Channel Partners Capital Alternatives

While Channel Partners Capital has funded over $3 billion in equipment financing since 2009, modern B2B companies are discovering superior alternatives for offering net terms that provide faster implementation, transparent pricing, and AI-powered underwriting. For businesses looking beyond equipment loans to streamline invoice financing and accounts receivable, these platforms deliver the capital solutions needed without the limitations of traditional recourse-based lending.

Key Takeaways

Non-recourse financing eliminates risk: Resolve provides 100% non-recourse net terms financing with the option to advance up to 100% of an approved invoice, completely removing merchant liability for customer defaults
AI-powered underwriting accelerates approvals: Modern platforms deliver credit decisions within 24 hours (with some up to $25,000 qualifying for instant approval) compared to Channel Partners Capital's 1-3 day traditional processes
Transparent flat-fee pricing: Resolve offers clear 2.61-3.5% fees for Net 30 terms with no hidden charges, versus Channel Partners Capital's undisclosed daily/weekly repayment structure
Complete AR automation platform: Resolve combines credit underwriting, payment processing, invoicing, and collections in a single platform, reducing manual AR work by 50-83%
E-commerce integration capabilities: Resolve integrates directly with Shopify, BigCommerce, and other platforms to offer net terms at checkout—something Channel Partners Capital's partner-only model cannot support
Direct application vs. partner network: Resolve allows businesses to apply directly without going through intermediaries, streamlining the entire process

1. Resolve — The Complete Non-Recourse Alternative to Channel Partners Capital

Resolve stands out as the premier Channel Partners Capital alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Spun out of Affirm in 2019, Resolve's team includes experts with experience from top firms like Amazon and PayPal, bringing consumer fintech innovation to B2B payments with a focus on invoice financing rather than equipment loans.

Key Features:

100% non-recourse financing with zero merchant risk
AI-powered credit decisions within 24 hours (instant for purchases up to $25,000)
Net 30, 60, or 90-day payment terms
Advance payments of up to 100% within one day
Transparent flat fees of 2.61-3.5% for Net 30 terms
Seamless integrations with QuickBooks, NetSuite, Shopify, and BigCommerce
White-label payment portal for customers

Pricing Structure:

Fees range from 2.61-3.5% for Net 30 terms with a 100% advance
No monthly minimums, setup fees, or hidden charges
Credit card processing fees passed to buyers
Custom pricing available for enterprise volumes

The platform's AI-powered AR automation reduces manual work by 50-83%, while its AI-powered invoicing workflow automatically syncs transactions across systems. Unlike Channel Partners Capital's recourse model where merchants remain liable for customer defaults, Resolve assumes complete risk on all approved, non-disputed invoices.

According to the recent Federal Reserve, B2B payment innovation continues to accelerate as businesses seek more efficient working capital solutions. Resolve’s case studies highlight measurable results: Conequip grew their net terms business, and SSSI achieved 5x revenue growth through streamlined B2B payments.

Unlike traditional equipment financing, Resolve serves any B2B invoice across any industry, making it ideal for businesses seeking working capital flexibility beyond asset-based loans. The platform currently serves over 15,000 businesses and is backed by prominent investors including Initialized Capital and Commerce Ventures.

2. Two — Enterprise-Scale B2B BNPL with Nordic Strength

Founded in 2020, Two has established itself as a leading Nordic B2B BNPL provider with enterprise-scale processing capabilities. The company offers strong alternatives for businesses with international operations, particularly in European markets.

Platform Strengths:

Real-time credit decisions and same-day funding
Net 30/60/90 payment terms with 100% advance to vendors
Strong presence in Nordic and European markets
Enterprise-grade security and compliance
Multiple payment method support
API-first architecture for custom integrations

Pricing Considerations:

Custom enterprise pricing (not publicly disclosed)
Varies by transaction volume and risk profile
Implementation typically takes weeks
Best suited for large transaction volumes

Two's notable strength lies in its international capabilities and enterprise focus, making it ideal for businesses with significant European operations. However, its custom pricing structure lacks the transparency of Resolve's flat-fee model, and its geographic focus may not serve purely domestic US businesses as effectively.

3. Credit Key — Omnichannel Point-of-Purchase Credit

Credit Key distinguishes itself through omnichannel integration, offering point-of-purchase B2B credit across all sales channels. Founded in 2015, the platform specializes in real-time credit decisions embedded directly in the sales process.

Core Capabilities:

Real-time credit approvals at point of sale
Omnichannel integration (online, phone, in-person)
Net 30/60 payment terms
Instant credit decisions with proprietary underwriting
Multiple payment method support
API and plugin integrations

Pricing Model:

Variable pricing based on risk and terms
Not always non-recourse (varies by arrangement)
Less comprehensive AR automation than Resolve
Focus on point-of-sale vs. complete AR platform

Credit Key excels at the moment of sale but doesn't provide the comprehensive AR automation platform that Resolve offers. Businesses seeking complete accounts receivable management alongside financing will find Resolve's end-to-end solution more comprehensive.

4. VersaPay — Pure AR Automation Without Financing

VersaPay takes a fundamentally different approach by focusing exclusively on accounts receivable automation rather than credit extension. Processing over $170 billion annually across 110 million transactions, VersaPay serves as a pure AR automation platform.

Platform Features:

Extensive ERP and accounting system integrations (30+ connections)
AI-powered cash application and dispute resolution
Automated payment reminders and collections
Customer portal with high adoption rates
Enterprise-grade security and compliance

Subscription Pricing:

Annual subscription ranging from $100 to $33,000+
Additional implementation costs for ERP integration
Transaction fees on top of subscription
No financing component—separate funding source required

VersaPay's strength lies in its massive integration ecosystem and pure focus on AR automation. However, businesses specifically seeking invoice financing will need to pair VersaPay with another solution, making Resolve's combined financing and automation platform more efficient for most use cases.

5. Fundbox — Quick Capital for Small Businesses

Fundbox occupies a distinct niche providing credit lines from $1,000 to $150,000 for small businesses that traditional lenders overlook. Since 2013, the platform has connected with over 500,000 businesses and facilitated over $2.5 billion in working capital.

Accessibility Features:

Instant decisions with next-day funding
Credit lines up to $150,000
12, 24, or 52-week repayment terms
No personal guarantee required
Simple application process

Cost Structure:

High effective APR (often 35% or higher)
Fees starting around 4.66% for 12-week plans
Weekly repayment schedule
Late payment fees and NSF charges

The U.S. Small Business Administration recommends evaluating all financing options carefully. While Fundbox provides critical funding when banks won't help, its high cost structure makes it less suitable for regular B2B net terms financing. Resolve's transparent 2.61-3.5% flat fees offer significantly better value for ongoing working capital needs.

6. Balance Payments — B2B Payment Processing Focus

Balance Payments focuses on B2B payment processing with modern technology infrastructure. The platform emphasizes payment method flexibility and developer-friendly integration.

Platform Capabilities:

Multiple payment method support (ACH, card, wire, check)
API-first architecture for custom integrations
Modern security and compliance standards
Developer-friendly documentation
Payment processing optimization

Pricing Considerations:

Custom pricing based on volume and risk
Transaction fees vary by payment method
Less focus on credit underwriting and financing
Primarily a payment processor vs. financing platform

Balance Payments excels at payment processing but lacks Resolve's comprehensive credit underwriting and non-recourse financing capabilities. Businesses needing complete net terms solutions will find Resolve's integrated approach more compelling.

7. Now Corp — Proven Track Record in B2B Payment Acceleration

Now Corp represents a mature alternative with a 14-year track record, having processed over $700 million in invoices since its founding in 2010. Co-founded by serial entrepreneur Lara Hodgson and political leader Stacey Abrams, this Atlanta-based platform focuses on underserved businesses.

Key Features:

Payment in 2 business days vs. traditional 90-120 day cycles
100% non-recourse financing with zero merchant liability
Automated accounts receivable management
QuickBooks Online integration
B2B and B2G (business-to-government) specialization

Pricing Structure:

Transaction fees of 3-5% per invoice
Payment administration fees of $5 per invoice
No setup fees or monthly minimums
Off-balance-sheet transactions

Now's unique positioning focuses on supporting diverse and underserved businesses. While it offers non-recourse financing like Resolve, its 3-5% fee structure is higher than Resolve's 2.61-3.5% range, and it lacks Resolve's comprehensive AI-powered AR automation.

Making the Right Choice for Your Business

The B2B payments landscape has transformed dramatically, with embedded B2B payments reshaping how companies manage cash flow. Independent industry research estimates the global B2B BNPL market at $199.2 billion in 2024, with rapid growth fueling innovation in net terms financing.

For B2B companies evaluating Channel Partners Capital alternatives, the choice ultimately depends on your specific needs, industry, and business model:

By Use Case:

Invoice financing with net terms: Resolve (non-recourse, transparent pricing, complete AR automation)
Equipment financing: Channel Partners Capital (specialized expertise, partner network)
International operations: Two (Nordic/European strength)
Point-of-purchase credit: Credit Key (omnichannel integration)
Pure AR automation: VersaPay (extensive integrations, no financing)
Small business working capital: Fundbox (accessibility, high cost)
Payment processing: Balance Payments (modern infrastructure, limited financing)

Cost Comparison for $100,000 in Financing:

Resolve: $2,610-$3,500 (2.61-3.5% flat fee)
Channel Partners Capital: Undisclosed (daily/weekly repayment structure)
Now Corp: $3,000-$5,000 (3-5% transaction fees)
Fundbox: $4,660+ (4.66%+ for 12-week plans)
VersaPay: Subscription + transaction fees (no financing component)

Implementation Timeline Reality:

Same day: Resolve (with existing e-commerce integrations)
1-2 weeks: Resolve (ERP integration), Credit Key
2-4 weeks: VersaPay, Two, Balance Payments
1-3 days: Channel Partners Capital (but requires partner network)

For businesses seeking to offer net terms on B2B invoices while eliminating credit risk and automating AR, Resolve's platform provides a modern, transparent alternative that addresses the limitations of traditional equipment finance models.

Frequently Asked Questions

What are the benefits of offering net terms through an embedded payments platform?

Offering net terms through an embedded payments platform like Resolve increases customer purchasing power, drives 40% higher average order values, and builds buyer loyalty through repeat purchases. The platform handles credit assessment, underwriting, and collections management while advancing up to 100% of invoice value within one day. This allows businesses to offer flexible payment terms without sacrificing cash flow or assuming credit risk.

How does Resolve's 'Better Than Factoring' solution compare to traditional invoice factoring?

Unlike traditional invoice factoring which requires selling invoices at steep discounts (1-5% monthly) and often involves third-party customer notification, Resolve offers non-recourse financing with transparent flat fees of 2.61-3.5% for Net 30 terms. Resolve maintains white-label customer relationships while assuming complete default risk, and provides comprehensive AR automation that reduces manual work by 50-83%. Traditional factoring also typically requires long-term contracts and monthly minimums that Resolve eliminates.

Can Resolve integrate with my existing ERP or accounting software?

Yes, Resolve offers seamless integrations with major ERP and accounting platforms including QuickBooks, NetSuite, Sage Intacct, and Xero. The platform also integrates with e-commerce platforms like Shopify, BigCommerce, Magento, and WooCommerce. Integration typically takes 1-2 weeks for ERP systems and can be implemented the same day for existing e-commerce stores with native connectors.

Is Resolve's financing truly non-recourse, and what does that mean for my business?

Yes, Resolve's financing is 100% non-recourse, meaning you assume zero liability for customer payment failures on approved, non-disputed invoices. This eliminates the primary risk of offering net terms—bad debt—and allows you to focus on growing sales rather than managing credit risk. The cash advances are completely yours to keep, regardless of whether your customers ultimately pay their invoices.

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

Resolve advances up to 100% of approved invoice value within one day of billing, compared to the standard 30-90 day payment cycles of traditional net terms. This transforms your cash conversion cycle from weeks or months to a single day, providing immediate working capital for operations, inventory, and growth initiatives without taking on balance sheet debt.

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.