Selecting the right financial solution for B2B operations can shape your company's cash flow trajectory and competitive positioning. Versapay focuses on accounts receivable automation for enterprise teams, while Clearco provides revenue-based financing and supplier invoice funding for ecommerce businesses. Resolve Pay delivers a combined approach with net terms financing, AR automation, and non-recourse protection designed specifically for B2B manufacturers, distributors, and wholesalers.
Understanding these fundamental differences helps mid-market companies select the platform that matches their operational model, financing needs, and growth objectives. While Versapay streamlines invoice-to-cash processes and Clearco addresses seller working capital, Resolve Pay combines buyer credit assessment, advance payments on eligible approved invoices, and automated receivables management in one integrated platform.
B2B businesses use different financial solutions to manage receivables, access working capital, and support customer payment terms. Versapay, Clearco, and Resolve Pay represent three approaches that address different operational needs.
AR automation platforms like Versapay focus on streamlining invoice-to-cash operations. They support invoice management, payment portals, cash application, and collections workflows, helping finance teams reduce manual processes and improve visibility into outstanding receivables.
These capabilities improve operational efficiency, while working capital and buyer financing arrangements remain separate considerations.
Revenue-based financing providers like Clearco offer capital based on a business's revenue performance and financial information. Clearco also provides supplier invoice funding, allowing eligible ecommerce businesses to finance approved vendor payments.
This model focuses on the seller's funding needs rather than extending trade credit to the seller's business customers.
Resolve Pay combines net terms financing, AI-powered buyer credit assessment, and AR automation within a single B2B payments platform.
Sellers can offer approved buyers Net 30/60/90 terms while receiving advance payments on eligible approved invoices, generally within 1-2 business days. Resolve Pay also provides non-recourse protection against covered buyer defaults, subject to program terms.
For manufacturers, distributors, and wholesalers, this integrated approach helps improve cash flow, manage buyer credit risk, and streamline receivables without coordinating separate financing and AR management solutions.
Versapay positions itself as an AR automation platform helping mid-market and enterprise teams streamline invoice-to-cash processes. Founded in 2006, the platform has been adopted by thousands of businesses seeking receivables workflow improvements.
The platform provides operational systems for accounts receivable teams, including invoice management, payment portals, cash application, and collections workflows. Versapay helps AR staff organize daily activities through better workflow management and visibility.
Versapay's platform includes:
Versapay's implementation timeline depends on ERP requirements, configuration, and onboarding complexity. The platform focuses on enterprise AR operations with deep ERP integration requirements.
Versapay serves businesses that:
Clearco provides revenue-based financing and supplier invoice funding for eligible ecommerce businesses. Founded in 2015, the company evaluates eligible businesses using connected revenue and financial data.
The platform offers Cash Advance and Invoice Funding products, with repayment obligations generally managed through capped weekly payment schedules. Clearco's financing arrangements use disclosed funding terms and repayment schedules, with options depending on the approved product and business eligibility.
Clearco's offerings include:
Funding agreements generally use capped weekly payment schedules linked to revenue. Repayment terms depend on the approved funding agreement and selected product.
Clearco serves businesses that:
Resolve Pay operates as a B2B payments platform enabling manufacturers, distributors, and wholesalers to offer net payment terms while receiving advance payments and reducing exposure to covered buyer credit defaults. The platform provides advance payments on eligible approved invoices, generally within 1-2 business days, while approved buyers can pay on Net 30/60/90 terms.
The AI-powered credit assessment combines proprietary models, buyer data, and underwriting expertise to support efficient credit decisions. Some applications may qualify for instant decisions, while others require additional verification or underwriting review. This helps sellers extend competitive payment terms without building in-house credit departments.
Resolve Pay's platform includes:
Resolve Pay supports B2B businesses through integrations with:
Implementation timelines depend on onboarding and integration requirements, with available integrations supporting major business systems.
Resolve Pay serves B2B manufacturers, distributors, and wholesalers that:
Resolve Pay serves over 15,000 businesses with documented success:
The three platforms address working capital differently based on their target markets and operational models.
Resolve Pay provides advance payments on eligible approved customer invoices while managing buyer credit assessment and receivables workflows. This approach helps B2B sellers offer payment terms to approved buyers while accessing working capital faster.
Versapay focuses on receivables automation and payment management workflows without providing invoice financing. Finance teams using Versapay manage credit decisions and maintain cash flow arrangements separately.
Clearco focuses on working capital and supplier invoice funding for eligible ecommerce businesses. The platform evaluates and funds the seller's business rather than underwriting the seller's customers for B2B trade credit.
Resolve Pay combines AI-powered buyer credit assessment with automated invoicing, payment reminders, multi-channel collections, and reconciliation. The integrated approach helps sellers manage buyer terms, advance payments, and receivables workflows together.
Versapay provides workflow-based automation including invoice delivery, payment portals, cash application, and collections task management. The platform helps established AR teams organize existing processes.
Clearco does not provide B2B receivables management or customer-facing collections as its primary focus addresses seller financing rather than buyer payment terms.
Resolve Pay helps sellers manage credit risk through AI-supported buyer assessments and non-recourse protection against covered buyer defaults on eligible approved financed invoices, subject to program terms. This generally shifts covered buyer default risk on eligible approved financed invoices to Resolve Pay.
Versapay supports collections workflows but does not assess buyer credit or provide financing arrangements. Buyer credit exposure depends on the seller's existing credit management processes.
Clearco evaluates seller businesses for funding eligibility rather than assessing B2B buyer creditworthiness. The seller maintains repayment obligations according to the approved funding agreement.
Resolve Pay supports ecommerce, accounting, and ERP integrations including Shopify, QuickBooks Online, NetSuite, Xero, and Sage Intacct. Implementation timelines depend on the business's setup and integration requirements.
Versapay emphasizes ERP-connected workflows with native integrations for NetSuite, Sage Intacct, Microsoft Dynamics, and Acumatica. Implementation depends on integration complexity, configuration, and onboarding requirements.
Clearco connects to ecommerce platforms and payment processors for revenue tracking and business evaluation. Application review depends on eligibility and documentation completion.
Resolve Pay helps manufacturers, distributors, and wholesalers offer Net 30/60/90 payment terms to approved business buyers while receiving advance payments on eligible approved invoices. This approach allows sellers to support buyer purchasing flexibility without waiting through the full payment period to access working capital.
Resolve Pay combines AI-powered buyer credit assessment with non-recourse protection against covered buyer defaults on eligible approved financed invoices, subject to program terms. The platform helps sellers evaluate customers and manage credit exposure while maintaining direct business relationships.
Resolve Pay brings together credit assessment, net terms financing, invoice management, payment processing, reminders, and collections workflows. This helps finance teams reduce manual coordination between separate receivables and financing processes.
Resolve Pay supports ecommerce checkout, traditional invoicing, field sales, and other B2B transaction workflows. Integrations with accounting, ERP, and ecommerce platforms help businesses incorporate net terms into existing operations without requiring separate point solutions.
For B2B manufacturers, distributors, and wholesalers, effective cash flow management requires more than automating invoices or accessing general working capital. Businesses need practical ways to:
Resolve Pay addresses these requirements through an integrated B2B payments platform combining AI-powered credit assessment, non-recourse invoice financing on eligible approved transactions, automated collections, and connected payment workflows.
By allowing approved buyers to pay on Net 30/60/90 terms while eligible sellers receive advance payments sooner, Resolve Pay helps businesses improve working capital availability, manage buyer credit risk, and support sustainable B2B sales growth.
Resolve Pay combines AR automation with buyer credit assessment, net terms financing, and non-recourse protection on eligible approved financed invoices. Businesses can manage invoicing, payment reminders, collections, and reconciliation while accessing working capital on qualifying transactions. This integrated approach helps manufacturers, distributors, and wholesalers support flexible buyer payment terms while maintaining cash flow.
Resolve Pay generally serves B2B businesses with at least $1 million in annual revenue, particularly manufacturers, distributors, and wholesalers. Eligibility depends on the seller's business profile and program requirements. Buyer credit applications are evaluated separately, and individual credit limits and financing approvals remain subject to underwriting and verification procedures.
Resolve Pay offers non-recourse financing on eligible approved invoices, generally protecting sellers from repayment obligations arising solely from covered buyer defaults, subject to program terms. This helps businesses reduce exposure to certain customer payment risks while maintaining access to working capital. Traditional invoice arrangements may involve different risk structures depending on the agreement.
Important capabilities include automated invoicing, buyer credit assessment, payment reminders, collections workflows, reconciliation, payment portals, and accounting integrations. Businesses offering extended terms may also benefit from invoice financing and non-recourse protection. Resolve Pay's integrated platform combines these functions to help B2B sellers simplify receivables management and improve cash flow.
Resolve Pay generally provides advance payments within 1-2 business days on eligible approved invoices, subject to program requirements. Buyers can receive approved Net 30/60/90 payment terms, allowing sellers to access working capital before the full buyer payment period ends. Implementation and onboarding timelines vary according to integration requirements and business complexity.
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.