While AdvancePoint Capital has connected over 7,500 businesses to $375 million in funding since 2012, B2B companies are increasingly turning to modern alternatives that eliminate risk, reduce costs by 73-93%, and automate accounts receivable workflows. Resolve Pay leads this evolution with non-recourse invoice financing that advances up to 100% on approved invoices within 24 hours while customers enjoy flexible net terms.
Resolve Pay emerges as the superior AdvancePoint Capital alternative by fundamentally reimagining B2B financing as a risk-free, automated solution rather than debt-based lending. Founded in 2019 as an Affirm B2B spinoff by former PayPal executives, Resolve combines embedded credit expertise, invoice financing, and AI-powered payments into a single platform.
According to the U.S. Small Business Administration, access to affordable working capital remains one of the top challenges for growing businesses. Resolve addresses this by providing immediate cash flow without the burden of traditional debt obligations.
Core Differentiators:
Cost Advantage Analysis:
For a $10,000 invoice with 30-day terms, Resolve costs $261-$350 total, while AdvancePoint's merchant cash advance equivalent would cost $900-$4,500—representing 73-92% cost savings. This dramatic difference stems from Resolve's non-recourse model versus AdvancePoint's recourse debt structure.
The platform's AI-powered reconciliation automatically syncs transactions across systems, reducing manual work by 70-83%. Research from the Federal Reserve indicates that B2B payment automation can significantly reduce Days Sales Outstanding (DSO) and improve cash flow predictability. Resolve’s leadership team—veterans of Amazon, PayPal, and Fortune 500 firms—deliver deeper credit insights than traditional bureaus, evaluating thousands of buyer data points for dynamic credit decisions.
Unlike traditional factoring or lending, Resolve maintains merchant control over customer relationships while eliminating collections burden. The platform currently serves over 15,000 businesses and provides free credit checks requiring only a company name and address for 24-hour results.
For businesses seeking to offer net terms and grow revenue without cash flow strain, Resolve delivers the complete solution: accelerate payments to within one day instead of waiting 30-90 days, reduce bad debt risk to zero, and automate the entire AR workflow.
Lendio operates as a comprehensive lending marketplace connecting businesses to 75+ different lenders with loan amounts up to $5 million. Founded in 2011, the platform serves as a one-stop shop for businesses needing various types of financing beyond invoice-specific solutions.
Platform Capabilities:
Pricing Considerations:
Lendio excels for businesses needing general capital for purposes beyond invoice financing—such as equipment purchases, real estate, or business expansion. However, unlike Resolve's specialized B2B focus, Lendio doesn't address accounts receivable automation or net terms management, requiring merchants to handle collections and cash flow management independently.
The marketplace model provides broad access but lacks the integrated operational benefits that Resolve delivers. Businesses must evaluate multiple offers and manage different lender relationships, whereas Resolve provides a unified platform for both financing and AR operations.
OnDeck has built its reputation on rapid business funding since 2006, offering term loans from $5,000 to $250,000 with funding as fast as same-day approval. The platform serves businesses needing immediate capital for emergency situations or time-sensitive opportunities.
Key Features:
Cost Structure:
OnDeck shines for urgent capital needs where speed trumps cost optimization. However, the recourse debt structure means merchants remain fully liable for repayment regardless of their customers' payment behavior. Unlike Resolve's non-recourse model, OnDeck doesn't eliminate the fundamental risk that customers may not pay their invoices.
For B2B businesses specifically, OnDeck doesn't address the core challenge of managing net terms relationships or automating accounts receivable workflows. The platform provides general business capital but requires separate solutions for AR management and customer credit evaluation.
Fundbox offers revolving lines of credit from $100 to $150,000 specifically designed for ongoing working capital needs. Since 2013, the platform has provided substantial funding to hundreds of thousands of businesses seeking flexible access to capital.
Platform Strengths:
Pricing Model:
Fundbox provides valuable flexibility for businesses with fluctuating working capital needs, but the high cost structure makes it less suitable for invoice-specific financing. Unlike Resolve's transparent flat fees tied directly to invoice terms, Fundbox's revolving credit model can become expensive over time.
The platform doesn't address B2B-specific challenges like net terms management, customer credit evaluation for trade relationships, or accounts receivable automation. Businesses must manage their customer payment relationships and collections processes independently while servicing their Fundbox line of credit.
Credibly specializes in revenue-based financing for established businesses with consistent revenue streams. The platform offers funding from $5,000 to $250,000 based on business performance rather than traditional credit metrics.
Key Offerings:
Cost Considerations:
Credibly's revenue-based approach provides accessibility for businesses that might not qualify for traditional financing, but the high effective costs and recourse structure create significant financial burden. The platform doesn't offer B2B-specific features like net terms management, trade credit evaluation, or AR automation. Businesses seeking to offer competitive payment terms to their customers while maintaining healthy cash flow would need additional solutions beyond Credibly's general business financing.
BlueVine combines business banking with financing solutions, offering checking accounts, payment processing, and lines of credit in a unified digital platform. The service caters to small businesses seeking to consolidate their financial operations.
Platform Features:
Pricing Structure:
BlueVine's integrated approach provides convenience for businesses wanting to consolidate banking and financing, but the invoice factoring service comes with significant limitations compared to Resolve's model. BlueVine's factoring is typically resource-based, meaning merchants remain liable for unpaid invoices, and the weekly fee structure can become expensive over longer payment terms.
The platform lacks Resolve's comprehensive AR automation capabilities and AI-powered credit decisioning. While BlueVine provides basic invoicing tools, it doesn't offer the same level of workflow automation, payment reminders, or collections management that Resolve delivers as part of its integrated platform.
TreviPay brings over 40 years of experience in B2B trade credit management, serving enterprises across 30+ countries with comprehensive net terms solutions. The platform focuses on large organizations needing sophisticated credit management across global operations.
Enterprise Capabilities:
Implementation Considerations:
TreviPay serves a different market segment than Resolve, focusing on enterprise clients with complex global requirements rather than the mid-market businesses that form Resolve's core customer base. While TreviPay offers robust credit management, it lacks Resolve's modern AI-powered automation and transparent flat-fee pricing.
For mid-market B2B businesses seeking to implement net terms quickly without lengthy enterprise deployments, Resolve's platform offers faster implementation (days versus months) and more accessible pricing without monthly minimums or complex fee structures.
When evaluating AdvancePoint Capital alternatives, consider your specific business needs, risk tolerance, and operational requirements. According to industry research, optimizing working capital management can improve business valuation by 10-25% while reducing financial stress.
Choose Resolve Pay when you need:
Consider other alternatives when you need:
The fundamental difference lies in Resolve's focus on solving the specific challenges of B2B invoice-based businesses, while other alternatives provide general business financing that doesn't address AR automation or net terms management.
For businesses ready to accelerate payments while offering customers flexible payment terms, Resolve's platform delivers the complete solution without the risk and complexity of traditional lending.
Traditional small business loans create debt on your balance sheet with full merchant liability for repayment, regardless of whether your customers pay their invoices. Modern B2B solutions like Resolve provide non-recourse financing where you face zero risk on approved, non-disputed invoices. Resolve advances up to 100% within 24 hours with transparent flat fees of 2.61-3.5% for Net 30 terms, while traditional loans often carry variable interest rates, origination fees, and create ongoing repayment obligations that can strain cash flow.
Resolve allows you to offer net terms while eliminating the associated cash flow strain and risk. When you issue an invoice with Net 30, 60, or 90 terms, Resolve advances up to 100% of the invoice value within 24 hours. Your customers maintain their preferred payment terms, but you get paid immediately. Most importantly, Resolve assumes the credit risk—you're not liable if approved customers fail to pay non-disputed invoices. This non-recourse structure combined with AI-powered AR automation reduces your DSO by 20-30% while eliminating 70-83% of manual collections work.
Yes, Resolve serves as a modern alternative to traditional invoice factoring with significant advantages. Unlike factoring that typically charges 5-20% fees and requires you to relinquish customer relationships, Resolve offers transparent fees of 2.61-3.5% while maintaining your direct customer relationships. Resolve's non-recourse model eliminates your default risk, whereas traditional factoring often includes recourse provisions that make you liable for unpaid invoices. Additionally, Resolve includes complete AR automation with AI-powered invoicing, payment reminders, and collections management, whereas factoring companies typically provide basic collections without workflow automation.
Resolve offers seamless integrations with leading platforms, including QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. The platform provides bi-directional sync that automatically reconciles payments and updates your accounting records in real-time. For e-commerce businesses, Resolve offers checkout extensions that embed net terms directly into your existing checkout flow, allowing customers to apply for and receive instant credit approval without leaving your site. The flexible API also enables custom integrations with any platform not listed in the standard integration catalog.
Resolve's non-recourse financing provides complete protection against customer defaults on approved, non-disputed invoices. When Resolve approves a customer for credit and advances payment on their invoice, they assume 100% of the credit risk. If that customer fails to pay the invoice for reasons other than legitimate disputes (such as damaged goods or billing errors), Resolve bears the loss—not your business. This eliminates bad debt risk from your balance sheet and allows you to offer competitive net terms without worrying about customer payment reliability. The protection applies to all approved invoices up to the customer's established credit limit, giving you confidence to grow sales with new and existing customers.
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.