Versapay vs CAN Capital

Choosing between AR automation software and traditional business financing represents two fundamentally different approaches to solving B2B cash flow challenges. While Versapay provides accounts receivable automation for invoice management and CAN Capital offers working capital loans for general business needs, Resolve Pay delivers net terms financing combined with comprehensive AR automation that accelerates seller cash flow while reducing exposure on eligible approved financed invoices. Understanding these distinctions helps manufacturers, distributors, and wholesalers select the solution that actually addresses their cash flow constraints and operational efficiency goals.

The B2B payments and financing landscape includes AR platforms that streamline invoice workflows, traditional lenders that provide general capital, and net terms financing solutions that convert receivables into immediate cash. Each serves different needs: Versapay focuses on process automation, CAN Capital provides general working capital loans, and Resolve Pay combines buyer credit decisioning with invoice advances and AR automation in one platform.

Key Takeaways

• Resolve Pay combines non-recourse financing on eligible approved invoices with AR automation, helping sellers accelerate cash flow within 1-2 business days while Versapay focuses on invoice-to-cash automation and CAN Capital provides general business financing
• Versapay operates as an AR automation platform serving 10,000+ customers with a 5 million business payment network, focusing on streamlining invoice delivery, collections, and cash application
• CAN Capital has deployed $8.9 billion to 90,000+ merchants over 28 years, offering working capital loans from $2,500 to $400,000 that businesses can use for equipment, inventory, or general operational needs
• Resolve Pay provides AI-powered credit decisioning with qualified ecommerce transactions eligible for real-time decisions and other credit assessments generally completed within 24 business hours
• Resolve Pay supports native integrations with Shopify, BigCommerce, WooCommerce, and Magento for B2B checkout, addressing manufacturers, distributors, and wholesalers selling through digital channels
• Resolve Pay's non-recourse structure on eligible approved financed invoices helps protect sellers from qualifying buyer-default exposure while maintaining competitive net payment terms

Understanding the B2B Cash Flow Landscape

The B2B payments and financing market includes several solution categories designed for different operational needs. The Federal Reserve Payments Study tracks how U.S. consumers and businesses use payment methods such as ACH, cards, and checks, while the SBA's business loan guidance illustrates how SBA-backed financing supports business needs ranging from daily operations to equipment purchases. Against that broader landscape, AR automation, general business financing, and net terms financing address different parts of the B2B cash-flow cycle.

AR Automation Platforms

Platforms like Versapay function as software systems that streamline invoice-to-cash workflows. These platforms automate:

• Invoice delivery and tracking
• Payment reminder sequences
• Cash application and reconciliation
• Collections workflow management

The value proposition centers on reducing manual AR work and improving visibility into receivables. However, AR automation alone does not advance invoice proceeds, so seller cash timing continues to depend on agreed payment terms and when buyers pay. When customers pay late or default, the seller absorbs the impact.

Traditional Business Lenders

Solutions like CAN Capital provide working capital through loans and merchant cash advances. These solutions deliver general-purpose funds that businesses can use for:

• Payroll and operational expenses
• Inventory purchases
• Equipment financing
• Marketing campaigns

The funds arrive quickly, often within one business day. However, these loans create repayment obligations that add to the balance sheet, and they don't specifically address the timing mismatch between offering net terms and needing immediate cash from those specific invoices.

Net Terms Financing Platforms

Platforms like Resolve Pay represent a different approach entirely. Rather than automating the wait for payment or adding debt through loans, Resolve Pay can advance approved invoices within 1-2 business days while buyers maintain their 30-90 day payment terms. The non-recourse structure on eligible approved financed invoices means Resolve Pay assumes qualifying buyer-default risk under the applicable program terms.

This model addresses the fundamental cash flow challenge that net terms create: competitive pressure requires offering deferred payment terms, but those terms create cash flow gaps. AR automation makes waiting more efficient but doesn't eliminate the wait. General loans provide capital but create debt. Net terms financing directly converts receivables to immediate cash while transferring qualifying credit risk away from the seller.

Versapay

Versapay's Approach to AR Automation

Versapay positions itself as an accounts receivable automation platform focused on streamlining the invoice-to-cash cycle. Founded in 2006 and headquartered in Miami, the platform serves 10,000+ customers with a payment network spanning 5 million businesses processing over $170 billion in annual payment volume.

Core Capabilities

The platform's capabilities include:

• Digital invoicing with automated delivery and tracking
• Cash application automation with straight-through processing rates
• Collections workflow management with task automation and reminder sequences
• Collaborative customer portal enabling buyer-seller communication and dispute resolution
• Deep ERP integrations including JD Edwards, Microsoft Dynamics 365, Sage X3, and NetSuite

Versapay earns solid user satisfaction scores, with a 4.1/5 rating on G2 from 101 reviews and a 4.4/5 rating on Capterra from 29 reviews. Users frequently praise the clean interface, automation from invoicing through cash application, and responsive customer support.

How Versapay Differs from Resolve Pay

Versapay focuses on invoice-to-cash automation rather than advancing sellers' funds against approved invoices. Seller cash timing therefore continues to depend on the payment terms extended to buyers and when those invoices are paid. The platform doesn't advance funds, doesn't assume credit risk, and doesn't address the cash timing gap that net terms create.

Versapay's strength lies in enterprise ERP integration depth and the scale of its payment network. Implementation timelines for enterprise AR platforms vary based on system complexity, integrations, and deployment scope.

CAN Capital

CAN Capital's Role in Small Business Lending

CAN Capital operates as a traditional alternative lender focused on small business working capital. Founded in 1998, the company brings 28 years of lending experience and has funded 90,000+ merchants with $8.9 billion in total capital deployed.

Financing Products

The company offers two primary financing products:

• Working capital loans ranging from $2,500 to $400,000 with terms up to 21 months
• Equipment financing up to $250,000 with terms extending to 72 months

CAN Capital's value proposition centers on speed and accessibility. Businesses can typically receive funding as soon as the next business day after approval. The application process moves faster than traditional bank loans, making CAN Capital relevant for businesses that need capital quickly for general operational needs.

CAN Capital focuses on working capital loans and equipment financing for businesses seeking general-purpose funding. Its application and underwriting process is designed around business financing rather than invoice-specific AR automation.

How CAN Capital Differs from Resolve Pay

CAN Capital provides general working capital loans and equipment financing for business expenses and investments. Resolve Pay is structured around B2B sales on net terms, connecting buyer credit assessment, invoice advances, payments, AR automation, and collections to the seller's credit-to-cash workflow.

CAN Capital's financing creates repayment obligations. Unlike non-recourse invoice financing, these loans add to the balance sheet and require regular payments regardless of how individual customer invoices perform. The funds can be used for any business purpose, providing flexibility but not specifically addressing invoice timing or credit risk concerns.

Resolve Pay

Resolve Pay's Approach to Net Terms and AR Automation

Resolve Pay operates as a B2B payments platform that enables manufacturers, distributors, and wholesalers to offer net payment terms while accelerating cash flow and reducing exposure on eligible approved financed transactions. Resolve Pay was spun out from Affirm in 2018 and now serves more than 15,000 B2B businesses with net terms, credit decisioning, AR automation, payments, and collections.

Core Capabilities

The platform combines three capabilities within one connected B2B credit-to-cash workflow:

Non-Recourse Net Terms Financing

Resolve Pay can advance approved invoices within 1-2 business days while buyers maintain their 30, 60, or 90-day payment terms. The non-recourse structure on eligible approved financed invoices means Resolve Pay assumes qualifying buyer-default risk under the applicable program terms. This approach differs from both Versapay (no financing) and CAN Capital (recourse loans creating debt).

AI-Powered Credit Decisioning

Resolve Pay's proprietary credit engine evaluates thousands of buyer data points, including cash flow trends and behavioral signals, to generate dynamic credit decisions. Qualified ecommerce transactions may receive real-time decisions, while more involved credit assessments are generally completed within 24 business hours. Resolve Pay conducts credit checks discreetly without notifying buyers or affecting their personal credit scores.

Sales teams can approve net terms quickly rather than waiting days for manual underwriting, enabling them to close deals during live customer conversations.

Comprehensive AR Automation

The platform automates invoice generation, payment reminders, reconciliation, and collections. Customers report AR workload reductions up to 90%. The agentic collections system uses multi-channel automated sequences across email, SMS, and voice AI with intelligent escalation based on buyer response patterns. This preserves customer relationships through professional, friendly communication.

Native E-Commerce Integrations

Resolve Pay supports ecommerce checkout integrations that let eligible B2B buyers apply for net terms within supported storefront workflows. The platform won the 2025 BigCommerce Innovative Integration Award for native integrations with Shopify, BigCommerce, WooCommerce, and Magento.

Resolve Pay is SOC 2 Type II attested, reflecting an independently audited approach to security controls. The platform earns a perfect 5.0/5 rating on G2.

Implementation and Integrations

Resolve Pay is designed for rapid deployment, with many teams launching within days or under a week depending on integration requirements. The platform connects with supported accounting, ERP, and ecommerce systems to streamline invoice, payment, and reconciliation workflows.

The platform integrates with QuickBooks, Xero, Sage Intacct, and NetSuite for two-way sync of invoice and payment data. A REST API with webhooks supports custom integrations for businesses with specific technical requirements.

Comparing Core Capabilities: Versapay vs CAN Capital vs Resolve Pay

Cash Flow Impact

The fundamental difference between these three solutions lies in how they affect seller cash flow:

Versapay automates invoice-to-cash processes, while seller cash timing continues to depend on the payment terms extended to buyers and when invoices are paid. The platform improves efficiency but doesn't eliminate the wait for payment.

CAN Capital provides immediate capital through loans, but these funds create repayment obligations. Businesses receive cash today but owe it back over time with financing charges, regardless of how individual invoices perform.

Resolve Pay can advance approved invoices within 1-2 days on a non-recourse basis for eligible transactions. Sellers receive immediate liquidity tied directly to their sales volume without creating debt. If approved buyers default on qualifying financed invoices, Resolve Pay absorbs the loss under the applicable program terms.

Credit Risk Management

Credit risk represents a critical concern for B2B sellers extending net terms:

Versapay operates as software only. The platform may help collect faster, but when customers default, sellers absorb the loss.

CAN Capital doesn't address invoice-specific credit risk. Loans provide general capital but don't protect against customer defaults. If a major customer fails to pay, the seller still owes CAN Capital the loan balance.

Resolve Pay helps reduce credit risk on eligible approved financed invoices through its non-recourse financing structure. The AI credit engine evaluates buyers before approval, and Resolve Pay assumes qualifying default risk on approved transactions under program terms.

AR Automation Depth

All three solutions approach AR automation differently:

Versapay provides comprehensive AR automation as its core offering. The platform handles invoice delivery, cash application (90% straight-through rates), collections workflows, and ERP integration. This represents Versapay's primary value proposition.

CAN Capital provides no AR automation. The platform offers financing products only, with no software for invoice management, payment reminders, or collections.

Resolve Pay includes full accounts receivable automation as part of its integrated platform. AI-powered invoice generation, smart payment reconciliation, automated reminders, and agentic collections combine with financing capabilities. Users report up to 90% reductions in AR workload while also gaining faster access to cash.

Integration Ecosystem

Platform integrations determine how solutions fit into existing tech stacks:

Versapay offers deep enterprise ERP integration with JD Edwards, Microsoft Dynamics 365, Business Central, NetSuite, and Sage. This makes Versapay suitable for large organizations using legacy ERP systems. However, e-commerce platform integration remains limited.

CAN Capital provides no software integrations. As a lending product rather than a software platform, CAN Capital doesn't connect to ERP systems, accounting software, or e-commerce platforms.

Resolve Pay integrates with QuickBooks, Xero, Sage Intacct, and NetSuite for accounting. Native e-commerce integrations cover Shopify, BigCommerce, WooCommerce, and Magento. A REST API with webhooks supports custom integrations. This combination serves mid-market B2B sellers operating both online and offline sales channels.

Real Results: How Businesses Benefit from Net Terms Financing

Customer outcomes demonstrate the tangible impact of combining net terms financing with AR automation:

Revenue Growth

• Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours and offering 20x higher credit lines
• SS&SI Dealer Network achieved 5x revenue growth through Resolve Pay's net terms program
• ConEquip (construction equipment) experienced 30% year-over-year growth
• Nandansons achieved 75% growth after implementing the platform

Margin Improvement

• Elston Materials (concrete supplier) increased margins from 25% to 30%, a 5-point improvement, by offering net terms previously unavailable
• Shields Childcare Supplies won new business by offering Net 90 terms

Operational Efficiency

• Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours
• RentAll Construction reports quicker receivables contributing to healthier cash flow management
• TrueCable experiences response times under 24 hours on credit approvals

These results share common patterns: sellers gain competitive advantage by offering net terms without cash flow strain, operations teams reclaim time previously spent on manual AR work, and businesses grow confidently with reduced exposure on eligible approved financed transactions.

Why Resolve Pay Fits B2B Sellers

For manufacturers, distributors, wholesalers, and other B2B sellers, Resolve Pay brings buyer credit decisioning, net terms, invoice advances, AR automation, payments, and collections into one connected workflow.

Resolve Pay is particularly relevant for sellers that:

• Want to offer competitive net payment terms while maintaining stronger cash flow
• Need faster access to cash from eligible approved invoices
• Want non-recourse protection on eligible approved financed transactions
• Sell through B2B ecommerce or traditional sales channels
• Need AR automation alongside financing and credit decisioning
• Want integrations across supported ecommerce, ERP, and accounting systems
• Prefer a connected platform for net terms, AR automation, payments, and collections

The platform's foundation as an Affirm spinout, built by teams from Affirm, PayPal, and Amazon, brings consumer BNPL expertise to B2B commerce. This heritage shows in the seamless e-commerce integrations and rapid credit decisioning that distinguish Resolve Pay's approach.

Explore how net terms financing combined with AR automation can transform your B2B cash flow and competitive positioning.

Frequently Asked Questions

How does Resolve Pay's non-recourse financing differ from traditional invoice factoring?

Invoice factoring can be structured as either recourse or non-recourse, depending on the provider and agreement. Resolve Pay uses a non-recourse structure for eligible approved financed invoices, meaning qualifying buyer-default risk is assumed by Resolve Pay under the applicable program terms. Resolve Pay also combines this financing with buyer credit decisioning, AR automation, payments, and collections in one platform.

Who Is Resolve Pay Designed For?

Resolve Pay is designed primarily for B2B sellers such as manufacturers, distributors, wholesalers, and other businesses that extend payment terms to commercial buyers. Resolve Pay's eligibility guidance generally targets businesses with at least $1 million in annual B2B revenue. The platform combines buyer credit decisioning, net terms financing, AR automation, payments, and collections to support sellers managing credit-to-cash workflows.

What types of businesses benefit most from offering net payment terms?

Manufacturers, distributors, and wholesalers selling to other businesses gain competitive advantage through net terms. Industries including HVAC parts distribution, electrical supplies, plumbing supplies, industrial equipment, medical devices, construction materials, and foodservice equipment commonly extend Net 30, 60, or 90 payment terms. These businesses face the challenge of buyers expecting payment flexibility while sellers need cash to fund operations.

How quickly can a business access cash using Resolve Pay?

Resolve Pay can advance approved invoices within 1-2 business days. Qualified ecommerce transactions may receive real-time credit decisions, while other credit assessments are generally completed within 24 business hours. Implementation typically completes within days or under a week depending on integration requirements, meaning businesses can start receiving advances quickly after onboarding.

Does Resolve Pay integrate with popular e-commerce and accounting platforms?

Yes. Resolve Pay provides native integrations with Shopify, BigCommerce, WooCommerce, and Magento for B2B e-commerce checkout. The platform won the 2025 BigCommerce Innovative Integration Award for this capability. Accounting integrations include QuickBooks, Xero, Sage Intacct, and NetSuite with two-way sync for invoice and payment data. A REST API with webhooks supports custom integrations for businesses with specific technical requirements.

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.