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