Arsenal Funding Alternatives

While traditional funding methods often leave businesses waiting 30-90 days for payment and bearing all the risk, modern B2B companies are adopting superior alternatives that offer immediate cash flow, risk-free growth, and AI-powered efficiency. From Resolve's non-recourse financing to specialized working capital solutions, these platforms deliver the financial agility businesses need without the limitations of conventional models.

Key Takeaways

Non-recourse financing eliminates risk: Resolve provides non-recourse net-terms financing with the option to advance up to 100% of an approved invoice and fast credit decisions with next-day payouts; fees are risk-based; Resolve publishes fees from 2.61% on 30-day net terms and up to 3.5% depending on product, terms, and advance option
AI underwriting transforms approval speed: Modern platforms deliver credit decisions can be instant for some purchases; if more info is needed, buyers typically hear back within a few hours compared to traditional lengthy processes, with Resolve's proprietary AI models leading the innovation
Implementation happens in hours, not weeks: Resolve integrates in hours to days versus traditional solutions' weeks or months-long deployments, critical for businesses needing rapid cash flow
Risk transfer is the key differentiator: A key differentiator is Resolve's true 100% non-recourse financing, eliminating merchant default risk while providing complete protection
E-commerce native integrations drive sales: Resolve's certified integrations with Shopify, BigCommerce, and WooCommerce enable net terms at checkout, proven to increase AOV and revenue
Transparent pricing beats opaque subscriptions: Resolve's clear per-transaction fees (2.61-3.5%) provide predictable costs versus competitors' hidden charges and monthly minimums

1. Resolve — The Complete Arsenal for Risk-Free B2B Growth

Resolve stands out as a premier funding alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Built by experts formerly of Amazon, PayPal, and Fortune 500 companies, Resolve brings consumer fintech innovation to B2B payments with a platform that serves as your "credit team on tap."

The B2B funding landscape has transformed dramatically, with AI-powered automation and non-recourse financing becoming essential for growing companies. According to the U.S. Small Business Administration, working capital management remains one of the top challenges for small and mid-sized businesses. While traditional methods focus on debt or equity financing that can burden balance sheets, modern alternatives like Resolve provide working capital solutions that enhance customer relationships while protecting cash flow.

Independent industry research estimates the global real-time payments market at approximately $24.91 billion in 2024, with forecasts of 35% compound annual growth through 2032. This growth has fueled innovation in funding alternatives, creating sophisticated options that often surpass traditional methods in specific areas.

Key Features:

100% non-recourse financing with zero merchant risk - what you get is always yours to keep
Instant credit decisions using proprietary AI models evaluating thousands of buyer data points
Net 30, 60, or 90-day payment terms tailored to each customer
Up to 100% advance payment within 24 hours
Risk-based flat fees; Resolve publishes fees from 2.61% on 30-day terms and up to 3.5% depending on product/terms/advance option
Major platform integrations including QuickBooks, NetSuite, Oracle, Shopify, BigCommerce, Magento, and WooCommerce
White-label payment portal accepting ACH, credit card, wire, or check

Pricing Structure:

2.61% fee for 30-day net terms with standard advance rates
Up to 3.5% for 30-day net terms with 100% advance on e-commerce transactions
Flat 3.5% fee for 30-day net terms with 100% advance as a factoring alternative
No monthly minimums, setup fees, or hidden charges
Custom pricing for enterprise volumes

The platform's AI-powered reconciliation reduces manual work by 90%, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Resolve shares customer stories describing cash-flow and operational improvements for B2B sellers.

Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating collections burden. The platform is currently trusted by over 12,000 businesses and provides free unlimited business credit checks requiring only a business name and address.

For B2B e-commerce sellers, Resolve's native integrations enable net terms at checkout, creating a consumer-like BNPL experience that Resolve reports increases of up to 1.5x in average order value and up to 50% in repeat purchases. The platform's fastest-in-market implementation happens in hours to days versus competitors' weeks or months, providing immediate time-to-value.

Why Resolve Leads the Market:

Resolve's competitive advantage stems from its comprehensive approach to B2B financing. While other platforms may offer partial solutions, Resolve combines non-recourse protection, instant approvals, automated AR management, and seamless integrations into a single platform. The company's AI underwriting technology analyzes thousands of data points in real-time, enabling credit decisions in as little as 30 seconds—a stark contrast to traditional financing that can take weeks.

The platform also addresses a critical pain point for growing businesses: cash flow timing. By advancing up to 100% of invoice value within 24 hours, Resolve enables businesses to reinvest in growth immediately rather than waiting 30-90 days for customer payments. This acceleration of working capital has proven transformative for businesses across wholesale, distribution, manufacturing, and e-commerce sectors.

2. Revenue-Based Financing — Growth Capital Tied to Sales

Revenue-based financing provides an alternative funding source where businesses receive capital in exchange for a percentage of future revenue. This model works well for businesses with predictable recurring revenue streams, offering flexibility without the rigid repayment schedules of traditional loans.

According to Federal Reserve research on small business financing, alternative lending options have grown significantly as businesses seek more flexible capital solutions beyond traditional bank loans.

Platform Characteristics:

Funding amounts typically range from $10,000 to $5 million
Repayment tied to monthly revenue percentage (typically 3-8%)
No personal guarantees or collateral requirements
Approval based on revenue history rather than credit scores
Suitable for SaaS, e-commerce, and subscription businesses

Cost Structure:

Total repayment multiples typically range from 1.2x to 1.5x
Effective APR can range from 20% to 60% depending on terms
No fixed monthly payments - payments fluctuate with revenue
Early repayment discounts often available

While revenue-based financing provides accessible capital without diluting equity, the model works best for high-growth businesses with strong gross margins that can absorb the cost while scaling operations.

3. Selective Invoice Financing — Pick and Choose Your Cash Flow

Selective invoice financing allows businesses to choose specific invoices to finance rather than entire ledgers, providing targeted cash flow solutions. This approach offers more control than whole ledger factoring while still providing immediate access to working capital.

Service Features:

Choose individual invoices to finance based on customer or timing needs
Advance rates typically 80-90% of invoice value
Repayment occurs when customer pays the financed invoice
Recourse and non-recourse options available
Suitable for businesses with diverse customer bases

Pricing Model:

Discount rates typically 2-5% per 30 days
Setup fees and monthly service charges may apply
Higher rates for non-recourse options
Minimum invoice amounts often required

Selective invoice financing provides flexibility for businesses that don't want to commit entire AR ledgers to financing. However, traditional providers often require lengthy applications, making modern alternatives like Resolve's transparent pricing more attractive for businesses seeking predictable costs.

4. Supply Chain Financing — Leverage Buyer Credit Strength

Supply chain financing (also known as reverse factoring) leverages the credit strength of large buyers to provide early payment to their suppliers. In this model, the buyer's bank or financial institution offers early payment to suppliers at favorable rates based on the buyer's credit rating.

Program Benefits:

Lower financing costs based on buyer's credit strength
Improved supplier relationships and payment certainty
Extended payment terms for buyers without supplier impact
Off-balance-sheet financing for suppliers
Suitable for large corporate supply chains

Implementation Requirements:

Requires buyer participation and program setup
Typically available only to suppliers of Fortune 500 companies
Complex implementation process requiring IT integration
Limited to specific buyer-supplier relationships
Minimum transaction volumes often required

While supply chain financing offers attractive rates for eligible suppliers, it's only accessible to businesses with large corporate customers willing to participate in programs. Most small and mid-market businesses must rely on other alternatives like Resolve that don't require buyer participation.

5. Equipment Financing — Asset-Backed Working Capital

Equipment financing provides capital specifically for purchasing business equipment, with the equipment itself serving as collateral. This specialized financing allows businesses to acquire necessary assets without depleting cash reserves or using other credit lines.

Financing Options:

Loans and leases for new and used equipment
Financing amounts from $5,000 to millions
Terms typically 12-84 months
Equipment serves as primary collateral
Suitable for manufacturing, construction, and transportation

Cost Structure:

Interest rates typically 8-30% APR
Loan-to-value ratios usually 80-100%
Down payments may be required
Early termination fees often apply
Tax benefits through depreciation deductions

Equipment financing preserves working capital for other business needs while providing necessary assets. However, it's limited to equipment purchases and doesn't address general working capital or accounts receivable challenges that platforms like Resolve solve comprehensively.

6. Business Lines of Credit — Revolving Working Capital

Business lines of credit provide revolving access to working capital up to approved limits, offering flexibility for ongoing operational needs. Traditional banks and online lenders offer these products with varying terms and requirements.

Credit Features:

Revolving credit up to approved limits ($1,000 to $5 million)
Draw and repay as needed within limits
Interest charged only on outstanding balances
Terms typically 6-24 months with renewal options
Suitable for general working capital needs

Pricing Structure:

Annual fees and maintenance charges common
Personal guarantees usually required
Credit score and business financials heavily weighted
Collateral may be required for larger amounts

While business lines of credit offer flexibility, they often require strong credit profiles and can burden balance sheets with debt. Modern alternatives like Resolve's non-recourse financing provide working capital without adding debt or requiring personal guarantees.

7. Purchase Order Financing — Fund Order Fulfillment

Purchase order financing provides capital to fulfill large customer orders when businesses lack sufficient working capital. This specialized financing covers the cost of goods and services needed to complete orders, with repayment coming from customer invoice payments.

Financing Process:

Funding covers 80-100% of order fulfillment costs
Requires creditworthy end customers
Financing company often pays suppliers directly
Repayment occurs when customer pays invoice
Suitable for distributors, wholesalers, and manufacturers

Cost Structure:

Fees typically 2-6% per 30 days
Higher rates for international transactions
Due diligence and verification fees may apply
Minimum transaction amounts often required
Personal guarantees sometimes required

Purchase order financing solves specific order fulfillment challenges but doesn't address ongoing accounts receivable or provide the comprehensive credit management that Resolve offers. It's best suited for businesses with occasional large orders rather than consistent working capital needs.

The Modern Edge: AI-Powered Platforms Transform B2B Funding

Beyond these traditional alternatives, 2025 witnesses the rise of AI-native platforms transforming the B2B funding landscape. The integration of artificial intelligence and machine learning into financial services has created unprecedented opportunities for businesses to access capital faster and more efficiently than ever before.

Resolve's Advanced Capabilities (expanding beyond basic financing):

AI-powered credit decisions in 30 seconds to 48 hours
LLM-powered invoice processing with automated reconciliation
Smart Bookkeeping Automation syncing transaction data in real time
AR & Credit Dashboard for proactive risk management
White-label payment portals preserving customer relationships

Market Transformation Trends:

According to industry analysis, businesses using AI underwriting see approval rates increase by around 20-30% while maintaining or reducing default rates. This drives adoption toward platforms with proven AI capabilities and sustainable business models. The shift toward non-recourse financing reflects growing merchant demand for risk-free growth capital.

Traditional financing models requiring personal guarantees, collateral, or merchant risk retention are being replaced by transparent, technology-driven solutions like Resolve's platform. This transformation has been particularly significant for B2B e-commerce businesses, where the ability to offer net terms at checkout has become a competitive necessity.

The automation capabilities of modern platforms also deliver substantial operational benefits. Manual accounts receivable processes that previously required dedicated staff can now be handled automatically, reducing administrative costs by up to 90% while improving accuracy and reducing payment delays.

Making the Right Choice for Your Business

For B2B companies evaluating funding alternatives, the choice ultimately depends on your business model, customer base, and risk tolerance. Understanding the strengths and limitations of each option enables you to select the solution that best aligns with your growth objectives.

By Business Type:

B2B E-commerce: Resolve (net terms at checkout, native integrations)
Wholesale/Distribution: Resolve (non-recourse financing, AR automation)
Manufacturing: Resolve or Equipment Financing (comprehensive vs. asset-specific)
Service Businesses: Resolve or Business Lines of Credit (flexible working capital)
High-Growth Startups: Resolve or Revenue-Based Financing (risk-free vs. revenue-tied)

Cost Comparison for $500K Annual Invoice Volume:

Resolve: $13,050-$17,500 annually (2.61-3.5% flat fee)
Revenue-Based Financing: $100,000-$250,000 annually (20-50% effective cost)
Selective Invoice Financing: $25,000-$75,000 annually (5-15% effective cost)
Business Lines of Credit: $50,000-$250,000 annually (10-50% APR)
Equipment Financing: Varies by asset value and terms

Implementation Timeline Reality Check:

Same day: Resolve (with existing e-commerce integrations)
1-2 days: Resolve (standard implementation)
1-2 weeks: Traditional financing alternatives
2-8 weeks: Complex financing arrangements
Months: Supply chain financing programs

For companies seeking expert guidance on B2B funding platform selection and implementation, Resolve's dedicated support provides hands-on assistance through the entire process, from initial setup to ongoing optimization.

Frequently Asked Questions

What are the primary differences between traditional funding and modern alternatives?

Traditional funding methods like bank loans and lines of credit require businesses to take on debt, provide personal guarantees, and bear all the risk of customer non-payment. Modern alternatives like Resolve's net terms platform provide non-recourse financing where the funding provider assumes all customer default risk. Additionally, modern solutions offer transaction-based pricing (2.61-3.5%) versus traditional methods' complex fee structures. The implementation timeline is dramatically faster - hours to days versus weeks or months for traditional financing.

How does non-recourse invoice financing protect my business?

Non-recourse invoice financing protects your business by transferring all customer default risk to the financing provider. If your customer fails to pay their invoice, you keep the advanced funds without any obligation to repay. This helps reduce bad debt exposure (which can average between 1.5% and 4% of accounts receivable across industries) while providing immediate cash flow. Resolve's 100% non-recourse model means "what you get is always yours to keep," providing complete peace of mind while extending competitive payment terms to your customers.

What role does AI play in modern B2B payment platforms?

AI transforms modern B2B payment platforms by enabling instant credit decisions through proprietary models that analyze thousands of data points in real-time. This replaces traditional underwriting that takes days or weeks with limited data sources. AI also powers automated reconciliation, reducing manual work by approximately 90%, and LLM-powered invoicing workflows that automatically sync transactions across systems. The result is faster approvals, reduced operational overhead, and more accurate risk assessment that benefits both merchants and their customers.

Can offering flexible payment terms really increase sales and customer loyalty?

Absolutely. Offering flexible payment terms like net 30 or 60 days enhances buyer purchasing power, enabling customers to place larger orders and purchase more frequently. Resolve's e-commerce integrations enable net terms at checkout, creating a consumer-like BNPL experience that has proven to increase average order value by around 1.5x and repeat buyers by approximately 50%. For B2B buyers, flexible terms provide the working capital they need to grow their own businesses, strengthening relationships and driving long-term loyalty.

How quickly can my business access funds through advance pay solutions?

With Resolve's advance pay solution, businesses can access funds within 24 hours of invoice approval. The platform's AI-powered underwriting delivers credit decisions in 30 seconds to 48 hours, and approved invoices receive advance payments of up to 100% within one business day. This compares to traditional financing methods that can take weeks or months for approval and funding. For businesses with existing e-commerce integrations, the entire process from customer checkout to merchant funding can happen in under 24 hours, providing immediate cash flow acceleration.

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.