Resolve

Resolve provides net terms management, accounts receivable and B2B payments, published with paths for businesses new to net terms, those managing existing net terms, net terms for ecommerce, and a comparison against factoring, with advance rates published as typically 90, 75 or 50 percent.

Net terms is the underlying problem and it is worth stating plainly, because it is a constraint that limits growth in ways that are easy to misread as a sales problem.

Business customers expect to buy on credit. A trade buyer will not pay on delivery; they expect thirty or sixty days, and a supplier refusing that loses the order to one who does not. Offering terms therefore is not optional in most B2B trade.

The consequence is that the supplier funds their customer's purchase. Goods are shipped, costs are incurred, and cash arrives two months later. A growing business is in the worst position here: every additional order widens the gap between money spent and money received, so success consumes cash rather than generating it, and businesses fail while profitable.

Advance funding addresses that directly by paying the supplier immediately at a published percentage of the invoice, with the balance following on collection.

The comparison with factoring the vendor draws is the right frame for evaluating it. Both convert receivables into immediate cash, and the differences that matter are who collects from the customer, whether the customer knows, whether the arrangement is recourse or non-recourse, and what the effective annualised cost is once the discount and fees are expressed as a rate. That last figure is the one to calculate, because a percentage per invoice looks small and can annualise to a great deal.

Published advance rates of 90, 75 and 50 percent indicate risk-based tiering rather than one rate, which is normal in this market.

Pricing is not published as a rate card, with advance percentages published instead.