While Expansion Capital Group offers fast working capital with flexible credit requirements, many B2B businesses are shifting to alternatives that can avoid piling on debt, cut financing costs, and deliver ongoing operational value—not just a one-time cash injection. As the Federal Reserve notes in its study on credit access and banking, finding affordable capital remains a persistent challenge for growing companies, especially those extending payment terms to business customers. Federal Reserve's study. As a result, companies are increasingly comparing debt-based funding (often with balance-sheet liabilities and personal guarantees) against modern payment infrastructure and non-recourse options—like Resolve—plus more traditional lenders, to find the best fit based on whether they need net terms support or general working capital.
Resolve fundamentally reimagines B2B financing by replacing recourse debt with a complete payment infrastructure platform that eliminates merchant risk while automating the entire accounts receivable lifecycle.
Key Differentiators:
Comprehensive Platform Features:
Resolve isn't just a financing provider—it's your complete B2B payments platform that integrates credit, payments, and liquidity into a single infrastructure. The platform's AR automation platform handles everything from credit assessment and invoicing to collections and reconciliation, freeing your team from manual AR tasks.
Unlike traditional lenders that create debt on your balance sheet, Resolve's non-recourse model means you never assume credit risk for your customers. When you offer net terms through Resolve, you get paid upfront while your customers maintain their preferred payment terms. This risk-free approach enables businesses to compete effectively with enterprise competitors while protecting cash flow.
The U.S. Small Business Administration emphasizes that effective working capital management directly impacts business survival rates. Resolve addresses this by transforming accounts receivable from a cash flow constraint into an accelerator—businesses receive immediate payment while customers enjoy flexible terms, creating a win-win dynamic that drives sustainable growth.
Pricing Transparency:
Real Business Impact:
Resolve serves over 15,000 B2B businesses with backing from Insight Partners through $25M in funding. Customer testimonials consistently highlight dramatic improvements: businesses report 90% reductions in AR workload, 50% higher average order values, and the ability to offer competitive net terms without absorbing bad debt risk.
The platform integrates seamlessly with leading ERP platforms including QuickBooks, NetSuite, Shopify, and BigCommerce, enabling two-way data synchronization that eliminates manual data entry and reconciliation errors. For B2B companies offering net terms, Resolve represents not just a financing alternative but a complete operational transformation that drives revenue growth while eliminating financial risk.
OnDeck represents the traditional lending approach with over 150,000 businesses funded since 2006. The platform offers term loans up to $250,000 and lines of credit up to $200,000 with same-day funding possible for qualified applicants.
Platform Strengths:
Cost Considerations:
While OnDeck provides reliable working capital for established businesses, it creates recourse debt that impacts your balance sheet and requires personal liability. The platform lacks AR automation, credit underwriting for your customers, or any operational value beyond the initial funding.
Bluevine offers lines of credit up to $250,000 with competitive pricing for businesses with strong credit profiles. The platform provides same-day funding possible and no prepayment penalties.
Key Features:
Limitations:
Bluevine represents a solid traditional lending option for businesses with excellent credit seeking general working capital, but it doesn't address the specific needs of B2B companies offering net terms to their customers.
Fora Financial specializes in larger working capital needs, offering funding up to $1.5 million—significantly higher than most competitors. The platform caters to businesses requiring substantial capital injections.
Platform Advantages:
Cost and Risk Factors:
Fora Financial serves businesses needing substantial capital beyond typical small business loan limits, but like other traditional lenders, it creates debt obligations without providing operational value or risk mitigation.
Fundbox caters to newer businesses with lower time-in-business requirements, accepting companies with just 3 months of operation compared to 6-12 months for most competitors.
Accessibility Features:
Pricing Structure:
Fundbox provides critical access to capital for newer businesses that might not qualify elsewhere, but the costs and recourse debt structure create financial burden without addressing operational inefficiencies in B2B payment processes.
Credibly has funded over $3 billion to 55,000+ businesses since 2010, offering a range of financing products including working capital loans, business expansion loans, and equipment financing.
Platform Scope:
Traditional Lending Limitations:
Credibly provides comprehensive lending options for established businesses but operates within the traditional debt financing model without the operational transformation offered by modern payment platforms.
National Business Capital operates as a lending marketplace, connecting businesses with multiple funding sources to find the best match for their specific needs.
Marketplace Benefits:
Structural Limitations:
The marketplace model provides access to diverse funding options but doesn't address the fundamental need for risk-free net terms financing or accounts receivable automation that B2B businesses require.
The choice between Expansion Capital Group alternatives depends on whether you need general working capital or B2B-specific payment infrastructure. According to the U.S. Chamber of Commerce Foundation, understanding your specific financing needs and cash flow patterns is essential before selecting a capital provider.
Evaluation Framework:
Start by analyzing your primary business challenge. If you're extending net terms to B2B customers and struggling with cash flow gaps, delayed payments, or bad debt risk, your needs differ fundamentally from businesses seeking general expansion capital. Companies offering net terms require solutions that address credit risk, payment collection, and receivables management—not just liquidity.
For B2B businesses with receivables, consider how financing integrates with your operations. Does the solution merely advance cash, or does it transform your entire order-to-cash process? Does it eliminate credit risk or transfer it to your balance sheet? Does it automate collections and reduce administrative burden, or create additional overhead?
Choose Resolve when you:
Choose traditional lenders when you:
Cost Reality Check:
For $100,000 in working capital needs, Resolve costs approximately $3,150-$3,500 in flat fees with zero risk, while Expansion Capital Group costs an estimated $20,000-$60,000 with full merchant liability. This 90%+ cost advantage, combined with operational automation and risk elimination, makes Resolve the superior choice for B2B companies offering net terms.
The decision ultimately centers on your business model. If receivables management and customer payment terms drive your cash flow challenges, payment infrastructure solutions like Resolve provide comprehensive answers. If you need capital for inventory, equipment, or expansion unrelated to customer invoicing, traditional lenders may better suit your needs.
Traditional expansion capital groups like ECG create recourse debt with factor rates of 1.2-1.6 (equivalent to estimated 25-40%+ APR), requiring personal guarantees and creating full merchant liability for repayment. Modern alternatives like Resolve offer non-recourse financing where the platform assumes all customer default risk, with transparent flat fees starting from approximately 3.15% to 3.5% and zero impact on your balance sheet. Additionally, Resolve provides complete AR automation and payment infrastructure, not just one-time funding.
For B2B startups offering net terms, Resolve evaluates your customers' creditworthiness, not your company's revenue or credit history. This means you can offer competitive payment terms to creditworthy buyers while getting paid upfront, effectively bypassing traditional lending requirements. Resolve's free credit checks require only your customer's business name and address, with decisions delivered within 24 hours.
Offering net terms increases customer purchasing power, drives 50% higher average order values, and builds buyer loyalty through repeat purchases. With Resolve, you provide this competitive advantage while eliminating the associated risk—Resolve pays upfront for approved invoices while your customers maintain their preferred payment terms. This transforms net terms from a cash flow burden into a growth funding mechanism that accelerates revenue without creating debt.
Resolve's AI-powered platform delivers instant credit decisions by analyzing thousands of data points beyond traditional credit scores, while AI agents automate workflows including payment reminders, collections, and reconciliation. This reduces manual AR workload by 90%, shrinks days sales outstanding to 1 day, and enables businesses to scale operations without proportionally increasing administrative overhead. The result is operational efficiency that directly supports sustainable growth.
Yes, but the type of invoice financing matters significantly. Traditional factoring creates recourse debt with estimated fees of 5-20% and loss of customer control. Resolve's non-recourse invoice financing eliminates merchant risk entirely, provides transparent flat fees starting from approximately 3.15% to 3.5%, maintains your customer relationships through white-label experiences, and includes complete AR automation. This makes it not just a viable alternative but a superior solution for B2B businesses seeking expansion capital through their existing invoice portfolio.
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.