Crestmark Alternatives: 7 Best B2B Financing Solutions for 2025

While Crestmark Bank has served small and mid-sized businesses for nearly three decades with asset-based lending and factoring services, a new generation of B2B payment platforms is redefining what's possible. Modern alternatives like Resolve offer non-recourse financing, AI-powered underwriting, and complete accounts receivable automation—all without the high fees, hidden costs, and customer relationship damage that often accompany traditional factoring.

Key Takeaways

Significant cost savings: Resolve's flat 3.15% fee on net 30 terms compares favorably to traditional factoring's monthly rates of 1-5%, saving businesses thousands annually on substantial invoice volumes.
Zero risk with non-recourse financing: Resolve absorbs 100% of the credit risk, so you keep your advance even if your customer doesn't pay—unlike recourse factoring where you're on the hook.
Preserve customer relationships: White-label payment portals and invisible credit checks maintain your brand, avoiding the "financial distress" red flag that traditional factoring sends to customers.
Complete AR automation included: Beyond just financing, Resolve's platform reduces manual AR work significantly and integrates seamlessly with QuickBooks, NetSuite, and Shopify.
Sales growth enablement: Credit line visibility empowers your sales team to close larger deals by showing customers their available purchasing power upfront.
Flexible advance rates: Choose 50%, 75%, 90%, or 100% advances per invoice to optimize costs, unlike Crestmark's fixed 70-90% rates.

1. Resolve — The Modern Alternative to Traditional Factoring

Resolve stands as the premier Crestmark alternative by completely reimagining B2B financing as a growth engine rather than a last resort. Born from the same team that created Affirm's B2B division, Resolve combines non-recourse invoice advancement with a complete AR automation platform to eliminate both financial risk and manual workflow.

Key Features:

Non-recourse financing with zero merchant risk
Instant AI-powered credit decisions in minutes vs. days/weeks with manual underwriting
Net 30, 60, or 90-day terms to attract and retain customers
Up to 100% advance payment within one business day
Flexible advance rates (50%, 75%, 90%, or 100%) to optimize costs
Flat 3.15% fee on net 30 terms with 90% advance
White-label customer payment portal accepting ACH, wire, credit card, and check

Real-World Cost Savings:

For a $1,000 invoice with net 30 terms, Resolve's fee is just $31.50 (3.15%), compared to estimated traditional factoring fees that can range from 1-5% monthly. According to the U.S. Small Business Administration, traditional factoring costs vary significantly based on invoice volume, customer creditworthiness, and industry. For businesses processing significant monthly volumes, Resolve's transparent flat-rate pricing represents substantial cost advantages over time.

The platform's AI-powered automation reduces manual AR work significantly, while its integrated payment portal eliminates the need for separate payment processing systems. Recent customer success stories demonstrate the impact: Nandansons achieved 75% revenue growth after switching from traditional vendors, while Hyperikon consistently sees larger orders from customers using Resolve's net terms options.

Unlike many recourse factoring arrangements, Resolve's non-recourse structure means you never have to repay advances—even if customers default. The platform also preserves your customer relationships through white-label experiences, avoiding the aggressive collections tactics that often damage business partnerships in traditional factoring. With backing from Initialized Capital and Commerce Ventures, Resolve currently serves over 12,000 businesses across manufacturing, distribution, and wholesale sectors.

2. FundThrough — Spot Factoring with Speed

FundThrough represents a modern take on traditional factoring, offering same-day funding and invoice-by-invoice flexibility without long-term contracts. Founded in 2014, the platform has provided over $1 billion in funding to small and mid-sized businesses seeking quick access to working capital.

Platform Strengths:

Same-day or next-day funding for approved invoices
No long-term contracts—factor individual invoices as needed
Accepts businesses with as little as 3 months of operations
$1,000 to $5 million in funding capacity
QuickBooks integration for seamless data flow

Pricing Considerations:

Fees range from 1.5% to 5% per invoice
Higher rates for same-day funding vs. next-day
No monthly minimums or setup fees
Recourse-based financing (you're responsible if customers don't pay)

While FundThrough improves on traditional factoring's speed and flexibility, it still operates on a recourse model that transfers collection responsibility to the factor. The platform lacks Resolve's complete AR automation and non-recourse protection, making it better suited for businesses needing occasional spot factoring rather than a comprehensive payment solution.

3. eCapital — AI-Powered Traditional Factoring

eCapital blends traditional factoring with modern technology, offering same-day funding and AI-powered underwriting for businesses that still prefer the factoring model. Founded in 2006, the company serves various industries including transportation, staffing, and manufacturing.

Core Capabilities:

Same-day funding for approved invoices
Both recourse and non-recourse options available
$10,000 to $10 million in funding capacity
Industry-specific expertise in transportation and staffing
Online dashboard for account management

Fee Structure:

Rates from 1.5% to 4% per invoice
Additional fees for credit checks, wire transfers, and account maintenance
Monthly minimum volume requirements may apply
Non-recourse options carry higher fees

eCapital's AI technology improves approval speed compared to purely manual underwriting, but the platform still requires customer notification and takes over collections in traditional factoring arrangements. The company's focus on traditional factoring means it lacks Resolve's integrated AR automation and white-label customer experience.

4. Triumph Business Capital — Contract-Free Flexibility

Triumph Business Capital offers traditional factoring with a modern twist: no long-term contracts and flexible terms. Founded in 1991, the company emphasizes relationship-based service and industry expertise.

Key Features:

No long-term contracts required
70-90% advance rates on approved invoices
Industry specialization in transportation, staffing, and oilfield services
Fuel discount programs for transportation clients
Online account access and reporting

Cost Structure:

Discount rates from 1% to 5% monthly (estimated 12-60% annually)
Additional fees for credit checks, wire transfers, and account maintenance
Potential monthly minimum volume requirements
Recourse-based financing standard

While Triumph's contract-free approach offers more flexibility than some traditional factors, it still operates on a recourse model with customer notification requirements. The platform lacks modern features like AI-powered automation and integrated payment processing that newer alternatives provide.

5. Bluevine — Lines of Credit (with invoice factoring via partner FundThrough)

BlueVine provides both invoice factoring and business lines of credit, appealing to businesses that want multiple financing options in one platform. Founded in 2013, the company has established itself as a digital alternative to traditional banks.

Service Offerings:

Invoice factoring with 90% advance rates
Business lines of credit up to $250,000
Term loans up to $250,000
QuickBooks integration for automated data flow
Online application and approval process

Pricing Details:

Factoring fees from 0.5% to 2.5% weekly (estimated 26-130% annually)
Line of credit APRs from 13.9% to 78%
Term loan APRs from 13.9% to 78%
Recourse-based factoring standard

BlueVine's digital approach improves accessibility compared to traditional banks, but its factoring product still carries recourse risk. The company's focus on multiple product lines means it doesn't specialize in B2B net terms financing like Resolve does.

6. Fundbox — Working Capital Lines for Small Business

Fundbox specializes in working capital lines of credit for small businesses, offering an alternative to invoice factoring altogether. Since 2013, the platform has provided over $6 billion in funding to more than 500,000 businesses.

Platform Highlights:

Credit lines from $1,000 to $150,000
Instant decisions with next-day funding
12, 24, or 52-week repayment terms
No personal guarantee required for qualified businesses
Integration with accounting software

Cost Considerations:

Fees starting around 4.66% for 12-week plans (estimated 35%+ effective APR)
Higher costs for shorter repayment terms
$50 late payment fees plus NSF charges
Not invoice-specific financing

Fundbox serves a different market need than invoice factoring—providing general working capital rather than invoice-specific advances. While this approach works for some businesses, it doesn't address the specific B2B payment and AR automation challenges that comprehensive platforms solve.

7. Now Corp — Proven Track Record in Payment Acceleration

Now Corp offers a mature alternative to traditional factoring with a 14-year track record and over $1 billion in processed invoices. Co-founded by political leader Stacey Abrams, the platform focuses on supporting diverse and underserved businesses.

Key Features:

Payment in 2 business days vs. traditional 90-120 day cycles
100% non-recourse financing with zero merchant liability
Automated accounts receivable management
QuickBooks Online integration
Specialization in B2B and B2G (business-to-government) transactions

Pricing Structure:

Transaction fees from 3% to 5% per invoice
$5 per invoice for AR management only
No setup fees or monthly minimums
Off-balance-sheet transactions

Now Corp's "payment solution, not finance solution" approach aligns with modern payment acceleration philosophies. However, the platform offers different feature sets and pricing structures compared to comprehensive B2B payment platforms like Resolve.

The Clear Winner for Modern B2B Businesses

The B2B financing landscape has evolved significantly since Crestmark's founding in 1996. According to CB Insights, traditional factoring companies offer recourse-based financing with fee structures that can be complex and variable. In contrast, modern platforms leverage AI and embedded finance to deliver transparent, risk-optimized solutions that accelerate growth rather than just patch cash flow gaps.

While traditional factoring companies like Crestmark served their purpose in previous decades, modern B2B businesses benefit from solutions that combine risk-free financing with operational efficiency. Resolve's platform delivers both through its non-recourse model, AI-powered automation, and customer relationship preservation.

The fundamental difference between traditional factoring and modern B2B payment platforms lies in risk allocation and customer experience. Traditional factors often assume control of customer relationships and may pass default risk back to merchants through recourse arrangements. Modern platforms like Resolve maintain merchant control while absorbing credit risk.

The cost difference can be substantial. While traditional factors may charge monthly fees ranging from 1-5%, Resolve's transparent flat-rate pricing of 3.15% represents a predictable, competitive alternative. For businesses processing $100,000 monthly in invoices, transparent pricing structures eliminate surprises and enable better financial planning.

Beyond cost and risk, Resolve's integrated AR automation platform reduces manual work, integrates seamlessly with existing systems, and empowers sales teams with credit line visibility to drive growth. This comprehensive approach makes Resolve not just a financing alternative, but a complete B2B payment and growth platform.

Frequently Asked Questions

What are the main differences between traditional invoice factoring and modern B2B payment platforms like Resolve?

Traditional invoice factoring like Crestmark's model typically involves recourse financing where you remain liable if customers don't pay, requires customer notification that can damage relationships, and may have complex fee structures. Modern platforms like Resolve offer non-recourse financing, maintain your customer relationships through white-label experiences, and provide transparent flat-rate pricing around 3.15%. Additionally, Resolve includes complete AR automation that reduces manual work significantly, while traditional factoring offers primarily financing without operational benefits.

How can offering net terms to my customers help my business grow?

Offering net terms increases customer purchasing power, leading to larger orders and repeat business. According to Resolve's customer data, businesses can see significant sales growth after implementing net terms programs. Customers prefer the flexibility of paying later rather than requiring upfront payment, making your business more competitive. Resolve's platform enables you to offer net 30, 60, or 90-day terms while getting paid upfront, so you can grow sales without sacrificing cash flow or taking on credit risk.

Is Resolve's invoice advancement a loan, and is it recourse or non-recourse?

Resolve's invoice advancement is not a loan—it's non-recourse financing, meaning you never have to repay the advance even if your customer doesn't pay. As stated in Resolve's compliance documentation, all cash advances are non-recourse so what you get is always yours to keep. This differs fundamentally from traditional factoring and bank loans, where you remain liable for repayment regardless of customer payment. Resolve assumes 100% of the credit risk, protecting your business from customer defaults.

What industries does Resolve serve?

Resolve serves a wide range of B2B industries, with particular strength in manufacturing, distribution, wholesale, and e-commerce sectors. The platform's flexible terms and automation capabilities work well for businesses selling to other businesses with invoice-based transactions. Whether you're selling physical products, materials, or supplies to business customers, Resolve's net terms and financing solutions can help accelerate growth while maintaining healthy cash flow.

How quickly can I get approved and funded with Resolve?

Resolve offers instant AI-powered credit decisions in minutes rather than the days or weeks typical of traditional factoring. Once approved, you can receive up to 100% advance payment within one business day. This speed advantage allows you to respond quickly to customer orders and growth opportunities without waiting for traditional underwriting processes. The platform's technology evaluates creditworthiness automatically, streamlining what used to be a lengthy manual process.

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.