Oct 15, 2026
When B2B sellers search for solutions to improve cash flow, they often encounter two very different types of companies: AR automation platforms like Versapay and business financing providers like Kapitus. While both touch the financial operations of growing businesses, they serve fundamentally different purposes. Versapay focuses on accounts receivable software that helps finance teams manage invoice-to-cash workflows, while Kapitus connects businesses with several financing options offered directly or through its financing network. For mid-market distributors, manufacturers, and wholesalers who want to offer competitive net terms without straining cash flow or taking on traditional financing obligations, Resolve Pay offers a third path that combines credit decisioning, AR automation, and advance payment capabilities in a single integrated platform.
Key Takeaways
- Versapay and Kapitus serve fundamentally different business needs, with Versapay offering AR automation software and Kapitus providing access to business financing products, making direct comparison challenging
- Resolve Pay uniquely combines net terms financing, AR automation, and advance payment capabilities in one integrated platform, eliminating the need to choose between software and financing solutions
- Non-recourse financing through Resolve Pay means sellers receive up to 90-100% of invoice value within 1-2 business days while the platform assumes credit risk on eligible approved buyers
- Resolve Pay's AI-powered credit engine delivers real-time buyer approvals, reducing credit decision timelines from 10 days to under 24 hours for companies like Archipelago Lighting
- Implementation timelines depend on configuration requirements, while Resolve Pay states that most teams launch in under one week with native integrations to major e-commerce and accounting platforms
Understanding the Versapay and Kapitus Comparison
The comparison between Versapay and Kapitus requires understanding that these companies operate in entirely separate categories of business finance. Versapay positions itself as collaborative AR automation software that helps finance teams manage invoice-to-cash workflows. Kapitus provides access to business financing options, including business loans, lines of credit, and equipment financing, with some products provided through its financing network.
This fundamental mismatch means businesses searching for solutions often find themselves comparing apples to oranges. A company needing to automate collections would approach that differently than addressing immediate working capital needs. The platforms serve different stages and aspects of business financial operations.
For B2B sellers, an additional question is how to offer competitive net terms while maintaining predictable access to cash. Resolve Pay is designed around this credit-to-cash use case, connecting buyer credit approval, invoice advances, AR automation, and collections within one workflow.
Versapay
What Versapay Provides
Versapay operates as accounts receivable automation software designed to help mid-market finance teams manage their invoice-to-cash processes. The platform provides a collaborative AR portal where buyers and sellers can interact on invoice management, dispute resolution, and payment processing.
Key capabilities include:
- Invoice generation and automated payment reminders
- Customer self-service portal for viewing and paying invoices
- Cash application automation using machine learning
- Integration with enterprise ERP systems including Microsoft Dynamics 365, Sage Intacct, and Oracle NetSuite
- Payment acceptance across multiple methods including ACH and credit cards
The platform has earned recognition for streamlined payment processing and ease of use. Users particularly value the customer self-service portal functionality and ERP integration capabilities.
Versapay's Approach to AR
Versapay's strength lies in helping existing AR teams work more efficiently. The software organizes workflows, automates routine tasks, and provides visibility into payment status. The platform operates as a productivity tool that helps teams configure, manage, and execute collection strategies.
Versapay describes its cloud platform as highly configurable with relatively minimal IT involvement for core implementation. Its published materials indicate that customers can get its AR automation software live in weeks, although timelines vary by integration and deployment requirements. The platform is offered as an ongoing software solution for accounts receivable operations.
Versapay concentrates on AR automation, payment workflows, customer collaboration, and cash application. Resolve Pay adds net terms financing and credit-risk management to its AR automation capabilities, creating a different model for B2B sellers that want to extend payment terms.
Kapitus
What Kapitus Provides
Kapitus provides small and medium businesses with access to several types of financing. Depending on the product, financing may be offered by Kapitus, affiliated entities, or members of its financing network.
Key financing options include:
- Business loans with repayment terms that vary by offer
- Lines of credit for ongoing working capital needs
- Equipment financing for specific asset purchases
- SBA loans offered through participating financing partners
- Revenue-based financing
- Invoice factoring and purchase order financing through its financing network
Kapitus has maintained strong business ratings and earned recognition for fast funding timelines. The company offers dedicated account managers and multiple financing options to match different business situations.
Kapitus's Financing Model
Kapitus provides access to several financing structures, including business loans, lines of credit, equipment financing, and revenue-based financing. The repayment structure, underwriting requirements, collateral requirements, and financing source vary according to the financing product and individual offer.
The application process evaluates the business's financial profile and qualifications for specific financing products. Financing terms vary by product, underwriting profile, and financing offer, so businesses should review the applicable repayment structure before proceeding.
For companies needing immediate capital for inventory purchases, equipment, or operational expenses, Kapitus provides access to several financing sources. Resolve Pay instead connects eligible invoice advances directly with approved B2B net terms transactions, creating a different approach for businesses monetizing accounts receivable.
Why the Comparison Creates a Gap
Different Categories, Different Workflows
The fundamental issue with comparing Versapay to Kapitus is that they solve entirely different business problems. Versapay addresses the question: "How do I collect payments from customers more efficiently?" Kapitus answers: "How do I access business financing for operational needs?"
For B2B sellers, an additional question is how to offer competitive net terms while maintaining predictable access to cash. Resolve Pay is designed around this credit-to-cash use case.
This gap in the market explains why B2B BNPL platforms have emerged as a distinct category. These platforms allow sellers to offer extended payment terms while receiving immediate cash, without the seller needing traditional financing or waiting 30-90 days for customer payments.
The Cash Flow Challenge for B2B Sellers
B2B sellers may need to address both receivables operations and access to cash while customers remain on net terms. Offering net 30, 60, or 90 payment terms helps win business and compete effectively. However, waiting months for payment creates cash flow considerations that can affect growth planning, inventory purchases, and operational capacity.
Traditional solutions address different aspects:
- AR software helps manage collection workflows and customer communication
- Business financing provides capital that can be used for a range of operating needs
- Resolve Pay connects net terms financing with AR automation for B2B sellers
Resolve Pay offers an approach that combines financing, AR automation, and risk protection in a single platform designed specifically for B2B sellers offering payment terms.
Resolve Pay
The Integrated Alternative
Resolve Pay enables B2B sellers to offer net payment terms while receiving advances on eligible approved invoices, typically within 1–2 business days and transferring credit risk on eligible approved transactions. Unlike pure AR software or traditional financing, Resolve Pay combines multiple capabilities that would otherwise require separate vendors.
The platform provides:
- Net Terms Financing: Sellers offer Net 30/60/90 terms while Resolve Pay advances up to 90-100% of invoice value within 1-2 business days
- AI-Powered Credit Engine: Proprietary underwriting evaluates buyer creditworthiness with real-time decisions
- AR Automation: Automated invoice generation, payment reminders, and reconciliation
- Agentic Collections: Multi-channel automated sequences including email, SMS, and voice AI that adapt based on buyer payment behavior
- White-labeled Payment Portal: Branded buyer dashboard accepting ACH, wire, credit card, and check payments
This integrated approach means B2B sellers can offer competitive terms, get paid immediately, automate their AR operations, and protect against buyer default on eligible transactions, all through a single platform.
Non-Recourse Financing Explained
The most significant differentiator in Resolve Pay's model is non-recourse financing. When Resolve Pay approves a buyer and advances funds against an invoice, the platform assumes the credit risk if that approved buyer fails to pay, subject to program terms. Sellers receive their advance regardless of collection outcomes on eligible approved transactions.
This contrasts with traditional factoring where sellers often retain recourse liability and business financing where repayment is required regardless of receivables status. For B2B sellers, non-recourse protection on eligible transactions transforms the risk profile of offering payment terms. Instead of worrying about approved buyer default, sellers can focus on sales growth knowing their cash flow is protected on covered invoices.
Implementation and Integration
Resolve Pay's platform launches in under one week for most implementations. The platform provides native integrations with:
- E-commerce platforms: Shopify, BigCommerce, Magento, WooCommerce
- Accounting and ERP systems: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite
- Two-way sync for invoice and payment data
- REST API with webhooks for custom integrations
This integration flexibility allows businesses to connect Resolve Pay with existing systems rather than replacing their technology stack entirely.
Comparing Approaches to Cash Flow
AR Software Approach
AR automation platforms like Versapay help businesses manage payment collection through improved processes and customer communication. This approach centers on improving invoice-to-cash efficiency through automation, payment workflows, customer collaboration, and cash application. Resolve Pay takes a broader approach by connecting AR automation with credit decisioning and eligible invoice advances.
Business Financing Approach
Business financing provides capital that can be used for a range of operating needs. The applicable repayment obligations and underwriting requirements depend on the specific financing product. Resolve Pay instead connects eligible invoice advances directly with approved B2B net terms transactions.
Resolve Pay's Combined Approach
Resolve Pay's model addresses the specific needs of B2B sellers offering payment terms by combining financing with AR automation:
- Advance payments on eligible invoices provide immediate cash
- Non-recourse terms protect against approved buyer default on covered transactions
- Automated AR reduces manual work by up to 90% according to customer reports
- AI credit decisions approve buyers in under 24 hours
- Integrated collections preserve customer relationships while reducing DSO
Real Results from Resolve Pay Customers
Revenue and Growth Impact
B2B sellers using Resolve Pay have reported substantial business improvements:
- SS&SI Dealer Network achieved 5x revenue growth
- ConEquip (construction equipment) saw 30% year-over-year growth
- Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours
- Nandansons achieved 75% growth through the platform
- Elston Materials increased margins from 25% to 30%
Operational Efficiency Gains
Beyond revenue impact, Resolve Pay customers report significant operational improvements:
- Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours
- TrueCable receives response times under 24 hours on credit approvals
- RentAll Construction reports quicker receivables directly contributing to healthier cash flow management
- Shields Childcare Supplies won new business by offering Net 90 terms they could not extend independently
These results demonstrate how combining financing with AR automation creates compounding benefits for B2B sellers managing the complete credit-to-cash cycle.
Customer Reviews and Satisfaction
Versapay User Feedback
Versapay has earned positive reviews for its AR automation capabilities. Users on G2 highlight ease of use and streamlined payment processing as key strengths. The customer self-service portal receives particular praise for allowing buyers to view and pay invoices independently.
Common feedback themes include appreciation for ERP integration capabilities and the collaborative approach to invoice management.
Kapitus User Feedback
Kapitus maintains strong reviews for its financing services. Users appreciate the fast funding timelines and multiple financing options available. The dedicated account manager model receives positive feedback for personalized service.
Customer experiences vary depending on the financing product, application process, and individual business circumstances.
Resolve Pay User Feedback
Resolve Pay customers consistently highlight the combination of capabilities as a key differentiator. The platform serves over 15,000 businesses and earned the 2025 BigCommerce Innovative Integration Award.
Customer testimonials emphasize:
- Significant reduction in AR workload
- Faster credit decisions enabling quicker sales cycles
- Cash flow improvements from immediate advance payments
- Ability to offer competitive terms without balance sheet strain
Why Resolve Pay Fits B2B Sellers
Versapay, Kapitus, and Resolve Pay address different financial workflows. Versapay focuses on accounts receivable automation, while Kapitus provides access to several forms of business financing. Resolve Pay is designed specifically for B2B sellers that want to connect net terms, credit decisioning, accounts receivable automation, payments, and collections in one workflow.
Resolve Pay is particularly relevant for businesses that:
- Sell B2B and want to offer competitive payment terms
- Want faster access to cash from eligible approved invoices
- Want non-recourse protection on eligible advances
- Need AR automation connected with net terms financing
- Want integrations with major e-commerce, ERP, and accounting platforms
- Prefer a platform designed around the complete B2B credit-to-cash workflow
The Integration Advantage
Avoiding Tool Sprawl
Many B2B sellers end up using multiple solutions: AR software for collections, factoring for cash advances, credit check services for buyer evaluation, and potentially business financing for working capital gaps. This creates integration challenges, multiple vendor relationships, and fragmented data.
Resolve Pay consolidates these functions into a single platform with:
- Unified data across credit, financing, and collections
- Single integration point with existing systems
- Consistent buyer experience through white-labeled portals
- Combined reporting and analytics
Supporting Growth Without Proportional Headcount
Traditional AR approaches often require additional resources as invoice volume grows. AR software helps existing teams work more efficiently within their current capacity.
Resolve Pay's automated collections and AI-powered credit decisions allow businesses to scale invoice volume without proportional AR staff increases. The platform handles routine credit checks, payment reminders, and collection sequences automatically, freeing existing staff for strategic activities.
Why Resolve Pay Is the Right Choice for B2B Sellers
Resolve Pay gives B2B sellers an integrated way to improve cash flow, simplify accounts receivable, and offer flexible payment terms to business customers. Manufacturers, wholesalers, and distributors can manage credit, invoicing, payments, and collections through one connected platform.
Integrated Credit-to-Cash Support
Resolve Pay combines:
- Net terms financing
- AI-powered credit decisioning
- AR automation
- B2B payments
- Collections management
Advance payments on eligible approved invoices help sellers access cash sooner, while non-recourse protection reduces exposure to covered buyer credit defaults. Automated receivables workflows and AI-powered credit assessments also reduce the manual work involved in managing customer payment terms.
With Resolve Pay, B2B sellers can strengthen credit-to-cash operations without relying on separate systems for financing, credit evaluation, and receivables. This integrated approach supports healthier cash flow, reduces administrative work, and helps businesses grow sales while giving customers the flexibility to pay on approved terms.
Frequently Asked Questions
What is the main difference between Versapay and Kapitus?
Versapay provides accounts receivable automation software that helps finance teams manage invoice-to-cash workflows, payment reminders, and collections. Kapitus provides access to business financing products including business loans, lines of credit, equipment financing, and revenue-based financing. They operate in different categories of business finance, with Versapay focused on AR operations and Kapitus focused on capital access.
How does Resolve Pay combine AR automation with net terms financing?
Resolve Pay connects buyer credit decisioning, net terms, eligible invoice advances, invoicing, payment processing, reconciliation, and collections within one platform. This allows B2B sellers to manage more of the credit-to-cash workflow without relying on separate systems for each stage. When a seller approves net terms for a buyer, Resolve Pay can advance up to 90-100% of invoice value while handling automated collections and payment processing.
How long does Resolve Pay implementation take?
Resolve Pay states that most teams launch in under one week. Actual timing can vary based on the seller's ERP, accounting, e-commerce, and workflow requirements. Native integrations and API options are available to support different technology environments. The platform connects with QuickBooks, Xero, Sage Intacct, NetSuite, Shopify, BigCommerce, and other major business systems.
What does non-recourse financing mean for B2B sellers?
Non-recourse financing means that when Resolve Pay approves a buyer and advances funds against an invoice, the platform assumes credit risk if that approved buyer fails to pay, subject to program terms. Resolve Pay describes eligible advances as non-recourse financing rather than a traditional business loan. The buyer settles the invoice according to approved payment terms, and non-recourse protection reduces the seller's exposure to covered buyer non-payment.
What types of businesses benefit most from Resolve Pay?
Resolve Pay serves mid-market B2B sellers typically with $1M or more in annual revenue, particularly in manufacturing, wholesale distribution, and supply industries. Primary customers include HVAC parts distributors, electrical and plumbing supplies, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers. These businesses commonly offer net terms to buyers and benefit from faster cash access and reduced credit risk.
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.
