Clearco Alternatives: 7 Better Options for B2B Net Terms Financing

While Clearco has deployed over $3 billion to 10,000+ eCommerce businesses, B2B companies are discovering superior alternatives that offer non-recourse financing, transparent pricing, and integrated accounts receivable automation. From Resolve's risk-free net terms to Capchase's SaaS specialization, these seven platforms deliver the working capital solutions businesses need without the high fees and limited functionality of revenue-based financing models.

Key Takeaways

Non-recourse financing eliminates seller risk: Resolve provides 100% non-recourse financing with zero merchant liability if buyers default, unlike Clearco's revenue-share model
37% lower fees save capital: Resolve's transparent fees as low as 3.15% for 30-day terms versus Clearco's 5-8% structure means $3,150 vs $5,000 on a $100,000 invoice
Integrated AR automation streamlines operations: Only Resolve combines financing with AI-powered AR automation, significantly reducing manual workload
B2B specialization beats generic models: Clearco targets eCommerce DTC brands, while Resolve is purpose-built for B2B manufacturers and distributors needing net 30/60/90 terms
AI-powered credit decisions accelerate sales: Resolve's Smart Credit Engine delivers buyer credit assessments in hours, not days, enabling instant approvals
White-label solutions preserve relationships: Resolve's branded payment portal maintains your customer relationships while handling all collections and risk

1. Resolve — The Complete B2B Net Terms Solution with Zero Risk

Resolve emerges as the premier Clearco alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Founded in 2019 by former Affirm executives and backed by investors including Insight Partners, Initialized Capital, and Affirm co-founder Max Levchin, Resolve brings consumer fintech innovation specifically to B2B net terms financing.

Key Features:

Non-recourse financing with zero seller risk on defaults
Net 30/60/90 payment terms with flexible options
Up to 100% advance payment within 1-2 days
AI-powered credit decisions delivered in hours
Integrated AR automation with payment reminders
White-label payment portal accepting multiple payment methods
QuickBooks and NetSuite integration

Transparent Pricing Structure:

Fees as low as 3.15% for 30-day terms with risk-based pricing (vs Clearco's 5.00%)
No monthly minimums or setup fees
Credit card fees passed to buyer, not merchant
Custom pricing for enterprise volumes

The platform's AI-driven reconciliation significantly reduces manual AR workload, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating collections burden and default risk.

Resolve currently serves over 12,000 B2B businesses across manufacturing, distribution, and wholesale sectors. The platform's automation capabilities are designed to significantly reduce manual workload for AR teams, with meaningfully faster cash conversion cycles.

For B2B companies specifically, Resolve's free business credit checks and instant buyer approval capabilities address the fundamental need for net terms financing that Clearco simply cannot provide, as Clearco focuses exclusively on eCommerce DTC revenue-based advances.

The B2B financing landscape has evolved dramatically in 2025, with non-recourse invoice financing and AI-powered automation becoming essential for growing companies. While Clearco maintains its position in the eCommerce DTC space, alternatives stand out for their unique strengths and compelling value propositions across different business models.

Industry analysis confirms that B2B businesses require fundamentally different financing solutions than eCommerce brands, with net terms financing, buyer credit assessment, and accounts receivable management being critical capabilities that Clearco simply doesn't provide.

2. Capchase — SaaS Recurring Revenue Financing

Capchase specializes in financing for B2B SaaS companies with recurring revenue models, offering ARR-based advances rather than invoice-specific financing. Founded in 2020 and based in New York, Capchase has established itself as a leading alternative for software businesses needing growth capital.

Platform Strengths:

ARR-based financing for recurring revenue businesses
BNPL capabilities for software contract sales
Integration with Stripe, ChargeBee, and other SaaS billing platforms
24-48 hour funding timeline
No personal guarantees required
Fixed fee structure (5-12%)

Limitations for B2B Businesses:

Not suitable for traditional B2B invoicing models
SaaS-only focus excludes manufacturers and distributors
No accounts receivable automation capabilities
No buyer credit assessment or net terms management

Capchase excels for B2B SaaS companies that need to accelerate cash flow from annual contracts, but it doesn't address the core needs of traditional B2B businesses requiring net terms financing, AR automation, and buyer credit management. For non-SaaS B2B companies, Resolve's net terms platform provides comprehensive capabilities that Capchase doesn't offer.

3. Wayflyer — European eCommerce Financing

Wayflyer represents a strong alternative for European eCommerce businesses, with significant presence in the UK, Ireland, and continental Europe. Founded in 2019 and headquartered in Dublin, Wayflyer has funded over 5,000 businesses with a focus on omnichannel retail brands.

Key Capabilities:

Fixed installment financing options
Daily repayment flexibility tied to sales
Strong European market presence
eCommerce platform integrations (Shopify, Amazon)
Average 7% fee structure
Next-day funding for approved applications

Challenges for B2B Businesses:

Primarily focused on eCommerce DTC, not B2B
No net terms or AR automation capabilities
Daily repayment model can strain cash flow during slow periods
Limited applicability for traditional B2B invoicing

While Wayflyer serves European eCommerce brands well, it doesn't address the fundamental needs of B2B manufacturers and distributors. For businesses requiring B2B net terms with zero risk, Resolve provides comprehensive capabilities including non-recourse financing, AR automation, and buyer credit assessment.

4. SBA 7(a) Loans — Government-Backed Traditional Financing

SBA 7(a) loans represent the traditional alternative to revenue-based financing, offering government-backed loans with favorable terms for qualified small businesses. These loans provide up to $5 million in funding with terms up to 10 years for working capital needs.

Program Benefits:

Government guarantee reduces lender risk
Competitive interest rates (typically 6-11%)
Long repayment terms (up to 10 years)
No revenue-based repayment pressure
Can be used for multiple business purposes

Significant Limitations:

Lengthy application process (30-90 days)
Strict eligibility requirements (2+ years in business, strong credit)
Personal guarantees typically required
Collateral often needed
Not designed for rapid invoice financing or net terms

SBA loans serve an important role for established businesses seeking long-term capital, but they don't address the immediate cash flow needs created by net terms invoicing. For businesses needing to offer net terms while getting paid immediately, Resolve's platform provides instant solutions that SBA loans cannot match in speed or functionality.

5. Invoice Factoring — Traditional Receivables Financing

Traditional invoice factoring provides an alternative approach to managing accounts receivable, where businesses sell their invoices to a factoring company at a discount in exchange for immediate cash. This established method has been used by B2B companies for decades.

Factoring Characteristics:

Immediate cash for outstanding invoices
Typical advance rates of 70-90%
Factoring fees ranging from 1-5% monthly
Recourse and non-recourse options available
Can handle large invoice volumes

Critical Disadvantages:

Often requires 5-20% total fees for extended terms
Loss of customer relationship control in notification factoring
Lengthy contracts with monthly minimums
Complex fee structures with hidden charges
Limited technology integration capabilities

Modern platforms like Resolve offer alternatives to traditional factoring, providing transparent flat-rate pricing, maintaining customer relationships through white-label solutions, and integrating seamlessly with existing accounting systems. Resolve's fees starting as low as 3.15% for 30-day terms are significantly more competitive than traditional factoring's monthly fee structure.

6. Business Credit Cards — Short-Term Working Capital

Business credit cards provide accessible short-term working capital for qualified businesses, offering revolving credit lines with purchase protections and rewards programs. Major issuers like American Express, Chase, and Capital One offer business-focused products.

Card Advantages:

Immediate access to working capital
No impact on business equity
Purchase protections and rewards
Easy application for established businesses
Flexible usage across business expenses

Significant Constraints:

Limited credit lines (typically $10,000-$100,000)
High interest rates (15-25% APR)
Personal guarantees usually required
Not designed for B2B invoice financing
No net terms capabilities for customers

Business credit cards serve well for operational expenses but cannot address the core B2B challenge of offering net terms to customers while maintaining healthy cash flow. For businesses needing to provide payment terms while receiving immediate payment, Resolve delivers capabilities that credit cards cannot provide.

7. Equipment Financing — Asset-Backed Capital

Equipment financing offers specialized funding for business equipment purchases, using the equipment itself as collateral. This asset-based lending approach provides up to 100% financing for qualifying equipment with terms typically matching the asset's useful life.

Equipment Financing Benefits:

100% financing available for qualifying equipment
Terms matched to equipment useful life (2-7 years)
Preserves working capital for other needs
Potential tax advantages through depreciation
Fixed interest rates in many cases

Critical Limitations:

Restricted to equipment purchases only
Cannot finance general working capital needs
No capability to offer net terms to customers
Requires specific equipment as collateral
Not suitable for service-based businesses

While equipment financing serves an important niche for capital-intensive businesses, it doesn't address the fundamental cash flow challenges created by B2B net terms invoicing. For businesses needing comprehensive net terms management with AR automation, Resolve provides the integrated solution that equipment financing cannot offer.

The Clearco Alternative Decision Framework

Beyond these established alternatives, 2025 requires businesses to match their financing solution to their specific business model and needs.

Clearco vs. Resolve: Fundamental Differences

Clearco's revenue-based financing model is designed specifically for eCommerce DTC brands, providing advances against future sales revenue with weekly repayment obligations. This model works well for businesses with consistent daily sales and marketing/inventory funding needs.

However, B2B businesses operate on fundamentally different principles, with:

Invoice-based transactions rather than daily sales
Net 30/60/90 payment terms as industry standard
Need for buyer credit assessment and management
Accounts receivable automation requirements
Requirement for non-recourse protection against buyer defaults

Resolve's platform addresses these B2B-specific needs with purpose-built functionality that Clearco doesn't provide. The result is estimated 37% lower financing costs and comprehensive risk elimination for B2B businesses.

AI-Powered Underwriting Transforms B2B Financing

According to industry research, businesses using AI-powered credit underwriting see faster approval rates while maintaining or reducing default rates. Resolve's Smart Credit Engine analyzes thousands of data points in real-time, delivering credit decisions in hours versus the days or weeks required by traditional underwriting.

This technology particularly benefits B2B businesses with established customer relationships, as Resolve can rapidly evaluate existing buyers and approve them for net terms financing based on payment history and business performance rather than just credit scores.

Choosing the Right Clearco Alternative for Your Business

For businesses evaluating Clearco alternatives, the choice depends on your business model, industry, and specific financing needs.

By Business Model:

B2B Manufacturers/Distributors: Resolve (non-recourse net terms, AR automation)
B2B SaaS Companies: Capchase (ARR-based financing)
eCommerce DTC Brands: Wayflyer (European) or traditional Clearco alternatives
Established Small Businesses: SBA loans (long-term, low-rate financing)
Equipment-Intensive Businesses: Equipment financing (asset-backed capital)

Cost Comparison for $100,000 Invoice (30-Day Terms):

Resolve: $3,150 (3.15% fee)
Clearco: $5,000 (5.00% for 4-month advance)
Traditional Factoring: $4,000-$8,000 (2-4% monthly fees)
SBA Loan: $500-$900 monthly interest (6-11% annual rate)
Business Credit Card: $1,250-$2,083 monthly interest (15-25% APR)

Implementation Timeline:

Same day: Resolve (with existing integrations)
1-2 days: Wayflyer (eCommerce platforms)
24-48 hours: Capchase (SaaS billing integration)
30-90 days: SBA loans (traditional underwriting)
1-7 days: Traditional factoring (contract negotiation)

For B2B companies specifically, Resolve's platform provides the most comprehensive solution, combining non-recourse financing, AR automation, and buyer credit management in a single integrated platform designed specifically for B2B commerce.

Frequently Asked Questions

What is the difference between Clearco and invoice factoring?

Clearco provides revenue-based financing for eCommerce DTC brands, advancing capital against future sales revenue with weekly repayment obligations. Invoice factoring involves selling outstanding B2B invoices to a third party at a discount for immediate cash. Clearco doesn't offer net terms financing or accounts receivable management, while factoring specifically addresses B2B invoice financing. Resolve combines advantages of both models with non-recourse invoice advances, AR automation, and transparent flat-rate pricing starting as low as 3.15% for 30-day terms.

Can I get business financing with no revenue?

Pre-revenue startups face significant challenges obtaining traditional business financing. Most lenders, including Clearco and Resolve, require established revenue streams or outstanding invoices to qualify. However, pre-revenue companies can explore SBA microloans (up to $50,000), business credit cards (with personal guarantees), or angel investment. For B2B businesses with initial sales but limited revenue history, Resolve's credit checks can help establish buyer creditworthiness even with limited company history.

How much do revenue-based financing alternatives cost compared to Clearco?

Clearco charges around 5-8% fees for typical advance periods, with 5.00% for 4-month advances and 8.00% for 6-month advances. Resolve offers estimated 37% lower costs with fees as low as 3.15% for 30-day net terms financing. Capchase charges 5-12% for SaaS ARR-based financing, while Wayflyer averages around 7% for eCommerce financing. Traditional invoice factoring costs 1-5% monthly, which can accumulate to 12-60% annually for extended terms, making Resolve's transparent flat-rate pricing significantly more competitive for B2B businesses.

What is non-recourse invoice financing?

Non-recourse invoice financing means the financing provider assumes 100% of the risk if your customer fails to pay the invoice. With Resolve's model, if your buyer defaults, Resolve absorbs the entire loss—you keep the advanced payment with zero liability. This eliminates the financial risk of offering net terms to customers. Traditional recourse factoring and revenue-based financing like Clearco's model don't provide this protection, leaving merchants responsible for customer defaults or requiring revenue-based repayment regardless of customer payment status.

How do B2B payment platforms help businesses offer net terms?

Modern B2B payment platforms like Resolve enable businesses to offer net 30/60/90 terms while receiving immediate payment. The platform underwrites your customers' creditworthiness, advances up to 100% of invoice value within 1-2 days, and handles all collections and risk management. This allows you to provide competitive payment terms that increase sales while maintaining healthy cash flow. Resolve's platform also provides AI-powered AR automation, white-label payment portals, and seamless accounting integration—capabilities that Clearco and other revenue-based financing platforms don't offer.

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.