Aspire Funding Alternatives

While Aspire excels at multi-currency business banking for Southeast Asia with free accounts and expense management, US-based B2B sellers needing net terms financing require a different solution entirely. Resolve's B2B net terms platform fills this critical gap by providing 100% non-recourse financing that Aspire and similar banking platforms simply don't offer, enabling businesses to extend credit safely while getting paid upfront.

Key Takeaways

Net terms financing vs. business banking: Aspire provides multi-currency accounts and expense management but lacks B2B credit extension capabilities; Resolve specializes exclusively in risk-free net terms financing for US B2B sellers
100% non-recourse protection eliminates risk: Resolve is the only major platform offering complete credit risk transfer on financed invoices, with bad debt going to Resolve, not the merchant
Fast implementation in days, not weeks: Resolve can go live in hours to days with standard e-commerce and accounting integrations versus the lengthy enterprise deployments of traditional solutions
Transparent, competitive pricing: Published 2.61-3.5% fee structure for net 30 terms provides predictable costs versus opaque enterprise contracts
Complete AR automation + financing: Unified platform handles credit checks, invoicing, payment collection, reconciliation, and financing—not just isolated features
AI-powered underwriting: Fast credit decisions, with some approvals in seconds accelerate sales cycles by an estimated 90% compared to traditional manual processes

1. Resolve — The Only True Alternative for B2B Net Terms Financing

Resolve stands as the premier alternative for businesses seeking what Aspire cannot provide: comprehensive B2B net terms financing with 100% non-recourse protection. While Aspire focuses on multi-currency business banking for Southeast Asia, Resolve specializes exclusively in enabling US B2B sellers to offer Net 30, 60, or 90-day payment terms while receiving up to 100% of invoice value upfront—all without assuming credit risk.

According to the Federal Reserve, managing working capital effectively is critical for business growth, and offering trade credit terms has become increasingly important in B2B commerce. Resolve addresses this need by combining financing with complete accounts receivable automation.

Key Features:

100% non-recourse financing with zero merchant risk
AI-powered credit decisions with some approvals in seconds
Net 30, 60, or 90-day payment terms
Up to 100% advance payment within 1-2 business days
Risk-based fees ranging from 2.61% to 3.5% for net 30 terms
Major platform integrations including QuickBooks, NetSuite, Shopify, and BigCommerce
White-label payment portal accepting ACH, credit card, wire, and check payments

Pricing Structure:

Fees range from 2.61% to 3.5% for net 30 terms depending on advance percentage and risk
No monthly minimums, setup fees, or hidden charges
Credit card fees passed directly to buyers via online payment portal
Custom pricing available for enterprise volumes

The platform's AI-driven automation reduces manual AR work by an estimated 14+ hours per week while increasing average order value by approximately 40% and driving around 20% year-over-year sales growth. Unlike traditional factoring, Resolve maintains merchant control over customer relationships while handling credit assessment, collections, and payment processing.

Research from the U.S. Small Business Administration shows that cash flow management is one of the top challenges facing small businesses, making solutions like net terms financing particularly valuable for B2B operations. Resolve's proprietary underwriting combines AI models with expertise from former Amazon, PayPal, and Fortune 500 professionals to deliver deeper credit insights than traditional bureaus.

The platform currently serves over 12,000 businesses with backing from Initialized Capital and Commerce Ventures. For businesses specifically needing B2B credit extension capabilities, Resolve's AR automation provides the complete solution that Aspire's business banking platform doesn't address.

2. Airwallex — Global Payments Without Net Terms

Airwallex offers extensive global payment capabilities with 20+ currency accounts and 160+ local payment methods across 120+ countries. The enterprise-grade platform provides strong e-commerce integrations with Amazon, Shopify, and global marketplaces, making it suitable for businesses with significant international operations.

Platform Strengths:

Multi-currency accounts with local IBANs in 20+ currencies
Extensive local payment method support
Enterprise features including FX hedging and fraud detection
Strong e-commerce and marketplace integrations
API access for custom implementations

Pricing Considerations:

Monthly fees starting at $99 for Grow plan
FX fees ranging from 0.4-1.0%
Higher costs may be prohibitive for smaller businesses
No net terms financing or B2B credit extension capabilities

While Airwallex excels at global payments and multi-currency management, it serves a different purpose than net terms financing platforms. Businesses requiring both capabilities would need to use Airwallex for international payments alongside Resolve for domestic net terms extension.

3. Wise Business — Low-Cost International Transfers

Wise Business provides competitive foreign exchange fees starting from 0.57% on mid-market rates, supporting transfers in 40+ currencies. The platform offers basic invoicing tools and integrates with major accounting software like Xero and QuickBooks.

Core Capabilities:

Transparent FX rates starting from 0.57% markup
40+ currency support for international transfers
Basic invoicing and payment collection features
Accounting software integrations
Physical and virtual business cards

Limitations:

Limited AR automation beyond basic invoicing
No B2B net terms financing or credit extension
Minimal collections and credit management features
Primarily focused on international transfers rather than comprehensive B2B payments

Wise Business serves businesses primarily needing cost-effective international transfers but lacks the sophisticated net terms financing and AR automation that Resolve's B2B payments provides for domestic B2B transactions.

4. Funding Societies — Southeast Asia SME Lending

Funding Societies is a major digital financing platform for SMEs in Southeast Asia, having secured significant funding to support regional businesses. The platform offers fast 2-day approval on term loans, trade finance, and invoice financing specifically designed for the Southeast Asian market.

Regional Focus:

Fast 2-day SME loan approvals
Term loans, trade finance, and invoice financing
AI/ML-powered credit assessment
Strong presence in Singapore, Indonesia, Malaysia, Thailand, and Vietnam
Significant regional payment processing capabilities

Geographic Limitations:

Exclusively focused on Southeast Asia
Not suitable for US-based businesses
Different product focus (term loans vs. net terms financing)
No integration with US e-commerce platforms

Funding Societies addresses a completely different market segment and geography than Resolve, making it irrelevant for US B2B sellers seeking net terms financing capabilities.

Understanding the Fundamental Difference

The critical distinction between Aspire and Resolve lies in their core purposes: Aspire is a business banking platform offering multi-currency accounts, corporate cards, and expense management—primarily optimized for Southeast Asia. Resolve is a specialized B2B net terms financing platform designed exclusively for US B2B sellers needing risk-free credit extension.

According to U.S. Census Bureau data, B2B e-commerce continues to grow substantially, creating increased demand for flexible payment solutions. This market evolution has made net terms financing capabilities increasingly essential for competitive B2B operations.

When to Choose Each Platform:

Choose Aspire when you need: Multi-currency business accounts, corporate cards with 1% cashback, expense management, and payments for Southeast Asia operations
Choose Resolve when you need: B2B net terms financing with 100% non-recourse protection, AR automation, credit risk transfer, and upfront payment on invoices for US customers

For comprehensive financial operations, many businesses may benefit from using both platforms: Aspire for international banking and expense management, and Resolve for domestic B2B credit extension and accounts receivable automation.

Making the Right Choice for Your Business

For US-based B2B sellers evaluating funding alternatives to Aspire, the decision depends on your specific needs:

By Business Requirements:

Need net terms financing: Resolve is the only viable option among these alternatives
Need multi-currency accounts: Aspire or Airwallex for international operations
Need low-cost FX transfers: Wise Business for pure transfer needs
Operating in Southeast Asia: Funding Societies for regional lending needs
Require complete AR automation: Resolve provides unified credit, invoicing, and collections

Cost Comparison for $100,000 Monthly Invoicing:

Resolve: Approximately $2,610-$3,500 monthly (2.61%-3.5% of financed volume)
Aspire: $0 monthly fees but no net terms capability
Airwallex: $99+ monthly plus transaction fees, no net terms
Wise Business: Low FX fees but no net terms financing
Funding Societies: Regional SME loans, not applicable for US businesses

Implementation Timeline:

Resolve: 1-2 weeks with standard integrations
Aspire: Days to weeks for account setup
Airwallex: 4-8 weeks for enterprise implementations
Wise Business: Days to weeks for basic setup
Funding Societies: 2 days for regional SME loan approval

For businesses specifically seeking B2B net terms capabilities that Aspire doesn't provide, Resolve's net terms management offers the comprehensive solution needed to extend credit safely while maintaining healthy cash flow.

Frequently Asked Questions

What is non-recourse invoice advancement, and how does it differ from traditional factoring?

Non-recourse invoice advancement means the financing provider assumes 100% of the credit risk, so merchants face zero liability if customers default. Unlike traditional factoring which often requires 5-20% fees and loss of customer control, Resolve offers transparent flat-rate pricing (2.61-3.5%) while maintaining merchant relationships. The advance payment (up to 100% of invoice value) is provided upfront, but bad debt responsibility transfers entirely to Resolve.

How can offering flexible net terms benefit my B2B business?

Offering flexible net terms can increase average order value by an estimated 40% and drive approximately 20% year-over-year sales growth by enhancing buyer purchasing power. Customers can place larger orders and buy more frequently when they have 30-90 days to pay, while Resolve pays you upfront so your cash flow remains healthy. This approach builds customer loyalty and competitive advantage without assuming credit risk.

What kind of automation does Resolve offer for accounts receivable?

Resolve's AI-powered platform automates the entire net terms workflow from invoice to payment, saving an estimated 14+ hours per week on manual AR tasks. Features include automated payment reminders, LLM-powered invoice reconciliation, smart collections management, and real-time transaction syncing with accounting software. The platform handles credit assessment, invoicing, payment processing, and collections—all through a unified interface.

How does Resolve conduct business credit checks, and what information is needed?

Resolve provides free instant credit checks requiring only a customer's business name and address—no forms or customer interaction needed. The platform combines AI models analyzing thousands of data points with human expertise from former Amazon, PayPal, and Fortune 500 professionals to deliver deeper insights than traditional credit bureaus. Results are typically delivered within 24 hours, with some purchases qualifying for instant approval.

What integrations does Resolve offer with existing business platforms?

Resolve offers extensive integrations with major platforms including QuickBooks, NetSuite, Sage, Oracle, Shopify, BigCommerce, WooCommerce, and Magento. The platform provides instant plug-ins, flexible APIs, and automated syncing to connect directly with your existing B2B e-commerce and accounting stack. Implementation typically takes 1-2 weeks with standard integrations, and the system automatically imports customer information without manual entry.

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.