TreviPay vs. Resolve vs. Equipment Financing: Which Fits U.S. B2B Sellers?
A wholesale distributor selling $20,000 in replacement parts has a different financing problem from a machinery dealer selling a $250,000 CNC machine.
The distributor's customer may need 30 or 60 days to pay an invoice. The machinery buyer may need several years to repay a purchase that will support production for the next decade.
Both sellers want a straightforward purchasing experience, but choosing the wrong financing product can create cash-flow pressure for the buyer, unexpected costs for the seller or payment obligations that do not match the purchase.
Three approaches deserve comparison: TreviPay, Resolve, and traditional equipment financing offered through commercial lenders, leasing companies or financing intermediaries.
Quick Answer: TreviPay generally fits U.S. enterprises needing managed B2B trade credit, invoicing and collections across repeat purchases. Resolve fits wholesalers and suppliers offering net terms while seeking advances on eligible invoices. Equipment loans and leases fit customers acquiring longer-lived commercial assets over extended repayment periods. Choose based on purchase purpose, repayment horizon, seller proceeds and contractual risk—not software features alone.
TreviPay
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What Is the Difference Between TreviPay, Resolve and Equipment Financing?
All three can help business customers make purchases without paying the entire price immediately. But they solve different problems.
TreviPay: Enterprise trade credit and order-to-cash management
TreviPay offers a fully managed B2B payments platform centered on its Pay by Invoice service.
Qualified business customers can receive dedicated purchasing accounts and agreed payment terms, while TreviPay supports credit assessment, invoicing, settlement, collections and reconciliation.
Its Pay by Invoice product describes Net 30, Net 60 and Net 90 options, along with purchasing through online, in-store and sales-representative channels. Actual terms depend on the participating program.
TreviPay
Best product fit: Enterprise distributors, industrial suppliers, manufacturers, B2B retailers and marketplaces with ongoing commercial purchasing relationships.
TreviPay becomes particularly relevant when a seller has complicated billing requirements. A national distributor may need consolidated invoices, purchase-order references, authorized buyer accounts and payment information that integrates with the customer's procurement system.
This is more than providing credit. It is an operating system for handling commercial purchasing and the collection of receivables.
A useful U.S. example is TreviPay's documented May 2025 arrangement with Northern Tool + Equipment. The program was designed to provide qualifying American business customers with 30-day payment terms across the retailer's sales channels.
TreviPay
The main limitation is that TreviPay is not positioned as a general marketplace for multi-year secured equipment loans. Its enterprise trade-credit offering should not be treated as a substitute for financing a machine over five years without confirmation of a separate product.
Resolve: Net terms, invoice advances and receivables management
Resolve focuses on helping B2B suppliers extend payment terms while obtaining earlier access to money associated with eligible invoices.
The Resolve net-terms platform combines customer credit assessment, Net 30/60 and other approved terms, invoice advances, payment processing and collections management.
Its published descriptions advertise advances of up to 90% of eligible invoices under certain arrangements, while other Resolve pages describe up to 100% funding. These are program-dependent maximums, not guaranteed percentages.
Resolve
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Best product fit: Wholesalers, industrial parts suppliers, building-material distributors, electronics suppliers and other businesses selling repeatedly to commercial customers.
Consider an HVAC parts wholesaler selling USD $18,000 in supplies to a commercial contractor.
The contractor expects to collect money from its own customer within 45 days. Offering an eligible 60-day invoice term may align with that collection cycle.
Without external support, the wholesaler must wait for payment. With an approved invoice-advance arrangement, it may receive some or all of the eligible proceeds earlier, after applicable charges and subject to the agreement.
Resolve's model is particularly relevant when the seller wants to separate sales growth from the ongoing burden of managing its entire accounts-receivable portfolio.
Its merchant FAQ identifies U.S. suppliers, manufacturers and wholesalers as its core customer base. It also says that established businesses with verifiable commercial credit histories may be more suitable than sole proprietors or very young businesses.
Resolve
Resolve mentions installment and customized payment options in its product materials, but dealerships should not assume those are interchangeable with a conventional multi-year equipment loan.
Equipment financing: Loans and leases for productive commercial assets
Equipment financing addresses a different purchase: machinery, vehicles, industrial systems or other durable assets expected to provide value over multiple years.
Instead of requiring payment of an entire invoice after a short period, an equipment loan or lease typically establishes scheduled repayments over a longer contractual term.
For example, a manufacturing business purchasing a USD $200,000 machine may prefer to spread the acquisition cost over a period that reasonably fits its expected useful life and cash-flow capacity.
Commercial financing structures may include equipment loans, Equipment Finance Agreements (EFAs), finance leases and fair-market-value leases.
The U.S. Small Business Administration's equipment purchasing and leasing guidance explains why businesses should review ownership objectives, purchase options and early-termination obligations when evaluating equipment acquisition.
Small Business Administration
Best product fit: Equipment dealerships and manufacturers selling commercial vehicles, CNC machines, forklifts, construction machinery, medical equipment, automation systems and other eligible capital assets.
A commercial finance brokerage such as Mehmi Financial Group may help a U.S. dealer evaluate financing through independent lenders and lessors. Mehmi arranges financing rather than directly lending.
For a deeper explanation of how financing can sit within a dealership's quotations or website, see Mehmi's embedded equipment financing guide.
Which Solution Fits Different Types of U.S. B2B Sellers?
Wholesale distributors with repeat Net 30 or Net 60 orders
Start by comparing Resolve and TreviPay.
Both serve invoice-based purchasing, although their emphasis differs.
Resolve is particularly relevant where the seller wants buyer credit assessment, receivables management and early cash against qualifying invoices.
TreviPay is worth examining where the business also needs sophisticated account management, consolidated invoicing, multichannel purchasing and enterprise procurement integration.
A conventional equipment loan generally does not solve the wholesaler's need to finance repeat inventory orders.
Enterprise manufacturers and national distributors
TreviPay may offer the more relevant operating infrastructure.
A manufacturer serving national corporate accounts often needs more than a payment button. Procurement teams may require invoice matching, purchase-order controls, multiple authorized buyers and consolidated billing.
TreviPay publishes capabilities for these functions, including integrations with enterprise resource planning (ERP) and procurement systems.
TreviPay
Resolve may still be worth comparing when receivables advances and automated buyer credit are the more important needs.
Construction equipment and CNC machinery dealerships
Start with equipment loans and leases for long-lived assets.
A customer buying an excavator, press brake or machining center may need a repayment period aligned with several years of expected equipment use.
A short-term invoice facility could create an unnecessary liquidity problem if the buyer cannot reasonably repay the full purchase price at maturity.
The financing provider will generally need to assess the buyer's repayment capacity and the equipment itself.
Mehmi's U.S. customer financing requirements guide explains how buyer documentation, invoices and financing conditions fit together.
Industrial suppliers selling equipment and replacement parts
Consider using more than one financing structure.
This is a particularly useful model for a mixed-product B2B supplier.
A distributor selling filters, tools and consumables may offer approved net terms for recurring orders. The same distributor could introduce independent equipment financing for larger compressors, forklifts or production machinery.
The programs can coexist, provided customers understand that they are separate agreements with potentially different payment terms and providers.
Mehmi's U.S. customer financing platform comparison provides additional context on why inventory credit, equipment loans and embedded financing should be evaluated separately.
How Do TreviPay, Resolve and Equipment Financing Costs Compare?
The most important cost distinction is who pays for the financing and what the fee actually purchases.
TreviPay costs
TreviPay's published pricing explanation describes a transaction fee typically deducted from the seller's settlement proceeds. The fee can include components associated with technology, managed services, credit risk and working capital.
Pricing depends on the specific arrangement, industry and transaction volume. TreviPay also describes arrangements in which the working-capital component differs because seller settlement follows the buyer's payment schedule.
TreviPay
A seller should therefore request the net payout per invoice, settlement timing and treatment of disputes rather than expecting one publicly advertised percentage to apply.
Resolve costs
Resolve offers custom pricing involving invoice advances, payment processing and implementation scope.
An advance of 90% is not necessarily a 10% fee. The unadvanced portion may be a holdback payable later, subject to charges and contractual conditions.
Ask for the advance percentage, permanent fees, any reserve, timing of the remaining proceeds and whether invoices processed without an advance are charged separately.
Equipment financing costs
In equipment financing, the buyer generally takes on the financing obligation through a loan or lease.
Relevant charges can include interest or lease finance charges, origination fees, documentation charges, lien-related expenses and early-payoff costs.
The seller may receive the equipment sale price from the financing provider after funding conditions are satisfied, but seller-paid discounts, transaction charges or promotional subsidies may also apply.
Mehmi's U.S. vendor financing fee guide separates seller program costs from the customer's loan or lease obligations.
For dealers concerned about profit margins, the customer financing cost and profit impact guide explains why even modest seller-side fees can materially change the contribution from a completed sale.
Illustrative Example: USD $100,000 Equipment Sale
Consider a U.S. industrial supplier selling a USD $100,000 CNC machine to an established manufacturing customer.
The supplier wants to complete the sale, while the buyer wants to preserve working capital.
Compare two hypothetical structures for the same purchase. These are mathematical illustrations, not actual TreviPay, Resolve or Mehmi offers.
Option A: Net 60 trade-credit arrangement
Assume an approved trade-credit facility permits the buyer to pay the entire USD $100,000 invoice after 60 calendar days.
Also assume the seller pays a hypothetical 2% transaction fee, and the provider advances 90% of the invoice immediately.
Hypothetical Net 60 transaction — USD
Invoice amount
$100,000
Seller fee (2%)
$2,000
Initial seller advance (90%)
$90,000
Remaining seller proceeds at settlement
$8,000
Total net seller proceeds
$98,000
Buyer payment due on day 60
$100,000
Assumes the buyer pays on time, the seller bears the entire fee, the remaining proceeds are released when the invoice settles, and there are no other charges.
This preserves some seller liquidity, but it leaves the customer facing a USD $100,000 payment after only 60 days.
That may work when the buyer has a documented incoming payment or sufficient cash reserves. It is a poor fit if repayment depends on several years of production from the machine.
Option B: Fully amortizing equipment loan
Now assume the same USD $100,000 machine is financed through a hypothetical 48-month equipment loan.
Hypothetical equipment loan — USD
Financed principal
$100,000
Fixed nominal annual interest rate
9.00%
Term
48 months
Payment frequency
Monthly, in arrears
Estimated monthly loan payment
$2,488.50
Total scheduled loan payments
$119,448.20
Total interest
$19,448.20
Separate upfront documentation fee
$750
Total buyer repayment and fee
$120,198.20
Assumes no down payment, no balloon, monthly compounding, and the first payment one month after funding. The seller receives the USD $100,000 purchase price after closing conditions, with no assumed seller deduction. Excludes sales and use taxes, insurance, delivery, installation, maintenance, UCC fees and other closing expenses. Totals use unrounded amortization; final payment rounding may differ. The 9% interest rate is not a fee-inclusive APR.
Suppose the manufacturer has USD $5,000 available monthly after existing operating expenses and debt payments, before the new machine's payment.
The estimated loan payment leaves approximately USD $2,511.50 monthly.
That cushion still needs to cover unexpected repairs, downtime and slower customer collections.
The equipment loan costs more in total financing charges, but it avoids requiring the buyer to find USD $100,000 within 60 days.
The practical choice depends on the buyer's available cash, the machine's useful life and whether the purchase should proceed at all.
For a more detailed approach to loan pricing, see Mehmi's U.S. customer financing cost comparison.
How Do Credit Approval, Nonpayment Risk and Dealer Payouts Differ?
TreviPay and Resolve assess buyers for commercial payment terms, but the level and structure of credit approval can differ.
TreviPay supports buyer credit accounts and managed purchasing programs. Resolve focuses on credit assessment for eligible commercial invoices and customer accounts.
Resolve's documentation describes non-recourse protection for approved-buyer credit-related nonpayment. Importantly, it distinguishes this from disputes involving defective merchandise, incorrect invoices, delivery failures or merchant errors.
Resolve
Therefore, non-recourse does not mean the seller has no responsibility for the transaction.
For equipment financing, the lender or lessor normally evaluates both the customer's finances and the proposed asset.
The analysis can include operating cash flow, credit history, existing debt, ownership, guarantees, equipment age, condition, useful life and collateral value.
A lender may require financial statements, recent bank records, a final equipment invoice, inspections or insurance before funding.
Loan agreements can grant a security interest in the equipment, and default can lead to enforcement against the collateral.
Dealerships should also establish what happens when an approved sale is cancelled, a machine fails inspection or installation remains incomplete.
For a broader review of these obligations, Mehmi's vendor financing provider comparison guide addresses credit decisions, buyer costs, seller payouts and contractual risk.
What Should U.S. Sellers Verify Before Integrating a Platform?
The product decision should come before the software decision.
TreviPay offers ERP, procurement and ecommerce integration capabilities. Resolve also publishes ecommerce, accounting and API options.
However, an available integration is not necessarily a native checkout feature. Resolve's own FAQ, for example, distinguishes Shopify support through custom workflows from a standard Shopify checkout integration.
Resolve
Equipment financing may be introduced through a hosted application or a branded quote-based process without requiring a complex ecommerce integration.
Dealers should test whether each program can support the following operational steps:
- Qualify the correct customer and purchase.
- Capture lawful credit authorization and required documents.
- Present accurate costs and repayment obligations.
- Establish when the seller may ship, install or release equipment.
- Reconcile net proceeds, fees, cancellations and outstanding obligations.
Use actual representative orders during evaluation rather than selecting the provider with the most features in a demonstration.
Mehmi's customer financing partner selection guide provides a broader framework for assessing provider roles, customer data handling and funding responsibilities.
What U.S. Regulatory Requirements Should Sellers Consider?
Both invoice-based business credit and commercial equipment financing can trigger legal obligations.
The Consumer Financial Protection Bureau's Regulation B guidance confirms that the Equal Credit Opportunity Act and Regulation B can apply to commercial as well as consumer credit. The actual rules depend on the parties and financing activity.
Consumer Financial Protection Bureau
Equipment loans may also involve secured transactions under UCC Article 9, along with applicable state filing requirements. The California Secretary of State's UCC resources provide an example of a state filing system.
Commercial financing disclosure requirements differ across states. California's commercial financing disclosure guidance, for example, identifies disclosure requirements for covered offers.
DFPI
Dealers should confirm who handles legal disclosures, buyer consent, referral compensation, data security and record retention.
Provider coverage is not universal. Mehmi's published disclaimer, updated October 7, 2026, restricts general commercial loan-broker applications involving borrowers principally located in California, Illinois, Missouri, Nebraska, North Carolina, North Dakota and Vermont unless an applicable authorization or exemption is confirmed. Other product-specific restrictions may apply.
These are Mehmi's operating restrictions, not a prohibition on businesses obtaining financing in those states.
Frequently Asked Questions About TreviPay, Resolve and Equipment Financing
Is TreviPay an equipment financing company?
TreviPay primarily provides B2B trade credit, managed invoice payments and order-to-cash infrastructure. Although business customers can purchase eligible goods using its payment arrangements, this should not be confused with a dedicated multi-year equipment loan or lease.
Is Resolve the same as invoice factoring?
Not necessarily. Resolve combines customer credit underwriting, net terms, invoice advances and receivables management. Traditional factoring generally involves selling receivables to a financing company. The legal structure, recourse terms and risk allocation should be established from the actual agreement.
Can net terms be interest-free for the buyer?
Yes, some programs allow buyers to pay an approved invoice by its due date without a separately charged interest expense. The seller may pay the program's service or financing fee. Late-payment charges and other conditions depend on the customer agreement.
Which option is better for a USD $250,000 equipment purchase?
For a durable machine expected to generate revenue over several years, a properly structured equipment loan or lease is generally more appropriate to evaluate first. A short invoice term may be suitable if the business has sufficient verified liquidity to repay on time.
Can a dealer use TreviPay or Resolve alongside equipment financing?
Potentially, yes. A supplier may use trade-credit services for recurring inventory and replacement-part orders while offering a separate equipment-financing route for capital assets. Confirm contract restrictions, application permissions and accounting procedures with each provider.
Can an equipment financing broker approve customers declined by TreviPay or Resolve?
A brokerage cannot guarantee approval. However, it may help identify whether the customer has a legitimate alternative financing need suitable for a different lender.
For example, a declined short-term invoice purchase might be evaluated as an equipment loan if the asset, repayment capacity and lender policies justify that structure. Reclassifying a purchase does not resolve insufficient cash flow.
Discuss Equipment Financing for Your U.S. B2B Customers
TreviPay, Resolve and traditional equipment financing address different purchasing and cash-flow needs.
Businesses with frequent invoice-based sales may benefit from managed trade credit. Dealers selling expensive commercial equipment may need loans, leases and access to financing providers that understand asset-backed transactions.
Mehmi Financial Group helps eligible U.S. B2B dealers, manufacturers and distributors explore customer financing through independent lenders and leasing companies. Mehmi is a brokerage and intermediary, not a direct lender.
To discuss a vendor financing program, share your typical financing amount in USD, whether the buyer is in the United States or Canada, the relevant state or province, the equipment or use of funds, and the expected purchase or program-launch timing.
Call 833-863-4644 or contact Mehmi Financial Group to discuss the financing process for your commercial customers.
Dealers looking to develop a repeatable program can also review Mehmi's vendor financing setup guide before implementation.
All financing remains subject to independent provider approval, product eligibility, documentation, applicable law and final contractual terms.