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.
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:
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:
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.
The U.S. Small Business Administration offers government-backed loan programs with favorable terms for qualified businesses seeking traditional financing alternatives.
Program Options:
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.
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:
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.
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:
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.
Women entrepreneurs have access to specialized financing programs designed to address historical lending gaps.
Available Resources:
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.
Peer-to-peer (P2P) lending platforms connect borrowers directly with individual or institutional investors, bypassing traditional banks.
Leading Platforms:
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.
Business credit cards provide revolving credit lines that can be useful for managing working capital and expenses.
Key Benefits:
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.
Traditional invoice factoring remains an option for B2B businesses seeking immediate cash flow, though modern alternatives offer significant advantages.
Factoring Characteristics:
Resolve vs. Traditional Factoring:
Resolve's modern alternative addresses these drawbacks:
The significantly lower total cost compared to traditional financing options makes Resolve an efficient, risk-free working capital solution for B2B businesses.
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:
The lower total cost demonstrates why B2B businesses are increasingly choosing modern embedded payment platforms over traditional lending models.
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.
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.
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.
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.
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.