eCapital Alternatives

While eCapital has established itself as a traditional invoice factoring provider, modern B2B companies are increasingly turning to superior alternatives that offer transparent pricing, AI-powered automation, and relationship-preserving customer experiences. Resolve leads this transformation with its 100% non-recourse financing model and comprehensive accounts receivable automation platform.

Key Takeaways

• 100% non-recourse financing eliminates risk: Resolve provides non-recourse financing with zero seller liability, advancing up to 90% on approved invoices while absorbing all credit risk
• White-label experience preserves relationships: Unlike eCapital's customer notification model, Resolve's branded payment portal ensures customers never know a third party is involved
• AI-powered AR automation saves significant time weekly: Resolve's full AR suite reduces manual work by 70–83% through automated collections, reminders, and reconciliation
• Transparent flat-fee pricing: Resolve charges a simple 2.61-3.5% flat fee for 30-day terms with no hidden costs, compared to eCapital's variable 1-5% structure
• Enterprise integrations enable seamless workflows: Resolve offers native bi-directional sync with QuickBooks, NetSuite, Oracle, Shopify, and BigCommerce
• Superior customer satisfaction: Resolve maintains strong positive reviews on G2 and Capterra, contrasting with eCapital's BBB complaints about poor service and contract disputes

1. Resolve — The Modern Alternative to Traditional Factoring

Resolve emerges as the premier eCapital alternative by fundamentally reimagining B2B payments through its "credit team on tap" approach. Founded by former PayPal and Amazon talent in 2019. Resolve combines embedded credit expertise, invoice financing, and payments into a single platform that serves hundreds of B2B merchants

Key Features:

• 100% non-recourse financing with zero merchant risk
• AI-powered credit decisions in seconds
• Net 30, 60, or 90-day payment terms
• Up to 90% advance payment within 24 hours
• Flat-fee pricing of 2.61-3.5% for 30-day terms
• White-label payment portal preserving merchant relationships
• Full AR automation with AI collections agents

Comprehensive Platform Capabilities:

Resolve's platform addresses the full B2B payment lifecycle, from initial credit assessment through final payment collection. The Business Credit Check service delivers instant, data-rich credit decisions using only a business name and address, with most approvals instant and complex cases done within 24 hours. This eliminates the weeks-long underwriting processes common with traditional factoring.

The Accounts Receivable platform with AI-powered automation streamlines the entire receivables workflow, automating payment reminders, collections management, and reconciliation across all invoice types. Automated workflows handle routine tasks while human experts manage escalations, reducing manual AR work by approximately 50% and saving businesses significant time weekly.

Resolve's B2B Payments Platform integrates seamlessly with existing tech stacks through native integrations with QuickBooks, NetSuite, Oracle, Xero, Shopify, BigCommerce, WooCommerce, and Magento. This bi-directional sync eliminates manual data entry and reduces reconciliation errors significantly.

Pricing Transparency:

• 2.61-3.5% flat fee for 30-day net terms
• No setup fees, monthly minimums, or hidden charges
• Credit card fees passed to buyers via online payment portal
• Custom pricing available for enterprise volumes
• Advance rates of 100%, 75%, or 50% based on buyer risk profile

Unlike eCapital's customer notification model that can damage merchant relationships, Resolve's white-label approach ensures customers interact exclusively with the merchant brand. This preserves trust while providing buyers with flexible payment options including ACH, wire, credit card, and check.

Resolve's non-recourse structure means merchants keep all advances even if buyers default, eliminating bad debt risk entirely. The platform's experts—formerly of Amazon, PayPal, and Fortune 500 firms—deliver deeper credit insights than traditional bureaus, enabling more accurate risk assessment and higher approval rates.

2. altLINE — Bank-Backed Stability with Lower Fees

altLINE represents the traditional factoring approach with bank backing and regulatory oversight. Operating as a division of The Southern Bank Company since 1936, altLINE offers FDIC-insured stability for businesses prioritizing institutional security over modern technology.

Traditional Factoring Model:

• Bank-affiliated with FDIC insurance
• Factoring fees as low as 0.5-3%
• Advance rates of 80-90%
• Setup fees typically range from $350-500
• Manual underwriting processes taking 1-2 business days
• Customer notification of factoring arrangement

Limited Technology Integration:

altLINE's traditional approach lacks the modern technology stack that defines platforms like Resolve. The company offers basic accounting software integration but no native ecommerce platform connections or AR automation capabilities. Businesses must manage collections and customer communications manually, creating additional operational overhead.

While altLINE's lower fee structure appeals to cost-conscious businesses, the 80-90% advance rates and setup fees reduce the effective working capital available. The manual processes also mean slower funding times (1-2 days vs. Resolve's 24 hours) and higher administrative burden.

altLINE serves businesses comfortable with traditional factoring relationships and prioritizing bank backing over technological innovation. However, companies seeking AR automation, customer relationship preservation, or seamless system integration will find modern alternatives more suitable.

3. FundThrough — Digital-First Platform with 100% Advances

FundThrough offers a digital-first approach to invoice financing, providing true 100% advances with spot factoring flexibility. Founded in 2014 and headquartered in Toronto, the platform caters to businesses needing immediate working capital without long-term contractual commitments.

Digital Platform Features:

• True 100% advance rate on invoices
• Spot factoring available without long-term contracts
• Digital platform with QuickBooks integration
• Next-day funding capability
• Standard recourse factoring model
• Fees ranging 2.2-8.25% based on risk

Limited Capabilities Compared to Resolve:

While FundThrough matches Resolve's 100% advance rate, it lacks the comprehensive AR automation suite that defines Resolve's platform. FundThrough offers basic digital functionality but no AI-powered collections, automated reminders, or white-label payment portal. The standard recourse model also means merchants retain credit risk on financed invoices.

FundThrough's fee structure can escalate significantly for higher-risk invoices, with rates reaching 8.25% compared to Resolve's transparent 2.61-3.5% flat fee. The limited integration ecosystem (primarily QuickBooks) also restricts seamless workflow automation for businesses using other ERP or ecommerce platforms.

FundThrough serves businesses prioritizing immediate capital access with spot factoring flexibility, but companies seeking comprehensive AR management, risk elimination, or customer relationship preservation will find Resolve's integrated platform more valuable.

4. Riviera Finance — Established Non-Recourse Specialist

Riviera Finance has been the established non-recourse factoring specialist, offering traditional factoring services with non-recourse options since 1969. The Purchase, NY-based company serves businesses seeking experienced factoring providers with proven track records.

Traditional Factoring Approach:

• Established factoring provider with 50+ years experience
• Non-recourse factoring available
• Advance rates up to 95%
• Fees typically range from approximately 1-5%
• Limited technology integration
• Customer notification of factoring arrangement
• Traditional underwriting processes

Operational Limitations:

Riviera Finance's traditional approach lacks the modern technology infrastructure that enables seamless B2B payment workflows. The company offers limited ERP integration and no native ecommerce platform connections. Businesses must manage collections manually and deal with customer notification of the factoring relationship.

While Riviera Finance provides non-recourse options like Resolve, the company's traditional processes result in slower funding times and higher administrative overhead. The variable fee structure also lacks the pricing transparency that Resolve's flat-fee model provides.

Riviera Finance serves businesses comfortable with traditional factoring relationships and prioritizing established track records over technological innovation. However, companies seeking AR automation, customer relationship preservation, or seamless system integration will find modern alternatives more suitable.

5. RTS Financial — Industry-Specific Factoring Solutions

RTS Financial specializes in industry-specific factoring solutions, particularly for the transportation and trucking sectors. Founded in 1995 and headquartered in Oklahoma City, the company offers tailored factoring programs for specific business verticals.

Specialized Factoring Services:

• Industry-specific programs (trucking, transportation)
• Same-day funding capability
• Traditional factoring model with customer notification
• Variable fee structure
• Limited technology integration
• Manual AR processes

Niche Market Focus:

RTS Financial's specialization in specific industries provides deep expertise for businesses in those sectors. However, this focus also means limited capabilities for general B2B companies seeking comprehensive payment solutions. The company lacks the modern technology stack, AR automation, and customer relationship preservation features that define platforms like Resolve.

RTS Financial serves businesses in specialized industries like trucking that require sector-specific factoring expertise. However, general B2B companies seeking integrated payment platforms with AR automation and customer relationship preservation will find Resolve's comprehensive approach more suitable.

Why Modern Businesses Are Switching from Traditional Factoring

The shift from traditional factoring providers like eCapital to modern platforms like Resolve reflects fundamental changes in B2B payment expectations. eCapital's BBB complaints about poor customer service, contract disputes, and unexpected fees highlight the limitations of traditional models.

Key Drivers of Platform Migration:

• Customer Relationship Preservation: Traditional factoring requires customer notification, potentially signaling financial distress. Resolve's white-label portal maintains merchant brand integrity throughout the payment process.
• Operational Efficiency: Traditional factoring creates manual AR overhead. Resolve's AI-powered automation reduces manual work significantly, lowering AR overhead.
• Risk Elimination: Traditional factoring often requires recourse agreements. Resolve's 100% non-recourse model eliminates all seller liability on approved invoices.
• Pricing Transparency: Traditional factoring uses complex fee structures. Resolve's flat-fee pricing provides predictable costs with no hidden charges.
• Technology Integration: Traditional factoring lacks modern integrations. Resolve's enterprise ecosystem enables seamless workflows across accounting, ERP, and ecommerce platforms.

Migration Success Patterns:

Businesses switching from eCapital to Resolve typically experience immediate improvements in customer satisfaction, operational efficiency, and cash flow predictability. The white-label approach eliminates customer confusion about payment processes, while the AR automation suite reduces administrative burden and accelerates collections.

Resolve's dedicated onboarding team facilitates smooth transitions, including technical integration assistance and customer communication support. The platform's API-driven architecture enables rapid migration with minimal data loss or business disruption.

Making the Right Choice for Your Business

When evaluating eCapital alternatives, consider your business priorities and operational requirements:

By Business Needs:

• Customer relationship preservation: Resolve (white-label portal, no customer notification)
• AR automation and efficiency: Resolve (AI-powered collections, significant manual work reduction)
• Risk elimination: Resolve (100% non-recourse on all approved accounts)
• Pricing transparency: Resolve (2.61-3.5% flat fee vs. variable structures)
• Technology integration: Resolve (native ERP/ecommerce platform connections)
• High-volume factoring: eCapital (substantial capacity, though with relationship trade-offs)

Total Cost of Ownership Comparison:

For a business processing $1.2M annually in invoices (10 invoices/month at $10,000 each):

• Resolve: Estimated $26,000-$37,000 annually (including AR automation value)
• eCapital: Estimated $15,000-$66,000+ annually (variable fees plus potential hidden costs)
• altLINE: Estimated $18,000-$48,000 annually (lower fees but setup costs and manual processes)
• FundThrough: Estimated $26,000-$36,000 annually (competitive fees but lacks AR automation value)

Resolve's TCO includes the value of AR automation (estimated at $5,000+/year in software costs) and eliminates hidden costs associated with eCapital's contract disputes and account holds.

Implementation Timeline:

• Resolve: 1-2 days (with existing integrations)
• eCapital: Varies (traditional onboarding processes)
• altLINE: 3-5 days (manual setup)
• FundThrough: 2-3 days (digital onboarding)
• Riviera Finance: 1-2 weeks (traditional processes)

For businesses seeking expert guidance on platform selection and implementation, Resolve's support team provides hands-on assistance through technical integration and operational optimization.

Frequently Asked Questions

How does Resolve's 'non-recourse' financing differ from traditional factoring offered by companies like eCapital?

Resolve's 100% non-recourse financing means merchants keep all advances even if buyers default, with Resolve absorbing all credit risk. Traditional factoring providers like eCapital typically offer recourse factoring as standard, requiring merchants to buy back unpaid invoices. While eCapital does offer non-recourse options, these come with higher fees and complex terms. Resolve includes non-recourse protection on all approved buyers as standard, eliminating bad debt risk entirely.

Can Resolve help my business offer net terms to customers without impacting my cash flow?

Yes, Resolve enables businesses to offer net terms while getting paid upfront. The platform advances up to 90% on approved invoices within 24 hours, so you receive immediate cash flow while customers get 30, 60, or 90 days to pay. Resolve manages the entire credit approval, underwriting, and collections process, allowing you to offer flexible payment terms without delaying cash flow or taking on credit risk.

What kind of integrations does Resolve offer with existing accounting and ecommerce platforms?

Resolve offers comprehensive integrations with leading platforms including QuickBooks, NetSuite, Oracle, Xero, Shopify, BigCommerce, WooCommerce, and Magento. These native connections enable bi-directional data sync, automated invoice creation, real-time payment reconciliation, and seamless workflow automation. Unlike traditional factoring providers that require manual data entry, Resolve's integrations eliminate errors and reduce reconciliation time significantly.

Is Resolve suitable for small businesses looking for an alternative to traditional loans?

Absolutely. Resolve serves businesses of all sizes, from startups to enterprises, with no minimum revenue requirements or personal guarantees. The platform provides working capital solutions that aren't loans, so they don't create debt obligations or affect credit scores. Small businesses benefit from Resolve's transparent pricing, fast approval process, and comprehensive AR automation that would otherwise require expensive software investments.

How quickly can Resolve approve a business for credit or advance on invoices?

Resolve delivers instant credit decisions using AI-powered underwriting, with most approvals completed in under 30 seconds. For more complex cases, the platform provides results within 24 business hours using only a business name and address. Once approved, advances are typically funded within 24 hours, compared to the days or weeks required by traditional factoring providers.

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.