Backd Alternatives: 5 Best B2B Net Terms Options for 2025

While Backd offers business lending solutions with business financing terms up to 16 months, B2B companies specifically seeking net terms financing with complete risk protection are discovering superior alternatives. Resolve Pay leads this category with its 100% non-recourse financing model, transparent pricing, and AI-powered automation designed exclusively for B2B trade credit.

Key Takeaways

Non-recourse financing eliminates risk: Resolve provides 100% non-recourse financing with zero merchant liability if customers default, unlike Backd's recourse model
Transparent pricing available upfront: Resolve is the only platform with public pricing ($99/month + 2.61-3.5% transaction fees), while competitors require custom quotes
Faster cash flow acceleration: Resolve offers up to 100% advance versus Backd's 90% maximum, delivering more working capital faster
Complete AI-powered AR automation suite: Resolve's AI-powered platform automates credit, collections, reconciliation, and cash application
White-label customer experience: Resolve maintains your brand identity throughout the payment journey, unlike Backd's branded experience
Exceptional customer satisfaction: Resolve maintains outstanding ratings with verified customer reviews across multiple platforms

1. Resolve Pay — The Only Truly Risk-Free B2B Net Terms Solution

Resolve Pay stands out as the premier Backd alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Spun out from Affirm's B2B initiative in 2019 by former PayPal and Amazon executives, Resolve brings consumer fintech innovation specifically to B2B net terms financing.

Key Features:

100% non-recourse financing with zero merchant risk
AI-powered credit decisions in hours versus days
Net 30, 45, 60, or 90 payment terms with custom options
Up to 100% advance within 24 hours
Risk-based fees starting at 2.61% on 30-day terms
QuickBooks, NetSuite, and Xero integration
White-label payment portal preserving your brand

Transparent Pricing Structure:

Base subscription: $99/month
Transaction fees: 2.61-3.5% based on advance percentage and risk
100% advance available at 3.5% for 30-day terms
No setup fees, monthly minimums, or hidden charges
Credit card fees passed to buyer via payment portal

The platform's AI-powered AR automation reduces manual work by 90%, while its AI-powered reconciliation automatically syncs transactions across systems. Businesses using Resolve achieve documented results including up to 40% increase in average order value (AOV), up to 20% year-over-year revenue growth, and significant DSO reduction.

Unlike traditional financing models, Resolve maintains merchant control over customer relationships while eliminating collections burden and bad debt risk. The platform currently serves over 12,000 businesses across manufacturing, wholesale, and distribution sectors.

Resolve's complete AR suite goes beyond simple financing to provide end-to-end management of the credit-to-cash lifecycle. From instant credit applications requiring only business name and address to automated payment reminders and collections, Resolve functions as your "credit team on tap" without the overhead.

Why B2B Companies Choose Resolve Over Backd:

The fundamental difference lies in specialization and risk transfer. While Backd operates as a general business lender with recourse financing, Resolve focuses exclusively on B2B net terms with complete non-recourse protection. This means when you offer terms through Resolve, you receive your payment regardless of whether your customer pays—eliminating the single biggest risk in extending trade credit.

Resolve's transparent pricing model allows businesses to calculate exact costs before implementation, unlike Backd's custom quote approach. For a company processing $100,000 monthly in net terms transactions, Resolve's all-in costs range from approximately $37,188 to $43,188 annually based on published rates, making budgeting straightforward and predictable.

The platform's white-label approach ensures your customers interact with your brand throughout the payment experience, maintaining the relationship you've built while Resolve handles all backend credit risk, underwriting, and collections invisibly.

Market Context and Industry Trends

The B2B payments landscape has evolved significantly in 2025, with AI-powered automation and non-recourse financing becoming essential for growing companies. According to industry research, the B2B BNPL market is projected to reach $560.1 billion in 2025, growing at 13.7% annually.

This expansion reflects a fundamental shift in how businesses manage cash flow and customer relationships. Federal Reserve research shows that B2B payments increasingly favor digital solutions that combine credit extension with automation, as manual AR processes consume an estimated 15-25% of finance team resources at growing companies.

The rise of specialized platforms like Resolve demonstrates how B2B fintech has matured beyond general lending. While traditional business lenders like Backd serve multiple use cases, specialized net terms platforms deliver superior capabilities for companies whose primary need is extending credit to business customers while protecting cash flow and eliminating risk.

Modern B2B buyers expect the same seamless payment experiences they encounter as consumers. Research from the Association for Financial Professionals indicates that 73% of B2B buyers prefer suppliers offering flexible payment terms, and businesses that provide net terms options see average order values increase by 20-50% compared to upfront payment requirements.

2. CreditKey — Virtual Cards and Mobile Experience

CreditKey offers B2B net terms with a focus on virtual card capabilities and mobile-first buyer experience. The platform provides instant credit decisions and supports payment terms up to 12 months, filling the gap between Resolve's 90-day maximum standard terms and longer-duration financing needs.

Platform Strengths:

Virtual card program with physical and digital cards
Dedicated mobile app for buyer account management
Instant credit decisions at checkout
Omnichannel support across online and offline sales
Multiple ecommerce platform integrations
Point-of-sale financing for in-person B2B transactions
Flexible term options from 30 days to 12 months

Key Considerations:

Custom pricing requiring sales contact
Recourse model with merchant credit risk
Limited public review data
Branded customer experience rather than white-label

CreditKey excels for businesses prioritizing buyer convenience through mobile apps and card-based purchasing. The platform's virtual card functionality appeals to buyers who want familiar card-based workflows while accessing extended payment terms.

However, the recourse financing model means merchants remain responsible if buyers default, creating potential bad debt exposure. Businesses seeking complete risk protection will find Resolve's non-recourse model more advantageous for B2B trade credit.

3. TreviPay — Global Enterprise Payment Processing

TreviPay serves large B2B enterprises with global operations, processing billions annually in transaction volume across 20+ countries. The platform offers comprehensive payment automation with multi-currency support and advanced procurement controls designed for complex enterprise requirements.

Enterprise Capabilities:

Global coverage in 20+ countries with 10+ currencies
Advanced purchase controls and compliance tools
Full accounts receivable automation
Major partnerships including Walmart Business+
Comprehensive API ecosystem
Multi-entity support for complex corporate structures
Regulatory compliance across international jurisdictions

Enterprise Considerations:

Custom pricing requiring sales consultation
Enterprise-focused with higher cost structure
Risk model varies by implementation
Implementation complexity suited for large organizations
Longer deployment timelines than SMB-focused platforms

TreviPay's global scale and enterprise features benefit multinational corporations with complex international payment needs. The platform handles multi-currency settlements, country-specific compliance requirements, and integration with enterprise ERP systems.

For US-based small-to-midmarket businesses, Resolve's specialized net terms platform typically delivers better ROI through transparent pricing, faster implementation, and complete risk protection without enterprise-level complexity.

4. Hokodo — European B2B Trade Credit

Hokodo specializes in pan-European B2B buy now, pay later solutions with regulatory compliance across UK, France, and Lithuania. The platform offers digital trade credit with risk protection for EU businesses operating within European markets.

European Focus:

Pan-EU coverage with local regulatory compliance
All-in-one platform with built-in credit and collections
Non-recourse protection for European merchants
Omnichannel support for online and offline trade accounts
Local currency and payment method support
GDPR-compliant data handling

Geographic Limitations:

EU/UK focus without US market optimization
Not competing directly in North American market
Custom pricing requiring consultation
Limited applicability for US-based businesses

Hokodo represents the European equivalent to Resolve's US-focused approach, serving businesses whose primary markets are in the European Union. American businesses require a domestically optimized solution like Resolve for maximum effectiveness in North American B2B commerce.

5. When Backd Might Still Be Your Best Choice

Backd maintains strengths in specific scenarios where its general business lending approach better serves merchant needs beyond specialized net terms financing.

Backd Advantages:

Up to 16-month repayment terms for longer payment plans
General business loans and lines of credit beyond net terms
Fast approval processes for working capital
Strong customer reviews from business borrowers
Flexible funding for various business purposes

When to Choose Resolve Instead:

You specifically need net terms financing for B2B sales
Complete risk protection is essential for your business model
Transparent, calculable pricing matters for your decision-making
You want to maintain full control of customer relationships
Maximum advance rates (100% vs 90%) impact your cash flow needs
AR automation is a priority to reduce manual workload

For businesses primarily seeking B2B trade credit rather than general business lending, Resolve's specialized platform delivers superior automation, risk protection, and ROI specifically for extending payment terms to business customers.

Understanding the Difference:

Backd functions as a working capital provider—you borrow money to fund your business operations and repay the loan over time. This works well for inventory purchases, equipment financing, or bridging cash flow gaps.

Resolve operates as a trade credit platform—you offer terms to your customers, Resolve pays you immediately, and your customer pays Resolve on the agreed terms. If your customer defaults, you keep the money with zero liability. This fundamental difference makes Resolve superior specifically for businesses whose primary need is extending net terms to buyers.

Making the Right Choice for Your B2B Business

Selecting the right B2B payment platform requires evaluating your specific business needs, customer base, and growth objectives. The decision framework below helps identify which solution best fits your requirements.

Choose Resolve Pay when you need:

Non-recourse net terms with complete risk elimination
Transparent, published pricing for accurate ROI calculation
Complete AR automation beyond simple financing
Maximum advance rates to optimize cash flow
White-label customer experience maintaining your brand

Total Cost of Ownership Comparison:

For a business processing $100K monthly in net terms transactions:

Resolve Pay: Approximately $37,188-$43,188 annually with transparent published rates
Backd: Requires custom quote with recourse risk exposure
Other Competitors: All require sales consultation for pricing

Implementation Timeline:

Resolve Pay: 2-4 weeks with QuickBooks and ERP integration
Backd: Varies based on loan type and requirements
Others: Custom implementations requiring extended timelines

Key Decision Factors:

Risk Tolerance: If bad debt protection is critical, only non-recourse platforms like Resolve eliminate your exposure entirely. Recourse models leave you liable for customer defaults.

Pricing Transparency: Resolve's published pricing allows you to calculate exact costs before implementation. Custom quote models from competitors make budgeting difficult until deep in the sales process.

Brand Control: White-label solutions maintain your customer relationships, while branded platforms insert themselves into your buyer experience.

Advance Rates: Higher advance percentages mean faster access to working capital. Resolve's up to 100% advance option maximizes cash flow compared to competitors' 80-90% standards.

Automation Needs: Platforms offering complete AR automation reduce finance team workload significantly. Basic financing without automation still requires manual invoice management, payment tracking, and collections.

Resolve's combination of transparent pricing, complete non-recourse protection, and comprehensive AR automation makes it the optimal choice for B2B businesses specifically seeking net terms financing solutions that accelerate growth while eliminating risk.

Frequently Asked Questions

What are the primary benefits of using a B2B payment platform like Resolve?

Resolve provides 100% non-recourse financing that eliminates merchant risk while accelerating cash flow through up to 100% advances within 24 hours. The platform's AI-powered automation reduces AR workload by approximately 90% while maintaining complete control over customer relationships through white-label portals. Businesses achieve results including higher average order values and accelerated sales growth.

How does Resolve's AI-powered automation improve accounts receivable processes?

Resolve's AI-powered AR platform automates the entire credit-to-cash lifecycle from credit application to payment reconciliation. The system uses LLMs to automatically match payments across systems, reducing manual bookkeeping significantly. AI agents manage reminders and collections workflows, while maintaining two-way QuickBooks sync for seamless financial reporting.

What makes Resolve's approach to net terms better than traditional factoring?

Unlike traditional factoring, Resolve offers 100% non-recourse financing where merchants face zero risk if customers default. The platform maintains merchant control over customer relationships through white-label portals, unlike factoring companies that manage customer interactions directly. Resolve's transparent pricing (2.61-3.5%) is significantly lower than factoring's typical 12-60% annual effective rates, while providing up to 100% advances versus factoring's 80-90% standard.

Can Resolve integrate with my existing e-commerce and accounting systems?

Resolve offers native integrations with QuickBooks, NetSuite, Xero, Shopify Plus, BigCommerce, WooCommerce, and Magento. The platform's flexible API enables custom integrations with any ecommerce or ERP system. Two-way QuickBooks sync automatically reconciles transactions and maintains accurate financial records without manual intervention.

What are the typical fees associated with using Resolve for net terms?

Resolve's transparent pricing structure includes a $99/month base subscription plus risk-based transaction fees ranging from 2.61% to 3.5%. The exact rate depends on advance percentage (100%, 90%, 75%, or 50%) and payment terms (Net 30, 45, 60, or 90). For example, 100% advance on 30-day terms carries a 3.5% fee, while qualified customers may access lower rates. There are no setup fees, monthly minimums, or hidden charges.

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.