Big Think Capital Alternatives

While Big Think Capital operates as a marketplace connecting businesses with multiple lenders, modern B2B companies are increasingly turning to specialized platforms like Resolve that offer direct, non-recourse financing with transparent pricing and AI-powered underwriting. These alternatives eliminate the complexity of navigating multiple lender relationships while providing superior risk protection and faster implementation.

Key Takeaways

Non-recourse financing eliminates all risk: Resolve provides 100% non-recourse financing with zero merchant risk, unlike Big Think Capital's partners where businesses bear full credit exposure
Transparent, published pricing: Resolve's flat fee structure ($261-350 per $10K invoice) offers estimated 70% cost savings compared to alternatives like Fundbox's opaque pricing that can reach $899 for the same amount
Implementation in hours, not weeks: Resolve integrates in hours to days versus Big Think Capital's multiple-week timeline that varies by lender partner
AI-powered credit decisions: Modern platforms deliver credit decisions in 24 hours using proprietary AI models versus traditional manual processes
Built-in AR automation: Resolve includes full accounts receivable automation that reduces DSO by 50-60%, while Big Think Capital focuses solely on lending without operational tools
Ecommerce integration: Resolve offers native Shopify and BigCommerce integrations for instant net terms at checkout, a capability Big Think Capital lacks entirely

1. Resolve — The Risk-Free Alternative to Big Think Capital

Resolve emerges as the premier Big Think Capital alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Founded in 2019 as a B2B spinoff from Affirm, Resolve brings consumer fintech innovation to B2B payments with backing from PayPal co-founder Max Levchin through $60 million in Series A funding.

Key Features:

100% non-recourse financing with zero merchant risk on buyer defaults
AI-powered credit decisions within 24 hours
Net 30, 60, or 90-day payment terms
Up to 100% advance payment within one day
Transparent flat fees (2.61-3.5% based on risk and terms)
QuickBooks and NetSuite integration
White-label payment portal for branded customer experience

Pricing Structure:

Fee ranges shown by Resolve start around 2.61% for Net 30 and can be up to about 3.5% for Net 60, depending on buyer risk and advance rate
Risk-based pricing with higher advance rates for lower-risk customers
No monthly minimums, setup fees, or hidden charges
Free business credit checks with no impact on buyer credit

Resolve's platform addresses the fundamental limitations of Big Think Capital's marketplace model. While Big Think connects businesses with multiple lenders who typically offer recourse financing (where merchants bear full credit risk), Resolve assumes 100% of the credit risk, allowing businesses to offer net terms without fear of bad debt.

The platform's AI-powered accounts receivable automation reduces Days Sales Outstanding (DSO) by 50-60% through automated payment reminders, collections management, and real-time reconciliation. Unlike Big Think Capital, which focuses solely on connecting businesses with lenders, Resolve provides a comprehensive solution that includes financing, credit assessment, AR automation, and payment processing.

According to Small Business Administration data, cash flow management remains one of the top challenges for B2B businesses, with accounts receivable representing a significant portion of working capital needs. Resolve directly addresses this challenge by providing immediate payment while assuming all credit risk—a capability that traditional marketplace lenders cannot match.

Recent customer success stories demonstrate significant impact: businesses have achieved 5x revenue growth and tripled their revenue through Resolve's risk-free net terms offering. The platform currently serves over 15,000 businesses across various industries, from wholesale distributors to manufacturing suppliers.

Unlike traditional factoring, Resolve maintains merchant control over customer relationships while eliminating the collections burden. The platform's ecommerce integrations enable instant credit approval at checkout, increasing average order value by 40% and driving 20% year-over-year sales growth for B2B merchants.

The B2B financing landscape has evolved dramatically, with businesses seeking solutions that combine financing, automation, and risk management in a single platform. According to industry analysis, while Big Think Capital excels at connecting businesses with diverse lending products through its marketplace model, specialized platforms now offer superior value for companies specifically needing B2B net terms and accounts receivable solutions.

Resolve's comprehensive approach extends beyond simple invoice financing. The platform provides businesses with tools to evaluate buyer creditworthiness before extending terms, automate invoice delivery and payment tracking, and seamlessly reconcile payments with accounting systems. This end-to-end solution eliminates the need for multiple vendor relationships and creates a unified workflow for managing B2B credit sales.

2. Fundbox — Fast Approvals with High Costs

Fundbox represents the speed-focused alternative in the B2B financing space, providing credit lines from $1,000 to $250,000 for small businesses that need immediate working capital. Since 2013, the platform has served hundreds of thousands of businesses with automated underwriting and rapid funding.

Platform Strengths:

Approvals in hours with next-day funding
Lower revenue and time-in-business thresholds than traditional banks
Automated credit line management
Simple application process
No collateral requirements for smaller amounts

Costly Pricing Structure:

Fees range from 4.66-8.99% on 24-week terms, equating to roughly 20-80% APR
Example: $10,000 invoice could cost up to $899 in fees versus Resolve's $261-350
Opaque pricing structure requiring custom quotes
Higher costs for shorter terms and riskier profiles

While Fundbox excels at providing emergency liquidity when speed is the primary concern, its high costs make it less suitable for ongoing B2B net terms programs. Customer reviews consistently note that while Fundbox provides critical funding when banks won't help, the expense can be prohibitive for regular use.

For businesses specifically seeking net terms capabilities to enhance customer relationships and drive sales growth, Fundbox's loan-based approach lacks the operational integration and relationship-building features that platforms like Resolve provide through their comprehensive B2B payment ecosystems.

3. TreviPay — Enterprise-Scale Trade Credit

TreviPay serves as the enterprise alternative for large organizations requiring global trade credit capabilities. Processing approximately $7 billion annually in B2B transactions, TreviPay offers sophisticated trade credit management for multinational corporations.

Enterprise Capabilities:

Multi-currency and multi-country operations
Global compliance and regulatory support
Universal Acceptance technology
White-label credit programs
Enterprise-grade security protocols
Dedicated account management

Implementation Considerations:

Implementation timeline can extend to months versus Resolve's days-to-week timeline
High minimum volume requirements
Custom pricing with no published rates
May exceed needs for SMBs

TreviPay's strength lies in its ability to handle complex, global B2B payment scenarios that smaller platforms cannot address. However, for the vast majority of small and mid-market businesses, TreviPay's enterprise focus, lengthy implementation timeline, and lack of transparent pricing make it less accessible than specialized alternatives like Resolve.

The platform's enterprise orientation means it may not provide the rapid deployment, cost transparency, or SMB-friendly features that growing businesses need to compete effectively in today's B2B marketplace.

4. Bill.com — Comprehensive Financial Operations

Bill.com has built a substantial presence in the B2B financial operations space with 493,000+ customers and extensive AP/AR automation capabilities. The publicly traded company provides comprehensive financial automation beyond just credit extension.

Operational Strengths:

Comprehensive AP, AR, and expense management
Extensive integration ecosystem with leading accounting and ERP platforms
Automated invoice processing with OCR technology
Customizable approval workflows
Strong accounting firm partnerships
Mobile app for on-the-go approvals

Considerations for Net Terms:

Net terms capabilities are more limited compared to specialized platforms
Focus on operational automation rather than financing
Subscription-based pricing plus transaction fees
International payment processing can take up to one week

While Bill.com excels at streamlining general financial operations, businesses specifically seeking robust B2B net terms capabilities will find its financing features less comprehensive than dedicated platforms like Resolve. Bill.com's strength lies in its breadth of financial automation rather than depth in credit and financing solutions.

For companies wanting full financial operations automation beyond trade credit, Bill.com offers a mature solution. However, those prioritizing risk-free net terms, transparent financing costs, and comprehensive AR automation specifically designed for B2B credit programs will find Resolve's specialized approach more aligned with their needs.

5. Slope — AI-Powered B2B Payments

Slope represents the next generation of B2B payments with strategic backing from J.P. Morgan. Founded in 2021, the company raised $65 million in 2024 and focuses on AI-powered B2B payment solutions.

Innovation Features:

Approval decisions in 10-30 seconds with SlopeAI
Cash flow underwriting beyond traditional credit scores
Net 30, 60, and installment plans up to 90 days
Zero risk to merchants (non-recourse)
Advanced AI models including SlopeGPT

Market Position:

Custom pricing with no published rates
Focus on Fortune 500 companies and wholesale operations
Limited track record as a young company
Enterprise-grade security and compliance

Slope's notable partnership with major retailers demonstrates its enterprise readiness, but as a young company with limited operating history, it may not yet match the proven track record of established platforms. The platform's AI focus represents the future direction of B2B payments, but businesses seeking immediate, proven solutions may prefer platforms with longer track records and more extensive customer validation.

Risk Management: The Critical Differentiator

The fundamental difference between Resolve and Big Think Capital lies in risk management philosophy. Big Think Capital operates as a marketplace connecting businesses with multiple lenders who typically offer recourse financing, meaning merchants bear full credit risk if customers default. Research from the Federal Reserve indicates that credit risk remains a primary concern for small businesses extending payment terms, with bad debt significantly impacting cash flow and profitability.

Resolve's 100% non-recourse model eliminates this risk entirely, allowing businesses to offer net terms as a sales and relationship-building tool without fear of bad debt. This transforms accounts receivable from a potential liability into predictable, accelerated cash flow.

The cost comparison is equally compelling: for a $10,000 invoice on 60-day terms, Resolve's costs range from $261-350, representing estimated savings of up to 70% compared to alternatives like Fundbox pricing is often described as a weekly-fee structure that can be expensive compared to lower-fee net-terms providers for similar financing. This transparent, predictable pricing combined with zero risk exposure and faster implementation makes Resolve a superior choice for businesses specifically seeking B2B net terms solutions.

Resolve's risk management extends beyond simple credit decisions. The platform continuously monitors buyer payment behavior, adjusts credit lines based on performance, and provides merchants with detailed insights into their customer portfolio health. This proactive approach helps businesses identify potential issues before they become problems and optimize their net terms offerings for maximum profitability.

Making the Right Choice for Your Business

For B2B companies evaluating Big Think Capital alternatives, the choice depends on your specific needs, risk tolerance, and business model:

Choose Resolve when you need:

Non-recourse financing to eliminate bad debt risk
Transparent, published pricing for budget certainty
Fast implementation (hours to days)
Built-in AR automation and DSO reduction
Ecommerce integration for B2B online sales
Complete control over customer relationships

Choose Big Think Capital when you need:

Marketplace access to multiple lender products
Large traditional loans ($5M+) or specialized financing
Hands-on guidance from funding specialists
Diverse product types beyond net terms

Implementation Timeline Reality:

Same day to 3 days: Resolve (with existing integrations)
Days to weeks: Fundbox (fast approvals)
Multiple weeks: Big Think Capital (varies by lender)
Months: TreviPay (enterprise deployment)

For businesses specifically seeking to offer B2B net terms while protecting cash flow and eliminating credit risk, Resolve's specialized platform delivers superior value through its combination of non-recourse financing, transparent pricing, AI-powered automation, and seamless integration capabilities. The platform's focus on solving the specific challenges of B2B net terms—rather than serving as a general lending marketplace—makes it the optimal choice for companies prioritizing risk-free growth and operational efficiency.

The modern B2B payment landscape demands solutions that go beyond simple financing to address the complete lifecycle of credit sales. Resolve's integrated approach combines credit evaluation, financing, payment processing, collections automation, and reporting in a single platform, eliminating the complexity of managing multiple vendor relationships while delivering measurably better outcomes for merchants and their customers.

Frequently Asked Questions

How does Resolve compare to Big Think Capital?

Resolve differs fundamentally from Big Think Capital in its business model and risk approach. While Big Think Capital operates as a marketplace connecting businesses with multiple lenders who typically offer recourse financing (where merchants bear full credit risk), Resolve provides 100% non-recourse financing where Resolve assumes all credit risk. Resolve also offers transparent, published pricing versus Big Think's variable rates that depend on matched lenders, and faster implementation (hours to days versus multiple weeks). Additionally, Resolve includes built-in AR automation and ecommerce integrations that Big Think Capital lacks entirely.

What are the benefits of offering net terms through Resolve?

Offering net terms through Resolve provides multiple benefits: 50-60% DSO reduction through AI-powered collections, 100% non-recourse protection eliminating bad debt risk, transparent flat-fee pricing, up to 100% advance payment within 24 hours, and seamless integration with existing ecommerce and accounting systems. Resolve's platform also increases average order value by an estimated 40% and drives approximately 20% year-over-year sales growth by enabling customers to purchase more with flexible payment terms while maintaining healthy cash flow for the merchant.

Is Resolve a factoring company?

Resolve is not a traditional factoring company. Unlike traditional invoice factoring which requires selling invoices at steep discounts (often 5-20% fees) and losing control of customer relationships, Resolve provides non-recourse financing while maintaining merchant control over customer interactions. Resolve's transparent flat-rate pricing (typically 2.61-3.5%) is significantly lower than factoring fees, and the platform includes comprehensive AR automation, credit assessment, and payment processing in a single solution rather than just invoice purchasing.

How quickly can I get paid for my invoices with Resolve?

With Resolve, you can receive up to 100% advance payment on approved invoices within 24 hours. The exact advance rate depends on customer risk assessment, with varying advance percentages based on creditworthiness. This immediate payment allows you to maintain healthy cash flow while your customers enjoy 30, 60, or 90-day payment terms. The platform's AI-powered credit decisions are delivered within 24 hours, enabling rapid onboarding of new customers and immediate access to financing.

Can Resolve integrate with my existing accounting software?

Yes, Resolve offers seamless integration with leading accounting and ERP platforms including QuickBooks, NetSuite, Xero, and Sage Intacct. The platform provides bi-directional data synchronization, automatically syncing transactions, payments, and customer information between systems. This eliminates manual data entry, reduces errors significantly, and ensures your financial records remain accurate and up-to-date across all platforms. Resolve also integrates with major ecommerce platforms including Shopify, BigCommerce, WooCommerce, and Magento for comprehensive B2B payment solutions.

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.