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.
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:
Pricing Structure:
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.
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:
Pricing Considerations:
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.
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:
Limitations:
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.
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:
Geographic Limitations:
Funding Societies addresses a completely different market segment and geography than Resolve, making it irrelevant for US B2B sellers seeking net terms financing capabilities.
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:
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.
For US-based B2B sellers evaluating funding alternatives to Aspire, the decision depends on your specific needs:
By Business Requirements:
Cost Comparison for $100,000 Monthly Invoicing:
Implementation Timeline:
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.
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.
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.
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.
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.
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.