Ascentium Capital Alternatives: Modern B2B Payment Solutions for Growing Businesses

While Ascentium Capital is known for equipment financing, modern B2B companies are discovering superior alternatives that offer flexible invoice financing, transparent pricing, and AI-powered automation. From Resolve's non-recourse net terms to specialized equipment lenders, these platforms deliver the working capital businesses need without being limited to asset-only financing.

Key Takeaways

Non-recourse financing eliminates risk: Resolve provides 100% non-recourse financing with the option to advance up to 100% of approved invoices, completely eliminating seller default risk
Flexible use cases beyond equipment: Unlike Ascentium's equipment-only focus, Resolve finances any B2B invoice type, enabling comprehensive working capital solutions
Up to 87% cost savings: Resolve's transparent 2.61-3.5% flat fees dramatically undercut traditional factoring's rates based on pricing comparisons
AI-powered automation reduces workload: Significant reduction in accounts receivable workload through AI agents managing invoicing, collections, and reconciliation
No seller qualification required: Resolve evaluates buyer creditworthiness, not seller - enabling new businesses to offer net terms immediately
Instant credit decisions: AI underwriting delivers faster approvals versus hours or days with traditional lenders

1. Resolve — The Modern Alternative to Equipment-Only Financing

Resolve emerges as the premier Ascentium Capital alternative by offering comprehensive B2B payment solutions that transcend equipment-only limitations. Developed from the same team that created Affirm and backed by Y Combinator, Initialized Capital, and PayPal Ventures, Resolve brings consumer fintech innovation to B2B commerce.

The platform currently serves over 15,000 businesses and has secured $25 million in Series A funding led by Insight Partners. Recent customer success stories demonstrate significant impact: businesses report 75% growth unlocked through Resolve's platform, with one accounting manager noting work requirements "decreased by at least 90%."

Key Features:

100% non-recourse financing with zero seller risk
AI-powered AR automation reducing manual work
Net terms options of 30, 60, or 90 days
Up to 100% advance payment within one day
Transparent flat fees of 2.61-3.5%
ERP integrations including QuickBooks and NetSuite
White-label payment portal accepting ACH, credit card, wire, and check

Pricing Structure:

Resolve offers flat fees ranging from 2.61% to 3.5% based on risk and advance percentage. Based on Resolve's pricing examples, their fees can be up to 87% lower than traditional factoring rates. The platform charges no monthly minimums, setup fees, or hidden charges, with custom pricing available for enterprise volumes.

The platform's AI-powered credit decisions evaluate thousands of buyer data points in seconds, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Unlike equipment financing that's limited to asset purchases, Resolve finances any B2B invoice, enabling businesses to offer net terms on their entire product catalog.

Resolve's business credit check service requires only a company name and address, delivering results as fast as same-day. This contrasts sharply with traditional equipment lenders that require extensive seller financial documentation and credit checks.

Why Modern B2B Companies Choose Comprehensive Payment Platforms

Industry analysis shows Ascentium Capital's $1.65 billion annual volume is impressive, but businesses increasingly need flexible financing beyond single-asset equipment purchases. This has fueled innovation in B2B payment platforms that offer superior value propositions for diverse business scenarios.

The B2B payments landscape has transformed dramatically, with AI-powered automation and non-recourse financing becoming essential for growing companies. According to research on B2B payment trends, businesses are increasingly moving away from asset-specific financing toward comprehensive solutions. This shift reflects the reality that growing businesses need flexible working capital across their entire sales cycle, not just for equipment purchases.

Resolve's Comprehensive Approach (expanding beyond equipment-only financing):

Any B2B invoice financing - not limited to equipment, inventory, or specific assets
Non-recourse protection eliminating seller default risk
AI-powered AR automation reducing manual work significantly
Transparent flat-fee pricing at 2.61-3.5%

The move toward non-recourse financing reflects growing merchant demand for risk-free growth capital. Traditional equipment financing models requiring personal guarantees and recourse liability are being replaced by transparent, technology-driven solutions like Resolve's platform.

2. Crest Capital — Established Equipment Financing for Strong Credit

Crest Capital represents a traditional equipment financing alternative with established experience in the industry. The company specializes in equipment loans from $5,000 to $500,000 with financing terms up to 84 months.

Platform Strengths:

Application-only process for loans up to $250,000 without tax returns
No blanket lien requirement, protecting business assets
Same-day approval decisions
Financing for a wide range of equipment types
Established reputation in equipment finance

Qualification Requirements:

Minimum credit score requirements
Established business history
Strong financial statements for larger deals
Equipment must serve as collateral

Crest Capital's no blanket lien policy protects business assets beyond the financed equipment, making it attractive for asset-heavy businesses. However, this traditional equipment-only approach cannot address broader working capital needs or general invoice financing requirements.

The platform's focus on established businesses with strong credit profiles excludes newer companies or those with credit challenges. For businesses specifically needing equipment financing with strong qualifications, Crest Capital offers a reliable traditional option, but it lacks the comprehensive B2B payment capabilities of modern platforms.

3. National Funding — Startup-Friendly Equipment Financing

National Funding occupies a distinct niche by offering equipment financing to newer businesses with lower credit requirements. The platform provides funding up to $150,000 with faster approval processes than traditional lenders.

Accessibility Advantages:

6 months in business requirement
Minimum 600 credit score
24-hour funding or less
Equipment financing up to $150,000
Flexible equipment categories accepted

Cost Considerations:

APR range of 7-19%
Higher costs for lower credit profiles
Equipment-only financing limitation
Lower maximum funding amounts

National Funding's startup-friendly approach makes equipment financing accessible to newer businesses that might not qualify with traditional lenders. The 24-hour funding timeline provides speed advantages for urgent equipment needs.

However, the platform's $150,000 maximum limits larger equipment purchases, and the equipment-only focus cannot address general working capital needs. For businesses specifically needing smaller equipment financing with newer operations, National Funding offers a viable traditional alternative, but it lacks the comprehensive B2B payment automation of modern platforms.

4. Balboa Capital — Fast Equipment Financing for Heavy Machinery

Balboa Capital specializes in fast equipment financing with a particular focus on heavy machinery and specialized equipment. The platform offers funding from $5,000 to $500,000 with same-day to 48-hour approval timelines.

Specialized Capabilities:

Same-day to 48-hour funding
Heavy machinery and specialized equipment expertise
Financing up to $500,000
No upfront fees
Equipment leasing and loan options

Qualification Structure:

Minimum 620 credit score
1 year in business requirement
Equipment serves as collateral
Down payment may be required for higher-risk deals

Balboa Capital's heavy machinery specialization makes it attractive for construction, manufacturing, and industrial businesses needing specialized equipment financing. The fast approval timeline addresses urgent equipment acquisition needs.

However, like other equipment lenders, Balboa Capital cannot finance general invoices or provide working capital beyond equipment purchases. The platform's traditional recourse financing model also means borrowers remain liable for repayment even if equipment value declines. For businesses specifically needing heavy machinery financing, Balboa Capital offers expertise, but it lacks the comprehensive B2B payment solutions of modern platforms.

5. Wingspire Capital — Large Corporate Equipment Finance

Wingspire Capital serves the opposite end of the spectrum from startup-focused lenders, specializing in large corporate equipment financing deals. The platform focuses on asset-based lending and corporate finance for established enterprises with deals ranging from around $5 million to $200 million or more.

Enterprise Capabilities:

Large deal capacity for major equipment purchases
Asset-based lending expertise
Corporate finance specialization
Complex deal structuring capabilities
Established corporate relationships

Market Position:

Focuses exclusively on large enterprises
Complex approval processes typical of large deals
Equipment and asset-based collateral requirements
Traditional recourse financing model

Wingspire Capital fills the gap for very large equipment financing needs that exceed Ascentium Capital's typical deal size. The platform's expertise in complex corporate finance and asset-based lending serves Fortune 500 companies and large enterprises with significant equipment acquisition needs.

However, Wingspire's focus on massive deals excludes small and mid-market businesses entirely. The platform also lacks modern B2B payment automation features, AR management capabilities, or non-recourse financing options. For businesses requiring very large equipment financing, Wingspire Capital offers capacity, but it cannot address the comprehensive B2B payment needs of most growing companies.

6. TimePayment — Equipment Leasing Specialist

TimePayment represents the equipment leasing alternative to Ascentium Capital's loan-focused approach. The platform specializes in equipment leasing rather than purchase financing, offering different financial structures for businesses preferring operational leases over asset ownership.

Leasing Advantages:

Equipment leasing rather than purchase financing
Technology and equipment specialization
Flexible lease structures
Potential tax advantages of leasing vs. buying
Preserves capital for other business needs

Limitations:

Equipment-only financing focus
Leasing may cost more long-term than purchasing
No ownership of equipment at lease end
Traditional recourse financing model
Limited to specific equipment categories

TimePayment's leasing focus provides an alternative financial structure for businesses that prefer operational expenses over capital expenditures. This can be advantageous for rapidly depreciating technology or equipment that becomes obsolete quickly.

However, the leasing-only approach limits flexibility compared to purchase financing, and businesses never gain asset ownership. Like other equipment specialists, TimePayment cannot address general invoice financing or working capital needs beyond equipment. The platform serves a specific niche but lacks the comprehensive B2B payment capabilities of modern platforms.

Making the Right Choice for Your Business

For B2B companies evaluating Ascentium Capital alternatives, the choice ultimately depends on your specific financing needs, business stage, and growth objectives:

By Financing Need:

Comprehensive B2B invoice financing: Resolve (flexible, non-recourse, AI-powered)
Large equipment purchases ($1M-$2M): Ascentium Capital (equipment-only focus)
Very large equipment deals ($5M+): Wingspire Capital (corporate finance capacity)
Startup equipment needs: National Funding (lower credit requirements)
Heavy machinery financing: Balboa Capital (specialized expertise)
Established business equipment: Crest Capital (no blanket lien protection)

Cost Comparison for $10,000 Financing:

Resolve: $261-$350 (2.61-3.5% flat fee, significantly cheaper than factoring)
Ascentium Capital: Variable interest + fees (not disclosed publicly)
Crest Capital: Estimated 6-15% APR equivalent
National Funding: 7-19% APR equivalent
Balboa Capital: Estimated 5-20% APR equivalent

Implementation Timeline:

Same day: Resolve (with existing integrations)
1-3 days: Equipment financing alternatives (Ascentium, Crest, National, Balboa)
1-2 weeks: Wingspire Capital (large deal complexity)
Equipment-only platforms require extensive documentation versus Resolve's buyer-focused evaluation

For businesses seeking to offer net terms while protecting cash flow, Resolve's B2B platform provides the most comprehensive solution. The platform's ability to finance any B2B invoice - not just equipment - combined with non-recourse protection and AI automation makes it an excellent choice for growing companies.

Frequently Asked Questions

What are the main alternatives to Ascentium Capital for equipment financing?

For equipment-specific financing, alternatives include Crest Capital (established businesses, no blanket lien), National Funding (startups, lower credit requirements), Balboa Capital (heavy machinery, fast approval), and Wingspire Capital (very large deals). However, these platforms share Ascentium's limitation of financing only equipment purchases. For comprehensive B2B invoice financing beyond equipment, Resolve offers flexible financing for any B2B invoice with 100% non-recourse protection.

How can Resolve help businesses offer net terms and get paid faster?

Resolve enables businesses to offer net terms of 30, 60, or 90 days while receiving payment within one day. The platform advances up to 100% on approved invoices, completely eliminating the cash flow gap typically associated with net terms. Resolve's AI-powered underwriting evaluates buyer creditworthiness in seconds, and the AR automation handles invoicing, collections, and reconciliation automatically, reducing manual work significantly.

Are there financing options for startups without existing revenue?

Unlike traditional equipment lenders that require established business history and strong credit, Resolve evaluates buyer creditworthiness rather than seller qualifications. This means startups can offer net terms immediately without needing extensive business history or high credit scores. The platform's buyer-focused underwriting enables new businesses to compete with established competitors by offering professional payment terms from day one.

What are the benefits of using a B2B payments platform like Resolve over traditional methods?

Resolve offers significantly lower fees than traditional factoring (2.61-3.5% vs 20%+), 100% non-recourse financing eliminating seller risk, and AI-powered automation reducing AR workload substantially. Unlike equipment-only lenders, Resolve finances any B2B invoice, providing comprehensive working capital solutions. The platform also maintains seller control over customer relationships through white-label payment portals, unlike third-party collection approaches.

How does non-recourse financing protect my business cash flow?

Non-recourse financing means that once Resolve approves and advances payment on an invoice, the seller faces zero risk if the buyer defaults. All cash advances are non-recourse, so what you receive is always yours to keep. This eliminates bad debt risk, protects your balance sheet from customer payment failures, and enables risk-free growth. Traditional recourse financing (including all equipment lenders) leaves sellers liable for repayment, potentially creating cash flow crises if customers default.

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.