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.
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:
Pricing Structure:
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.
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:
Pricing Model:
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.
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:
Implementation Considerations:
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.
HighRadius offers advanced AI-driven AR automation for global enterprises, featuring comprehensive cash application automation and credit management capabilities.
Advanced Features:
Enterprise Considerations:
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.
FundThrough provides focused invoice factoring services for SMBs, offering a straightforward alternative to traditional factoring companies.
Financing Features:
Cost Structure:
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.
Invoiced offers an accessible AR automation solution for small businesses with straightforward pricing and essential features.
Platform Benefits:
Limitations:
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 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:
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.
For B2B companies evaluating Arcarius alternatives, the choice depends on your specific needs:
Choose Resolve when you need:
Choose Bill.com when you need:
Choose Billtrust or HighRadius when you need:
ROI Consideration - Resolve Advantage:
According to Resolve case studies, businesses achieve:
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.
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.
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.
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.
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.
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.