Arcarius Alternatives: Best B2B Payment & AR Automation Solutions

While Arcarius Funding provides small business loans and merchant cash advances, modern B2B companies seeking comprehensive payment solutions are finding superior alternatives that offer embedded net terms, AI-powered automation, and non-recourse financing. From Resolve's risk-free net terms to Bill.com's all-in-one financial operations, these platforms deliver the B2B commerce capabilities businesses need without the limitations of traditional lending.

Key Takeaways

Non-recourse financing eliminates risk: Resolve provides non-recourse net terms with the option to advance up to 100% of approved invoices, completely eliminating merchant bad debt exposure
Instant credit decisions transform sales cycles: Modern platforms deliver credit decisions in seconds compared to traditional lenders' days-long processes, with Resolve's AI underwriting leading the innovation
Implementation happens in days, not months: Resolve integrates in hours to days versus enterprise AR platforms' 4-12 week deployments, critical for businesses needing rapid cash flow improvement
E-commerce native capabilities drive revenue: Resolve is a leader in offering embedded BNPL at checkout for B2B merchants, with case studies showing average order value increases up to 40%
Transparent pricing replaces hidden fees: Resolve's simple flat fee structure starting at 2.61% eliminates the complex subscription plus transaction models of traditional platforms
24-hour cash advances accelerate working capital: Get paid within 1 business day instead of waiting 45-60 days, unlocking significant working capital for growth

1. Resolve — A Non-Recourse B2B Net Terms Platform

Resolve stands out as the premier Arcarius alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Spun out from Affirm in 2019 by founders with experience from Amazon and PayPal, Resolve brings consumer fintech innovation to B2B payments while serving as your "credit team on tap".

According to Fed Small Business, B2B payments represent a critical pain point for small and medium-sized businesses, with cash flow management remaining one of the top challenges. Resolve addresses this directly through its integrated financing and automation platform.

Key Features:

100% non-recourse financing with zero merchant risk
Instant credit decisions using proprietary AI underwriting
Net 30, 60, or 90-day payment terms
Up to 100% advance payment within 24 hours
Risk-based fees starting at 2.61% on 30-day terms
40+ integrations including QuickBooks, Shopify, Magento, and BigCommerce
White-label payment portal for customers

Pricing Structure:

Flat fees starting at 2.61% for 30-day terms
Fees vary based on risk profile and advance percentage
No monthly minimums or setup fees
No hidden charges or volume requirements
Custom pricing for enterprise volumes

The platform's AI-powered reconciliation reduces manual work by an estimated 90%, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Recent case studies demonstrate significant impact: businesses report faster sales cycles, average increases in order value up to 40%, and a significantly shorter time-to-cash when using advance pay.

Unlike traditional lending or factoring, Resolve maintains merchant control over customer relationships while eliminating collections burden and bad debt risk. The platform's free business credit checks require only a customer's business name and address, delivering results within 24 hours using AI, behavioral signals, and human expertise from former Amazon and PayPal professionals.

The U.S. Small Business Administration emphasizes that effective cash flow management is essential for business survival and growth. Resolve directly supports this by converting 30-90 day payment cycles into next-day cash availability, allowing businesses to invest in inventory, operations, and expansion without waiting for customer payments.

Resolve currently serves thousands of businesses across wholesale, distribution, manufacturing, and e-commerce sectors, providing the "B2B payments platform that does it all" with seamless integration into existing financial stacks.

2. Bill.com — All-in-One Financial Operations Platform

Bill.com has built a substantial B2B payment network serving hundreds of thousands of business customers and provides comprehensive AP and AR automation beyond traditional lending approaches.

Platform Strengths:

Automated invoice processing with OCR technology
Customizable approval workflows for payments
Two-way sync with QuickBooks and other accounting platforms
Mobile app for on-the-go approvals
Automatic vendor enrollment through network effects
Corporate card and expense management features

Pricing Model:

Starter plans from $49/month plus transaction fees
Professional plans from $79-149/month plus fees
Transaction fees include $1.99 per check and 2.9% for credit cards
Enterprise custom pricing available

The platform offers strong accounting integrations and workflow automation that can streamline financial operations for businesses managing both accounts payable and receivable. Bill.com's broad feature set makes it suitable for companies seeking an all-in-one financial operations solution.

For companies wanting comprehensive financial automation beyond trade credit, Bill.com offers a mature solution that can replace multiple systems. The platform complements rather than competes with specialized net terms financing solutions.

3. Billtrust — Enterprise AR Automation Leader

Billtrust represents the enterprise-grade alternative with over 24 years of AR expertise and serves thousands of customers with a comprehensive automation platform.

Core Capabilities:

High cash application match rates through advanced AI
Business Payments Network connecting to 260+ AP portals
White-label customer portal solutions
40+ ERP and accounting system connectors
Automated collections and dispute management
Enterprise-grade security and compliance

Implementation Considerations:

Implementation typically takes 4-12 weeks
Significant IT resources required for deployment
Best suited for mid-market to enterprise organizations

Billtrust's proven track record at scale makes it ideal for large organizations with complex AR requirements. The platform excels at automating existing AR processes and can integrate with various ERP systems to streamline receivables management for enterprise-level operations.

According to industry research from McKinsey & Company, B2B payment digitization is accelerating, with businesses increasingly seeking integrated platforms that combine automation with financing capabilities.

4. HighRadius — AI-Powered Enterprise AR Suite

HighRadius offers advanced AI-driven AR automation for global enterprises, featuring comprehensive cash application automation and credit management capabilities.

Advanced Features:

High straight-through cash application matching rates
Global multi-entity and multi-currency support
Advanced credit risk analytics and portfolio management
AI-powered collections prioritization
Cash flow forecasting and scenario modeling
Major ERP integrations including SAP and Oracle

Enterprise Considerations:

Implementation timeline of 3-18 months for complex deployments
Significant change management and resource requirements
Best suited for large multinational organizations

HighRadius excels at optimizing existing AR processes for large enterprises with global operations. The platform's sophisticated AI capabilities and extensive ERP integrations make it suitable for organizations with complex, multi-entity receivables requirements.

5. FundThrough — Specialized Invoice Factoring

FundThrough provides focused invoice factoring services for SMBs, offering a straightforward alternative to traditional factoring companies.

Financing Features:

High advance rates on approved invoices
Fast funding within 24-48 hours
Simple application process
No AR automation features
Recourse factoring model (merchant retains risk)

Cost Structure:

Fees averaging around 2.75% per 30 days with compounding for longer terms
Higher long-term cost compared to flat fee structures
No monthly fees but higher effective APR

FundThrough serves businesses that need simple invoice financing without AR automation. The platform offers a streamlined approach to accessing working capital through invoice financing, with a focus on speed and simplicity in the application and approval process.

6. Invoiced — Affordable SMB AR Platform

Invoiced offers an accessible AR automation solution for small businesses with straightforward pricing and essential features.

Platform Benefits:

Affordable entry pricing at $99/month
Basic AR automation and invoicing features
Major platform integrations including QuickBooks and Xero
Customer portal for self-service payments
Up to 15 users on professional plans

Limitations:

No financing or credit capabilities
Basic automation compared to enterprise platforms
Limited scalability for growing businesses
No e-commerce native integrations

Invoiced serves SMBs that need basic AR automation without financing requirements. The platform provides essential invoicing and payment collection features at an accessible price point, making it suitable for businesses with straightforward receivables needs.

The Strategic Advantage of Integrated Financing and Automation

The B2B payments landscape has evolved beyond the fragmented approach of separate lending, AR automation, and payment processing. According to industry analysis, businesses using integrated platforms see significant advantages:

Average increases in order value up to 40% when offering embedded net terms
90% faster sales cycles with instant credit decisions versus traditional underwriting
1-day DSO versus industry average 45-60 days with advance payment
Estimated 90% reduction in manual work through AI-powered automation

Resolve's unique position as a platform combining non-recourse financing, instant credit decisions, and full AR automation addresses the complete B2B payment lifecycle. While traditional lenders like Arcarius provide capital without payment infrastructure, and AR platforms automate processes without solving cash flow gaps, Resolve delivers both immediate cash and operational efficiency.

The platform's e-commerce native integrations with Shopify, BigCommerce, Magento, and WooCommerce enable B2B merchants to offer net terms directly at checkout—transforming the B2B buying experience while protecting seller cash flow and eliminating credit risk.

Making the Right Choice for Your Business

For B2B companies evaluating Arcarius alternatives, the choice depends on your specific needs:

Choose Resolve when you need:

Non-recourse net terms financing with zero bad debt risk
Instant credit decisions to accelerate sales cycles
24-hour cash advances to improve working capital
E-commerce native BNPL at checkout
Integrated AR automation with financing in one platform

Choose Bill.com when you need:

Comprehensive AP + AR + expense management
Strong accounting software integrations
Network effects for vendor management

Choose Billtrust or HighRadius when you need:

Enterprise-scale AR automation
Complex multi-entity global operations
Advanced cash application matching
No financing requirements

ROI Consideration - Resolve Advantage:

According to Resolve case studies, businesses achieve:

Average increases in AOV up to 40% through embedded net terms
20% YoY sales growth with risk-free credit offerings
1-day DSO versus 45-60 days industry average
Estimated 90% reduction in manual work through automation

For companies seeking to offer net terms and grow revenue while eliminating risk and accelerating cash flow, Resolve provides a comprehensive solution in the market today.

Frequently Asked Questions

How does Resolve's approach differ from traditional invoice factoring services like Arcarius?

Unlike traditional lending or factoring, Resolve offers non-recourse financing where merchants face zero risk if customers default. Arcarius provides business loans that appear on your balance sheet and require repayment regardless of customer payment status. Resolve's model advances up to 100% on approved invoices while assuming all credit risk, eliminating bad debt exposure while providing immediate cash flow.

What are the fees associated with using Resolve for B2B net terms?

Resolve's pricing is transparent and straightforward, with flat fees starting at 2.61% for 30-day net terms. Fees vary based on risk profile and advance percentage. There are no monthly minimums, setup fees, or hidden charges—just a simple flat fee based on the invoice amount and term length.

Can Resolve integrate with my existing ecommerce and accounting platforms?

Yes, Resolve offers 40+ native integrations including QuickBooks, NetSuite, Oracle, Shopify, BigCommerce, Magento, and WooCommerce. The platform syncs automatically with your existing systems, eliminating manual data entry and providing faster reconciliation. Implementation typically takes hours to days rather than weeks or months.

How quickly can I get paid on my invoices with Resolve's advance pay feature?

Resolve provides 24-hour cash advances on approved invoices, reducing your DSO from the industry average 45-60 days to just 1 day. This immediate access to working capital allows you to fund operations, purchase inventory, and invest in growth without waiting for customer payments.

Does Resolve handle all aspects of credit assessment and collections for my customers?

Yes, Resolve serves as your "credit team on tap" by managing the complete credit lifecycle. The platform performs free business credit checks using AI and human expertise, makes credit decisions in seconds, advances payment on approved invoices, and handles collections and late payment follow-up. This eliminates the burden of credit management while protecting your customer relationships through white-label experiences.

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.