BFS Alternatives: 7 Best B2B Payment & Financing Solutions for 2025

BFS Capital has deployed substantial financing since 2002, serving businesses with traditional lending products. However, modern B2B businesses are discovering superior alternatives that eliminate credit risk, offer transparent pricing, and deliver AI-powered underwriting with faster decisions. Resolve Pay leads this new generation with 100% non-recourse financing that completely removes merchant liability while accelerating cash flow. The B2B payment landscape has evolved dramatically in recent years. According to the U.S. Census Bureau, B2B e-commerce sales now exceed $1.3 trillion annually in the United States alone, creating unprecedented demand for flexible payment solutions. Traditional financing models that place credit risk entirely on merchants are giving way to innovative platforms that share or eliminate that risk altogether. The Federal Reserve reports that small businesses cite cash flow management as their top financial challenge, making efficient payment and financing solutions critical for growth.

Key Takeaways

Risk-free financing eliminates bad debt: Resolve provides 100% non-recourse financing with zero merchant risk, unlike BFS Capital where businesses bear full credit exposure
AI-powered underwriting delivers faster credit decisions: Modern platforms provide credit decisions quickly compared to BFS Capital's manual processes that can take several days
Transparent pricing vs hidden costs: Resolve offers published flat fee pricing versus BFS Capital's variable factor rates and undisclosed APRs
Implementation completed in hours to days: Resolve integrates in hours to days versus BFS Capital's multi-week timelines
Free unlimited credit checks: Resolve provides free credit assessments with only business name and address required
E-commerce native integrations: Resolve offers certified platform integrations for BigCommerce, Shopify, and WooCommerce for embedded net terms at checkout

1. Resolve Pay — Modern Non-Recourse B2B Payment Platform

Resolve Pay stands as the premier BFS Capital alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Founded in 2019 by Chris Tsai and Brian Nguyen (with backing from PayPal co-founder Max Levchin), Resolve brings consumer fintech innovation to B2B payments, serving over 12,000 businesses with $60M in Series A funding.

Key Features:

100% non-recourse financing with zero merchant liability
Credit decisions using proprietary AI underwriting delivered within 24 business hours
Net 30, 60, or 90-day terms with flexible installment options
90-100% advance payment within 1-2 days
Risk-based fees with transparent pricing ranging from approximately 2.61% to 3.5% depending on advance percentage and terms
Native QuickBooks and NetSuite integration
White-label payment portal accepting ACH, wire, credit card, and check

Transparent Pricing Structure:

Flat fee pricing per invoice with no hidden costs, with examples showing rates from 2.61% to 3.5% based on risk assessment
No monthly minimums, setup fees, or volume requirements
Custom enterprise pricing available for high-volume businesses
Free unlimited credit checks

Resolve's AI-powered platform automates the entire net terms workflow from invoice to payment, reducing manual work by up to 90% while maintaining merchant control over customer relationships. The platform's LLM-powered invoicing workflow automatically syncs transactions across systems, and its branded payment portal provides customers with flexible payment options while maintaining your brand relationship.

Unlike traditional financing options, Resolve's non-recourse model means businesses keep advances even if buyers don't pay. This risk-free approach enables companies to offer net terms confidently, driving up to 50% increases in average order value while protecting cash flow. The U.S. Small Business Administration emphasizes that managing accounts receivable effectively is crucial for small business survival, making solutions like Resolve's non-recourse model particularly valuable.

The platform also excels in automation capabilities. Resolve's system handles credit approval, invoice delivery, payment collection, and reconciliation without manual intervention. This comprehensive automation allows finance teams to focus on strategic initiatives rather than chasing payments. For B2B companies experiencing rapid growth, this operational efficiency becomes essential for scaling without proportionally increasing headcount in accounts receivable departments.

2. TreviPay — Enterprise Global B2B Payments

TreviPay represents the established enterprise alternative with 40+ years of experience and operations across 30+ countries. Partnered with Allianz Trade, TreviPay offers comprehensive accounts receivable automation for global enterprises requiring institutional-grade infrastructure.

Platform Strengths:

Global payment processing in multiple currencies
Comprehensive AR automation and credit management
Institutional backing and enterprise-grade security
Partnership with Allianz Trade for enhanced risk management

Pricing Considerations:

Custom enterprise pricing with no published rates
Estimated monthly minimums that may not serve smaller businesses optimally
Lengthy implementation timeline requiring professional services

TreviPay excels for multinational corporations needing global compliance and multi-currency support. The platform provides robust features for enterprises operating across borders, with localized payment methods and compliance with regional regulations. However, the implementation process and pricing structure are designed for large organizations with dedicated IT resources and substantial transaction volumes.

3. Balance Payments — Marketplace-Focused B2B Infrastructure

Balance Payments has emerged as a leading solution for B2B marketplaces and platforms, offering purpose-built infrastructure with a zero DSO guarantee. The Y Combinator-backed company provides developer-friendly APIs and self-serve checkout experiences.

Core Capabilities:

Zero DSO guarantee with immediate funds upon buyer approval
API-first architecture with extensive documentation
Self-serve checkout supporting all payment methods
Purpose-built for marketplace business models

Pricing Model:

Custom pricing with no transparent structure
Developer-focused implementation in hours to days
No published advance rates or terms

Balance Payments excels for marketplace operators needing embedded payment infrastructure. The platform's API-first design makes it particularly attractive for technology companies building custom checkout experiences. However, businesses seeking comprehensive accounts receivable automation and transparent pricing may find other solutions more suitable for their needs.

4. Bill.com — Accounts Payable Automation Leader

Bill.com has built a substantial network of over 450,000 businesses with a focus on accounts payable automation rather than accounts receivable financing. The publicly traded company (NASDAQ: BILL) provides comprehensive spend management across 130+ countries.

Network Features:

Comprehensive AP automation and vendor payment processing
Strong accounting software integrations
Global payment reach across 130+ countries
Automated invoice processing with OCR technology

Limitations for AR Needs:

Primary focus on paying vendors rather than collecting receivables
No invoice financing or advance payment capabilities
Slower international payments taking 7+ days for some destinations

Bill.com serves businesses seeking accounts payable automation with its extensive vendor network and bill payment capabilities. The platform integrates seamlessly with major accounting systems and provides visibility into cash outflows. However, companies primarily seeking to accelerate accounts receivable and offer customer financing will find platforms specifically designed for AR management more suitable for their needs.

5. HighRadius — Enterprise AR Automation Platform

HighRadius is recognized as an IDC MarketScape Leader in enterprise accounts receivable automation, offering advanced AI-powered features for Fortune 500 companies. The platform provides comprehensive AR management with extensive automation capabilities designed for large enterprises.

Enterprise Features:

Advanced AI/ML for predictive analytics and cash forecasting
Comprehensive deduction management and dispute resolution
Enterprise-grade security and compliance
Average 20% DSO reduction reported by customers

Implementation Considerations:

Multi-month implementation timeline requiring dedicated IT resources
Enterprise-focused pricing designed for large organizations
Complex setup requiring professional services

HighRadius serves enterprises with complex AR needs and substantial budgets. The platform's predictive analytics help forecast cash flow with greater accuracy, while its automated dispute resolution capabilities handle the complex scenarios common in large B2B transactions. The system's machine learning models improve over time, becoming more accurate at predicting payment behavior and identifying at-risk accounts. However, the significant implementation investment and ongoing costs make it most suitable for large organizations processing high transaction volumes.

6. Fundbox — Quick SMB Lending Alternative

Fundbox provides credit lines from $1,000 to $250,000 for small businesses, having unlocked substantial capital for hundreds of thousands of businesses since 2013. The platform offers automated approval with minimal requirements designed for accessibility.

Accessibility Features:

Low requirements ($30K annual revenue minimum)
Fast funding with automated approval
No collateral required for initial credit lines

Cost Considerations:

Higher APR rates making it more suitable for short-term needs
Short-term focus designed for emergency cash flow situations
No net terms or AR automation capabilities

Fundbox serves businesses with limited credit options needing rapid access to capital. The platform's automated underwriting makes funding accessible to companies that might not qualify for traditional bank financing. However, the cost structure makes it more suitable for one-time cash flow gaps rather than ongoing AR financing needs.

7. Gaviti — Collections-Focused AR Software

Gaviti offers mid-market accounts receivable automation with a focus on collections management and analytics. Founded in 2017, the platform provides competitive pricing and implementation timelines designed for growing businesses.

AR Automation Features:

Collections-focused workflow automation
Strong analytics and reporting capabilities
Mid-market friendly pricing and implementation
Strong automation capabilities

Scope Considerations:

No invoice financing or advance payment capabilities
Limited credit assessment functionality
No net terms or BNPL offerings

Gaviti serves businesses seeking to improve collection efficiency through automation and customer communication tools. The platform's analytics provide visibility into payment patterns and help prioritize collection efforts. However, companies seeking comprehensive net terms financing with advance payments will need to combine Gaviti with other financing solutions or choose an integrated platform.

Making the Right Choice for Your Business

For B2B companies evaluating BFS Capital alternatives, the choice depends on your business stage, risk tolerance, and technical requirements:

By Business Stage:

Startups/New Businesses: Resolve Pay — free credit checks, fast implementation, risk-free financing
SMBs ($100K-$1M/mo): Resolve Pay — transparent pricing, e-commerce integrations, no monthly minimums
Mid-Market ($1M+/mo): Resolve Pay or TreviPay — depending on global needs versus implementation speed
E-commerce B2B Sellers: Resolve Pay — certified platform integrations for BigCommerce, Shopify, and WooCommerce

Estimated Cost Comparison for $10,000 Financing (60 Days):

Resolve Pay: Approximately $261-$350 based on risk (15.7-21.0% annualized)
BFS Capital: Variable with undisclosed APRs
Fundbox: Higher costs for short-term borrowing

Implementation Timeline Comparison:

Resolve Pay: Hours to days
BFS Capital: Multiple weeks
TreviPay: Extended timeline for enterprise deployment
HighRadius: Multi-month implementation requiring IT resources

Resolve Pay's combination of risk-free financing, transparent pricing, and rapid implementation makes it a strong choice for businesses seeking to offer net terms without bearing credit risk. The platform's non-recourse model provides peace of mind that advances won't be clawed back due to customer non-payment, while the AI-powered underwriting enables scaling net terms offerings without proportionally increasing risk management overhead.

Frequently Asked Questions

What is the primary difference between BFS Capital and Resolve Pay?

The key difference is risk allocation. BFS Capital operates as a traditional lender where merchants bear full credit risk if customers default, while Resolve provides 100% non-recourse financing with zero merchant liability. Additionally, Resolve offers transparent flat fees versus BFS Capital's variable factor rates, and implements in hours to days versus multiple weeks.

How does Resolve's AI credit underwriting work?

Resolve's proprietary AI evaluates thousands of buyer data points to deliver credit decisions within 24 business hours. The system requires only a business name and address to perform free unlimited checks, analyzing cash flow patterns and business performance rather than relying solely on traditional credit scores.

Can I switch from BFS Capital to Resolve Pay easily?

Yes, switching from BFS Capital to Resolve Pay is straightforward with minimal migration difficulty. The process typically takes 1-2 days with Resolve providing free migration assistance including data import, customer onboarding support, and training. Your existing customers can be rapidly re-approved through Resolve's credit evaluation process.

What payment methods does Resolve's customer portal support?

Resolve's white-label payment portal supports multiple payment methods including ACH, wire transfer, credit card, and check payments, giving your customers flexible payment options while maintaining your brand relationship throughout the payment experience.

How does Resolve's pricing compare to traditional factoring?

Unlike traditional factoring with fees ranging from 5-20% and recourse requirements, Resolve offers risk-based pricing with examples showing flat fees from approximately 2.61% to 3.5% with 100% non-recourse financing. This means you keep advances even if customers don't pay, and there are no hidden costs, monthly minimums, or setup fees. The platform also maintains your customer relationships rather than requiring direct contact from a third party.

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.