Resolve Money Review: Is Its B2B Net Terms Platform Worth It?

Resolve Money, also presented as Resolve Pay, is a B2B payments and receivables platform. It is designed for sellers that want to let approved business customers pay on terms such as Net 30 or Net 60, while receiving an advance on eligible invoices. Resolve describes a workflow that includes business credit checks, invoice creation, collections, payment reconciliation and accounts-receivable reporting. It also advertises integrations with ecommerce, accounting and ERP systems, though the specific systems and integration requirements should be confirmed for your setup.

This is not a crypto service: there is no token or blockchain functionality listed. Resolve says sellers can receive advance funding within one to two business days, and buyers pay Resolve to settle the invoice. Approval, advance size and the exact commercial arrangement will depend on your business and contract. Ask whether Resolve’s offer covers all your sales channels and how it handles disputes, late payments and buyer defaults before shifting your receivables workflow.

Resolve does not publish a complete fee schedule on the described pages. Its site promotes cash advances and net terms, but that alone does not tell you the cost of funding, whether fees vary by invoice or buyer, or whether there are setup, platform, integration or late-payment charges. A sample invoice graphic shows a $12,000 invoice and a $10,800 advance; treat that as an illustration, not a general fee quote or a promise of what your business will receive.

Before accepting an offer, request a written, itemised price proposal. Confirm the net amount you will receive, when it will be paid, who is responsible if the buyer pays late or not at all, and whether charges change with payment timing. Also ask whether buyers pay any fees and whether there are minimum volumes, contract terms or termination costs. Compare the total cost with your own cost of waiting for payment or arranging other working capital; don’t assume the advance is free because the headline emphasizes cash flow.

Resolve states that it is SOC 2 Type II attested and independently audited. That is a relevant signal about assessed security controls, but it does not establish that Resolve is a bank, guarantee repayment, or show how every customer’s funds are held. The public description does not identify a financial-services licence, explain a safeguarding or custody arrangement, or give a detailed account of recourse if an invoice is disputed or unpaid. Ask Resolve directly for the applicable legal entity, contract, audit scope and any relevant regulatory details.

You may need to share business, buyer and invoice information to apply for credit and use receivables tools. Before connecting accounts or uploading customer records, review the data-processing terms, access controls, retention policy and any third-party integrations. Also make sure the contract spells out whether an advance is recourse or non-recourse and what happens if the buyer defaults. The “zero-risk” marketing claim should not replace your own review of the agreement: the allocation of credit and collection risk depends on the signed terms.

The stated process is built around a seller sending an invoice with payment terms. Resolve says an approved seller receives funding within one to two business days, and the buyer later pays Resolve. Its tools are intended to automate credit decisions, reminders and reconciliation, including matching checks, ACH and wire payments and syncing records to an ERP. The platform also describes online and offline order support, with integrations for ecommerce and business systems.

Resolve says most teams launch in under a week, but that is a company claim, not a guarantee for every implementation. Your timeline may depend on underwriting, contract review, data migration and integration work. Confirm which accounting and commerce platforms are supported, whether your plan includes the integrations you need, and who handles setup and support. The public description does not establish mobile app availability or provide measured processing speeds beyond the stated funding window. Ask for a walkthrough using your actual order, invoice and reconciliation workflow before moving live.

Resolve is most relevant if slow-paying business customers are holding back sales or consuming finance-team time. It combines buyer credit decisions and payment terms with seller funding and AR automation, so it may suit wholesalers, distributors, industrial suppliers and ecommerce sellers that regularly invoice other businesses. The platform also says it serves more than 15,000 businesses, but that figure does not tell you whether its underwriting or integrations fit your particular market.

It is a poor match if you want a self-serve crypto payments product, need transparent public pricing, or cannot accept a sales-led evaluation and contract negotiation. The main decision points are the actual funding cost, how much credit is available to your buyers, whether you retain liability when an invoice goes unpaid, and how well the integrations fit your systems. Get answers in writing and run the numbers against your current payment process before routing customer invoices through Resolve.