Selecting the right B2B financing solution determines whether a business thrives or struggles with cash flow constraints. TreviPay serves as enterprise-grade B2B payment infrastructure for global operations, Square Loans provides working capital for small merchants within the Square ecosystem, and Resolve Pay delivers net terms financing that enables mid-market B2B suppliers to offer payment terms to customers while accelerating cash flow and reducing credit risk on eligible approved invoices. The Federal Reserve Payments Study tracks developments in noncash payments, including checks, ACH transfers, and cards, providing context for evolving commercial payment workflows. Understanding these fundamental differences helps manufacturers, distributors, and wholesalers select the approach that matches their growth objectives, customer base, and operational requirements in a B2B commerce environment where payment flexibility can influence purchasing decisions.
The B2B financing market encompasses three distinct categories that serve different operational models and business objectives. Understanding these fundamental differences helps revenue leaders select tools aligned with their growth stage and execution capacity.
Enterprise B2B Payment Infrastructure represents platforms like TreviPay that serve as comprehensive payment networks for large organizations. These solutions handle complex global operations including multi-currency invoicing, dealer network management, and omnichannel payment acceptance across online, in-store, and field sales channels.
Small Business Working Capital describes solutions like Square Loans that provide merchant financing based on existing payment processing relationships. These loans help small businesses access cash for operations, inventory, or expansion, with repayment through a percentage of daily card sales.
B2B Net Terms Platforms represent solutions like Resolve Pay that enable suppliers to offer Net 30, 60, or 90 payment terms to business buyers while accelerating payment on eligible approved invoices. This category combines credit decisioning, invoice financing, AR automation, and collections management into integrated platforms designed for mid-market B2B commerce.
The distinction matters because businesses searching for B2B financing solutions often confuse these categories. A wholesale distributor seeking to offer net terms to contractors needs a fundamentally different solution than a retail merchant needing working capital or an enterprise requiring global payment infrastructure.
TreviPay positions itself as enterprise B2B payment infrastructure with over 40 years of experience in the market. The platform serves large organizations requiring comprehensive payment networks that span multiple countries, currencies, and sales channels.
The platform's core capabilities include:
TreviPay's implementation depends on system complexity and configuration. Standard setups can be completed relatively quickly, while highly customized integrations may take several months. The platform works with companies requiring international B2B payment infrastructure, with custom enterprise agreements tailored to each organization.
TreviPay provides omnichannel payment acceptance including online commerce through major platforms, in-store transactions through POS integration, phone and field sales orders, and AP system integration with Coupa, Ariba, and other procurement platforms. This channel coverage is designed for organizations managing B2B transactions across multiple sales environments.
Square Loans serves a fundamentally different purpose than B2B net terms platforms. Rather than enabling businesses to offer payment terms to customers, Square Loans provides working capital to merchants already using Square's payment processing services.
The program operates through eligibility-based offers, meaning businesses cannot proactively apply. Square evaluates merchants based on their payment processing history and extends loan offers to those meeting internal criteria.
Key characteristics include:
Square Loans and Resolve Pay address different financing needs.
Merchant Working Capital: Square Loans provides capital to an eligible Square merchant for the merchant's own business needs. Resolve Pay instead supports a seller's customer payment-term workflow.
Square Ecosystem: Eligibility for Square Loans is based on the merchant's Square relationship and business performance. Resolve Pay integrates with B2B ecommerce, accounting, and ERP systems used in supplier credit-to-cash workflows.
Different Credit Workflows: Square Loans evaluates the merchant for a business loan. Resolve Pay combines buyer credit decisioning with net terms, receivables financing, AR automation, payments, and collections.
For B2B suppliers focused on extending customer payment terms and managing receivables, Resolve Pay is purpose-built around that workflow.
Resolve Pay delivers a fundamentally different solution than either TreviPay or Square Loans. The platform enables manufacturers, distributors, and wholesalers to offer Net 30, 60, or 90 payment terms to business buyers while accelerating access to cash and reducing credit risk exposure on eligible approved invoices.
The platform serves 15,000+ businesses with a focus on mid-market B2B suppliers in industries including HVAC distribution, electrical supplies, industrial equipment, medical devices, and construction materials. Resolve Pay is designed for eligible B2B sellers with $1M+ annual B2B revenue.
Net Terms Financing: Sellers can offer deferred payment terms to approved buyers while Resolve advances eligible invoice value based on the applicable program, with some approved invoices eligible for advances up to 100%. Funding timing and advance amounts depend on eligibility and program terms. Resolve's non-recourse structure can protect sellers from repayment obligations arising solely from covered buyer credit defaults on eligible approved financed invoices, subject to program terms.
AI Credit Engine: Proprietary AI evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. Credit decisions arrive in under 24 hours, with instant approvals available for certain purchase thresholds. This replaces manual trade reference calls and spreadsheet-based credit tracking.
AR Automation: The platform automates invoice generation, payment reminders, reconciliation, and bookkeeping sync with QuickBooks, Xero, Sage Intacct, and NetSuite. Customers report 90% reduction in AR workload after implementation.
Agentic Collections: Multi-channel automated sequences spanning email, SMS, and AI-powered voice calls handle payment follow-ups with intelligent escalation based on buyer response patterns. The system preserves customer relationships through professional communication while reducing days sales outstanding.
White-Labeled Payment Portal: Branded buyer dashboards show all invoices, credit lines, and payment history while accepting ACH, wire transfer, credit card, and check payments. The experience maintains the seller's brand throughout the buyer journey.
Resolve Pay's implementation timeline stands in contrast to varying enterprise alternatives. Most teams using supported integrations go live in under one week, with:
The platform earned the 2025 BigCommerce Innovative Integration Award and is SOC 2 Type II attested.
Resolve Pay customers report measurable business outcomes:
The three platforms handle credit risk fundamentally differently, with significant implications for seller cash flow and liability exposure.
TreviPay offers credit risk protection that varies by program structure. The platform evaluates buyers and specific terms depend on custom enterprise agreements. For large organizations with sophisticated treasury operations, this flexibility enables tailored risk-sharing arrangements.
Square Loans places repayment responsibility on the merchant. The loan represents working capital for the borrower's operations, and Square deducts repayment from daily card sales. If a merchant's customers pay late or default, the merchant still owes the full loan amount.
When an eligible approved invoice is financed through Resolve Pay, its non-recourse structure can protect the seller from repayment obligations arising solely from a covered buyer credit default, subject to program terms and transaction requirements.
This protection can help sellers:
The AI Credit Engine's role becomes critical here. By evaluating thousands of buyer data points in real time, Resolve makes informed approval decisions that minimize default rates while maximizing seller sales opportunities.
TreviPay provides extensive enterprise integration capabilities including major enterprise ERPs through custom implementations, EDI and XML-based ordering systems, AP platforms including Coupa and Ariba, e-commerce platforms like BigCommerce and Salesforce Commerce Cloud, and custom API development for proprietary systems. The breadth of integration options supports complex enterprise environments.
Square Loans are available to eligible merchants that process payments through Square. Loan offers, repayment deductions, and account information are managed through the merchant's Square account, while other Square products may support separate business operations. The tight ecosystem integration delivers seamless experiences for Square-native businesses.
Resolve Pay offers pre-built native integrations designed for B2B commerce operations:
E-commerce Platforms:
Accounting and ERP Systems:
Payment Processing:
The two-way synchronization eliminates manual data entry between systems. Invoices created in the ERP automatically sync to Resolve, and payment data flows back for automatic reconciliation.
TreviPay, Square Loans, and Resolve Pay address different financial workflows. TreviPay focuses on managed B2B payments and receivables programs for complex organizations, while Square Loans provides working capital to eligible Square merchants.
Resolve Pay brings together the capabilities eligible mid-market B2B suppliers need to manage net terms more efficiently:
For manufacturers, distributors, and wholesalers seeking to expand payment terms while protecting cash flow and reducing manual receivables work, Resolve Pay provides an integrated credit-to-cash approach designed around B2B seller workflows. The platform combines AR automation with buyer credit decisioning and non-recourse invoice financing, addressing the complete order-to-cash cycle in one system.
Businesses evaluating Resolve Pay should review their current accounting, ERP, ecommerce, invoicing, and credit workflows before implementation.
Resolve Pay supports pre-built integrations with common B2B systems and also provides API-based integration options. Standard deployments can often launch within days, although timing depends on the systems involved and the required configuration.
Businesses moving from a merchant working-capital product are not replacing an equivalent financing workflow. Resolve Pay instead introduces customer net terms, buyer credit decisioning, receivables financing, AR automation, payments, and collections into the seller's credit-to-cash process.
TreviPay provides enterprise B2B payment infrastructure enabling businesses to offer trade credit to customers across global operations, while Square Loans provides working capital loans to merchants based on their Square payment processing history. TreviPay helps businesses extend payment terms to customers; Square Loans helps businesses borrow money for their own operations. These serve fundamentally different needs.
No. Square Loans provides working capital for your business operations, not infrastructure for extending payment terms to customers. The loan goes to your business, with automatic repayment through a fixed percentage of daily Square card sales and applicable minimum payment requirements. If you need to offer Net 30, 60, or 90 terms to business buyers while accelerating payment on eligible approved invoices, Resolve Pay combines net terms financing with credit and AR workflows.
Implementation timelines vary by platform and configuration. TreviPay states that standard setups can be completed relatively quickly, while highly customized integrations may take several months. Square Loans funding follows its own loan application and approval process for eligible Square merchants. Resolve Pay standard implementations commonly launch within days through supported integrations.
With TreviPay, credit risk protection varies by program structure and requires custom enterprise agreements. With Square Loans, you remain fully responsible for loan repayment regardless of your customers' payment behavior. When an eligible approved invoice is financed through Resolve Pay, its non-recourse structure can protect the seller from repayment obligations arising solely from a covered buyer credit default, subject to program terms.
Resolve Pay provides native two-way integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform also connects with e-commerce platforms including Shopify, BigCommerce, Magento, and WooCommerce. These integrations enable automatic invoice synchronization, payment reconciliation, and bookkeeping updates without manual data entry between systems.
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.