with widely-used business platforms. The integration library includes:

E-commerce platforms:

• Shopify
• BigCommerce
• WooCommerce
• Magento

Accounting systems:

• QuickBooks
• Xero
• Sage Intacct
• NetSuite

Custom integrations:

• REST API with webhooks
• Two-way data sync
• Automatic reconciliation

Most implementations complete in under one week, with same-day activation possible for organizations using supported platforms. Two-way data flow eliminates manual entry, automatically syncing invoices, payments, and customer information between systems.

The streamlined implementation approach prioritizes speed-to-value without requiring dedicated IT resources or extended project timelines.

Credit Decisioning and Risk Management Comparison

Credit evaluation and risk allocation represent critical differences between enterprise payment platforms, asset finance providers, and mid-market net terms solutions.

TreviPay Managed Credit Programs

TreviPay states that its managed B2B payment programs can assume buyer credit risk and provide guaranteed seller payments, with settlement and program details defined by the applicable commercial agreement. The platform handles buyer credit evaluation, collections, and payment processing as part of comprehensive managed services.

Enterprise clients can outsource credit decisions and collections to TreviPay's teams, with the platform managing buyer relationships and payment follow-up. The managed services model provides operational efficiency for large-scale operations processing substantial transaction volumes.

PEAC Solutions Asset-Based Underwriting

PEAC Solutions evaluates creditworthiness for equipment financing transactions, with approval decisions determining lease terms and rates. The company's underwriting applies to equipment acquisitions and asset-backed financing rather than trade credit extensions or invoice-based working capital.

Credit evaluation considers the financed asset's value alongside borrower creditworthiness, as the physical equipment provides collateral securing the financing obligation. This asset-backed approach differs fundamentally from invoice financing risk assessment.

Resolve Pay Non-Recourse Protection

Resolve Pay provides non-recourse advances on eligible approved invoices, helping reduce seller exposure to covered buyer default risk under the applicable program terms. The AI-powered credit engine evaluates buyer creditworthiness using analysis across thousands of data points.

Credit decisioning features include:

• AI-powered analysis using proprietary data and human expertise where appropriate
• Real-time decisions for eligible buyers
• Some assessments completed within 24 business hours depending on requirements
• Dynamic credit lines informed by payment history and risk signals
• Quiet credit checks without buyer notification or personal credit score impact

For eligible approved transactions, Resolve Pay assumes the applicable covered buyer non-payment risk. Sellers can extend competitive terms confidently while accessing immediate cash and reducing qualifying buyer credit-risk exposure.

The non-recourse structure differentiates from traditional factoring, where sellers typically retain liability for buyer non-payment through recourse provisions. Research from the Small Business Administration highlights how late payments and unpaid invoices create cash flow challenges for businesses. Non-recourse financing can help B2B sellers address these challenges while reducing exposure to covered buyer credit defaults.

AR Automation and Collections Comparison

Accounts receivable automation capabilities determine operational efficiency and cash flow velocity for B2B sellers managing invoice-based transactions.

TreviPay Managed Receivables

TreviPay's comprehensive order-to-cash automation includes managed receivables services for enterprise operations. The platform handles invoicing, credit management, collections, and payment processing within an integrated environment designed for large-scale operations.

The managed services approach transfers operational burden from seller teams to TreviPay's collections and payment processing staff. Organizations can outsource receivables management as part of broader payment infrastructure implementations.

PEAC Solutions Portfolio Management

PEAC Solutions focuses on equipment portfolio management rather than general AR automation. The company's systems track lease payments and equipment assets related to financed transactions, managing payment schedules and end-of-term options for leased equipment.

This equipment-focused approach serves the asset finance workflow rather than trade receivables acceleration or invoice-based working capital needs.

Resolve Pay Integrated AR Platform

Resolve Pay's AR Automation combines financing, credit decisioning, payments, and collections in a unified platform:

Automated invoice processing:

• Invoice generation synced from accounting and ERP systems
• Smart payment reconciliation using ML algorithms
• Automatic matching of payments to invoices
• Real-time AR dashboard with DSO and aging visibility

Intelligent collections automation:

• Agentic Collections with multi-channel sequences
• Automated email, SMS, and voice AI outreach
• Escalation based on buyer response patterns
• Configurable timing and messaging
• Automatic pause when payment received
• Professional tone maintaining customer relationships

Branded buyer experience:

• White-labeled payment portals
• Self-service access to invoices, credit-line information, payment history, and supported payment methods
• Multiple payment options including ACH, wire transfer, credit card, and check
• Mobile-responsive design
• Secure transaction processing

The integrated approach reduces manual work significantly. Customers report up to 90% reduction in AR workload through automation of routine tasks including invoice delivery, payment follow-up, payment application, and reconciliation.

Two-way integration with accounting systems ensures data accuracy without manual entry. Changes in either system automatically sync, maintaining consistent records across platforms and eliminating reconciliation discrepancies.

Why Mid-Market Sellers Choose Resolve Pay

The comparison between TreviPay's enterprise infrastructure, PEAC Solutions' asset finance offerings, and Resolve Pay's mid-market platform reveals distinct positioning for different business needs and scales.

TreviPay serves enterprises needing:

• Global payment infrastructure across 20+ countries
• Managed receivables services with outsourced collections
• Procurement platform integration with major enterprise systems
• Complex multi-entity operational support
• Substantial transaction volumes justifying enterprise investment

PEAC Solutions serves businesses needing:

• Equipment leasing and asset-backed financing
• Dealer financing programs for equipment sales
• Construction, healthcare, and industrial equipment expertise
• Inventory finance and working capital products
• Multi-national asset finance presence

Resolve Pay serves mid-market suppliers needing:

• Fast cash conversion through invoice financing that advances funds against eligible approved invoices
• Protection against covered buyer credit defaults, reducing bad debt exposure on eligible approved financed invoices
• Same-day to one-week implementation without enterprise complexity
• AI-powered credit decisions providing real-time approvals for qualifying buyers
• Comprehensive AR automation reducing manual workload by up to 90%
• Native e-commerce integrations for modern B2B selling
• Competitive pricing structured around merchant requirements

For manufacturers, distributors, and wholesalers seeking to offer competitive net terms while accelerating cash flow and automating receivables management, Resolve Pay provides a platform designed specifically around B2B seller needs. The integrated approach combines financing, credit, payments, and collections in a unified system deployable in days rather than months.

Frequently Asked Questions

What is the main difference between TreviPay and PEAC Solutions?

TreviPay operates as an enterprise B2B payment infrastructure platform handling trade credit programs and payment automation for large corporations across 20+ countries. PEAC Solutions operates as a global asset finance platform providing lease and loan solutions, equipment financing, inventory finance, and working capital products. These platforms serve different fundamental needs: TreviPay addresses enterprise payment complexity while PEAC Solutions provides asset-backed and equipment-related financing.

Can Resolve Pay replace TreviPay for mid-market companies?

Mid-market companies often find Resolve Pay addresses their core needs more directly through non-recourse invoice financing, AI-powered credit decisions, and comprehensive AR automation with implementation in hours to days. Companies not requiring global multi-currency capabilities or enterprise procurement integrations typically achieve faster time-to-value through Resolve Pay's streamlined approach focused specifically on B2B seller financing and receivables workflows.

How does non-recourse financing protect sellers compared to traditional factoring?

Traditional factoring typically operates on a recourse basis, meaning sellers remain liable if buyers fail to pay. Resolve Pay provides non-recourse advances on eligible approved invoices, helping reduce seller exposure to covered buyer default risk under the program terms. For approved covered transactions where the buyer defaults, sellers are generally protected from repayment obligations arising solely from those defaults, subject to program terms.

What industries benefit most from Resolve Pay versus equipment financing?

Manufacturers, distributors, and wholesalers selling products on net terms benefit most from Resolve Pay's invoice financing and AR automation. Equipment financing through providers like PEAC Solutions serves businesses making capital equipment purchases in construction, healthcare, industrial, and technology sectors. A manufacturing company might use both: Resolve Pay to accelerate receivables cash flow and equipment financing for machinery acquisitions.

How quickly can businesses implement Resolve Pay compared to TreviPay?

Resolve Pay typically deploys in hours to days through pre-built integrations with major e-commerce and accounting platforms. Most teams launch in under one week, with same-day activation possible for supported platforms. Enterprise payment platform implementations often require multiple months depending on complexity, custom requirements, and integration scope. For organizations prioritizing speed to value, Resolve Pay's streamlined implementation provides faster access to capabilities.

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.