While CAN Capital has served over 200,000 small businesses since 1998, today's B2B companies need more than just working capital—they need integrated payment solutions that combine credit, liquidity, and automation. Resolve Pay delivers exactly this, offering non-recourse net terms financing with AI-powered underwriting and same-day cash flow acceleration.
Resolve Pay stands out as the premier CAN Capital alternative by combining embedded credit, payments, and accounts receivable automation into a single platform. Founded by veterans from Amazon, PayPal, and Fortune 500 companies, Resolve brings enterprise-grade credit expertise to businesses of all sizes.
Key Features:
Comprehensive Platform Benefits:
Resolve's platform goes beyond simple financing to transform the entire B2B transaction experience. The AI-powered AR automation streamlines credit, invoicing, and collections while empowering finance leaders to scale operations without manual overhead. The platform's LLM-powered invoicing workflow ensures every transaction is synced and reconciled automatically, reducing days sales outstanding (DSO) and accelerating cash flow.
For businesses serving other companies, Resolve's business credit checks eliminate a major barrier to offering net terms. Requiring only a customer's business name and address, Resolve delivers data-rich credit decisions within approximately 24 hours—significantly faster than traditional processes.
The platform's white-label payment portal accepts ACH, credit card, wire, and check payments while maintaining your brand identity. Passing credit card surcharges to buyers is permitted only where allowed by card-network rules and applicable state laws; disclosure and caps may apply.
Unlike traditional merchant cash advances or term loans that add debt to your balance sheet, Resolve's non-recourse model means you face significantly reduced risk if customers default on approved invoices. The platform handles credit assessment, credit decisions, and the majority of late payment or default risk, allowing you to offer competitive terms while protecting cash flow.
Resolve serves thousands of businesses and has processed substantial B2B volume; confirm current figures from Resolve’s latest public disclosures.
Merchant cash advance (MCA) providers offer an alternative to CAN Capital's working capital loans, providing upfront capital in exchange for a percentage of future credit card sales or daily bank account withdrawals.
How MCAs Work: MCAs provide lump-sum funding repaid through a fixed percentage of daily credit card sales or automatic bank account withdrawals. Unlike traditional loans, MCAs use factor rates (typically 1.1-1.5) rather than APRs, making cost comparisons challenging.
Key Providers:
Cost Considerations: MCA factor rates translate to effective APRs often exceeding 50%, significantly higher than traditional financing. However, the trade-off is speed—with approvals possible in minutes and funding within 24-48 hours.
Best For: Businesses with strong daily sales volume that can handle consistent daily/weekly repayments. MCAs work well for seasonal businesses or those with predictable cash flow patterns, though the high costs make them less suitable for long-term financing needs.
For pre-revenue startups or very new businesses, traditional lenders often require established revenue history. However, several alternatives specifically cater to early-stage companies.
Microloan Programs:
Qualification Requirements: These programs typically require a solid business plan, founder's personal credit (usually 600+ minimum), and sometimes personal guarantees or collateral. The focus is on the founder's experience and the business concept rather than historical financial performance.
Best For: Early-stage businesses needing modest capital for initial operations, inventory, or equipment. These programs often include mentorship and business development resources alongside funding, making them valuable for first-time entrepreneurs.
The Small Business Administration (SBA) offers several loan programs designed to provide affordable capital to qualifying businesses.
Primary SBA Programs:
Qualification Requirements: SBA loans typically require:
Processing Timeline: Traditional SBA loans can take 30-90 days for approval and funding, significantly longer than alternative lenders. However, the trade-off is much lower interest rates (typically prime + 2.25% to 4.75%) and longer repayment terms.
Best For: Established businesses seeking affordable, long-term capital for expansion, equipment purchases, or real estate acquisition. Many businesses have increasingly turned toward alternative solutions as traditional bank lending has tightened.
Specialized lenders and grant programs exist to support women and minority entrepreneurs who may face additional barriers in traditional financing.
Specialized Lenders:
Certification Benefits: Businesses can pursue certifications that unlock additional funding opportunities:
Community Development Financial Institutions (CDFIs): These mission-driven lenders focus on underserved communities and often offer more flexible terms than traditional banks, with rates typically ranging from 8% to 13%.
Best For: Women and minority business owners seeking both capital and business development support. These programs often include mentorship and networking opportunities alongside funding.
Grants provide non-repayable capital, making them the most cost-effective financing option when available.
Federal Grant Programs:
Private and Corporate Grants:
Application Process: Grant applications are typically competitive and time-intensive, requiring detailed business plans, financial projections, and specific use-of-funds justifications. Success rates can be low, but the zero-cost nature makes them worth pursuing.
Best For: Businesses with innovative products, strong community impact, or specific qualifications that align with grant criteria. Grants work best as supplemental funding rather than primary capital sources.
Revolving credit lines provide flexible access to capital that can be drawn and repaid as needed, similar to a credit card but typically with better rates.
Key Features:
Top Providers:
Best For: Businesses with variable cash flow needs, seasonal operations, or ongoing working capital requirements. Lines of credit are ideal for managing short-term gaps between receivables and payables.
Invoice financing allows businesses to access cash tied up in outstanding B2B invoices, providing immediate working capital without taking on debt.
Traditional Factoring vs. Modern Alternatives: Traditional factoring requires selling invoices at significant discounts (typically 1-5% per month) and often involves notifying customers of the arrangement. Resolve's factoring alternative offers non-recourse financing at competitive rates for 30-day terms with advances up to 100%, maintaining customer relationships while reducing risk.
Key Considerations:
Best For: B2B businesses with strong accounts receivable but cash flow constraints. Companies with reliable customers and invoices under 90 days old typically qualify for the best terms.
Online lenders offer traditional term loan structures with faster approval and funding than banks, bridging the gap between speed and affordability.
Key Characteristics:
Leading Providers:
Best For: Businesses needing specific amounts for defined purposes (equipment, expansion, etc.) who want predictable repayment terms and transparent pricing. Online term loans work well for companies that don't qualify for bank financing but want to avoid the high costs of MCAs.
The best financing alternative depends on your specific business needs, timeline, and risk tolerance:
By Urgency:
By Cost Sensitivity:
By Business Stage:
Risk Considerations:
For businesses specifically serving other companies, Resolve Pay offers a unique combination of benefits: low-risk net terms that enhance customer relationships, AI-powered automation that reduces operational overhead, and immediate cash flow acceleration that supports growth without adding debt.
Merchant cash advances provide lump-sum funding repaid through a fixed percentage of daily credit card sales or automatic bank withdrawals, using factor rates rather than APRs. Term loans provide lump-sum funding with fixed monthly payments over a set period, using transparent APR-based pricing. MCAs typically cost significantly more (effective APRs often 50%+) but offer faster funding and more flexible repayment tied to business performance.
Yes, multiple alternatives exist for businesses with lower credit scores. Resolve's business credit checks focus on buyer creditworthiness rather than seller credit, making it accessible regardless of your credit score. Merchant cash advances typically accept credit scores as low as 500-600, while invoice factoring primarily evaluates your customers' creditworthiness. However, expect higher costs with lower credit scores.
Traditional SBA loans typically take 30-90 days for approval and funding, significantly longer than alternative lenders. Businesses seeking faster capital have turned to alternatives like Resolve's advance payments (available within 24 hours) or online lenders with same-day to 48-hour funding.
Invoice factoring allows businesses to sell their outstanding B2B invoices to a third party (factor) at a discount to receive immediate cash. Traditional factoring typically advances 80-90% of invoice value upfront, with the remainder (minus fees) paid when the customer pays. Resolve offers an alternative with non-recourse financing at competitive rates for 30-day terms, advancing up to 100% while maintaining customer relationships and reducing default risk on approved invoices.
Most business grants are considered taxable income by the IRS, with some exceptions for specific purposes like disaster relief or certain research activities. Unlike loans or financing, grants don't need to be repaid, making them attractive despite the tax implications. The competitive application process and limited availability mean grants work best as supplemental funding rather than primary capital sources.
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.