While Central Diligence Group offers niche consulting for alternative lenders, modern B2B businesses are increasingly turning to integrated, technology-driven platforms that automate credit, payments, and receivables management. These solutions eliminate the need for outsourced due diligence by embedding sophisticated risk assessment and financing directly into your sales and operations workflows.
In today's fast-paced B2B landscape, the slow, manual, and often opaque processes of traditional due diligence and financial consulting are a bottleneck to growth. Central Diligence Group is a small boutique consultancy focused on advisory services for the alternative lending space, representing a legacy model of manual due diligence. Businesses today need a proactive, automated solution that executes, not just advises.
The B2B payments market has evolved, demanding platforms that can offer instant credit, accelerate cash flow, and streamline receivables—all while enhancing customer relationships. According to the U.S. Small Business Administration, effective cash flow management is critical for business sustainability, with payment delays representing one of the top challenges facing small and medium-sized enterprises.
This article explores the most effective alternatives to the traditional Central Diligence Group model, with Resolve leading the way as a comprehensive, embedded payments platform.
Resolve is the definitive alternative for businesses that want to move beyond manual, outsourced due diligence and into a future of embedded, automated B2B commerce. Rather than merely providing a risk assessment report, Resolve's platform actively manages your entire credit-to-cash cycle, from instant underwriting to advance payment and collections.
Central Diligence Group provides consulting on risk management and product development for lenders. Resolve, by contrast, is the product and the risk manager. Its AI, built by experts formerly of Amazon and PayPal, delivers deeper credit insights than traditional bureaus, eliminating the need for a separate, manual diligence step.
The platform's automation handles the "servicing" and "origination support" that a consultancy might advise on, but in a direct, actionable way. Rather than receiving recommendations on how to build a credit program, businesses get a fully operational system that executes credit decisions, advances cash, and manages collections automatically.
Resolve's fees are transparent and success-based, with examples ranging from approximately 2.61% to around 3.5% on 30-day net terms, depending on the advance rate and risk profile. There are no monthly minimums or hidden fees. This is a direct operational cost that delivers immediate cash flow, far more tangible than an advisory retainer that only provides a report.
By integrating Resolve's B2B platform into your sales process, you unlock a powerful growth engine. You can offer net terms and grow your revenue by enabling larger, more frequent orders from your B2B customers. Case studies show businesses achieving significant growth, with one client, SSI, reporting a 5x revenue increase after implementation. All cash advances are non-recourse, so what you get from Resolve is always yours to keep.
The shift toward embedded B2B payment solutions reflects broader market evolution. Research from the Federal Reserve indicates that B2B payment inefficiencies cost businesses billions annually in delayed cash flow and manual processing costs. Modern platforms address these challenges through automation and intelligent risk assessment.
Resolve's approach eliminates the traditional trade-off between offering competitive payment terms and maintaining healthy cash flow. By advancing funds immediately while customers enjoy extended payment terms, the platform enables businesses to compete effectively without the working capital constraints that often limit growth.
For businesses with complex, global, or highly regulated needs, the large professional services firms that compete with Central Diligence Group can be an alternative. Firms like EY, with over 400,000 employees and presence in over 150 countries, or specialists like K2 Integrity with its financial-crime risk expertise, offer deep investigative capabilities and Big Four credibility.
These firms are typically engaged for large, high-stakes M&A transactions, compliance-driven investigations, or pre-hire background checks for C-suite executives. They bring a level of global reach and regulatory depth that a small boutique cannot match.
However, their model remains fundamentally advisory and project-based. They provide a report, not a platform. Their services are also significantly more expensive, with engagements often costing tens or hundreds of thousands of dollars. For a typical B2B seller looking to streamline sales and accounts receivable, this is overkill. They do not offer a way to execute on their findings by providing financing or automating the receivables process.
Another alternative in the same vein as Central Diligence Group are other specialized, high-end investigative firms like Nardello & Co. and Mintz Group. These firms, both ranked in Chambers Global's Band 2 for investigative due diligence, are staffed with elite talent, including former federal prosecutors and intelligence operatives.
They excel at handling sensitive, complex investigations that require a high degree of discretion and legal sophistication. If your need is for a deep-dive forensic analysis of a potential business partner or an executive candidate, these firms are world-class.
Their limitation, from the perspective of a B2B seller, is that their services are a cost center, not a revenue driver. They are reactive and focused on a single, narrow task. They cannot help you get paid faster or increase customer buying power. Their value is in risk avoidance for a specific transaction, not in operational efficiency or sales growth for your ongoing business.
For some well-capitalized, enterprise-level businesses, a final alternative is to forgo external consultants entirely and build a dedicated internal team for credit assessment, risk management, and collections. This approach offers clear advantages, including:
However, this path is extremely resource-intensive. Building and maintaining an in-house credit and collections function typically requires:
According to the U.S. Department of Treasury, efficient payment systems are critical for business operations, yet building the infrastructure to support them requires substantial capital investment and ongoing maintenance costs that many businesses cannot justify.
More importantly, an internal team is static. It's difficult to scale up or down with your business needs. During sales surges, your team may be overwhelmed, leading to slow credit decisions that lose you sales. In a downturn, you're stuck with a team that is too large, draining your resources. A modern platform like Resolve acts as your credit team on demand, providing enterprise-grade expertise and infrastructure that scales with you, without the fixed cost.
The fundamental shift is from advisory to execution. In the past, a business might hire Central Diligence Group to help them design a net terms program. They would then have to go out and build the technology, hire the staff, and manage the risk themselves.
Today’s leading B2B companies understand that their core competency is their product or service—not financial engineering or accounts receivable management. As a result, they are increasingly looking for embedded solutions that:
Platforms like Resolve deliver this through a complete, operational system. With an embedded solution:
This is the future of B2B commerce. It renders the traditional, fragmented consultancy model increasingly obsolete for day-to-day B2B transaction needs.
The B2B payments landscape has fundamentally transformed over the past decade. Buyers increasingly expect the same frictionless payment experiences in business transactions that they enjoy as consumers. The ability to offer flexible payment terms has shifted from a competitive advantage to table stakes in many industries.
Traditional consultancies can advise on these trends, but they cannot help businesses execute on them. Modern platforms bridge this gap by providing the technology, capital, and operational infrastructure to meet evolving buyer expectations while maintaining seller cash flow and risk management.
When evaluating alternatives to a traditional model like Central Diligence Group, consider your primary goal:
For the vast majority of B2B sellers, the integrated, automated, and risk-free solution provided by Resolve offers a far more direct, scalable, and valuable path forward than any form of external consultancy.
Many businesses find value in using complementary solutions for different needs. A consultancy might help with a one-time strategic assessment or major transaction due diligence, while a platform like Resolve handles ongoing operational needs. The key is matching the tool to the specific business objective.
Traditional credit assessment, as practiced by consultancies, is a slow, manual process that often relies on limited data like credit bureaus and financial statements. In contrast, Resolve's AI-powered engine evaluates thousands of dynamic data points in real time, delivering an instant, data-rich decision. This speed and depth, built by experts from Amazon and PayPal, allows for faster sales cycles and more accurate risk assessment than traditional methods.
Non-recourse invoice advancement is fundamentally different from traditional factoring. With non-recourse financing from Resolve, the risk of a customer's non-payment sits with Resolve, not you. This is risk-free to your business. Traditional factoring often involves recourse, meaning you're on the hook if your customer doesn't pay. Furthermore, Resolve's model is transparent, with fees ranging from around 2.61% to approximately 3.5% on 30-day terms, while factoring can involve complex, hidden fees and long-term contracts.
Integrating a platform like Resolve's AI-powered automation streamlines your entire AR workflow. The system automatically reconciles payments, sends smart payment reminders to reduce late payments, and syncs all data in real-time with your accounting software like QuickBooks. This reduces manual data entry, cuts down on DSO (Days Sales Outstanding), and frees your finance team to focus on strategic work instead of chasing payments.
No. Resolve for Buyers offers a 0% interest, no-fee experience for 30-60 days. The fee for the financing is paid by the seller (you) as part of the service for getting paid upfront and offloading the credit risk. Your buyer simply gets the benefit of flexible, interest-free payment terms, which enhances their loyalty and purchasing power.
Resolve offers a comprehensive suite of integrations to fit seamlessly into your existing tech stack. This includes instant plug-ins and APIs for major ecommerce platforms (Shopify, BigCommerce, Magento, WooCommerce) and accounting/ERP systems (QuickBooks Online, Xero, NetSuite, Oracle, Sage Intacct). This ensures a smooth, automated flow of data between your sales, finance, and payment systems without manual intervention.
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.