Choosing between AR automation software and business financing represents a fundamental decision about how your B2B company addresses cash flow challenges. While Versapay provides accounts receivable automation tools and National Funding offers small-business financing and equipment financing, Resolve Pay delivers an integrated platform combining non-recourse financing on eligible approved invoices with AR automation. Understanding these differences helps manufacturers, distributors, and wholesalers select the solution that addresses both working capital needs and operational efficiency in one connected system.
The B2B payments market presents distinct challenges that require different solution approaches. 28% of invoices experience late payments, creating cash flow pressure that forces businesses to choose between AR automation software, traditional financing, or integrated platforms that address both needs simultaneously.
Three solution categories have emerged to address these challenges:
AR Automation Software like Versapay focuses on streamlining invoice-to-cash workflows through collaborative portals, automated collections, and payment acceptance. These platforms reduce manual AR work and accelerate customer payments.
Business Financing Providers like National Funding offer working capital and equipment financing for business expenses. These solutions provide access to capital that operates separately from the seller's customer receivables workflow.
Integrated Platforms like Resolve Pay combine AR automation capabilities with non-recourse invoice financing on eligible approved invoices. Sellers offer net terms to buyers, receive advances within days, and transfer credit risk to the platform on approved transactions. This model addresses both the operational efficiency need and the working capital need in one solution.
The choice between these approaches depends on whether your primary challenge is operational efficiency, capital access, or the combination of cash flow and credit risk management that B2B net terms create.
Versapay positions itself as an AR automation platform focused on accelerating the invoice-to-cash cycle through collaborative buyer-seller portals and automated workflows. Founded in 2006 and headquartered in Miami with corporate operations in Toronto, Versapay targets mid-market to enterprise companies with complex AR operations.
Versapay's platform centers on several AR automation functions:
The platform has earned G2 Leader recognition in the AR automation category and maintains a 4.3/5 rating with approximately 60 reviews on the platform.
Versapay supports native ERP integrations and API-based connectivity for invoice-to-cash workflows:
Versapay supports ERP-connected invoice-to-cash workflows for organizations using systems such as NetSuite, Sage Intacct, and Microsoft Dynamics 365.
Versapay's implementation requirements depend on the selected products, ERP environment, integrations, and configuration needs. Its platform supports native ERP connectors as well as API and flat-file integrations for other systems.
Resolve Pay combines AR automation with buyer credit decisioning, net terms, and non-recourse advances on eligible approved invoices. This creates a connected credit-to-cash workflow for B2B sellers that want receivables operations and working-capital support managed within the same platform.
Versapay operates as an AR automation software platform focused on invoicing, collections, payments, cash application, and reporting. Resolve Pay instead connects financing directly with approved B2B invoices while also supporting buyer credit, net terms, payments, and AR workflows.
National Funding operates as an established business financing provider offering small-business loans, working-capital financing, and equipment financing and leasing. Founded in 1999, the company has served over 100,000 customers and maintains an A+ BBB rating.
National Funding provides several financing products for small businesses:
The company emphasizes speed, with funding often available within days after approval. This focus serves businesses seeking general-purpose working capital or equipment financing.
National Funding focuses on general business financing, including working-capital and equipment financing. Resolve Pay is designed around the B2B seller's credit-to-cash workflow, connecting buyer underwriting, net terms, eligible invoice advances, payments, reconciliation, and collections.
National Funding provides general-purpose business financing that operates separately from specific customer receivables. Resolve Pay is designed differently, connecting non-recourse advances on eligible approved invoices with buyer credit, net terms, payments, and AR automation.
The platform does not provide AR automation, payment processing, or invoice management tools. Businesses using National Funding for working capital still need separate solutions for managing receivables and collections.
Resolve Pay operates as a B2B payments platform that combines net terms financing, AR automation, and AI-powered credit intelligence in one connected solution. The platform serves over 15,000 businesses with $96 million in funding from top-tier investors including Insight Partners.
The fundamental difference between Resolve Pay and both Versapay and National Funding lies in non-recourse invoice financing:
This model can reduce seller exposure to covered buyer nonpayment on eligible approved invoices while improving access to working capital. Unlike National Funding where financing operates separately from receivables, Resolve Pay's non-recourse structure connects invoice advances directly with buyer underwriting and the seller's AR workflow.
Unlike Versapay which accelerates collections, Resolve Pay transforms extended payment terms into faster cash receipt while also handling the collection process.
Resolve Pay's proprietary credit engine evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. The system delivers credit decisions in under 24 hours, with instant approvals available for many transactions.
Key credit engine capabilities include:
Resolve Pay's credit engine serves a different purpose from traditional business financing underwriting because it evaluates business buyers for trade credit and net terms within the seller's receivables workflow.
Beyond financing, Resolve Pay provides comprehensive accounts receivable automation:
The agentic collections capability uses intelligent escalation based on buyer response and payment history, pausing automatically when payments or disputes are received. This preserves customer relationships through professional, friendly outreach.
Resolve Pay supports integrations with Shopify, BigCommerce, WooCommerce, and Magento 2, allowing supported B2B sellers to incorporate net terms and buyer credit into ecommerce workflows.
These integrations connect ecommerce ordering with Resolve Pay's buyer underwriting, net terms, invoicing, payments, and receivables workflows. Versapay also supports ecommerce payment acceptance through APIs and hosted checkout technology, but Resolve Pay's ecommerce positioning centers specifically on embedding B2B buyer credit and net terms into the seller's credit-to-cash workflow.
Resolve Pay supports prebuilt ecommerce and accounting integrations as well as flexible APIs for custom workflows. Implementation timing depends on the merchant's existing systems, integration requirements, and onboarding scope.
This approach helps B2B sellers connect Resolve Pay's credit, net terms, invoicing, payments, reconciliation, and collections capabilities with their existing technology stack.
Resolve Pay provides automated invoicing, AI collections with multi-channel sequences, automated payment matching, white-label customer payment portal, and basic dispute management.
Versapay provides AR automation capabilities including cash application and dispute-related workflows, collaborative buyer portals, automated dunning sequences, and payment acceptance across multiple methods.
National Funding does not provide AR automation tools as it focuses on business financing rather than receivables management.
Resolve Pay combines eligible invoice advances with non-recourse protection and integrated AR workflows. Sellers offer Net 30, 60, or 90 day terms with credit risk transfer to Resolve Pay on approved invoices. AI credit underwriting delivers decisions in under 24 hours.
Versapay focuses on invoice-to-cash automation, including collections and cash application, without a financing component.
National Funding provides working-capital and equipment financing for business expenses. Its products operate separately from the seller's customer receivables workflow.
Resolve Pay offers integrations with Shopify, BigCommerce, WooCommerce, and Magento 2 for supported ecommerce net terms workflows, along with ERP, accounting, and API connectivity. Integration timing depends on systems and requirements.
Versapay supports native ERP connectors and ecommerce payment capabilities. It provides deep integrations with NetSuite, Sage Intacct, Microsoft Dynamics 365, and other enterprise systems.
National Funding is a financing provider rather than an AR software platform, so it does not require integration with ecommerce or accounting systems.
Businesses using Resolve Pay's integrated platform have achieved measurable outcomes:
These results demonstrate the compounding effect of combining financing with automation. Sellers can offer flexible terms while reducing operational overhead and limiting exposure to covered buyer nonpayment on eligible approved invoices.
For B2B sellers offering payment terms to customers, Resolve Pay addresses challenges that neither Versapay nor National Funding can solve alone.
The Net Terms Dilemma: Offering competitive payment terms wins business but strains cash flow. You invoice $100,000 today but receive payment 60 days later. Meanwhile, you still need to pay suppliers, employees, and operating costs.
Versapay's Approach: Versapay can help collect faster through better portals and dunning, but if the customer takes 60 days anyway, you still wait.
National Funding's Approach: National Funding can provide working capital, but that financing operates separately from your specific customer receivables.
Resolve Pay's Solution: You can receive an advance on the eligible approved invoice within 1-2 business days, with the advance amount determined through underwriting. The customer still has 60 days to pay, but your cash flow is addressed. If the customer defaults on an approved invoice, Resolve Pay assumes qualifying buyer-default risk on eligible approved financed invoices, subject to the applicable terms. Throughout the process, automated AR tools handle invoicing, reminders, and collections.
This integrated model resonates with manufacturers, distributors, and wholesalers who live in the world of net terms. The challenge involves both collections efficiency and capital access, and adding non-recourse protection on eligible approved invoices creates a comprehensive solution.
Resolve Pay is designed for B2B sellers that:
For manufacturers, distributors, wholesalers, and other B2B sellers managing trade credit, Resolve Pay brings these functions together in one connected credit-to-cash platform.
The integrated approach means sellers manage buyer credit approval, invoice generation, payment processing, collections outreach, and working-capital advances through a single system rather than coordinating multiple vendors. This reduces operational complexity while addressing both the efficiency and financing dimensions of B2B net terms.
Resolve Pay connects buyer credit decisioning, net terms, eligible invoice advances, invoicing, payments, reconciliation, and collections within one B2B credit-to-cash workflow. This helps sellers manage both the operational work of receivables and the cash-flow impact of extending payment terms in a single platform.
Resolve Pay is designed for eligible B2B sellers such as manufacturers, distributors, wholesalers, and other businesses that extend trade credit to business customers. Its integrations can connect supported ecommerce, ERP, and accounting systems with net terms and AR workflows.
With non-recourse financing, Resolve Pay assumes the credit risk on eligible approved invoices. If an approved customer fails to pay, Resolve Pay absorbs the loss rather than requiring repayment from you. This structure can reduce your exposure to covered buyer nonpayment on eligible approved transactions.
Yes. Resolve Pay enables sellers to offer flexible net terms while receiving an advance on eligible approved invoices, with the advance rate determined through underwriting and funding generally available within 1-2 business days. Your customers get the payment flexibility they want, you get working capital support, and Resolve Pay handles the credit risk and collections on approved invoices.
Resolve Pay serves over 15,000 businesses including HVAC parts distributors, electrical supplies wholesalers, industrial equipment manufacturers, and building materials suppliers. The platform integrates with QuickBooks, Xero, Sage Intacct, NetSuite, and major e-commerce platforms. Customer results include 5x revenue growth, 30% year-over-year increases, and 90% AR workload reductions.
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.