Yellowpay vs Resolve
Short version: both pay suppliers up front and let buyers pay on net terms, and both are non-recourse. Resolve is a horizontal platform that stops at NET-90 and pays a 50–90% advance depending on the buyer’s risk profile. Yellowpay is a vertical specialist — solar and data center construction supply, consumer packaged goods and durable goods — goes to NET-120 on construction supply, and funds 100% of the invoice within 2 business days. If your buyers are solar EPCs, installers, or data center contractors on milestone billing, the underwriting difference is the product.
| Yellowpay | Resolve | |
|---|---|---|
| Max buyer terms | NET-120 | NET-90 (NET-30/60/90) |
| Supplier paid | Within 2 business days, whole invoice funded — often the same day | 1–2 business days; advance rate of 50%, 75%, or 90% depending on buyer risk profile, with the remainder settled when the buyer pays |
| Credit risk | Non-recourse — an approved buyer’s default is ours | Non-recourse on the advanced portion |
| Industry focus | Vertical specialist — solar & data center construction supply (milestone billing, retainage, tax-credit timing underwritten), plus consumer packaged goods and durable goods | Horizontal — distribution, industrial supply, e-commerce, and most B2B verticals |
| AR automation | Invoicing, reminders, collections, reconciliation included | Included — credit checks, payment portal, reminders, collections (“Payment Chaser”) |
| Buyer approval | Instant decision, pre-approvals for repeat purchases | Credit decisions typically within hours via its Smart Credit Engine |
| Pricing | One flat rate per funded invoice, quoted in writing at qualification — see pricing | Percentage fee per invoice scaling with term length; Resolve has cited fees from roughly 2.61% for NET-30 |
Competitor details verified against Resolve’s public documentation on the last-updated date. Tell us if something’s stale: contact.
The real difference: what happens at day 91
Resolve is a genuinely good product for general B2B distribution — it’s the category leader for a reason. But its product is built around 30/60/90-day cycles, and solar and data center construction don’t run on those cycles. An EPC buying inverters against a milestone schedule, or an electrical contractor waiting on retainage release, routinely needs 100–120 days between delivery and project cash. A horizontal underwriting model prices that as elevated risk or declines it. We underwrite the project structure itself — milestone payments, retainage, ITC monetization timing, long-lead equipment deposits — which is why NET-120 stays priceable for us and why your larger buyers don’t get squeezed to a partial advance.
The advance rate matters just as much as the term. With a 75% advance on a $400,000 switchgear order, $100,000 of your working capital is still parked in the receivable until the buyer pays. With Yellowpay, the whole invoice is funded within 2 business days.
When Resolve is the better choice
Honesty clause — every comparison page on this site has one. Choose Resolve if you sell outside the four verticals we underwrite — solar, data center, consumer packaged goods and durable goods supply: they serve most of B2B, and we deliberately don’t. Choose Resolve if your buyers genuinely never need more than NET-60 and you value the track record of a larger, longer-established platform. And if you run a high-volume B2B e-commerce checkout with many small buyers, Resolve’s embedded checkout tooling is more mature than ours.
Can I switch from Resolve to Yellowpay?
Yes. Qualification takes minutes and onboarding runs alongside your current provider — you route new invoices to Yellowpay while old ones pay out through Resolve. No cutover gap.
Why can Yellowpay offer NET-120 when Resolve stops at NET-90?
Underwriting depth. We model milestone payments, retainage, tax-credit timing and long-lead equipment deposits for the construction verticals we underwrite rather than applying one credit model across every vertical, so longer terms stay priceable.
Do both take the credit risk?
Both are non-recourse on funds advanced. The difference is the amount at stake: Resolve advances 50–90% of the invoice depending on the buyer’s profile, so a slice of your cash can remain tied to the buyer actually paying. Yellowpay funds 100% of the invoice for one flat rate, so your exposure is zero from day one.
Do buyers see a difference?
With both platforms, buyers see your brand offering terms. With Yellowpay they also get terms that match their project cash flow — which is the difference between a buyer who uses the terms and one who asks you for “flexibility” on the side.
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