Cashable Alternatives

While traditional financing options tie up capital and expose businesses to risk, modern B2B companies are discovering superior cashable alternatives that offer immediate liquidity, eliminate credit risk, and automate accounts receivable processes. From Resolve's 100% non-recourse financing to specialized platforms serving different business needs, these solutions deliver the working capital businesses need without the complexity of traditional enterprise solutions.

Key Takeaways

• 100% non-recourse financing eliminates all merchant risk: Resolve provides non-recourse net terms financing with the option to advance up to 100% of approved invoices, ensuring what you receive is always yours to keep
• Instant credit decisions powered by AI: Modern platforms deliver credit decisions in 10-30 seconds compared to days or weeks with traditional providers, accelerating sales velocity and reducing cart abandonment
• Implementation happens in hours to days, not months: Resolve integrates in hours to days versus 3-6 months for enterprise AR platforms, enabling immediate time-to-value for growing businesses
• All-in-one platform combines financing + AR automation: Resolve eliminates the need for multiple vendors by combining invoice advances, credit management, collections automation, and payment processing in a single solution
• Transparent, predictable pricing: Resolve's fees around 2.61-3.5% provide cost certainty versus opaque pricing models or hidden charges from competitors
• White-label customer experience maintains brand relationships: Resolve's branded payment portal ensures customers never see another company's logo, preserving your customer relationships

The B2B payments landscape has transformed dramatically, with AI-powered automation and non-recourse financing becoming essential for companies seeking growth without risk. While traditional financing options remain available, seven alternatives stand out for their unique strengths and compelling value propositions.

Independent industry research Fortune Business Insights estimates the global real-time payments market at $24.91B in 2024 and projects roughly 35.4% CAGR through 2032. This growth has fueled innovation in cash advance alternatives, creating sophisticated options that address the specific pain points of modern B2B businesses.

1. Resolve — The Only 100% Non-Recourse Cash Advance Solution

Resolve stands out as the premier cashable alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Developed as a spin-off from Affirm in 2019, Resolve brings consumer fintech innovation to B2B payments with a mission to help merchants grow sales, get paid faster, and reduce risk.

Why B2B Businesses Choose Resolve

According to the U.S. Small Business Administration, cash flow management remains one of the top challenges for small and medium-sized businesses, with payment delays creating significant operational constraints. Resolve addresses this fundamental challenge by providing immediate liquidity while enabling businesses to offer competitive payment terms.

The platform currently serves over 12,000 businesses with backing from Insight Partners, Initialized Capital, and Commerce Ventures through $85 million in funding. This substantial investment enables continuous platform innovation and financial capacity to support growing businesses.

Core Platform Features

Resolve's comprehensive platform combines multiple capabilities that traditional alternatives cannot match:

• 100% non-recourse financing with zero merchant risk—what you get is always yours to keep
• Instant credit decisions using proprietary AI models that evaluate thousands of buyer data points
• Net 30, 60, or 90-day terms to match your business needs
• Up to 100% advance payment within 1-2 business days
• Risk-based fees ranging around 2.61-3.5% depending on advance percentage and term length
• Native ERP integrations with QuickBooks, NetSuite, Sage Intacct, Xero, Shopify, BigCommerce, WooCommerce, and Magento
• White-label payment portal supporting ACH, wire, credit card, and check payments

Transparent Pricing Structure

Resolve's pricing model aligns with business growth rather than creating fixed debt obligations:

• Fees range around 2.61-3.5% based on advance percentage, term length, and risk profile
• Entry pricing starts at $499/month annually for full platform access
• No hidden charges, monthly minimums, or volume requirements
• Custom pricing available for enterprise volumes

For example, a $1,000 invoice with a 90% advance on Net 30 terms would incur an estimated fee of approximately $31.50 (around 3.15%). This transparent structure provides businesses with predictable costs and clear ROI calculations.

Real-World Business Impact

The platform's AI-powered reconciliation reduces manual work by up to 90% according to customer testimonials, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Recent case studies demonstrate significant impact: Archipelago tripled their revenue through Resolve's platform capabilities.

Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating the collections burden. The platform's non-recourse structure means that all cash advances are yours to keep, with Resolve assuming the risk of late payments or defaults on approved, non-disputed invoices (eligibility and standard exceptions apply).

Industry-Specific Solutions

Resolve excels specifically for B2B ecommerce businesses, wholesalers, distributors, and manufacturers who need to offer net terms to compete while maintaining healthy cash flow. The Federal Reserve reports that payment flexibility significantly impacts B2B purchasing decisions, with buyers increasingly expecting convenient payment options in business transactions.

The platform integrates natively with major ecommerce platforms, enabling embedded net terms at checkout that increase conversion rates and average order values. This seamless integration allows businesses to offer competitive payment terms without the traditional cash flow constraints.

2. FundThrough — Invoice Factoring with Recourse Risk

FundThrough occupies a distinct niche in the cash advance space by providing invoice factoring services with a recourse model. Since its founding, the platform has provided over $1 billion in funding to small and medium businesses across the US and Canada.

Platform Strengths:

• Same-day or next-day funding for approved invoices
• Advance rates up to 100% on eligible invoices
• No long-term contracts or monthly minimums
• Simple application process requiring minimal documentation
• Integration with QuickBooks and OpenInvoice platforms
• 4.7-star Google rating from satisfied customers

Pricing Structure:

• Fees range around 2.2-2.75% per 30 days
• Recourse model means merchants bear the risk if customers default
• No setup fees or monthly subscription costs
• Spot factoring available for individual invoices

While FundThrough offers competitive pricing that's marginally lower than Resolve's fees, the recourse model exposes merchants to potential bad debt costs of an estimated 1-3% annually. For businesses processing $1 million monthly in invoices, this could translate to approximately $12,000-$36,000 in annual bad debt risk—potentially offsetting the nominal fee savings.

Reviews consistently note that FundThrough provides reliable service for businesses comfortable with bearing credit risk. The transparent fee structure provides clarity, though the recourse nature means merchants must maintain bad debt reserves or face potential clawbacks.

3. CreditKey — Buyer-Focused Credit Marketplace

CreditKey represents a different approach to B2B financing by focusing primarily on the buyer experience through a credit marketplace model. The platform enables businesses to offer flexible payment terms through business credit cards and installment options.

Key Features:

• Business credit cards with terms ranging from Net 30 to 12 months
• Credit Key Marketplace allowing buyers to use credit across multiple merchants
• Omnichannel capabilities supporting eCommerce, in-store, phone, and field sales
• 48-hour payment guarantee to merchants
• Physical and virtual card options
• Installment payment plans for larger purchases

Pricing Model:

• Pricing not publicly disclosed
• Application-based approval process (slower than instant decisions)
• Limited AR automation capabilities
• Non-recourse model not clearly specified

CreditKey excels at creating a seamless buyer experience through its marketplace approach. The platform's strength lies in its buyer-side focus, which may benefit merchants wanting to participate in a broader credit ecosystem rather than managing their own net terms program.

4. Slope — API-First B2B Payments Platform

Slope has emerged as a modern B2B payments platform with significant venture backing, raising $65 million in July 2024 to bring its total funding to $252 million. The company takes an API-first approach that appeals to technically sophisticated businesses.

Platform Capabilities:

• Ultra-fast credit approvals in seconds
• API-first architecture for maximum customization
• AI-powered underwriting models
• Average order value increase of 168% reported by merchants
• Developer-friendly integration process
• Modern checkout experience

Pricing Structure:

• Pricing not publicly disclosed
• Shared-risk model where merchants bear some credit exposure
• No non-recourse protection like Resolve offers
• Requires developer involvement for implementation

Slope's API-first design makes it attractive for tech-forward companies wanting custom implementations, though the shared-risk model means merchants still face potential bad debt exposure. The platform's strength lies in its speed and customization capabilities.

5. Billtrust — Enterprise AR Automation Without Financing

Billtrust takes a fundamentally different approach by focusing exclusively on accounts receivable automation without providing cash advances. Processing over $1 trillion in invoices annually across 2.5 million buyers and suppliers, Billtrust serves as a pure AR automation platform.

Core Features:

• Comprehensive AR automation platform
• 260+ AP portal integrations for broad invoice delivery reach
• Perfect 100% G2 customer satisfaction score
• 73% adoption rate among users
• End-to-end order-to-cash automation
• 40+ ERP and banking system integrations

Subscription Pricing:

• Custom pricing typically ranging from $150,000-$500,000+ annually
• No financing component—merchants still wait 30-90 days for payment
• 3-6 month implementation timeline
• No credit risk protection—100% merchant liability for bad debt

Billtrust excels at pure AR automation for enterprises processing high volumes of invoices. The platform's high costs and lengthy implementation make it specialized for large enterprises with dedicated AR teams rather than mid-market businesses seeking both AR automation and immediate liquidity.

6. HighRadius — Enterprise-Grade AR/AP Automation

HighRadius represents the enterprise end of the AR automation spectrum, processing over $2.23 trillion in receivables as of 2020 for Fortune 500 clients including P&G, Danone, and Sanofi.

Platform Strengths:

• Enterprise-grade AI automation for complex AR/AP processes
• Advanced predictive analytics and forecasting
• Deep ERP/CRM integrations with multi-entity support
• Proven track record with Fortune 500 companies
• Comprehensive order-to-cash platform

Pricing Structure:

• Custom pricing typically $150,000-$500,000+ annually
• Implementation costs of $100,000-$200,000
• 3-6 month implementation timeline minimum
• No cash advances or financing component
• 100% merchant liability for bad debt

HighRadius excels at handling complex enterprise AR/AP processes at massive scale. The platform is best suited for large enterprises with dedicated AR teams and no immediate cash flow constraints.

7. TreviPay — Legacy Enterprise B2B Payments

TreviPay represents the established enterprise B2B payments platform with over 40 years of legacy in the industry. The company processes over $6 billion annually across 30+ countries and 19 currencies.

Platform Capabilities:

• Global operations across 30+ countries with 19 currencies
• Comprehensive order-to-cash platform with managed services
• IDC MarketScape Leader recognition in embedded payments
• 40+ ERP integrations including SAP, Oracle, and Microsoft Dynamics
• Partial payment guarantees (not 100% non-recourse)

Enterprise Pricing:

• Custom enterprise pricing with lengthy sales cycles
• 3-6 month implementation timeline
• Days to weeks for credit approvals (vs. seconds for modern platforms)
• Complex platform best suited for large enterprises

While TreviPay offers global capabilities, the platform's approval process, implementation timeline, and lack of 100% non-recourse protection make it specialized for global enterprise environments rather than US-focused mid-market businesses needing rapid deployment.

Understanding Modern B2B Payment Trends

The shift toward modern B2B payment solutions reflects broader changes in business operations and buyer expectations. The U.S. Department of the Treasury has emphasized the importance of efficient payment systems for economic growth, noting that delayed payments create ripple effects throughout supply chains.

Research shows that B2B buyers increasingly expect flexible payment terms similar to consumer experiences. Companies offering net terms report higher conversion rates, larger average order values, and stronger customer retention. However, traditional approaches to extending credit create cash flow challenges that can constrain growth.

DSO varies widely by industry and company size. In Hackett Group’s working-capital benchmark for large public companies, DSO increased to 40.1 days, creating significant working capital constraints. Modern alternatives address this gap by providing immediate cash flow while enabling businesses to offer competitive net terms to their customers.

This evolution has created a clear distinction between legacy platforms focusing on either pure AR automation or recourse-based factoring, and modern solutions that combine 100% non-recourse financing, instant credit decisions, and comprehensive AR automation in a single transparent platform.

The Clear Advantage of Modern Cashable Alternatives

The evolution of B2B payments has created distinct value propositions across different platform types. Businesses using modern platforms achieve significant advantages in several key areas:

• Risk elimination: 100% non-recourse models remove estimated 1-3% annual bad debt costs
• Speed to value: Hours to days implementation vs. 3-6 months for enterprise platforms
• Revenue growth: Average order value increases and revenue growth potential through competitive payment terms
• Operational efficiency: Up to 90% work reduction in AR management according to customer testimonials
• Cost transparency: Predictable fees around 2.61-3.5% vs. complex enterprise pricing

The total cost of ownership analysis reveals that while some alternatives offer marginally lower transaction fees, the combination of risk elimination, operational efficiency, and revenue growth potential makes comprehensive platforms an attractive choice for mid-market B2B businesses.

Making the Right Choice for Your Business

For B2B companies evaluating cashable alternatives, the choice depends on your specific business needs, risk tolerance, and technical requirements:

By Business Size:

• Small to mid-market businesses ($500K-$50M revenue): Resolve offers an optimal combination of risk elimination, transparent pricing, and rapid implementation
• Enterprises with global operations: TreviPay provides multi-country support
• Businesses prioritizing lowest factoring cost: FundThrough offers marginally lower fees but with recourse risk
• Pure AR automation without financing needs: Billtrust or HighRadius for high-volume invoice processing
• Developer-focused implementations: Slope for maximum customization through API-first design

Implementation Timeline Reality:

• Hours to days: Resolve with native ERP integrations
• Same day: FundThrough for basic factoring
• Days to weeks: Slope with developer resources
• 3-6 months: Billtrust, HighRadius, or TreviPay enterprise deployments

Risk vs. Cost Trade-offs:

• Zero risk, moderate cost: Resolve (around 2.61-3.5% with 100% non-recourse)
• Some risk, lower cost: FundThrough (around 2.2-2.75% with recourse exposure)
• High cost, no financing: Billtrust/HighRadius ($150K-$500K+ annually with no cash advances)

For companies seeking to streamline accounts receivable while eliminating credit risk and accelerating cash flow, Resolve's platform provides a comprehensive solution combining financing, automation, and risk protection.

Frequently Asked Questions

What is the difference between non-recourse financing and traditional factoring?

Unlike traditional invoice factoring, non-recourse financing eliminates merchant risk entirely. With traditional factoring, merchants typically face recourse liability if customers default, requiring bad debt reserves or facing clawbacks. Resolve's 100% non-recourse model ensures that advances are always yours to keep on approved, non-disputed invoices (eligibility and standard exceptions apply). Additionally, non-recourse financing maintains merchant control over customer relationships, while traditional factoring often requires notifying customers of the assignment, potentially impacting business relationships.

How does Resolve use AI to streamline accounts receivable?

Resolve uses proprietary AI models that evaluate thousands of buyer data points to deliver instant credit decisions in 10-30 seconds. The platform's LLM-powered invoicing workflow automates reconciliation, payment reminders, and collections processes. Customer testimonials report up to 90% reduction in manual work. This AI-driven approach analyzes cash flow patterns and business performance rather than relying solely on traditional credit scores, resulting in higher approval rates.

Can Resolve integrate with existing platforms?

Yes, Resolve offers native integrations with major accounting and e-commerce platforms including QuickBooks, NetSuite, Sage Intacct, Xero, Shopify, BigCommerce, WooCommerce, and Magento. The platform enables same-day setup with certain systems, with real-time transaction sync and automatic bookkeeping that eliminates manual reconciliation. For custom platforms, Resolve provides a REST API for flexible integration options.

What are typical fees for Resolve's services?

Resolve's fees range around 2.61-3.5% depending on the advance percentage, term length, and risk profile. For example, a $1,000 invoice with a 90% advance on Net 30 terms would incur an estimated fee of approximately $31.50 (around 3.15%). The platform also offers entry pricing starting at $499/month annually for full platform access, with no hidden charges, monthly minimums, or volume requirements.

How quickly can businesses receive payment through Resolve?

Resolve advances up to 100% of approved invoices within 1-2 business days. This transforms Net 30, 60, or 90-day payment terms into near-immediate cash flow. The rapid funding timeline, combined with instant credit decisions, enables businesses to maintain healthy cash flow while offering competitive payment terms to their customers.

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.