While BriteCap Financial has served thousands of small businesses since 2003 with accessible working capital loans, B2B companies seeking to offer net terms and automate accounts receivable are discovering superior alternatives. Resolve Pay leads this new generation of platforms by eliminating credit risk entirely, automating the entire AR workflow, and embedding B2B BNPL directly into sales processes.
The B2B finance landscape has evolved dramatically, with AI-powered platforms now offering comprehensive solutions that go far beyond traditional lending. According to Federal Reserve research, businesses are increasingly seeking integrated payment platforms that combine financing, automation, and risk mitigation in a single solution rather than piecing together separate lending and operational tools.
For businesses that need to offer net terms, manage accounts receivable, and accelerate cash flow without assuming credit risk, modern alternatives like Resolve Pay deliver superior value compared to conventional lenders like BriteCap Financial. Independent market analysis shows that integrated B2B payment solutions are becoming the preferred choice for mid-market companies.
Resolve Pay stands as the premier BriteCap Financial alternative for B2B companies by completely reimagining how businesses offer net terms and manage receivables. Spun out from a venture studio by Affirm's founder in 2019, Resolve brings deep fintech expertise to B2B commerce with a comprehensive platform that handles credit, payments, and AR automation.
Key Features:
Comprehensive AR Automation:
Resolve's AI-powered accounts receivable platform automates the entire credit-to-cash workflow:
Pricing Structure:
The platform's impact is substantial: merchants report an estimated 20-40% sales increase and approximately 40% average order value lift after implementing embedded net terms. The approximately 14 hours/week of AR workload reclaimed translates to significant operational efficiency and reduced DSO.
Unlike traditional lenders, Resolve advances capital based on buyer creditworthiness rather than seller assets, keeping balance sheets clean with no debt obligations. The platform currently serves over 15,000 businesses across manufacturing, distribution, and B2B e-commerce sectors.
FundThrough occupies a distinct niche in the B2B financing space, providing invoice factoring solutions since 2014. While specific lifetime funding amounts are not disclosed, the company has established itself as a player in the invoice financing space, focusing specifically on receivables financing rather than general business loans.
Platform Capabilities:
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While FundThrough provides quick access to working capital, it operates on a recourse basis, meaning merchants remain liable if customers don't pay. This contrasts with Resolve's 100% non-recourse model that eliminates merchant risk entirely. Additionally, FundThrough offers limited automation capabilities compared to Resolve's comprehensive AR platform.
The platform serves businesses that need immediate cash flow but may not qualify for traditional bank financing. According to the Small Business Administration, invoice factoring can be an effective short-term solution for businesses with cash flow gaps, though understanding the total cost of financing is critical.
Balance Payments has emerged as a specialized solution for B2B marketplaces and e-commerce platforms, raising $87.5 million in total funding with backing from major investors like Forerunner Ventures, Stripe, Lightspeed, and Salesforce Ventures. The platform focuses on creating consumer-grade checkout experiences for B2B transactions.
Core Features:
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Balance excels in marketplace environments like Alibaba.com and Instacart Business, where checkout friction directly impacts conversion rates. However, the platform offers different strengths compared to Resolve's comprehensive AR automation and AI-powered credit underwriting capabilities. Balance is best suited for businesses prioritizing checkout optimization in multi-vendor environments.
For companies seeking both superior checkout experiences and complete AR automation, Resolve offers a comprehensive solution with its native e-commerce integrations and full credit-to-cash workflow automation.
TreviPay represents the enterprise end of the B2B payments spectrum, processing over $8 billion annually across more than 30 countries. The platform serves large manufacturers, distributors, and global suppliers with comprehensive payment and credit management solutions.
Enterprise Capabilities:
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TreviPay's enterprise focus means it's often designed for larger organizations, with implementation timelines stretching 3-6 months compared to Resolve's rapid deployment. Additionally, TreviPay's pricing structure differs from Resolve's transparent per-invoice fees.
While TreviPay excels for global enterprises with complex international requirements, Resolve offers a comprehensive solution for mid-market businesses seeking rapid implementation, transparent pricing, and extensive automation without enterprise complexity.
Apruve specializes in B2B credit management and accounts receivable automation, focusing on helping businesses offer net terms while managing risk. The platform provides credit decisioning, collections management, and payment processing in a unified solution.
Platform Features:
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Apruve provides solid credit management capabilities and offers a comprehensive approach to B2B payments. Like Resolve, Apruve focuses on helping businesses manage the complexities of offering net terms. Both platforms provide AR automation features that streamline operations.
For businesses evaluating credit management solutions, both Apruve and Resolve offer valuable features. Companies seeking complete risk elimination may prefer Resolve's 100% non-recourse financing, while those wanting different credit insurance options might explore Apruve's customizable approach.
Capchase specializes in revenue-based financing specifically for SaaS and subscription businesses, providing non-dilutive growth capital without traditional debt structures. The platform has gained traction among tech companies seeking alternatives to equity financing.
Specialized Features:
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Capchase serves a completely different use case than Resolve, focusing on growth capital for SaaS companies rather than B2B net terms and receivables management. While both platforms offer non-recourse financing, Capchase is designed for subscription revenue models, whereas Resolve specializes in invoice-based B2B transactions.
SaaS companies needing growth capital should consider Capchase, while B2B businesses selling products or services on invoice should evaluate Resolve's comprehensive net terms platform.
For B2B companies evaluating BriteCap Financial alternatives, the choice depends on your specific needs, business model, and operational requirements. Understanding the B2B payments landscape is critical for making informed financing decisions that align with your growth strategy.
By Business Type:
Total Cost of Ownership Comparison:
For a business processing $500,000 in B2B invoices annually:
Implementation Timeline:
The evolution of B2B payment systems represents a significant shift in how businesses manage working capital. According to the U.S. Department of Treasury, modernizing payment infrastructure and reducing friction in B2B transactions remains a priority for economic efficiency.
For B2B companies managing invoices and net terms, Resolve Pay delivers comprehensive value through risk elimination, operational efficiency, transparent pricing, and extensive automation. While BriteCap Financial serves an important role for traditional business loans, especially for companies with lower credit scores, businesses seeking to transform their B2B payment operations will find Resolve's integrated platform provides the tools needed for sustainable growth.
Modern B2B payment platforms like Resolve focus specifically on invoice-based financing and accounts receivable automation, while traditional lenders like BriteCap provide general business loans. Resolve offers 100% non-recourse financing where merchants assume zero credit risk, compared to BriteCap's recourse-based lending that requires personal guarantees and creates debt obligations. Additionally, Resolve provides comprehensive AR automation that reclaims approximately 14 hours/week of manual work, while BriteCap offers no operational tools or platform integrations. The pricing models also differ significantly, with Resolve offering transparent per-invoice fees of 2.61-3.5% versus BriteCap's undisclosed custom rates.
Resolve Pay excels over BriteCap Financial in several key areas for B2B companies: 100% non-recourse financing eliminates all credit risk, AI-powered AR automation saves approximately 14 hours/week of manual work, instant credit decisions in 10-30 seconds can increase sales by an estimated 20-40%, and native integrations with 10+ platforms streamline operations. BriteCap Financial, while accessible to businesses with 500+ FICO scores, operates as a traditional lender with recourse-based loans, no automation capabilities, no platform integrations, and undisclosed pricing that requires application.
Yes, Resolve can effectively replace traditional factoring arrangements with significant benefits. Unlike factoring, Resolve offers 100% non-recourse financing where you retain control of customer relationships while Resolve assumes all credit risk. Resolve's transparent pricing of 2.61-3.5% is typically lower than factoring's 5-20% fees, and the platform includes comprehensive AR automation that eliminates the manual work associated with traditional factoring. Additionally, Resolve maintains white-label customer experiences that preserve your brand relationships, unlike many factoring arrangements that require customer notification.
Resolve offers native integrations with major accounting platforms including QuickBooks Online, NetSuite, Oracle, and Xero, plus e-commerce platforms like Shopify, BigCommerce, WooCommerce, and Magento. These integrations enable automated invoice creation, real-time payment reconciliation, and seamless data flow between systems. The platform also provides API capabilities for custom integrations with proprietary systems. This comprehensive integration ecosystem eliminates manual data entry, can reduce errors by up to 90% in certain workflows, and ensures real-time visibility across all financial systems.
Resolve delivers instant credit decisions in 10-30 seconds using AI-powered underwriting that requires only the customer's business name and address. Purchases up to $25,000 typically qualify for real-time approvals, while larger amounts receive decisions within 24 hours. This rapid approval process contrasts with traditional credit processes that can take days or weeks, enabling businesses to close sales immediately without payment delays. The frictionless experience can increase conversion rates by an estimated 20-40% while maintaining rigorous risk assessment through Resolve's proprietary AI models.
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.