While Alternative Funding Group says it has funded over $500 million in merchant cash advances and business loans since its inception, B2B companies are increasingly turning to modern alternatives that offer transparent pricing, non-recourse protection, and integrated accounts receivable automation. For businesses seeking to offer net terms while protecting cash flow, these alternatives provide superior solutions specifically designed for B2B commerce.
Resolve emerges as the premier Alternative Funding Group alternative by completely reimagining B2B financing through its integrated net terms and accounts receivable platform. Spun out from Affirm in 2019 by former PayPal executives, Resolve brings consumer fintech innovation to B2B payments with a focus on risk elimination and operational efficiency.
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Resolve's AI-powered accounts receivable automation reduces manual work significantly, while its LLM-powered invoicing workflow automatically syncs transactions across systems. The platform serves thousands of B2B businesses across wholesale, manufacturing, distribution, and ecommerce sectors, with $60 million in Series A funding from Insight Partners.
Unlike Alternative Funding Group's merchant cash advance model that creates debt obligations and daily repayment pressure, Resolve's non-recourse model converts your existing receivables into immediate cash without balance sheet impact. Recent customer success stories demonstrate significant impact: businesses achieving 5x revenue growth, tripling revenue through Resolve, and unlocking working capital to increase profit margins.
The B2B payments landscape has evolved significantly, with businesses recognizing that merchant cash advances and traditional loans aren't optimized for invoice-based B2B sales. According to industry research, the global real-time payments market was valued at $24.91 billion in 2024, driving innovation in net terms financing that specifically addresses B2B needs.
Traditional invoice factoring represents the legacy approach to accelerating cash flow, with the industry processing billions in receivables annually. This method involves selling unpaid invoices to a third-party factor at a discount, typically ranging from 1-5% per invoice.
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While factoring provides immediate cash for outstanding invoices, it often comes with complex contracts, hidden fees, and loss of customer relationship control. The notification model requires customers to pay the factor directly, potentially damaging your brand relationship. According to industry analysis, traditional factoring is being increasingly replaced by transparent, technology-driven solutions that maintain merchant control while eliminating risk.
For businesses specifically seeking non-recourse protection without the complexity of traditional factoring, Resolve's modern alternative offers a streamlined approach with transparent pricing and complete AR automation.
Fundbox occupies a distinct niche providing credit lines from $1,000 to $150,000 for small businesses that may not qualify for traditional financing. The platform has provided funding to small businesses with a focus on accessibility over B2B specialization.
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According to comparative analysis, while Fundbox provides accessible capital for small businesses, it's not designed for B2B net terms or customer credit management. The platform serves general working capital needs rather than invoice-specific financing, making it less suitable for businesses looking to offer competitive payment terms to their customers.
For B2B companies specifically seeking to offer net terms while protecting cash flow, Resolve's B2B-focused platform provides a more strategic solution with non-recourse protection and integrated AR automation.
Revenue-based financing (RBF) provides growth capital to businesses in exchange for a percentage of future revenue until a predetermined amount is repaid. This model has gained popularity among SaaS companies and subscription-based businesses that generate predictable recurring revenue.
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While RBF provides flexible growth capital without equity dilution, it's not designed for managing day-to-day accounts receivable or offering net terms to customers. The model works best for businesses with predictable, recurring revenue streams rather than transaction-based B2B sales.
For companies specifically looking to accelerate cash flow from existing invoices while maintaining customer relationships, Resolve's non-recourse invoice advancement provides a more targeted solution without the revenue-sharing obligations of RBF.
Business credit cards provide immediate purchasing power for operational expenses, with credit limits typically ranging from $5,000 to $100,000+ based on business and personal credit profiles. These cards offer 0% introductory APR periods (typically 12-18 months) followed by standard APRs ranging from 15-25%.
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Business credit cards work well for managing operational expenses and building business credit, but they don't solve the core B2B challenge of offering competitive payment terms to customers while protecting cash flow. For businesses seeking to extend credit to customers without taking on recourse risk, Resolve's platform provides a more strategic solution.
Small Business Administration (SBA) loans represent the traditional route to business financing, with government guarantees reducing lender risk and enabling more favorable terms. The SBA 7(a) loan program offers up to $5 million with terms up to 25 years for real estate or 10 years for working capital.
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SBA loans work well for major capital investments or business acquisitions, but they're not optimized for managing day-to-day cash flow challenges from outstanding receivables. The lengthy approval process and documentation requirements make them impractical for businesses needing immediate working capital to support growth.
For companies seeking to convert receivables to cash without creating long-term debt obligations, Resolve's invoice advancement provides a more agile solution with faster funding and non-recourse protection.
Peer-to-peer (P2P) lending platforms connect businesses directly with individual and institutional investors, bypassing traditional banking intermediaries. Platforms like LendingClub and Funding Circle offer loans ranging from $5,000 to $500,000 with terms from 1-5 years.
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P2P lending provides an alternative to traditional bank financing with faster approval processes, but it doesn't address the specific needs of B2B companies looking to offer competitive payment terms to customers. The model creates debt obligations without solving the core challenge of managing accounts receivable efficiently.
For businesses specifically seeking to offer net terms while getting paid immediately, Resolve's integrated platform provides a more targeted solution with non-recourse protection and complete AR automation.
For B2B companies evaluating Alternative Funding Group alternatives, the choice depends on your specific business model, customer base, and operational needs:
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When choosing between these financing alternatives, B2B businesses should evaluate several critical factors beyond just cost and timeline. First, consider how the financing solution integrates with your existing technology stack. Solutions like Resolve's ERP integrations can dramatically reduce manual data entry and reconciliation work, while standalone lending products may require significant administrative overhead.
Second, assess the impact on customer relationships. Traditional factoring often involves notification to your customers, which can affect how they perceive your financial stability. In contrast, white-label solutions allow you to maintain your brand presence throughout the payment process while still benefiting from credit protection and cash acceleration.
Third, evaluate scalability. As your business grows, your financing needs will evolve. Some solutions have concentration limits or volume caps that may constrain growth, while others scale seamlessly with your business. Understanding these limitations upfront can prevent costly transitions later.
The key differentiator for B2B businesses is whether the solution addresses the specific challenge of offering competitive payment terms to customers while protecting cash flow and eliminating bad debt risk. Only Resolve's integrated platform combines non-recourse protection, transparent per-invoice pricing, complete AR automation, and customer credit extension in a single solution designed specifically for B2B commerce.
Alternative Funding Group provides merchant cash advances and business loans with typical APRs ranging from 20-80%+, creating recourse debt obligations that require daily repayments. Resolve offers non-recourse invoice advancement specifically designed for B2B businesses, with transparent per-invoice fees starting at 2.61% and zero merchant risk on approved invoices. While Alternative Funding Group provides lump-sum capital for general working capital needs, Resolve converts specific invoices to immediate cash while customers maintain their payment terms.
Net payment terms act as an alternative funding solution by increasing customers' buying power without requiring you to extend credit directly. When you offer net 30, 60, or 90-day terms through Resolve, your customers can purchase what they need now and pay later, while you receive up to 100% of the invoice value within 24-48 hours. This approach boosts sales volume and customer retention while protecting your cash flow and eliminating bad debt risk through Resolve's non-recourse model.
Yes, Resolve's invoice financing is 100% non-recourse, meaning you face zero risk if approved customers fail to pay. Resolve takes on the credit assessment, credit decision, and the majority risk of late payments or defaults. This eliminates bad debt concerns while allowing you to offer competitive net terms. All cash advances are non-recourse, so what you receive is always yours to keep, regardless of customer payment behavior.
Resolve provides advance payment within 24-48 hours of invoice approval, converting your 30-90 day receivables into immediate cash. Credit decisions are delivered instantly to 24 hours using AI-powered underwriting, and the platform can reduce your days sales outstanding (DSO) from 60 days to just 1 day. This rapid cash conversion enables you to fund operations, manage payroll, and support growth without waiting for customer payments.
Resolve's fees are transparent and range from 2.61% to 3.5% for 30-day net terms, depending on the advance percentage and customer risk profile. For example, a $10,000 invoice with 30-day terms would cost $261-$350, compared to up to $899 with high-APR alternatives like Fundbox. There are no monthly minimums, setup fees, or hidden charges, and fees are calculated per invoice rather than as ongoing interest or factor rates.
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.