Versapay vs SBG Funding

Choosing between accounts receivable automation software and business financing represents a fundamental decision that shapes how B2B companies manage cash flow and customer relationships. While Versapay offers AR automation tools for mid-market and enterprise finance teams and SBG Funding provides business financing products, Resolve Pay delivers an integrated approach that combines non-recourse net terms financing with comprehensive AR automation. Understanding these differences helps manufacturers, distributors, and wholesalers select the solution that matches their operational needs, cash flow objectives, and growth trajectory.

Key Takeaways

• Resolve Pay combines non-recourse invoice financing with AR automation in a single platform, while Versapay focuses on AR software and SBG Funding provides revenue-based financing and access to business lending products
• Versapay reports approximately $257 billion in annual payment volume and 120 million transactions through its AR automation platform, serving 10,000+ customers with ERP integrations including NetSuite and Dynamics 365
• SBG Funding has provided over $3 billion in financing to 28,000+ small businesses since 2017, offering revenue-based financing, term loans, SBA loans, and equipment financing
• Resolve Pay serves 15,000+ businesses with AI-powered credit decisions, native e-commerce integrations, and agentic collections that help automate receivables management. One customer, VI, reported reducing its manual workload by at least 90% following an automated two-way integration
• Resolve Pay's non-recourse model provides protection against covered buyer credit defaults on eligible approved financed invoices, subject to program terms, addressing a risk that neither Versapay nor SBG Funding specifically targets
• For eligible approved invoices, Resolve Pay can provide advances of up to 100% of invoice value, typically within 1-2 business days, helping sellers accelerate cash receipts while buyers continue paying on approved terms

Understanding the Landscape: AR Software vs Business Financing vs Integrated Payment Platforms

The B2B financial technology market encompasses three distinct categories, each serving different operational models and business objectives.

Accounts receivable automation platforms like Versapay serve as workflow systems for finance teams managing invoice-to-cash processes. These platforms provide:

• Invoice delivery and payment acceptance capabilities
• Customer collaboration portals for account management
• Analytics dashboards for tracking collection activities
• Cash application automation for payment matching

The value proposition centers on improving operational efficiency through better workflow management and visibility. These platforms primarily focus on receivables management rather than financing individual invoices.

Business financing providers like SBG Funding provide access to working capital through products such as revenue-based financing, term loans, lines of credit, SBA loans, and equipment financing. Repayment requirements vary by product, with some arrangements using scheduled payments and others linking payments to business revenue. These solutions provide capital for general business needs rather than specifically combining buyer credit underwriting, net terms management, and invoice collections.

Integrated B2B payment platforms like Resolve Pay represent a different approach to credit-to-cash management. Rather than providing tools to manage receivables or offering general business financing, Resolve Pay combines invoice advances, buyer credit assessment, invoicing, payment reconciliation, and collections automation in one platform. For eligible approved invoices, sellers can receive advances of up to 100% of invoice value, typically within 1-2 business days, while customers pay on their standard net terms.

The fundamental distinction lies in funding structure, payment timing, and risk allocation. AR automation improves receivables workflows, business financing provides working capital under agreed repayment terms, and Resolve Pay combines invoice advances with protection against covered buyer credit defaults on eligible approved financed invoices.

Versapay

Overview and Core Capabilities

Versapay positions itself as a collaborative AR platform designed to accelerate invoice-to-cash cycles through automation and customer self-service. Its current website reports approximately $257 billion in annual payment volume and 120 million transactions, serving more than 10,000 customers through its B2B payments network.

The platform's core capabilities include:

• Invoice delivery and tracking that automates distribution through multiple channels
• Customer payment portal providing self-service access for buyers to view invoices and make payments
• Cash application automation that helps match incoming payments to invoices and reduces manual reconciliation work
• Collaboration tools enabling communication between AR teams and customers for dispute resolution
• Enterprise ERP integrations with NetSuite, Dynamics 365, JD Edwards, and Sage platforms

Versapay holds a 4.1/5 rating on G2 from approximately 100 reviews and a 4.4/5 rating on Capterra from 30 reviews. Users consistently praise the platform's ease of use and payment automation capabilities.

Operational Model

Versapay operates as a software platform offering accounts receivable automation and payment processing capabilities. Implementation requirements depend on the organization's ERP environment, integration complexity, and existing financial workflows.

The platform focuses on operational efficiency rather than financing. Customer payment timing depends on the applicable terms, payment behavior, and collection processes. The credit risk remains entirely with the seller.

AR Automation Focus

Versapay provides accounts receivable automation for mid-market and enterprise organizations. Its capabilities include invoice delivery, cash application, customer payment portals, and ERP connectivity.

Resolve Pay addresses a broader credit-to-cash workflow by combining AR automation with buyer credit assessment, net terms financing, and collections management. This integrated structure helps B2B sellers manage customer payment terms and accelerate cash receipts through one platform.

SBG Funding

Overview and Product Range

SBG Funding operates as a business financing provider headquartered in New York City. Founded in March 2017, the company has provided over $3 billion in financing to 28,000+ small businesses through its marketplace model.

The platform's product offerings include:

• Revenue-based financing tied to business income
• Term loans ranging from $5,000 to $10 million
• Business lines of credit providing flexible access to capital
• SBA loans up to $5 million through the government-backed 7(a) program
• Equipment financing for purchasing machinery, vehicles, and technology

SBG Funding maintains strong customer satisfaction ratings, including a 4.9/5 on Trustpilot from 1,000+ reviews and an A rating with 4.95/5 on BBB from over 250 reviews.

Operational Model

SBG Funding provides revenue-based financing directly and connects businesses with additional financing products through its lending marketplace. Repayment structures depend on the selected financing arrangement.

The key distinction from invoice-based financing is that these financing structures address broader working capital needs rather than directly managing individual buyers' net terms and receivables.

Business Financing Focus

SBG Funding provides revenue-based financing and access to traditional business financing products through its lending marketplace. Its offerings address general working capital, equipment financing, and other business funding requirements.

Resolve Pay addresses a different financial workflow by connecting buyer credit assessment, net terms financing, invoicing, and collections management. This structure helps B2B sellers improve cash flow from eligible invoices while supporting their customers' payment flexibility.

Resolve Pay

Overview and Integrated Approach

Resolve Pay operates as a hybrid B2B payments platform that uniquely combines non-recourse net terms financing with comprehensive AR automation. Built by former executives from Affirm, Amazon, and PayPal, the platform serves 15,000+ businesses across manufacturing, wholesale distribution, and supply industries.

The platform's integrated capabilities include:

• Net Terms Financing that can advance up to 100% of eligible approved invoice value, typically within 1-2 business days, while qualified buyers pay on Net 30/60/90 terms
• AI Credit Engine delivering streamlined credit decisions, with some qualifying buyers receiving instant approvals
• AR Automation Platform automating invoice generation, payment reconciliation, and bookkeeping sync with QuickBooks, Xero, Sage Intacct, and NetSuite
• Agentic Collections using multi-channel AI automation across email, SMS, and voice to manage follow-ups intelligently
• B2B Payment Portal providing white-labeled buyer experiences with ACH, wire, credit card, and check acceptance

Resolve Pay states that it is SOC 2 Type II attested, reflecting an independently audited security controls framework. The platform also received the 2025 BigCommerce Innovative Integration Award, recognizing its e-commerce integration capabilities.

Operational Model and Customer Results

Resolve Pay structures its non-recourse invoice advances as an alternative to traditional business loans. The accounting treatment depends on the transaction terms and applicable financial reporting standards, so sellers should confirm the appropriate classification with their accounting advisers.

The non-recourse structure distinguishes Resolve Pay fundamentally. On eligible approved financed invoices, sellers are generally protected from repayment obligations arising solely from covered buyer defaults, subject to program terms.

Customer results demonstrate the platform's impact:

• Archipelago Lighting tripled revenue while reducing net terms approval time from 10 days to 24 hours
• ConEquip achieved 30% year-over-year growth through expanded net terms offerings
• VI reduced manual workload by at least 90% through an automated two-way integration, while Trenchless Supply highlighted Resolve Pay's simplified customer payment experience
• Elston Materials increased margins from 25% to 30% after implementing the platform

Integration Capabilities

Resolve Pay provides native integrations with major e-commerce platforms including Shopify, BigCommerce, Magento 2, and WooCommerce, enabling embedded net terms at checkout. The platform supports integrations with accounting and ERP systems including QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. Available synchronization and reconciliation workflows depend on the connected platform and integration configuration.

Resolve Pay supports streamlined onboarding and integrations, with implementation timing depending on the seller's existing systems and workflow requirements.

Comparing Core Capabilities

AR Automation and Invoice Management

All three platforms approach accounts receivable differently based on their core business models.

Versapay provides comprehensive AR automation as its primary function. The platform automates invoice delivery, payment acceptance, cash application, and customer communication. Its automated cash application functionality helps reduce manual payment matching and reconciliation work. Enterprise ERP integrations support complex multi-entity environments.

SBG Funding focuses on business financing and the administration of its financing arrangements. Resolve Pay incorporates customer invoice collections directly into its broader B2B payments and AR automation platform.

Resolve Pay combines AR automation with financing in a single platform. The system automates invoice generation synced from ERP systems, provides smart payment reconciliation using machine learning, and delivers real-time AR dashboards showing DSO, aging, and portfolio health. Results vary by implementation, but Resolve Pay customer VI reported reducing manual workload by at least 90% after automating its two-way integration.

Credit Decisioning and Risk Management

The three platforms handle credit and risk in fundamentally different ways.

Versapay offers basic credit management tools within its AR platform but does not provide credit underwriting or risk transfer. Sellers using Versapay retain full credit risk on all customers and must manage credit decisions through their own processes or external tools.

SBG Funding evaluates borrower creditworthiness when making financing decisions, but this assessment focuses on the business seeking capital rather than their customers. No credit protection exists for the borrower's customer receivables.

Resolve Pay uses an AI-powered credit assessment process incorporating business data, behavioral signals, and underwriting expertise. Some qualifying buyers may receive instant decisions, while other applications can require additional verification. Resolve Pay describes a streamlined credit assessment process with results generally available within 24 business hours.

Financing and Cash Flow Impact

This dimension reveals the most significant differences between the three approaches.

Versapay primarily provides AR automation and payment processing capabilities rather than direct invoice advances. Customer payment timing depends on the applicable terms, payment behavior, and collection processes. According to research from PYMNTS, AR automation can help reduce Days Sales Outstanding through improved process efficiency.

SBG Funding provides working capital through multiple financing structures, with repayment obligations determined by the selected product rather than protection against default on specific customer invoices. The arrangement provides an alternative to conventional business borrowing, with accounting treatment determined by the applicable transaction structure and financial reporting standards.

Resolve Pay can advance up to 100% of eligible approved invoice value, typically within 1-2 business days, helping sellers accelerate cash receipts while buyers continue paying on approved terms. This arrangement provides an alternative to conventional business borrowing, with accounting treatment determined by the applicable transaction structure and financial reporting standards.

The risk transfer distinguishes Resolve Pay most significantly. For eligible approved financed invoices, the seller generally retains the advance when nonpayment results solely from a covered buyer credit default, subject to the financing agreement and applicable exclusions.

Collections and Payment Processing

Payment collection approaches vary significantly across the three platforms.

Versapay automates collection workflows and provides a customer portal for self-service payment. The platform accepts multiple payment methods and automates reminders and follow-ups.

SBG Funding focuses on business financing and the administration of its financing arrangements. Resolve Pay incorporates customer invoice collections directly into its broader B2B payments and AR automation platform.

Resolve Pay handles collections through agentic automation that operates across email, SMS, and voice AI channels. The system uses intelligent escalation based on buyer response and payment history, pausing automatically when payments or disputes are received. This AI-powered approach preserves customer relationships while systematically pursuing payment without manual staff intervention.

Implementation and Integration

Time to Value

Implementation requirements depend on the product and operational scope:

• Resolve Pay supports streamlined onboarding, with standard configurations potentially launching within days and complex integrations requiring additional setup
• Versapay implementation depends on ERP connectivity, workflow customization, and organizational requirements
• SBG Funding provides financing through an application and underwriting process, with approval and funding timing depending on the selected product

ERP and Accounting Integration

Integration capabilities differ across platforms:

• Resolve Pay supports integrations with QuickBooks Online, Xero, Sage Intacct, and NetSuite, with synchronization capabilities depending on the connected system and configuration
• Versapay offers deep integrations with enterprise systems including NetSuite, Dynamics 365, JD Edwards, and SAP
• SBG Funding focuses on business financing rather than system integrations with AR or accounting platforms

E-commerce Platform Support

E-commerce integration capabilities differ substantially:

• Resolve Pay provides native integrations with Shopify, BigCommerce, Magento 2, and WooCommerce for embedded checkout
• Versapay offers API capabilities for custom integrations
• SBG Funding focuses on financing products rather than e-commerce payment integrations

Why Resolve Pay Makes Sense for B2B Sellers

Manufacturers, distributors, and wholesalers often need more than accounts receivable software or general working capital. They need a way to extend payment terms, receive cash sooner, assess customer creditworthiness, and manage collections efficiently.

Resolve Pay addresses these needs through an integrated B2B payments platform.

Its capabilities are particularly relevant for businesses that:

• Offer Net 30, Net 60, or Net 90 terms to approved buyers
• Need faster access to cash from eligible approved invoices
• Want to reduce exposure to covered buyer credit defaults
• Require AR automation, invoicing, and collections management
• Operate B2B e-commerce storefronts or traditional sales channels
• Need integrations with existing accounting and ERP systems
• Want a streamlined credit-to-cash workflow without coordinating separate platforms

For mid-market manufacturers, distributors, and wholesalers, Resolve Pay brings together non-recourse invoice financing, AI-supported buyer credit assessment, and AR automation in one system.

Its integrated approach helps sellers improve working capital availability, support customer purchasing flexibility, and reduce the manual effort involved in managing receivables.

With Resolve Pay, businesses can offer competitive net terms while maintaining greater visibility and control over their credit-to-cash operations. The platform's B2B payment capabilities provide a practical foundation for sustainable growth.

Frequently Asked Questions

How Does Resolve Pay Combine AR Automation With Invoice Financing?

Resolve Pay combines invoice financing, buyer credit assessment, invoicing, payment reconciliation, and collections automation in one platform. For eligible approved invoices, sellers can receive advances of up to 100% of invoice value, typically within 1-2 business days. The platform also provides non-recourse protection against covered buyer credit defaults, subject to program terms.

How Can B2B Businesses Improve Cash Flow When Customers Pay Late?

B2B businesses can improve cash flow by reducing invoice processing delays, automating payment reminders, and using financing arrangements tied to eligible receivables. Resolve Pay supports these goals through invoice advances, automated collections, and buyer credit assessment. Its non-recourse financing also helps protect sellers from covered buyer defaults on eligible approved financed invoices.

Does Resolve Pay Integrate With Shopify and BigCommerce?

Yes. Resolve Pay supports Shopify, BigCommerce, Magento 2, and WooCommerce through its e-commerce integration capabilities. Sellers can incorporate net terms into supported B2B purchasing workflows, allowing eligible buyers to request credit during checkout. Available functionality depends on the e-commerce platform, integration method, and configuration.

How Long Does Resolve Pay Implementation Take?

Resolve Pay supports streamlined implementation for standard configurations, while complex integrations may require additional setup and testing. Implementation timing for AR automation depends on existing ERP systems and workflow requirements. Many businesses can launch basic configurations within days, though comprehensive enterprise implementations with custom workflows may take longer.

What Protection Does Non-Recourse Financing Provide?

Non-recourse invoice financing from Resolve Pay protects sellers from repayment obligations when eligible approved buyers default for covered reasons. If an approved buyer defaults for a reason covered by the non-recourse agreement, the seller is generally protected from repayment obligations arising solely from that default, subject to program terms and exclusions. This protection addresses a specific aspect of B2B credit risk that traditional AR software and general business financing do not target.

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.