TreviPay vs SBG Funding

Choosing the right financial solution for your B2B operations requires understanding a critical distinction that many businesses overlook. TreviPay operates as a B2B payments platform supporting trade credit programs, while SBG Funding provides access to business financing products through its funding platform. These solutions serve fundamentally different purposes, yet both appear in searches for "business financing," creating confusion for manufacturers, distributors, and wholesalers seeking to optimize cash flow.

Resolve Pay's net terms platform delivers a third approach: non-recourse financing with AR automation that combines the best of B2B payment infrastructure without creating merchant debt obligations.

Key Takeaways

• TreviPay and SBG Funding serve fundamentally different business needs: TreviPay supports B2B trade credit and payment programs, while SBG Funding provides access to business financing products that may create repayment obligations for the borrower
• Resolve Pay provides non-recourse advances on eligible approved invoices, helping protect sellers from covered buyer credit-related default risk without creating a traditional loan obligation for the seller
• Implementation timelines depend on configuration: Resolve Pay can typically be set up in days, while TreviPay states that its deployments can range from less than a month for out-of-the-box setups to six months or more for highly customized integrations
• Resolve Pay's AI-powered accounts receivable automation reduces manual AR workload by up to 90%, enabling teams to scale without proportional headcount increases
• SBG Funding provides access to working capital products such as term loans, lines of credit, and SBA financing, which generally create repayment obligations separate from customer payment outcomes
• Resolve Pay serves 15,000+ businesses with integrations for Shopify, BigCommerce, WooCommerce, and Magento 2, supporting mid-market B2B sellers seeking integrated net terms and AR workflows

Understanding the B2B Financing Landscape: Payment Platforms vs Traditional Lending

The B2B financing market encompasses distinct categories that solve different operational challenges. Understanding these fundamental differences helps finance leaders select solutions aligned with their growth objectives and risk tolerance.

B2B Payment Platforms like Resolve Pay and TreviPay enable sellers to offer net payment terms (Net 30/60/90) to business buyers while receiving advance payment on invoices. The platform handles credit decisioning, collections, and payment processing. Sellers gain immediate cash flow without waiting 30 to 90 days for buyer payments, and the platform assumes varying degrees of credit risk depending on the provider's structure.

Business Financing Providers like SBG Funding help businesses access financing products such as term loans, credit lines, and other working capital solutions. Depending on the product and funding arrangement, the business receives capital and takes on repayment obligations that are separate from its customers' invoice payments.

The confusion arises because both categories appear in searches for "business financing" or "working capital solutions." However, they address opposite sides of the same cash flow challenge:

• B2B payment platforms accelerate receivables collection and can reduce credit risk
• Business financing providers offer capital injection that typically requires repayment

For mid-market manufacturers, distributors, and wholesalers extending net terms to buyers, B2B payment platforms typically align better with operational needs. These businesses want to offer competitive payment terms without straining cash flow or absorbing buyer default risk.

TreviPay

TreviPay's Enterprise B2B Payment Infrastructure

TreviPay positions itself as an enterprise B2B payments platform with more than 40 years of experience in trade credit management and operations across more than 30 countries.

The platform serves Fortune 500 companies and large manufacturers requiring complex payment infrastructure across multiple countries. TreviPay operates in 30+ countries with multi-currency support, extensive ERP integrations, and connectivity to procurement systems like Ariba, JAGGAER, and Coupa.

Core TreviPay Capabilities

• Trade Credit Programs: Configurable net terms with managed credit decisioning
• AR Automation: Managed services for invoice processing and collections
• Global Infrastructure: Multi-currency, multi-country operations
• Enterprise Integrations: Deep connectivity with SAP, Oracle, and procurement platforms
• Managed Services: Outsourced AR operations for enterprise clients

TreviPay offers managed credit and payment programs designed to reduce seller exposure to buyer non-payment. The exact allocation of credit risk and payment guarantees depends on the terms of the individual enterprise program.

TreviPay Implementation Considerations

TreviPay implementation timelines vary based on system complexity and configuration requirements. TreviPay states that an out-of-the-box setup can take less than a month, while highly customized integrations may require six months or more.

This timeline reflects TreviPay's enterprise focus. Large manufacturers with complex ERP environments and multi-entity structures benefit from the deep customization available.

TreviPay uses enterprise contracting tailored to the specific program and implementation requirements.

SBG Funding

SBG Funding's Traditional Lending Model

SBG Funding operates as a business financing provider that connects businesses with multiple funding products for working capital, equipment purchases, and other business needs. Founded in 2017 and operating as Mission Capital LLC, the company helps businesses access capital for growth initiatives.

Product Portfolio

• Term Loans: Business financing with fixed repayment schedules, subject to eligibility and lender terms
• Lines of Credit: Revolving access to working capital
• Equipment Financing: Funding for machinery and equipment purchases
• Invoice Financing: Advance on receivables value
• SBA 7(a) Loans: Access to government-backed small business financing, subject to SBA eligibility and program limits
• Bridge Capital: Short-term revolving credit for immediate needs

SBG Funding offers fast approvals with 24-hour decisions and same-day funding availability. The platform works with businesses across various credit profiles.

How SBG Funding Differs from B2B Payment Platforms

The fundamental distinction between SBG Funding and platforms like Resolve Pay or TreviPay lies in debt structure and use case.

SBG Funding's financing products may create borrower repayment obligations. With products such as term loans or lines of credit, repayment is generally based on the financing agreement rather than whether the business's customers pay their invoices on time.

Resolve Pay and TreviPay facilitate trade credit. These platforms enable sellers to offer payment terms to buyers while accelerating the seller's cash collection. The seller is not borrowing money; they are receiving advance payment on legitimate receivables with the platform assuming collection responsibility.

For a manufacturer seeking to offer Net 60 terms to distributors, SBG Funding would provide capital that must be repaid over time. Resolve Pay would advance payment on each invoice as it's created, with the buyer eventually paying the platform directly.

The appropriate choice depends on the underlying business need:

• Working capital for payroll, inventory, or expansion: SBG Funding's loan products address this directly
• Offering net terms without cash flow strain: Resolve Pay's advance payment model solves this problem

Resolve Pay

Resolve Pay's Approach to Non-Recourse B2B Payments

Resolve Pay operates as a B2B payments platform built by former executives from Affirm, Amazon, and PayPal. The platform enables manufacturers, distributors, and wholesalers to offer Net 30/60/90 terms to business buyers while receiving advance payment and reducing credit risk.

The non-recourse structure distinguishes Resolve Pay's model. On eligible approved invoices, Resolve Pay's advance can protect the seller from covered buyer credit-related default risk, subject to the applicable approval and program terms.

The AI Credit Engine evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals to deliver real-time credit decisions. Approvals happen in under 24 hours, replacing the manual trade reference calls and spreadsheet tracking that consume AR team bandwidth.

Key Capabilities

• Advance Payment: Sellers can receive advance payment on eligible approved invoices, with the advance amount and timing depending on the applicable invoice and program terms
• Non-Recourse Protection: Eligible approved invoices can receive protection from covered buyer credit-related default risk
• AR Automation: AI-powered invoice generation, payment reminders, reconciliation, and collections
• Agentic Collections: Multi-channel automated sequences via email, SMS, and voice AI with intelligent escalation
• Payment Portal: White-labeled buyer dashboard accepting ACH, wire, credit card, and check payments

Implementation moves quickly with native integrations for Shopify, BigCommerce, Magento 2, WooCommerce, QuickBooks Online, Xero, Sage Intacct, and NetSuite. Most teams launch in under one week with two-way sync for invoice and payment data.

Resolve Pay Customer Results

Resolve Pay customers report measurable improvements across cash flow, operational efficiency, and revenue growth:

• Trenchless Supply reduced AR workload by 90% with credit approvals completing in under 24 hours
• ConEquip achieved 30% year-over-year growth through streamlined B2B payments
• Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours

These outcomes stem from the combination of faster access to cash through advance payments, non-recourse protection on eligible approved invoices, and reduced operational burden through automation.

Feature Comparison: B2B Payment Platforms

When comparing B2B payment platform capabilities, Resolve Pay and TreviPay offer different strengths suited to different business profiles.

Credit Risk and Non-Recourse Protection

Resolve Pay provides non-recourse advances on eligible approved invoices. This structure helps protect sellers from covered buyer credit-related default risk, subject to the applicable approval and program terms.

TreviPay offers managed credit and payment programs that can reduce seller exposure to buyer non-payment. The exact risk allocation and payment guarantees depend on the terms of the individual enterprise agreement.

SBG Funding as a financing provider requires borrower repayment based on the financing agreement, regardless of external factors.

Implementation Timeline

Resolve Pay supports integrations with Shopify, BigCommerce, WooCommerce, Magento 2, QuickBooks Online, Xero, Sage Intacct, and NetSuite. Resolve Pay states that businesses can typically get set up in days, while exact timing depends on the integration and workflow requirements.

TreviPay implementation timelines depend on configuration complexity. Its documentation states that out-of-the-box setups can take less than a month, while highly customized integrations may take six months or more.

SBG Funding operates on a loan application model with 24-hour decisions. However, this addresses capital access rather than payment infrastructure.

Channel Coverage and Automation

Resolve Pay covers the complete AR workflow with automated invoice generation, payment reminders, reconciliation, and agentic collections. The platform supports ACH, wire transfer, credit card, and check payments through a white-labeled buyer portal.

TreviPay provides managed AR services with invoice processing and collections as part of enterprise programs. The platform supports multiple payment methods and offers e-invoicing compliance across global markets.

SBG Funding does not provide AR automation capabilities since it operates as a financing provider rather than a payment platform.

Target Market Alignment

Resolve Pay optimizes for mid-market B2B sellers with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. The platform serves 15,000+ businesses with particular strength in HVAC parts, electrical supplies, industrial equipment, and construction materials.

TreviPay targets Fortune 500 enterprises and large manufacturers requiring global infrastructure, complex multi-entity deployments, and deep procurement system integration.

SBG Funding serves small businesses across multiple industries seeking working capital, with flexible credit requirements.

Why Resolve Pay Fits B2B Sellers

Resolve Pay is designed for B2B manufacturers, distributors, wholesalers, and other sellers that want to offer net terms while improving cash flow and reducing the operational burden of managing trade credit internally.

Key Capabilities

• Non-recourse advances: Eligible approved invoices can receive protection from covered buyer credit-related default risk
• Integrated AR automation: Credit, invoicing, reconciliation, payment reminders, and collections operate through a connected workflow
• Ecommerce integrations: Resolve Pay supports Shopify, BigCommerce, WooCommerce, and Magento 2 for embedded B2B net terms
• Accounting and ERP connectivity: Integrations include QuickBooks Online, Xero, Sage Intacct, and NetSuite
• B2B credit decisioning: Resolve Pay uses AI-supported underwriting and business data to streamline buyer credit assessment
• Flexible payment workflows: Buyers can pay through supported methods including ACH, wire, credit card, and check

For sellers whose primary challenge is extending net terms without tying up working capital or adding substantial AR administration, Resolve Pay combines financing, credit decisioning, payments, and receivables automation in one platform.

Operational Efficiency Benefits

Traditional factoring arrangements may include recourse provisions that leave sellers responsible for certain unpaid invoices. Resolve Pay instead offers non-recourse advances on eligible approved invoices, helping reduce seller exposure to covered buyer credit-related defaults while Resolve manages the associated receivables workflow.

The platform's AR automation capabilities address the operational burden that scales with invoice volume. Automated invoice generation, payment reminders, reconciliation, and collections reduce manual work by up to 90% according to customer reports. This efficiency gain enables teams to scale revenue without proportional headcount increases in AR functions.

Resolve Pay emerged as a spinout from Affirm, backed by $60 million in funding from Initialized Capital and Commerce Ventures. The team includes former executives from Affirm, Amazon, and PayPal with deep expertise in consumer BNPL adapted for B2B commerce. This heritage shows in the platform's credit decisioning sophistication, compliance infrastructure (SOC 2 Type II certified), and integration depth with modern e-commerce and accounting systems.

Frequently Asked Questions

What Problems Does Resolve Pay Help B2B Sellers Solve?

Resolve Pay helps B2B sellers offer flexible net terms while improving cash flow and reducing the manual work associated with credit assessment, invoicing, payments, reconciliation, and collections. Its integrated model is designed for businesses that want to manage trade credit and accounts receivable through one connected platform rather than separate financing and AR systems.

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

Resolve Pay's non-recourse model helps protect sellers from covered buyer credit-related default risk on eligible approved invoices. When an invoice qualifies for a non-recourse advance, repayment is not required solely because the approved buyer later defaults, subject to the applicable program terms. This differs from arrangements where merchants remain liable for unpaid invoices.

Can Resolve Pay reduce my accounts receivable workload?

Yes. Resolve Pay's AI-powered AR automation handles invoice generation, payment reminders, reconciliation, and collections through automated workflows. Customers report workload reductions of up to 90% compared to manual AR management. The agentic collections system uses multi-channel sequences via email, SMS, and voice AI with intelligent escalation based on buyer response patterns.

How quickly can I implement Resolve Pay?

Resolve Pay launches in days with pre-built integrations for Shopify, BigCommerce, WooCommerce, Magento 2, QuickBooks, Xero, Sage Intacct, and NetSuite. Most teams go live in under one week. Exact timing depends on your integration and workflow requirements.

What types of businesses benefit most from Resolve Pay's platform?

Resolve Pay serves mid-market B2B sellers with typically $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. Primary customers include HVAC parts distributors, electrical and plumbing supplies, industrial equipment manufacturers, and construction materials suppliers. The platform works particularly well for businesses extending net terms through e-commerce channels where native integrations accelerate deployment.

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.