While Chase Business Loans serve many companies, modern B2B businesses increasingly seek alternatives that offer faster access to capital, embedded credit solutions, and risk-free financing models. Resolve's integrated platform provides a superior approach by combining net terms, accounts receivable automation, and non-recourse financing in a single solution that accelerates cash flow while eliminating merchant risk.
Resolve stands as the premier alternative to Chase Business Loans by fundamentally reimagining B2B financing through its integrated platform that combines credit, payments, and automation. Founded by former Amazon and PayPal executives, Resolve brings enterprise-grade credit expertise to businesses of all sizes with a simple, relational approach.
Key Features:
Pricing Structure:
Resolve's platform serves as the "nerve center" for all B2B transaction types, whether ecommerce, marketplace, traditional sales, or hybrid models. The AI-powered automation reduces manual overhead by automating payment reminders, reconciliation, and collections workflows. Unlike traditional business loans that require extensive documentation and personal guarantees, Resolve's business credit check service requires only a company name and address, delivering results within 24 business hours.
The platform's non-recourse model means merchants never bear the risk of customer defaults—Resolve handles credit assessment, credit decisions, and the majority risk of late payments or defaults. This allows businesses to offer competitive net terms that enhance buyer loyalty and unlock larger orders while protecting their cash flow. With white-label capabilities, merchants maintain complete control over customer relationships while offloading the complex credit and collections infrastructure.
Small Business Administration (SBA) loans provide government-backed alternatives to conventional bank financing, offering favorable terms and lower down payments for qualified businesses.
Key Characteristics:
Considerations:
While SBA loans offer attractive interest rates and terms, they lack the speed and flexibility of modern B2B financing platforms. Businesses requiring immediate working capital or those without substantial collateral may find alternatives like Resolve's integrated platform more suitable for their operational needs.
New businesses without established revenue or credit history face unique challenges accessing traditional financing, leading to specialized startup loan programs and alternative funding sources.
Available Options:
Startup Considerations:
Startups seeking to establish business credit while accessing capital should consider Net 30 vendor accounts as a complementary strategy. These trade credit relationships help build business credit profiles without requiring immediate cash outlays. B2B businesses can leverage platforms like Resolve that evaluate customer creditworthiness rather than requiring the merchant to qualify for financing, allowing even new businesses to offer net terms to their customers while receiving immediate payment.
Businesses with outstanding invoices can access immediate working capital through invoice financing and factoring arrangements, though significant differences exist between traditional factoring and modern alternatives.
Traditional Factoring:
Modern Alternatives:
Platforms like Resolve offer a superior alternative to factoring by providing non-recourse advances while maintaining merchant control over customer relationships. The integrated approach combines financing with comprehensive accounts receivable management, eliminating the need for separate AR and financing solutions.
Very small businesses and those in underserved communities can access specialized microloan programs and community-based lending institutions designed to serve populations traditionally excluded from mainstream banking.
Microloan Sources:
Community Lending Advantages:
While microloans provide crucial access to capital for very small businesses, they typically don't address the B2B-specific challenges of managing net terms, accounts receivable, and customer credit relationships that platforms like Resolve are designed to solve.
Revolving lines of credit offer flexible access to working capital, allowing businesses to draw funds as needed up to a predetermined limit and pay interest only on amounts used.
Traditional Bank Lines:
Online Alternative Lines:
Lines of credit provide flexibility for general working capital needs but don't address the specific B2B commerce challenges of offering net terms to customers while maintaining healthy cash flow. Unlike integrated platforms like Resolve, traditional lines of credit require separate systems for credit management, invoicing, and collections.
Online peer-to-peer (P2P) lending platforms connect businesses directly with individual and institutional investors, bypassing traditional banking intermediaries.
P2P Platform Characteristics:
Platform Considerations:
P2P lending provides an alternative source of debt financing but, like traditional loans, doesn't address the operational complexities of B2B commerce including credit management, net terms administration, and accounts receivable automation.
For B2B companies evaluating alternatives to Chase Business Loans, the optimal choice depends on your specific business model, customer relationships, and operational needs:
Choose Resolve when you need:
Consider traditional alternatives when you need:
The fundamental difference lies in Resolve's embedded finance approach versus traditional debt financing. Rather than adding another loan to your balance sheet, Resolve enhances your existing B2B commerce operations by providing the credit infrastructure needed to compete effectively in today's B2B marketplace.
Businesses offering net terms see increased customer loyalty, larger order values, and improved buyer relationships, but managing credit risk and cash flow timing creates significant operational complexity. Resolve eliminates this complexity by handling the entire credit-to-cash lifecycle while advancing payment immediately, transforming net terms from a cash flow challenge into a competitive advantage.
Traditional bank loans like Chase Business Loans create debt obligations on your balance sheet requiring regular principal and interest payments regardless of business performance. Alternative financing options like Resolve's platform provide working capital tied directly to your business transactions without creating debt. Resolve's non-recourse model means you receive advance payment on approved invoices with zero risk if customers fail to pay, unlike loans where you remain liable regardless of customer payment outcomes.
Non-recourse financing means the financing provider assumes all risk for customer non-payment, with no recourse to the merchant. Resolve's non-recourse model guarantees that cash advances are always yours to keep, regardless of whether your customers ultimately pay their invoices. This eliminates the risk traditionally associated with offering net terms, allowing you to extend credit confidently while protecting your cash flow and balance sheet.
Yes, B2B BNPL and net terms consistently drive sales growth by increasing customer purchasing power and removing payment barriers. Resolve's platform enables businesses to offer net 30, 60, or 90-day terms while receiving immediate payment, creating a win-win scenario where customers gain flexible payment options and merchants accelerate cash flow while growing sales. The enhanced buying experience leads to larger orders, increased customer retention, and competitive differentiation.
Resolve offers comprehensive integration capabilities with leading platforms including QuickBooks, Oracle, Shopify, BigCommerce, Magento, and WooCommerce. The integration automatically syncs customer data, invoices, and payment information, eliminating manual data entry and ensuring accurate financial records. Transactions are automatically recorded and synced to your accounting system, with AI-powered reconciliation ensuring accuracy across your receivables lifecycle.
Resolve provides significantly faster capital access than traditional business loans. While conventional bank loans can take weeks to months for approval and funding, Resolve delivers credit decisions within 24 business hours and can advance up to 100% of approved invoice amounts within 24 hours. This speed allows B2B businesses to maintain healthy cash flow without the lengthy application processes, extensive documentation requirements, or waiting periods associated with traditional lending.
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.