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.
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:
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.
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:
Pricing Considerations:
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.
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:
Fee Structure:
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.
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:
Cost Structure:
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.
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:
Pricing Details:
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.
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:
Cost Considerations:
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.
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:
Pricing Structure:
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 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.
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.
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.
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.
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.
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.