The invoice factoring alternative

Factoring is costing you more than you think.

Get paid upfront on every B2B invoice — with no recourse risk, no long-term contracts, and no aggressive collections. Built for manufacturers, distributors, and wholesalers.

See if you qualify Compare vs. factoring

Get paid upfront — not in 30 to 90 days

Non-recourse: buyer defaults are our risk, not yours

No long-term contracts — cancel anytime

Your customers never deal with an aggressive factor

See if you qualify

Tell us about your business and we'll be in touch.

Built and backed by the world's leading FinTech brands

affirm PayPal

15,000+businesses on Resolve

$2B+in invoices funded

Non-recoursedefaults are our risk

SOC 2Type II attested

The factoring problem

Factoring solves cash flow.
It creates five other problems.

Most businesses that come to Resolve were using a factor and hit one of these walls.

Traditional factoring

Recourse risk. If your customer doesn't pay, the factor comes back to you. You're still on the hook.

Aggressive collections. Your customers get hounded by a third party. Relationships suffer.

Long-term contracts. Typically 12–24 months with termination fees and minimums.

High fees. 2–5% per invoice per month adds up fast — up to $60K/year on $100K/month.

No AR automation. You're still chasing invoices and managing collections manually.

Resolve

Fully non-recourse. If your buyer defaults, that's our problem. You keep the advance, period.

Respectful collections. We treat your customers like our customers. Relationships stay intact.

No contracts. Use Resolve on the invoices you choose, when you choose. No minimums.

Transparent pricing. No hidden fees. You know exactly what you pay before submitting an invoice.

Full AR automation. Invoicing, credit decisions, and collections — all in one platform.

The real cost of factoring

What factoring actually costs you
on $500K in annual invoices

Most factoring agreements charge 2–5% per invoice. Here's what that looks like over a year.

Fee breakdown

Factoring

Resolve

Advance rate feeon $500K annual invoices

$10K–$25K

Lower

Recourse liabilityif buyers don't pay

You owe it back

Termination feesif you want to leave early

$2K–$10K

Total annual cost exposure

$12K–$35K+

Less

Businesses switching from factoring to Resolve typically save $10K–$30K/year — while eliminating recourse risk entirely.

Side-by-side comparison

Resolve vs. traditional factoring

Every dimension that matters to a manufacturer or distributor.

Feature	Resolve	Traditional factoring
Payment speed	Upfront, in a day	1–2 days (similar)
Recourse on buyer default	Non-recourse — our risk	Usually recourse — your risk
Long-term contract	None. Cancel anytime.	12–24 month contracts
Collections approach	Respectful, white-glove	Aggressive, third-party
Credit checks on buyers	Quiet — no hard pull	Varies by factor
AR automation included	Full automation platform	Manual AR still required
ERP / ecommerce integrations	QuickBooks, NetSuite, Shopify, more	Usually none
Embedded B2B checkout	Built into your checkout	Not available
Minimum invoice volumes	None — use what you need	Monthly minimums common

How it works

Three steps to getting paid upfront

Submit your invoice

Upload through the Resolve dashboard, your ERP, or the API. We approve buyers upfront with a quiet credit check.

Get paid upfront

We advance the cash — no waiting for net-30, 60, or 90 terms. You get paid regardless of when your buyer pays.

We handle collections

We collect from your buyer on the original terms. If they don't pay, that's our risk under non-recourse coverage.

Trusted by distributors and manufacturers

Used by equipment resellers, security distributors, and lighting manufacturers.

Customer stories

Trusted by teams that switched from factoring

Resolve gave us the confidence to proceed with our growth without fear. They don't just accelerate our cash flow — they guarantee it.

Jake Voll

CEO · SS&SI Dealer Network

It's been a breath of fresh air. Response times under 24 hours on credit approvals. Customers are taken aback at how quickly we respond.

John Ibbetson

VP Sales & BD · TrueCable

If you don't have the size, scale, or core competency to manage AR and net terms in-house, Resolve is the absolute best alternative. Resolve pays for itself.

Sylvia Ruma

VP Operations · DocShop Pro

Integrations

Connects with the tools you already use

Common questions

Questions from businesses switching from factoring

No. Resolve is a B2B net terms and accounts receivable automation platform. Unlike factoring, Resolve is fully non-recourse, has no long-term contracts, and is embedded directly into your checkout and AR workflow — not a separate financial product your customers see.

Three key differences: (1) Non-recourse — if your buyer doesn't pay, that's our problem. (2) No contracts — use Resolve on the invoices you want, no minimums, cancel anytime. (3) No aggressive collections — we handle collections respectfully so your customer relationships stay intact.

Possibly. Depending on your agreement, you may be able to transition invoices for buyers not covered by your factor, or transition fully when your contract ends. Our team can walk through your situation.

Resolve is built for manufacturers, distributors, and wholesalers with $2M+ in annual revenue who sell on B2B net terms. We're not designed for freight, staffing, service businesses, or B2C retailers.

Once an invoice is submitted and your buyer is approved, you receive payment upfront — regardless of when your buyer pays. We advance the funds and collect from the buyer on the original net terms.

Under Resolve's non-recourse coverage, that's our risk — not yours. You keep the advance. This is fundamentally different from most factoring, where you must buy back the invoice if the buyer defaults. (Coverage terms apply.)

Stop losing 3–5% of every invoice to your factor.

See if Resolve is a fit for your business. Takes 10 minutes. No commitment.

See if you qualify Talk to sales →

For manufacturers, distributors & wholesalers · $2M+ in revenue · B2B invoices only