Elevate Funding Alternatives

While Elevate Funding offers quick capital through revenue-based financing, B2B businesses are increasingly discovering superior alternatives that eliminate risk, reduce costs, and automate accounts receivable. From Resolve's non-recourse invoice financing to modern factoring platforms, these solutions address the same cash flow challenges without the high costs and daily payment obligations that can strain operations. According to the U.S. Small Business Administration, invoice financing and factoring are among the most accessible forms of working capital for small and medium-sized businesses, particularly those with consistent B2B sales. The Federal Reserve reports that small businesses increasingly seek alternatives to traditional bank loans, with invoice-based financing growing significantly year over year.

Key Takeaways

Non-recourse financing eliminates default risk: Resolve provides 100% non-recourse invoice financing, meaning merchants keep their advance even if a customer fails to pay, unlike recourse-based models that leave businesses fully exposed to credit risk.
Dramatically lower total cost: Resolve's transparent flat fees as low as 2.61% for Net 30 (qualified buyers) offer significant savings compared to revenue-based financing models with estimated costs that can exceed 50% APR.
No daily payment strain: Resolve advances funds against specific invoices with no daily or weekly ACH debits, preserving cash flow predictability unlike revenue-based repayment structures.
Complete AR automation included: Resolve's platform automates invoicing, payment reminders, collections, and reconciliation, reducing manual work by up to 90%—capabilities that extend far beyond basic capital advances.
Preserves customer relationships: Resolve's branded payment portal keeps your brand front-and-center while professionally managing the entire payment process.
B2B-specific design: Resolve is built exclusively for B2B commerce with net terms, integrated checkout, and buyer credit management, addressing the unique needs of business-to-business transactions.

1. Resolve — The Modern, Risk-Free Alternative to Elevate Funding

Resolve stands as the premier alternative to Elevate Funding by addressing the same cash flow needs through a fundamentally superior mechanism: non-recourse invoice financing with integrated AR automation. While Elevate provides lump-sum advances against future revenue with daily repayments, Resolve advances up to 100% on specific B2B invoices with a single, transparent fee and no recourse to the merchant.

Core Advantages Over Elevate Funding:

100% non-recourse financing eliminates merchant risk entirely
Transparent pricing as low as 2.61% for Net 30 (qualified buyers)
No daily or weekly ACH debits that strain cash flow predictability
Complete AR automation platform reduces manual work by up to 90%
White-labeled customer experience preserves brand relationships
B2B-specific design with net terms management and credit underwriting

Transparent Pricing Structure:

Fees starting at 3.15% for 30-day net terms with standard risk profiles
Up to 3.5% fee for 30-day terms with 100% advance
Advance rates of 90%, 75%, or 50% based on buyer risk assessment
No setup fees, monthly minimums, or hidden charges
Credit card fees passed directly to buyers through the payment portal

Resolve's platform transforms the entire B2B credit-to-cash cycle by combining what were previously disparate functions—credit assessment, invoice financing, payment processing, and collections—into a single, embedded solution. The proprietary AI underwriting engine delivers credit decisions can be near-instant for some buyers; others may take up to ~24 business hours, enabling businesses to offer net terms confidently while receiving payment within 1-2 days.

Unlike revenue-based financing models that require daily repayment regardless of actual cash flow, Resolve's invoice-specific approach aligns financing with actual business transactions. This structural difference eliminates the cash flow strain that many businesses experience with revenue-based models while providing significantly lower total cost of capital.

The accounts receivable automation component provides substantial operational value beyond simple financing. Businesses using Resolve report reducing manual AR tasks by up to 90% through automated invoice generation, customizable payment reminders, professional collections management, and seamless accounting system reconciliation. This comprehensive approach means finance teams can focus on strategic activities rather than chasing payments and manually updating spreadsheets.

Resolve currently serves over 12,000 B2B businesses across diverse industries, from wholesale distribution to manufacturing, with integrations for Shopify, BigCommerce, QuickBooks, and NetSuite. The platform's approach is particularly valuable for businesses that need sophisticated AR management alongside risk-free capital access, combining financing with operational efficiency improvements that compound over time.

2. FundThrough — High-Volume Invoice Factoring with Maximum Advances

FundThrough represents an alternative for businesses requiring high-volume invoice factoring with maximum advance rates. The platform processes invoices with advance rates up to 100% and next-business-day funding for approved invoices.

Platform Capabilities:

Advance rates up to 100% on approved invoices
Unlimited funding potential for qualified businesses
Next-business-day funding after invoice approval
QuickBooks and OpenInvoice integrations
Automated invoice processing and payment tracking

Cost Structure:

Discount rates around 2.75% for standard 30-day terms
No setup or monthly fees
Recourse-based financing where merchants bear default risk
Customers typically aware of third-party factor involvement

While Factoring can be recourse or non-recourse; confirm the terms in your agreement, meaning merchants remain liable if customers default. This risk exposure contrasts with Resolve's non-recourse model and represents a significant consideration for businesses evaluating total cost of ownership including potential bad debt exposure.

FundThrough works well for businesses with consistent, high-volume invoicing to creditworthy customers, though the recourse nature and potential customer relationship impact differ from platforms like Resolve that maintain white-labeled, merchant-branded payment experiences.

3. Capchase — Revenue-Based Financing for SaaS Companies

Capchase specializes in revenue-based financing specifically designed for B2B SaaS companies with recurring revenue models. Founded in 2020, the platform has emerged as a leader in the revenue-based financing space for technology businesses.

SaaS-Focused Features:

Non-dilutive financing based on recurring revenue
No personal guarantees or equity requirements
Flexible repayment aligned to monthly recurring revenue
Dedicated support for SaaS financial metrics
Integration with common SaaS billing platforms

Pricing Model:

Factor rates with estimated APR equivalents typically in the 20-40% range
No hidden fees or daily payment obligations
Custom pricing based on revenue quality and growth metrics
Minimum revenue thresholds apply

Capchase addresses a specific market segment with deeper SaaS expertise and more flexible repayment terms than generalized revenue-based financing. However, like all revenue-based financing, it carries higher total costs than invoice-specific solutions and doesn't provide AR automation or customer relationship management capabilities.

For SaaS companies specifically, Capchase offers a viable alternative tailored to recurring revenue models, though businesses should carefully evaluate total cost of capital compared to invoice-based financing options.

4. Clearco — Ecommerce-Focused Revenue-Based Financing

Clearco (formerly Clearbanc) pioneered the revenue-based financing model for ecommerce businesses, providing capital based on ad spend and sales performance. The platform offers an alternative for online retailers and DTC brands with significant digital marketing spend.

Ecommerce Specialization:

Capital based on ad performance and sales data
No personal guarantees or equity requirements
Integration with major ecommerce platforms and ad networks
Flexible repayment based on daily sales
Additional tools for ad optimization and analytics

Cost Structure:

Factor rates creating estimated APR equivalents ranging from 20% to over 50%
No hidden fees but higher total cost of capital than invoice financing
Minimum revenue and ad spend requirements
Primarily serves established ecommerce businesses

Clearco's ecommerce focus provides more relevant underwriting for online retailers with consistent sales velocity and ad spend, but the fundamental revenue-based model creates similar cost structures to other revenue-based financing providers. Businesses should carefully evaluate whether the cost of capital aligns with their growth strategy and profit margins.

5. Traditional Invoice Factoring — The Established Alternative

Traditional invoice factoring through established firms represents the conventional alternative to both revenue-based financing and modern platforms. With decades of operation, these firms provide invoice-specific financing but with some limitations compared to modern alternatives.

Traditional Factoring Characteristics:

Invoice-specific financing with 80-90% advance rates
Fees of 1-5% per 30 days plus additional charges
Typically recourse-based financing with merchant liability
Third-party collections that may impact customer relationships
Longer application and approval processes

Cost Considerations:

Base fees of 1-5% per 30-day period
Additional setup fees often ranging $350-500+
Monthly minimum volume requirements in many cases
Potential additional fees for wire transfers, credit checks, and administration

While traditional factoring provides invoice-specific financing, it typically comes with recourse risk, customer relationship considerations, and less transparent pricing compared to modern alternatives. Contemporary platforms have addressed many of these limitations while maintaining the invoice-specific approach that aligns financing with actual business transactions.

6. Lighter Capital — Revenue-Based Financing for Tech Companies

Lighter Capital offers revenue-based financing specifically for B2B technology companies, with a focus on SaaS, marketplaces, and tech-enabled services. Operating since 2010, the platform brings experience to the revenue-based financing space for technology businesses.

Tech Company Focus:

Financing based on recurring revenue and growth metrics
No personal guarantees or equity dilution
Flexible repayment terms aligned to business performance
Additional resources and networking for portfolio companies
Established track record in the technology sector

Pricing Structure:

Factor rates creating estimated APR equivalents in the 20-40% range
Minimum revenue requirements of $15K+ monthly
No hidden fees but higher total cost of capital than invoice-based alternatives
Custom pricing based on business model and metrics

Lighter Capital provides a more specialized alternative for technology companies with recurring revenue streams, but the fundamental revenue-based financing model creates higher costs than invoice-specific financing. Businesses should consider whether invoice financing might provide better terms for their specific situation.

Understanding Invoice Financing vs Revenue-Based Financing

The fundamental difference between invoice financing platforms like Resolve and revenue-based financing providers lies in the financing mechanism itself. Revenue-based financing provides lump-sum advances against future revenue with regular repayment obligations, while invoice financing advances funds against specific, approved B2B invoices with a single fee per invoice and no recourse to the merchant.

According to U.S. Census Bureau data, B2B transactions account for the majority of commercial activity in the United States, with businesses across industries extending payment terms to commercial customers. This business model creates the perfect environment for invoice financing, where capital needs align directly with specific transactions rather than general revenue projections.

This structural difference creates several advantages for invoice financing:

Risk Allocation: Non-recourse invoice financing means merchants keep their advance even if customers default, eliminating the credit risk that revenue-based financing and recourse factoring leave with the business. This risk transfer has real financial value, effectively eliminating potential bad debt costs of 1-3% of receivables that many B2B businesses experience.

Cost Transparency: Invoice financing with flat fees provides clear, predictable costs on a per-transaction basis. A 3.15% fee for 30-day terms creates an annualized cost of approximately 38%, which while significant, remains substantially lower than the estimated 50%+ effective rates common with some revenue-based financing models.

Cash Flow Alignment: Without daily or weekly ACH debits, invoice financing provides predictable cash flow that aligns with actual business operations rather than creating artificial repayment pressure. Businesses receive advances when they invoice customers and repay when customers pay, matching the natural business cycle.

Operational Value: Integrated AR automation platforms reduce manual work by up to 90% through automated invoicing, payment reminders, collections management, and reconciliation. This operational efficiency provides value beyond simple capital access, compounding benefits over time through reduced labor costs and faster collections.

Customer Experience: White-labeled payment portals maintain merchant brand control while handling collections professionally. Customers interact with the merchant's brand throughout the payment process, preserving relationships while benefiting from professional payment infrastructure.

For B2B businesses that have relied on revenue-based financing for quick capital access, invoice financing represents a natural evolution that addresses the same cash flow needs while eliminating significant drawbacks. The invoice-specific approach better aligns with how B2B businesses actually operate, matching financing to transactions rather than imposing arbitrary repayment schedules.

Making the Right Choice for Your Business

When evaluating alternatives to Elevate Funding, businesses should consider their specific needs, industry, and growth stage:

For B2B Companies with Net Terms: Resolve offers the most comprehensive solution, combining non-recourse invoice financing with integrated AR automation and transparent pricing.

For High-Volume Invoice Factoring: FundThrough provides high advance rates with competitive fees, though typically on a recourse basis with customer notification.

For SaaS Companies: Capchase and Lighter Capital offer specialized revenue-based financing for recurring revenue models, though at higher costs than invoice-specific alternatives.

For Ecommerce Businesses: Clearco provides ecommerce-focused underwriting based on sales and ad performance, but with the cost structure typical of revenue-based financing.

For Risk-Averse Businesses: Resolve's non-recourse model eliminates credit risk entirely, providing protection that revenue-based financing and recourse factoring cannot match.

The decision ultimately comes down to whether businesses prefer revenue-based financing with its regular repayment obligations, or the sophistication of modern invoice financing with its risk elimination, transparent costs, and operational benefits. For most B2B companies extending payment terms to customers, invoice financing aligns better with actual business operations while providing superior economics and risk protection.

Frequently Asked Questions

How does Resolve's non-recourse financing compare to Elevate Funding's revenue-based model?

Resolve's non-recourse invoice financing advances funds against specific, approved B2B invoices with a single, transparent fee as low as 2.61% for Net 30 (qualified buyers) and no merchant risk if customers default. Revenue-based financing provides lump-sum advances against future revenue with regular repayment obligations that can create cash flow strain. Resolve eliminates credit risk entirely while revenue-based models leave businesses fully exposed to customer defaults on top of repayment obligations.

Can I switch from Elevate Funding to Resolve without disrupting my business?

Yes, switching from revenue-based financing to Resolve is typically straightforward with minimal business disruption. Resolve performs rapid credit evaluations on your existing B2B customers, often approving established buyers within 24-48 hours based on payment history. Since Resolve finances specific invoices rather than providing lump-sum advances, there's no complex payoff process. Your customers experience minimal disruption—they receive notification of the new payment portal but maintain their existing payment terms and credit relationships.

What are the total cost savings of using Resolve instead of revenue-based financing?

The cost savings can be substantial. For a business processing $100,000 monthly in B2B invoices, Resolve's transparent flat fees starting at 3.15% translate to estimated annual costs of approximately $38,000-$42,000 depending on advance rates and terms. Revenue-based financing models can create estimated effective costs of 50%+ annually, resulting in costs of $50,000+ for the same capital access. Additionally, Resolve eliminates credit risk exposure that can add 1-3% in bad debt costs annually, providing further savings.

Does Resolve require extensive documentation?

Resolve actually requires less documentation than many revenue-based financing providers. Resolve needs only basic business information and customer details to perform credit checks, with credit decisions in minutes for qualified buyers. Revenue-based financing often requires comprehensive business financials, bank statements, and revenue documentation. Resolve's B2B focus means it evaluates buyer creditworthiness rather than requiring extensive merchant documentation.

How does Resolve's AR automation benefit my business beyond financing?

Resolve's AR automation reduces manual accounts receivable work by up to 90% through automated invoicing, payment reminders, collections management, and reconciliation. The platform integrates with your existing accounting systems like QuickBooks and automatically syncs all transactions, eliminating manual data entry. This operational efficiency provides significant time savings for finance teams while improving cash flow through professional collections management—all included in Resolve's transparent pricing structure.

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.