The short version: Resolve and Olina both help ecommerce cash flow — but on opposite sides of the ledger. Resolve lets you offer net-30/60/90 terms to B2B customers and still get paid up front: it finances invoices owed to you, non-recourse, for a fee. Olina takes eligible bills you owe and turns them into daily repayments through the Ad Flex Card, Ad Invoices, Budget Bills, and Pure Drip. If wholesale terms help you win larger orders, Resolve is purpose-built for that. If payment timing is tying up cash or capacity that a healthy ecommerce or DTC brand could deploy into growth, Olina addresses the outflow.
First — which side of the ledger is this? Resolve works on money coming to you — it finances the invoices your customers owe you when you sell on B2B terms. So it only matters if you sell wholesale/B2B; it isn't a fit for pure DTC. Olina works on the other side: eligible bills you owe, such as ad spend, 3PL, and freight. The right choice follows whether receivables or payables timing is the actual constraint.
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- At a glance · Selling on terms vs paying your bills · The real overlap · Where Resolve is the answer · Pricing · Where each wins · Who should choose · Use both · How Olina works · FAQ
TL;DR
Resolve is net-terms-as-a-service for B2B sellers. When you sell to other businesses, they expect to pay on net terms — and carrying that yourself ties up cash and credit risk. Resolve runs the whole thing: it credit-checks your buyers, lets them pay in 30/60/90 days (or installments), and advances you up to 100% of the invoice within a day, non-recourse, for a fee (commonly ~2.61%, up to ~3.5% for ecommerce, optionally passed to the buyer). It's a sales-enablement and receivables tool. Olina is a cash-flow platform that does not finance customer receivables — it changes the timing of eligible bills going out. Same goal of healthier cash flow; opposite sides of the ledger.
At a glance
| Olina — cash-flow tool for ecom brands | Resolve — B2B net-terms financing | |
|---|---|---|
| What it is | Reshapes the bills you owe into smooth daily payments | Lets you offer terms to your buyers and get paid up front |
| Direction of cash | Changes money going out (your payables) | Pulls money in forward (your receivables) |
| Card ad spend | Ad Flex Card: a selected % of daily revenue pays it down; any remainder receives Net-45 treatment at 0% interest | — (doesn't pay your bills) |
| Invoice ad spend | Ad Invoices: an approved invoice becomes small daily repayments across 45 days | — |
| Operating bills (3PL, freight, customs, tariffs, inventory) | Budget Bills for repeated 3PL, freight, customs, or inventory categories; Pure Drip for one sporadic approved invoice such as a tariff | — |
| Cost of the help | 0% interest for the Ad Flex Card; a flat fee for other products | ≈2.61%–3.5% per invoice (optionally passed to the buyer) |
| What it unlocks | Predictable outflows and more usable cash between bill dates | The ability to sell on terms while getting paid now |
| Risk model | Product-specific approval and repayment terms on eligible bills | Non-recourse — Resolve absorbs the loss if your buyer doesn't pay |
| Your customers | Never involved | Credit-checked and managed by Resolve (they pay Resolve) |
| Who it's for | Growth-focused ecommerce and DTC brands that value predictable outflows | B2B/wholesale sellers who offer (or want to offer) net terms |
Selling on terms vs paying your bills
Resolve and Olina sit on opposite sides of your business. One is about how you sell; the other is about how you pay.
Resolve is about your sales. If you're a brand selling wholesale — to retailers, distributors, or other businesses — those buyers expect net terms, and offering them can be the difference between winning and losing the order. The catch is that terms tie up your cash and put you on the hook if the buyer doesn't pay. Resolve takes that whole burden: it runs credit checks on your buyers, lets them pay in 30/60/90 days, advances you up to 100% within a day, and absorbs the default risk (non-recourse). It's a way to grow B2B sales without becoming your customers' bank.
Olina is about your bills. It has nothing to do with your buyers or receivables. It looks at eligible bills you pay out — ad spend, 3PL, freight, tariffs, and inventory — and changes when they leave your account. The Ad Flex Card pays down with a selected share of daily revenue at 0% interest; Budget Bills handles repeated operating categories; Pure Drip handles one sporadic approved invoice. No customer is involved because no receivable is being financed.
The clean way to hold it: Resolve helps you get paid; Olina helps you pay. They're complements far more than competitors.
The real overlap — and the decision point
The thread connecting them is cash flow, and brands sometimes lean on receivables financing for the same underlying reason: a big bill is due before the money lands. You finance an invoice — and pay 2.6%–3.5% — to bridge a timing gap.
So look at the side of the ledger driving the constraint. If it is card-billed ad spend, the Ad Flex Card addresses that expense at 0% interest without involving a customer receivable. A selected share of daily revenue pays down the card; any remainder receives Net-45 treatment. Daily paydown can reduce or eliminate the later balance, but a remainder may still be due.
The practical split: if your goal is "offer my B2B buyers terms and still get paid now," that's exactly what Resolve is for, and Olina doesn't do it. If your goal is "make my own supported bills predictable and keep cash available for growth," that's Olina. A company does not need to be unable to pay a bill for timing flexibility to be useful.
Where Resolve is the answer (not Olina)
To be fair about what Olina is not: Olina has nothing to do with how you sell or how you collect. When the job is offering net terms and getting paid up front, Resolve is purpose-built —
- You sell B2B/wholesale and need to offer net-30/60/90 to compete for and close bigger orders.
- You want to get paid up front (up to 100% in a day) instead of waiting on those terms yourself.
- You want someone else to run buyer credit checks and carry the default risk — Resolve is non-recourse.
- You want to automate B2B billing and collections so your team isn't chasing invoices.
If extending terms while protecting your cash and credit is the goal, Resolve is the right tool. Olina solves a different problem on the other side of the business.
Pricing
Olina — The Ad Flex Card carries 0% interest. Ad Invoices, Budget Bills, and Pure Drip use a flat fee, and monthly plans apply. Olina prices the selected product and supported bill rather than taking a percentage of a customer receivable; check current pricing.
Resolve — A fee per financed invoice, commonly around 2.61% on 30-day terms (up to ~3.5% for ecommerce), with the option to pass that fee to your buyer. Advances run up to 100% of the invoice, non-recourse, typically within a day. Pricing scales with terms length and buyer risk and is quoted per account.
Where each one wins
Where Olina wins
- Directly reshapes eligible ad and operating bills, with 0% interest for the Ad Flex Card and a flat fee for other products
- No buyer or receivable is involved; pricing follows the selected product and supported bill
- Works across eligible advertising and operating spend rather than only B2B receivables
- Can start with one approved bill and works on top of the bank you use
Where Resolve wins
- Lets you offer competitive net terms and still get paid up front — a real growth lever Olina can't provide
- Non-recourse: Resolve carries the credit risk if a buyer defaults
- Automates buyer credit checks, billing, and collections
- Option to pass the financing fee to the buyer, protecting your margin
Where each falls short
- Resolve, for everyday cash flow: it only helps if you sell on B2B terms, it's a per-invoice fee, and it does nothing for the lumpy bills you pay out
- Olina: it will not extend terms to buyers, accelerate receivables, or provide unrestricted, longer-duration capital; supported bills remain subject to approval
Who should choose which
Choose Resolve if you... sell B2B/wholesale; want to offer net terms to win bigger orders; want to get paid up front while someone else carries the credit risk and collections; want to automate B2B billing.
Choose Olina if you... are an ecommerce or DTC brand that wants more predictable outflows and usable cash; want Ad Flex Card spend paid down from daily revenue with Net-45 treatment on any remainder; or want repeated operating categories handled through Budget Bills and one approved invoice handled through Pure Drip.
You can use both
They sit on opposite sides of your business, so they pair naturally: offer terms and get paid up front with Resolve on the sell side; smooth eligible bills with Olina on the pay side. Resolve can help grow B2B sales, while Olina makes supported outflows predictable enough to plan reinvestment around business economics rather than a few due dates.
How Olina actually works
Olina is a cash-flow platform for ecommerce and DTC brands. It leaves customer receivables alone and turns supported expenses into daily repayments across four products:
- Ad Flex Card — for eligible ad spend paid by card. You choose a daily-revenue paydown percentage; any remaining balance receives Net-45 treatment at 0% interest. Daily paydown can reduce or eliminate the later balance, but a remainder may still be due.
- Ad Invoices — for approved advertising-platform invoices. Olina pays the invoice and you repay it in small daily installments across 45 days.
- Budget Bills — for repeated operating categories. Set a monthly budget for 3PL, shipping, freight, customs, or repeated inventory buys; eligible bills are paid as they arrive and roll into one steady daily amount.
- Pure Drip — for one sporadic approved invoice. A PO, inventory, tariff, freight, packaging, fulfillment, or 3PL bill can be repaid in equal daily amounts over Net 30 or Net 45. It is not unrestricted cash or six-month inventory financing.
The Ad Flex Card carries 0% interest; the other products use a flat fee, and monthly plans apply.
Olina vs Resolve FAQ
Is Olina a net-terms or financing tool like Resolve? No. Resolve finances the invoices B2B customers owe you and lets them pay on terms. Olina doesn't touch receivables or buyers — it pays eligible ad and operating bills and turns them into daily repayments. Opposite sides of the ledger.
Can Olina help me offer net terms to my customers? No — that's the direct answer. Offering terms while getting paid up front is exactly Resolve's job. Olina's job is the eligible bills you pay out.
Resolve charges ~2.6–3.5% per invoice — is Olina cheaper? They price different jobs. Resolve charges for accelerating a customer receivable; Olina's applicable terms are tied to the supported bill and product. The Ad Flex Card carries 0% interest, while the other Olina products use a flat fee. Compare actual terms rather than treating the headline percentages as interchangeable.
If I'm financing an invoice just to cover a big bill, is there a better way? Often. If card-billed ad spend is the issue, the Ad Flex Card addresses that expense at 0% interest. Check which side of the ledger is constrained before paying to accelerate a receivable.
Can I use both? Yes — they are a clean pair: Resolve on the sell side to offer terms and get paid now; Olina on the pay side to turn eligible ad and operating bills into daily repayments.
The takeaway
Resolve is B2B net-terms financing; Olina reshapes eligible outflows for ecommerce brands. If you sell wholesale and want to extend terms while getting paid up front, Resolve is built exactly for that. If the business is healthy but supported bills are tying up cash or capacity, Olina can turn them into daily repayments without involving customers or receivables. The right answer follows the side of the ledger that is actually limiting growth.
Also read: Best factoring companies for ecommerce · Olina vs altLINE · Olina vs Settle
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