Clarify Capital Alternatives

While Clarify Capital connects small businesses with 75+ lenders for various financing needs, B2B companies are increasingly seeking alternatives that eliminate debt liability, offer transparent pricing, and provide comprehensive accounts receivable automation. For invoice-based businesses specifically, modern platforms like Resolve's B2B Net Terms deliver superior value through non-recourse financing and AI-powered credit decisions.

Key Takeaways

Non-recourse financing eliminates default risk: Resolve provides non-recourse net terms financing with the option to advance up to 100% of approved invoices, ensuring you keep the cash even if customers don't pay
AI-powered credit decisions happen in seconds: Modern platforms deliver credit approvals in seconds compared to days with traditional lenders, with Resolve's proprietary models evaluating thousands of data points instantly
Full AR automation saves 14+ hours weekly: Resolve's platform handles invoicing, collections, and reconciliation end-to-end, freeing teams from manual AR work
Transparent flat-fee pricing: Resolve fees range from 2.61% to 3.5% on 30-day net terms versus potentially hidden broker fees and variable APRs with loan brokers
White-labeled customer experience: Maintain complete control over customer relationships with branded payment portals and collections handled in your name
Deep ERP integration ecosystem: Native bi-directional integrations with QuickBooks, NetSuite, Shopify, and other platforms eliminate manual data entry and reconciliation errors

1. Resolve — Non-Recourse B2B Financing Without the Debt

Resolve stands out as a leading Clarify Capital alternative for invoice-based B2B businesses by shifting most payment default risk away from merchants through its non-recourse financing model. Unlike traditional loan brokers that create debt liability, Resolve advances payment on your approved invoices while taking on the credit assessment, credit decision, and complete risk of late payments or defaults.

Key Features:

Up to 100% non-recourse financing that significantly reduces bad debt risk for merchants by shifting qualified customer defaults to Resolve
Instant credit decisions using proprietary models that evaluate thousands of buyer data points
Net 30, 60, or 90-day payment terms
Up to 100% advance payment within one day
Transparent fees: 2.61% on 30-day net terms or up to 3.5% for 100% advances
Native ERP integrations including QuickBooks, NetSuite, and Shopify
White-label payment portal for customers with ACH, credit card, wire, and check options

Comprehensive AR Automation:

Resolve's accounts receivable platform goes beyond simple financing to automate your entire net terms workflow from invoice to payment. The platform uses LLMs to manage all invoice types—net terms, COD, and due upon receipt—with fewer errors and less manual input. AI agents automatically manage payment reminders and collections workflows, reducing the time spent on receivables management by an average of 50%.

The platform's smart bookkeeping automation maps and syncs transaction data in real time, automatically recording all transactions to QuickBooks. This eliminates the manual reconciliation burden that typically consumes around 14 hours per week for finance teams.

Transparent Pricing Structure:

2.61% fee on 30-day terms for standard risk customers
Up to 3.5% flat fee for 30-day terms with 100% advance
Risk-based advance rates: 100%, 75%, or 50% based on customer creditworthiness
No monthly minimums, setup fees, or hidden charges
Credit card fees passed to buyers via the online payment portal

Unlike Clarify Capital's broker model where lender-paid commissions of 1–5% may be reflected in higher APRs or total borrowing costs, Resolve’s direct platform model offers a transparent, flat-fee pricing structure.”. The non-recourse structure means that in approved non-recourse scenarios, you keep the advance payment even if a qualified customer doesn’t pay, subject to Resolve’s program terms.

Recent case studies demonstrate significant impact: in some deployments, businesses have reported meaningfully faster sales cycles, higher average order values, and 30–60% faster payment collection. Resolve serves thousands of B2B businesses across wholesale, manufacturing, and distribution sectors.

2. SBA Small Business Loans — Government-Backed Traditional Financing

The U.S. Small Business Administration offers government-backed loan programs with favorable terms for qualified businesses seeking traditional financing alternatives.

Program Options:

SBA 7(a) loans: Up to $5 million for working capital, equipment, or expansion
SBA 504 loans: For major fixed assets like real estate or heavy equipment
SBA Express: Faster processing with loan amounts up to $500,000

Key Considerations:

SBA loans typically offer lower interest rates than alternative lenders, but require extensive documentation and have longer approval timelines. The application process can take 30-90 days, and businesses need strong credit profiles and collateral. While SBA loans don't involve broker fees, they still create debt liability that must be repaid regardless of customer payment status.

For B2B companies specifically seeking to offer net terms to customers, SBA loans don't provide the integrated AR automation or credit underwriting capabilities that platforms like Resolve offer. However, for major capital expenditures like equipment or real estate, SBA financing remains a cost-effective option.

3. Startup Business Loans — Financing for New Ventures

New businesses with limited operating history often struggle to qualify for traditional financing. Several options exist specifically for startups and early-stage companies.

Available Options:

Microloan programs: Smaller loan amounts ($50,000 or less) with more flexible requirements
Online lenders: Faster approval processes with alternative underwriting criteria
Equipment financing: Using purchased equipment as collateral
Business credit building: Establishing business credit separate from personal credit

Resolve's Startup Support:

For B2B startups specifically, Resolve's business credit check service helps new businesses understand their buyers' creditworthiness without requiring extensive business history. The platform’s AI models can often approve customers with minimal inputs such as business name and address, delivering results within 24 hours in many cases.

Unlike traditional startup loans that require personal guarantees and create debt liability, Resolve's non-recourse model allows new B2B businesses to offer competitive net terms without risking their limited capital on customer defaults.

4. Small Business Grants — Non-Repayable Funding

Grants represent the most attractive form of business financing since they don't need to be repaid and don't create debt liability.

Grant Categories:

Federal grants: Programs like SBIR (Small Business Innovation Research) and STTR (Small Business Technology Transfer)
State and local grants: Economic development programs specific to geographic regions
Industry-specific grants: Funding for particular sectors like agriculture, technology, or manufacturing
Diversity-focused grants: Programs for women-owned, minority-owned, or veteran-owned businesses

Application Challenges:

Grants are highly competitive with limited availability. The application process is typically complex and time-consuming, requiring detailed business plans and specific use-of-funds restrictions. While grants provide non-dilutive, non-repayable capital, they're not a reliable ongoing financing solution for accounts receivable or working capital needs.

For B2B companies seeking consistent cash flow management, platforms like Resolve that provide ongoing invoice financing offer more practical and scalable solutions than the sporadic nature of grant funding.

5. Women-Owned Business Financing — Specialized Support

Women entrepreneurs have access to specialized financing programs designed to address historical lending gaps.

Available Resources:

SBA Women's Business Centers: Provide counseling and financing guidance
Women-focused lenders: Organizations like Accion and Kiva offering favorable terms
Supplier diversity programs: Corporate initiatives creating opportunities for certified women-owned businesses
Certification benefits: Women's Business Enterprise (WBE) certification can unlock corporate and government contracts

Financing Considerations:

While these programs provide valuable support and potentially better terms, they still typically involve debt creation and repayment obligations. For B2B women-owned businesses specifically, Resolve's non-recourse model offers the advantage of eliminating customer default risk while maintaining complete control over customer relationships through white-labeled collections.

6. Peer-to-Peer Lending — Marketplace Financing

Peer-to-peer (P2P) lending platforms connect borrowers directly with individual or institutional investors, bypassing traditional banks.

Leading Platforms:

Funding Circle: Specializes in small business loans
LendingClub: Offers both personal and business financing
Prosper: Primarily consumer-focused but offers some business options

P2P Characteristics:

P2P platforms typically offer loan amounts between $25,000-$500,000 with interest rates ranging from 6-36% APR. Approval is generally faster than traditional banks (1-7 days) but still requires credit checks and creates debt liability. Unlike Resolve's non-recourse model, P2P loans must be repaid regardless of your customers' payment status.

For B2B companies with consistent invoice volumes, the predictable fee structure of platforms like Resolve (2.61-3.5% flat fee) often provides more cost-effective and less risky financing than variable APR P2P loans.

7. Business Credit Cards — Revolving Credit Options

Business credit cards provide revolving credit lines that can be useful for managing working capital and expenses.

Key Benefits:

Revolving credit: Ongoing access to funds up to your credit limit
Rewards programs: Cash back, travel points, or other incentives
Expense management: Detailed spending tracking and reporting
Credit building: Helps establish business credit history

Integration with Resolve:

Resolve's branded payment portal accepts credit card payments from your customers, with credit card fees passed on to buyers rather than absorbed by your business. This eliminates the cost concern that often makes business owners hesitant to accept credit cards.

However, business credit cards create debt liability and typically carry high APRs (15-25%+). For B2B companies with significant accounts receivable, platforms like Resolve that provide non-recourse invoice financing offer more strategic cash flow management than revolving credit card debt.

8. Traditional Invoice Factoring — The Legacy Alternative

Traditional invoice factoring remains an option for B2B businesses seeking immediate cash flow, though modern alternatives offer significant advantages.

Factoring Characteristics:

Recourse vs. non-recourse: Most factoring involves recourse, meaning you're liable if customers don't pay
Higher effective costs: Discount rates and fees that can translate into roughly 20–40% effective APR once annualized
Third-party collections: Factoring companies often contact your customers directly, potentially damaging relationships
Lengthy contracts: Often require long-term commitments with monthly minimums

Resolve vs. Traditional Factoring:

Resolve's modern alternative addresses these drawbacks:

Non-recourse financing eliminates default risk
Transparent flat fees of 2.61-3.5% vs. 20-40% factoring rates
White-labeled experience protects customer relationships
No long-term contracts or monthly minimums

The significantly lower total cost compared to traditional financing options makes Resolve an efficient, risk-free working capital solution for B2B businesses.

Choosing the Right Alternative for Your B2B Business

For B2B companies evaluating Clarify Capital alternatives, the choice depends on your specific business model, risk tolerance, and operational needs:

B2B Invoice-Based Businesses: Resolve offers the most comprehensive solution with non-recourse financing, AR automation, and transparent pricing. The platform is specifically designed for wholesalers, distributors, manufacturers, and service providers who invoice customers regularly.

Major Equipment Purchases: SBA loans or equipment financing may be better suited for large capital expenditures, though they create debt liability.

Non-B2B Businesses: Companies without regular invoicing may benefit more from business credit cards, P2P lending, or traditional term loans.

Cost Comparison for $500K Annual Invoices:

Resolve:~$15,750 annually (assuming a 3.15% flat fee on financed invoices)
Traditional term loan: Example scenario where total cost (interest, fees, internal AR labor, and bad debt) can exceed $100,000 annually
Traditional factoring: Example scenario where discount rates and fees can push annual costs to $119,000+

The lower total cost demonstrates why B2B businesses are increasingly choosing modern embedded payment platforms over traditional lending models.

Frequently Asked Questions

What credit score do I need for alternatives to Clarify Capital?

For Resolve, there's no minimum business credit score requirement since the platform focuses on your customers' creditworthiness rather than your own. Resolve's AI models evaluate your buyers' financial health to determine their credit limits, and your business credit score doesn't impact approval. Traditional alternatives like SBA loans typically require 680+ personal credit scores, while P2P lenders may accept scores as low as 600.

How quickly can I get funded with different small business loan types?

Resolve provides funding within 1-2 business days after invoice approval. SBA loans typically take 30-90 days, traditional bank loans 2-4 weeks, and P2P lending 1-7 days. Clarify Capital's broker model can deliver funding in 24-48 hours, but this creates debt liability rather than non-recourse invoice advances.

Are SBA loans better than alternative lenders for startups?

SBA loans offer lower interest rates but have stringent qualification requirements that make them difficult for startups to obtain. Most SBA programs require 2+ years of business history and strong collateral. For B2B startups specifically, Resolve's non-recourse model allows new businesses to offer net terms without personal guarantees or debt liability, making it more accessible than SBA financing.

How does business credit differ from personal credit?

Business credit is based on your company's financial history and payment behavior, while personal credit reflects individual financial management. Business credit bureaus like Dun & Bradstreet, Experian Business, and Equifax Business maintain separate reports. Resolve delivers deeper credit insights than traditional bureaus using proprietary financial databases and algorithms that evaluate thousands of data points.

What's the difference between invoice factoring and net terms financing?

Traditional invoice factoring typically involves selling your invoices at a discount (often a few percent per 30 days), and may require recourse if customers don't pay. Once you annualize those discounts and add fees, the effective cost can reach high double-digit APR. Resolve's net terms financing provides non-recourse advances at transparent flat fees (2.61-3.5%), maintains your customer relationships through white-labeled collections, and includes comprehensive AR automation—making it a modern alternative to factoring.

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.