While Accord Business Funding provides merchant cash advances with undisclosed factor rates that can translate to high effective APRs, modern B2B companies are discovering superior alternatives that offer transparent pricing, non-recourse protection, and AI-powered automation. According to the Fed Small Business, access to affordable working capital remains a critical challenge for small and medium-sized businesses. From Resolve's complete accounts receivable platform to SBA loans for patient borrowers, these solutions deliver the working capital businesses need without the unsustainable costs of traditional merchant cash advances.
Resolve stands out as the premier Accord Business Funding alternative by completely eliminating merchant risk through its 100% non-recourse financing model. The B2B payments sector continues to grow significantly, with the market processing over $1.5 trillion in revenue annually according to Precedence Research. This growth has fueled innovation in net terms financing, creating sophisticated alternatives that address specific challenges critical to B2B success.
Developed by former Amazon and PayPal executives and backed by $60M in Series A funding from Initialized Capital and Commerce Ventures, Resolve brings enterprise-grade credit expertise to businesses of all sizes.
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The platform's comprehensive approach addresses the root challenges B2B businesses face when offering net terms. Unlike merchant cash advances that create balance sheet liabilities and daily repayment pressure, Resolve's invoice-based model aligns financing with actual business activity. The AI-powered AR automation handles credit checks, invoicing, payment reminders, collections, and reconciliation—eliminating the operational burden that often accompanies net terms.
Recent success stories and product materials describe improved cash flow and reduced manual AR workload, but results vary by business. payment cycles. The platform says it’s trusted by over 12,000 businesses, from manufacturing and distribution to professional services and e-commerce.
Unlike traditional invoice factoring, Resolve maintains complete merchant control over customer relationships while eliminating collections burden and credit risk. The free business credit checks require only a customer's business name and address, delivering results within 24 hours without any customer interaction.
FundThrough provides invoice factoring services focused on individual invoice financing rather than comprehensive AR management. Founded in 2014, the platform offers quick access to capital based on outstanding invoices.
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While FundThrough provides faster access to cash than traditional banks, it lacks the comprehensive AR automation, non-recourse protection, and B2B-specific features that businesses regularly offering net terms may need. The platform functions primarily as a financing solution rather than an operational platform.
OnDeck offers online term loans and lines of credit for general working capital needs. Since 2006, the platform has provided funding to businesses across various industries, though not specifically optimized for B2B net terms scenarios.
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OnDeck serves businesses needing general working capital rather than those specifically looking to offer net terms to customers. The platform creates traditional debt obligations rather than addressing the operational challenges of B2B credit management.
Fundbox provides lines of credit specifically designed for businesses with lower credit profiles or revenue thresholds. Since 2013, the platform has focused on accessibility over comprehensive B2B functionality.
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Fundbox serves as an emergency funding option for businesses that don't qualify for traditional financing, but lacks the B2B-specific capabilities, non-recourse protection, and operational benefits that some businesses offering net terms may require.
Bluevine offers lines of credit and banking services with competitive rates for qualified borrowers. The platform provides general working capital solutions rather than B2B-specific net terms capabilities.
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Bluevine works well for businesses needing general working capital with strong credit profiles, but doesn't address the specific challenges of offering net terms to B2B customers or provide the operational automation that some platforms deliver.
Traditional invoice factoring represents the established industry approach to receivables financing, though with certain limitations compared to modern platforms.
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While traditional factoring provides access to capital, modern platforms offer enhanced features including non-recourse protection, white-label customer experiences, and comprehensive AR automation that may better serve today's B2B businesses.
SBA loans represent the lowest-cost financing option for businesses that can tolerate extended approval timelines and meet stringent eligibility requirements. These government-backed loans are administered through participating lenders and provide support to qualifying small businesses. Learn more about SBA loan programs on the official Small Business Administration website.
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SBA loans work well for businesses making major capital investments with patient timelines, but don't address the immediate working capital needs or operational challenges associated with offering net terms to B2B customers.
For B2B companies evaluating Accord Business Funding alternatives, the choice depends on your specific business model, risk tolerance, and operational needs:
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Total Cost of Ownership Comparison ($1.2M Annual Invoices):
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For businesses specifically offering net terms to B2B customers, Resolve delivers a comprehensive solution by eliminating credit risk, reducing operational burden, and maintaining customer relationships—all at dramatically lower estimated total cost than traditional merchant cash advances.
Resolve's non-recourse financing eliminates 100% of merchant risk on approved invoices, meaning businesses never face liability if customers default. This contrasts with traditional factoring, where the majority of agreements are recourse-based, leaving merchants exposed to bad debt. Resolve's model transfers all credit risk while maintaining merchant control over customer relationships through white-label payment portals.
Absolutely. Resolve advances up to 100% on approved invoices within 24 hours, allowing businesses to offer net 30, 60, or 90-day terms while receiving immediate payment. The platform handles credit assessment, underwriting, and collections—enabling businesses to extend customer buying power without sacrificing cash flow or taking on credit risk. This approach has helped businesses achieve 30-60% faster payment cycles and approximately 35% average DSO reduction.
Resolve offers integrations with leading accounting systems (QuickBooks Online, NetSuite, Oracle) and e-commerce platforms (Shopify, BigCommerce, WooCommerce, Magento). The platform automatically syncs transaction data in real-time, eliminating manual data entry and ensuring accurate financial records. Certified integrations with BigCommerce enable checkout-level net terms offering, while QuickBooks integration provides automatic reconciliation and bookkeeping.
Resolve's AI-powered credit checks deliver results approximately 9x faster than traditional processes, typically within 24 hours. For many customers, instant approvals are available—some purchases up to $25,000 may qualify for immediate approval. The platform requires only a customer's business name and address to initiate the credit evaluation process, with no forms or customer interaction needed during the assessment.
Resolve provides transparent flat-fee pricing with no hidden charges. Fees range from 2.61% to 3.5% for Net 30 terms based on risk assessment, with custom pricing available for different advance percentages and term lengths. Credit card fees are passed directly to buyers through the online payment portal, and there are no monthly minimums, setup fees, or termination penalties.
This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.