New Hampshire businesses face unique cash flow challenges in 2025, with many small companies struggling to access traditional financing according to the Federal Reserve Small Business Credit Survey.
Whether you're a manufacturer waiting 60 days for payment or a distributor managing seasonal inventory, converting unpaid invoices into immediate working capital has become essential for maintaining operations and growth.
The accounts receivable financing market continues to grow rapidly as businesses increasingly turn to alternative funding solutions. For New Hampshire companies navigating this landscape, understanding your options—from modern AI-powered platforms to traditional factoring—can mean the difference between stagnation and sustainable growth.
Resolve Pay leads New Hampshire's AR financing revolution by combining instant credit decisions, automated collections, and non-recourse advances into one integrated platform. Unlike traditional factoring that can take weeks for approval, Resolve's AI-driven underwriting provides credit decisions within 24 hours using just a business name and address.
Resolve eliminates the complexity of traditional factoring with transparent pricing—starting at 2.61% on 30-day net terms—while advancing up to 100% of invoice value on approved invoices within one business day. The platform's AI-powered automation reduces DSO by 30-60 days while handling credit checks, payment reminders, and collections automatically.
Getting Started: Visit resolvepay.com for a free credit assessment or call their sales team for custom implementation planning.
The U.S. factoring services market reached $171.98 billion in 2024 and continues growing at 9.4% annually. Traditional factoring companies serving New Hampshire businesses typically advance 80-90% of invoice value but often require lengthy applications, customer notifications, and restrictive contracts.
Traditional factoring may include additional fees like wire transfer charges, monthly minimums, and early termination penalties. Review terms carefully. The recourse factoring segment represents 25% of the market, meaning businesses remain liable if customers don't pay—a significant risk many overlook.
Asset-based lending allows New Hampshire businesses to leverage both accounts receivable and inventory as collateral. Banks and specialized ABL lenders typically provide revolving credit lines worth 70-85% of eligible receivables plus 40-60% of inventory value.
Traditional banks in New Hampshire offer various working capital solutions, though according to the Federal Reserve Small Business Credit Survey, small businesses increasingly face challenges accessing affordable capital through conventional channels.
The fintech revolution has brought numerous online lenders to New Hampshire. These platforms use alternative underwriting models to assess creditworthiness beyond traditional metrics.
Understanding the mechanics of AR financing helps businesses make informed decisions about working capital solutions without traditional debt.
Resolve Pay's modern approach addresses the specific needs of New Hampshire's diverse business landscape—from Portsmouth's tech startups to Manchester's manufacturers.
Modern platforms like Resolve Pay typically provide funding within 24 hours of invoice approval, while traditional factoring typically takes 5-10 business days for initial setup. Online lenders typically fund in 1-3 days, while bank lines of credit typically require 2-8 weeks.
Advance rates range from 70-100% of invoice value, with Resolve Pay offering up to 100% advances on approved invoices. Fees vary significantly: Resolve charges starting at 2.61% for 30-day terms, while traditional factors charge 1-5% monthly.
Yes, since approval depends on customer creditworthiness rather than your business credit. Resolve Pay requires only a business name and address for free credit checks, making it accessible for new businesses. Traditional lenders typically require 2+ years in business.
Non-recourse factoring (like Resolve Pay offers) typically covers credit risk of approved buyers, though other risks may remain—you're not liable if approved customers don't pay for credit reasons. Recourse factoring requires you to buy back unpaid invoices. Non-recourse typically costs more but provides better cash flow certainty and risk protection.
AR financing isn't a loan, so it doesn't create debt on your balance sheet. Instead, you're selling an asset (invoices), which can improve debt-to-equity ratios. This matters when seeking additional financing or meeting bank covenants.
Requirements vary by provider, but typically include:
Resolve Pay streamlines this process, requiring minimal documentation and providing approval within 24 hours compared to traditional factors requiring extensive paperwork.
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.