ClearFund Solutions Alternatives

While ClearFund Solutions provides merchant cash advances with a 69% approval rate for general working capital, B2B businesses increasingly seek specialized solutions that offer risk-free net terms, accounts receivable automation, and transparent pricing. From Resolve's non-recourse financing to FundThrough's unlimited capacity, these seven alternatives deliver superior capabilities for businesses specifically focused on B2B commerce and invoice financing.

Key Takeaways

• Non-recourse financing eliminates credit risk: Resolve provides non-recourse financing on approved invoices, meaning you keep all payments regardless of customer default
• AR automation saves significant time: Modern platforms like Resolve can reduce manual AR work by an estimated 50-90%, saving approximately 14 hours per week
• Transparent flat pricing beats variable rates: Resolve offers predictable flat fees of approximately 2.61%-3.5% versus competitors' variable pricing that can reach 8.25% per invoice or 84% APR equivalent
• White-label experience preserves relationships: Resolve's branded payment portal ensures customers see your brand, not a third-party factor
• AI-powered credit decisions accelerate sales: Resolve delivers instant credit approvals versus days with traditional underwriting processes
• B2B-specific features matter: ClearFund lacks invoice financing, net terms, and AR automation that B2B businesses specifically need

1. Resolve — The Complete B2B Payments Platform

Resolve emerges as the premier ClearFund Solutions alternative by addressing the specific needs of B2B businesses with its comprehensive platform combining non-recourse financing, AR automation, and net terms in a single solution. Spun off from Affirm's B2B initiative in 2019, Resolve brings consumer fintech innovation to B2B commerce.

Key Features

• Non-recourse financing with zero merchant risk on approved invoices
• AI-powered Smart Credit delivering instant credit decisions
• Net 30, 60, or 90-day payment terms with flexible options
• Up to 100% advance payment within 24 hours
• Flat pricing of approximately 2.61%-3.5% with no hidden fees
• White-label payment portal supporting ACH, wire, credit card, and check
• Comprehensive AR automation reducing manual work by an estimated 50-90%
• Seamless integrations with QuickBooks, NetSuite, Shopify, BigCommerce, and Oracle

Pricing Structure

• Approximately 2.61% for Net 30 terms with standard risk profiles
• Up to approximately 3.5% for Net 30 terms with 100% advance
• Custom pricing for enterprise volumes and extended terms
• No setup fees, monthly minimums, or hidden charges
• Credit card fees passed to buyers

The platform's AI-powered automation streamlines the entire credit-to-cash workflow, from instant credit checks to automated payment reminders and reconciliation. Unlike ClearFund's general working capital approach, Resolve specifically addresses B2B pain points: AR automation savings of around 50%, average 7-day DSO improvement, and complete credit risk elimination.

Why B2B Businesses Choose Resolve

The B2B payments landscape has evolved significantly in 2025, with AI-powered automation and non-recourse financing becoming essential for growing companies. According to the U.S. Small Business Administration, cash flow management remains one of the top challenges for small and medium-sized businesses, with payment delays creating significant operational constraints.

Industry research indicates the AR automation market is growing at over 30% CAGR, while 50% of B2B invoices remain overdue with an average 56-day wait—creating urgent demand for better solutions.

Resolve's B2B Net Terms solution enables businesses to offer competitive payment terms while getting paid upfront, driving a 38% increase in new buyer acquisition according to industry data. The platform currently serves over 12,000 businesses and has processed significant volume through backing from Initialized Capital and Commerce Ventures.

For businesses specifically seeking B2B payment solutions rather than general working capital, Resolve eliminates the need for multiple vendors (factor + AR software + credit insurance) while delivering superior economics and customer experience.

2. FundThrough — Unlimited Capacity for Large Portfolios

FundThrough represents the enterprise alternative for businesses with very large invoice portfolios or individual invoices exceeding typical limits. The Toronto-based platform specializes in spot factoring with unlimited funding capacity for qualified businesses.

Platform Capabilities

• Unlimited funding capacity for $10M+ portfolios
• 100% advance rates on individual invoices
• Spot factoring allowing selection of specific invoices to fund
• No hidden fees with transparent pricing
• Traditional factoring model with customer notification
• Collections support included
• API available for custom integrations

Variable Pricing Structure

• Approximately 2.2%-3% per 30 days for portfolios under $1M
• Around 2.2%-8.25% per invoice based on customer credit and terms
• Custom enterprise pricing for large portfolios
• No setup or monthly fees

FundThrough's strength lies in handling very large transactions and portfolios that exceed the capacity of other platforms. However, the traditional factoring model means customers are notified and pay FundThrough directly, potentially impacting merchant-customer relationships. The platform lacks the comprehensive AR automation and white-label experience that Resolve provides.

For businesses with established customer relationships who prioritize maximum funding capacity over customer experience, FundThrough offers a viable alternative to ClearFund's general working capital approach.

3. Fundbox — Fast Working Capital for SMBs

Fundbox occupies a distinct niche providing lines of credit from $1,000 to $250,000 for small businesses seeking quick working capital. Since 2013, the platform has deployed over $6 billion to 500,000+ businesses with minimal qualification requirements.

Speed and Accessibility

• 3-minute application process
• Next business day funding
• Credit lines up to $250,000
• Flexible draw structure with no obligation to use full amount
• No prepayment penalty
• Minimal requirements: $30K revenue, 3 months in business

Cost Structure

• Approximately 46.6%-84% APR equivalent based on usage
• Line of credit model with interest on drawn amounts
• Example: $10,000 draw could cost around $388-700+ depending on repayment term
• No AR automation or B2B-specific features

While Fundbox provides critical access to capital for businesses that traditional lenders overlook, the high effective costs make it less suitable for B2B invoice financing at scale. Unlike Resolve's flat pricing of approximately 2.61%-3.5%, Fundbox's variable APR structure can become prohibitively expensive for ongoing working capital needs.

For SMBs needing emergency working capital with minimal requirements, Fundbox offers speed and accessibility, but B2B businesses specifically seeking invoice financing will find Resolve's specialized platform more cost-effective and feature-rich.

4. Bill.com — AP/AR Workflow Automation

Bill.com takes a fundamentally different approach by focusing on accounts payable and receivable workflow automation rather than invoice financing. The publicly traded company serves over 493,800 business customers with comprehensive financial operations software.

Workflow Strengths

• Automated invoice processing with OCR technology
• Customizable approval workflows
• Two-way sync with QuickBooks and Xero
• Payment processing for multiple methods
• Mobile app for on-the-go approvals
• Strong accounting firm partnerships
• Comprehensive AP automation alongside AR

Subscription Pricing

• Approximately $45-79 per user per month depending on tier
• Additional transaction fees for payment processing
• Enterprise plans available with custom pricing
• No financing or advance payment capabilities

Bill.com excels at streamlining financial operations but doesn't address the core need for invoice financing and net terms that B2B businesses require. Companies seeking to automate workflows while maintaining separate financing arrangements may find Bill.com complementary to Resolve's financing capabilities.

For businesses prioritizing operational efficiency over working capital solutions, Bill.com offers mature AP/AR automation, but those needing both automation and financing will benefit more from Resolve's integrated platform.

5. Bluevine — Business Banking with Credit Options

Bluevine combines business banking services with credit products, offering a hybrid approach that includes checking accounts and credit lines. Founded in 2013, the platform serves SMBs with integrated financial services.

Integrated Services

• Business checking accounts with no monthly fees
• Credit lines up to $250,000
• Automated payment reminders
• QuickBooks integration
• Mobile banking app
• Partnerships with invoice factoring providers

Pricing Structure

• Approximately 15%-49% APR for credit lines
• Around $4.95/month for checking account (waived with $500 minimum balance)
• Factoring services available through partner FundThrough (Bluevine sold its factoring division in 2022)

Bluevine's integrated approach appeals to businesses seeking consolidated financial services. The platform focuses on banking and credit lines rather than invoice factoring, having transitioned from factoring to comprehensive business banking after selling its factoring division to FundThrough in 2022.

For businesses wanting banking and financing in one platform, Bluevine offers convenience, but those prioritizing B2B-specific invoice financing features will find Resolve's specialized approach more comprehensive.

6. Credibly — Alternative Lending with Multiple Products

Credibly provides various alternative lending products including business loans, lines of credit, and merchant cash advances. Founded in 2010, the New York-based company serves SMBs with flexible funding options.

Product Portfolio

• Business term loans up to $400,000
• Lines of credit up to $250,000
• Merchant cash advances
• Equipment financing
• Working capital loans
• Minimal documentation requirements
• Recourse funding model

Cost Structure

• Factor rates starting at approximately 1.15 (15% total cost)
• APR range of around 24%-99% depending on product
• Origination fees of approximately 0%-10%
• Daily or weekly repayment schedules
• Recourse model with personal guarantee typically required

Credibly's multiple product options provide flexibility, but the costs and recourse structure make it less suitable for B2B invoice financing. The platform's focus on general working capital rather than B2B-specific features limits its appeal for businesses seeking net terms and AR automation.

For businesses needing various financing options with minimal requirements, Credibly offers accessibility, but B2B companies specifically seeking invoice financing will benefit more from Resolve's transparent pricing and non-recourse model.

7. Lendio — Loan Marketplace for SMBs

Lendio operates as a loan marketplace connecting SMBs with over 75 lenders rather than providing direct financing. Founded in 2011, the platform helps businesses compare multiple loan options through a single application.

Marketplace Model

• Single application to multiple lenders
• Loan types: term loans, SBA loans, lines of credit, equipment financing
• 40% of small businesses applied for business lines of credit in 2024
• No direct financing or invoice factoring
• No AR automation or B2B-specific features
• Recourse funding through partner lenders

Pricing Variability

• APR range of approximately 6%-99% depending on lender and product
• Origination fees of around 1%-10%
• Varying terms from 3 months to 25 years
• No standardized pricing due to marketplace model

Lendio's marketplace approach provides access to multiple lenders but lacks the specialized B2B features that Resolve offers. The platform doesn't provide direct invoice financing, AR automation, or net terms capabilities that B2B businesses specifically need.

For businesses wanting to shop multiple lenders for general working capital, Lendio offers convenience, but those seeking specialized B2B payment solutions will find Resolve's integrated platform more effective.

Understanding B2B Payment Trends

The shift toward modern B2B payment solutions reflects broader changes in business operations and buyer expectations. The Federal Reserve has emphasized the importance of efficient payment systems for economic growth, noting that delayed payments create ripple effects throughout supply chains and impact overall business liquidity.

According to U.S. Treasury Department research on payment modernization, B2B buyers increasingly expect flexible payment terms similar to consumer experiences. Companies offering net terms report higher conversion rates, larger average order values, and stronger customer retention. However, traditional approaches to extending credit create cash flow challenges that can constrain growth.

Research shows that businesses offering net terms see a 38% increase in new buyer acquisition and larger average order values. The challenge has always been managing the cash flow gap between extending terms and receiving payment. This is where specialized B2B payment platforms provide value by combining financing with automation and risk management.

When to Choose Each Alternative

For B2B companies evaluating ClearFund Solutions alternatives, the choice depends on your specific business needs, scale, and priorities:

By Business Focus

• B2B sellers wanting net terms + upfront cash: Resolve (complete platform with non-recourse protection)
• Businesses with $10M+ invoice portfolios: FundThrough (unlimited capacity)
• SMBs needing quick general working capital: Fundbox (easy qualification, fast access)
• Companies prioritizing AP/AR workflow: Bill.com (comprehensive automation)
• Businesses wanting integrated banking: Bluevine (checking + credit products)

Cost Comparison for $500K Annual Invoice Volume

• Resolve: Approximately $13,050-$17,500 annually (2.61%-3.5% flat)
• FundThrough: Around $11,000-$41,250 annually (2.2%-8.25% variable)
• Fundbox: Approximately $75,000-$420,000 annually (46.6%-84% APR equivalent)
• ClearFund: Not disclosed (MCA models typically vary widely)

Implementation Timeline

• Resolve: 3-7 days with existing integrations
• Fundbox: Same day to next business day
• FundThrough: 1-3 days
• Bill.com: 1-2 weeks
• ClearFund: Varies based on product

For B2B businesses specifically, Resolve's combination of non-recourse financing, AR automation, and transparent pricing delivers a comprehensive solution for managing B2B payments, credit risk, and cash flow.

Frequently Asked Questions

How does Resolve's AI automation compare to other AR solutions?

Resolve's AI-powered platform can reduce manual AR work by an estimated 50-90%, saving approximately 14 hours per week compared to traditional manual processes. The platform uses LLM-powered workflows to automatically sync transactions, send payment reminders, and reconcile payments across multiple payment methods including ACH, wire, credit card, and check. Unlike basic automation tools, Resolve's system integrates credit decisions, invoicing, and collections into a single workflow, eliminating the need for separate systems.

What are the benefits of net terms through Resolve?

For sellers, Resolve provides up to 100% advance within 24 hours while taking on all credit risk through non-recourse financing. This eliminates bad debt exposure and accelerates cash flow without straining customer relationships. For buyers, Resolve enables 0% interest net terms of 30-60 days with flexible payment options through a professional, branded portal. According to industry data, businesses offering net terms see a 38% increase in new buyer acquisition and larger average order values.

Is Resolve's invoice advancement truly non-recourse?

Yes, Resolve offers non-recourse financing on approved, non-disputed invoices. This means you keep all payments regardless of whether your customer pays, defaults, or disputes the invoice (disputes are handled separately). Unlike recourse factoring or traditional lending, Resolve assumes all credit risk for approved invoices, eliminating bad debt exposure for your business. This non-recourse protection is included in Resolve's flat fee structure with no additional charges.

How does Resolve integrate with existing platforms?

Resolve offers seamless integrations with leading platforms including QuickBooks Online, NetSuite, Oracle, Shopify, BigCommerce, Magento, and WooCommerce. The platform automatically syncs transaction data in real-time, eliminating manual data entry and ensuring accurate financial records. For e-commerce businesses, Resolve's Net Terms for Ecommerce solution embeds credit approval and net terms directly into your checkout flow, enabling instant approvals for purchases up to $25,000.

How do Resolve's fees compare to traditional factoring?

Resolve offers transparent flat pricing of approximately 2.61%-3.5% for Net 30 terms, compared to traditional factoring's variable rates of around 2.2%-8.25% per invoice (FundThrough) or equivalent APRs of 46.6%-84% (Fundbox). More importantly, Resolve's non-recourse model includes credit risk transfer and AR automation in the flat fee, while traditional factoring often charges separate fees for credit insurance, collections, and account management. For a $10,000 invoice, Resolve costs approximately $261-$350 versus potentially $220-$825+ with variable competitors, plus additional risk and operational costs.

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.