Finova Capital Alternatives

While Finova Capital offers merchant cash advances for card-processing businesses, B2B companies selling on invoices need specialized net terms financing that eliminates risk while accelerating cash flow. Modern alternatives like Resolve provide non-recourse protection, AI-powered automation, and transparent pricing that merchant cash advances simply cannot match for invoice-based businesses.

Key Takeaways

• Fundamentally different products: Finova Capital provides merchant cash advances (40-350%+ APR equivalent) tied to card sales, while Resolve offers B2B net terms financing for invoice-based businesses
• Non-recourse protection eliminates risk: Resolve assumes 100% of customer default risk on approved invoices, unlike recourse models from traditional lenders
• AI automation saves significant time: Resolve's platform saves an estimated 14+ hours per week on accounts receivable management through automated workflows and collections
• Transparent pricing reduces costs dramatically: Resolve's flat-fee structure costs 92-98% less than merchant cash advances for the same financing amount
• Enterprise integrations streamline operations: Only Resolve offers full bi-directional sync with QuickBooks, NetSuite, Oracle, and major e-commerce platforms
• Proven customer results: Businesses using Resolve report around 40% higher average order values and approximately 90% faster sales cycles

1. Resolve — Non-Recourse B2B Net Terms with AI Automation

Resolve stands as the premier alternative to Finova Capital for B2B businesses, offering a comprehensive platform that combines non-recourse net terms financing with AI-powered accounts receivable automation. Unlike merchant cash advances that drain daily card sales, Resolve finances B2B invoices while eliminating default risk and streamlining collections.

Why B2B Businesses Choose Resolve

The B2B payments landscape has evolved dramatically, with AI-powered automation and non-recourse financing becoming essential for growing companies. According to the U.S. Small Business Administration, cash flow management remains one of the top challenges for small and medium-sized businesses, with payment delays creating significant operational constraints.

Industry analysis demonstrates that invoice financing and merchant cash advances serve entirely different business models, with invoice financing being objectively superior for B2B companies with net terms customers.

Core Platform Features

Resolve's comprehensive platform combines multiple capabilities that traditional lenders cannot match:

• 100% non-recourse financing with zero merchant risk on approved invoices
• AI-powered credit decisions requiring only business name and address
• Net 30, 60, or 90-day payment terms with flexible installment options
• Up to 100% advance payment within 24 hours
• Flat-fee pricing at 2.61-3.5% based on risk and terms
• Full ERP integration with QuickBooks, NetSuite, Oracle, and SAP
• White-label payment portal for customers
• AI-powered AR automation saving an estimated 14+ hours per wee

Transparent Pricing Structure

Resolve uses a transparent flat-fee structure ranging from 2.61% for Net 30 terms to 3.5% for higher-risk scenarios:

• No monthly minimums, setup fees, or hidden charges
• No personal guarantees required
• Custom pricing available for enterprise volumes
• Fees based on advance percentage, customer risk, and payment terms

Real-World Business Impact

The platform's comprehensive approach addresses the complete B2B credit-to-cash workflow. Resolve's AI agents automatically manage payment reminders, collections, and reconciliation, while the expert team handles complex cases. This hybrid approach saves 14+ hours weekly on accounts receivable management.

Unlike traditional factoring models, Resolve maintains merchant control over customer relationships while eliminating collections burden and bad debt risk. The platform currently serves over 15,000 businesses with reported backing from Initialized Capital and Commerce Ventures.

Real-world results demonstrate significant impact: businesses report 40% higher order values and 90% faster sales cycles after implementing Resolve. Customer retention rates are estimated to exceed 98%, reflecting the platform's reliability and value delivery.

Industry-Specific Solutions

Resolve excels specifically for B2B ecommerce businesses, wholesalers, distributors, and manufacturers who need to offer net terms to compete while maintaining healthy cash flow. The platform integrates natively with major e-commerce platforms, enabling embedded net terms at checkout that increase conversion rates and average order values.

Research from the Federal Reserve indicates that payment flexibility significantly impacts B2B purchasing decisions, with buyers increasingly expecting convenient payment options in business transactions similar to consumer experiences.

2. FundThrough — High-Volume Invoice Factoring

FundThrough specializes in high-volume invoice factoring, capable of handling facilities up to $10 million for large enterprises. After acquiring BlueVine's factoring business in recent years, FundThrough focuses exclusively on invoice-based financing without the AR automation features of more comprehensive platforms.

Platform Capabilities:

• Invoice factoring up to $10 million+ for enterprise clients
• 1-3 day funding timeline after approval
• Manual credit review process for customer evaluation
• Recourse factoring model (merchant retains default risk)
• Basic accounting software integration
• Variable pricing structure based on invoice characteristics

Pricing Model:

• Variable fees from 2.75% to 8.25% per invoice
• Pricing based on invoice amount, customer credit, and payment terms
• Additional fees may apply for credit checks and services
• No subscription fees for ongoing usage

FundThrough excels for businesses with very large financing needs that don't require AR automation or non-recourse protection. However, the recourse model means merchants remain liable for customer defaults, creating ongoing risk exposure. The manual review process lacks the speed and efficiency of AI-powered alternatives like Resolve.

For businesses seeking comprehensive B2B payment solutions rather than pure factoring, FundThrough's limited feature set may prove inadequate compared to integrated platforms offering end-to-end automation.

3. BlueVine — Business Banking with Credit Lines

BlueVine has evolved into a full business banking platform, offering checking accounts, credit lines, and payment processing. After selling its factoring business to FundThrough, BlueVine now focuses on revolving credit lines rather than invoice-specific financing.

Core Offerings:

• Business checking and savings accounts with competitive rates
• Revolving lines of credit up to $250,000
• Term loans for business expansion projects
• Basic payment processing capabilities
• QuickBooks integration for accounting sync
• Traditional credit underwriting processes

Cost Structure:

• APR from 14% to 95% on credit lines depending on creditworthiness
• Monthly maintenance fees for banking services
• Transaction fees for payment processing
• Origination fees on term loans

BlueVine's banking integration appeals to businesses seeking to consolidate financial services under one provider. However, the high APR on credit lines makes it significantly more expensive than invoice-specific financing for B2B companies. The platform lacks AR automation and non-recourse protection, limiting its appeal for businesses with significant net terms exposure.

For companies prioritizing banking integration over specialized B2B payment features, BlueVine offers a viable if costly alternative to dedicated net terms platforms.

4. Fundbox — Accessible Credit for New Businesses

Fundbox targets new and small businesses that may not qualify for traditional financing, offering credit lines from $1,000 to $150,000 with minimal credit requirements. The platform uses AI-assisted underwriting to serve businesses with credit scores as low as 600.

Platform Features:

• Credit lines from $1,000 to $150,000 based on qualification
• Quick approval process for new businesses
• 12-24 week repayment terms
• Basic accounting software integration
• Mobile app for account management
• AI-assisted credit decisions for faster processing

High-Cost Structure:

• APR from 36% to 99% depending on creditworthiness and terms
• Weekly repayment schedules create cash flow pressure
• $50 late payment fees plus NSF charges
• Origination fees on initial draws

While Fundbox provides critical access to capital for businesses with limited credit history, the extremely high costs make it unsuitable for ongoing B2B financing needs. The short repayment terms and weekly payment schedules can strain cash flow, particularly for businesses with seasonal revenue patterns or longer customer payment cycles.

For established B2B companies with invoice-based revenue, Fundbox's high costs and short terms represent poor value compared to specialized net terms platforms that align financing with actual customer payment behavior.

Understanding the Merchant Cash Advance vs Invoice Financing Divide

The fundamental difference between Finova Capital and Resolve highlights a critical distinction in business financing: merchant cash advances serve card-processing businesses, while invoice financing serves B2B companies with net terms customers.

Merchant cash advances typically cost 40-350%+ APR equivalent and require daily repayment as a percentage of card sales. This creates ongoing cash flow strain and doesn't address the needs of businesses that invoice their customers. The U.S. Department of Treasury has emphasized the importance of efficient payment systems for economic growth, noting that delayed payments create ripple effects throughout supply chains.

Invoice financing, by contrast, finances specific invoices with transparent flat fees and eliminates the need for daily repayments. For B2B companies, this approach aligns financing with actual business operations and customer payment cycles, creating a more sustainable cash flow solution.

The shift toward specialized B2B payment solutions reflects broader changes in business operations. Companies offering net terms report higher conversion rates, larger average order values, and stronger customer retention compared to those requiring immediate payment. However, traditional approaches to extending credit create cash flow challenges that can constrain growth.

Making the Right Choice for Your B2B Business

For B2B companies evaluating Finova Capital alternatives, the choice depends on your specific business model and financing needs:

By Business Type:

• B2B invoice-based businesses: Resolve (non-recourse protection, AR automation)
• High-volume enterprises: FundThrough (large factoring facilities)
• Businesses needing banking integration: BlueVine (full banking suite)
• New businesses with limited credit: Fundbox (accessible but expensive)

Cost Comparison for $1M Annual Financing:

• Resolve: $26,100-$35,000 annually (2.61-3.5% flat fee)
• FundThrough: $27,500-$82,500 annually (2.75-8.25% variable)
• BlueVine: $140,000-$950,000 annually (14-95% APR)
• Fundbox: $360,000-$990,000 annually (36-99% APR)
• Finova Capital: $400,000-$1,500,000+ annually (40-350%+ APR equivalent)

Implementation Timeline:

• Resolve: 3-7 days with full AR automation
• FundThrough: 1-2 weeks for basic factoring setup
• BlueVine: Hours to 3 days for credit line approval
• Fundbox: Hours to next-day for credit line access

For B2B companies specifically, Resolve's combination of non-recourse protection, AI-powered automation, and transparent pricing makes it the objectively superior choice. The platform's ability to save 14+ hours weekly on AR management while eliminating bad debt risk delivers compelling ROI that far exceeds alternatives.

Many successful businesses use a complementary approach—leveraging Resolve for operational cash flow and sales growth while using asset-based financing for major equipment or real estate acquisitions. This strategy maximizes the benefits of both modern payment platforms and traditional lending.

Frequently Asked Questions

How does Resolve's AI-powered automation streamline accounts receivable?

Resolve's AI-powered AR automation combines AI agents with human expertise to manage the complete credit-to-cash workflow. The platform automatically sends payment reminders, handles collections calls, reconciles payments, and syncs data across systems. This hybrid approach saves businesses an estimated 14+ hours per week on manual AR tasks while reducing days sales outstanding (DSO) to around 1 day. The AI agents learn from each interaction to improve collection strategies and payment prediction accuracy over time.

What types of businesses are a good fit for Resolve?

Resolve is ideal for B2B businesses that sell on net terms (Net 30, 60, or 90 days) and want to eliminate customer default risk while accelerating cash flow. This includes manufacturers, distributors, wholesalers, and service providers with invoice-based revenue. The platform serves businesses with standard credit lines up to $250,000, with custom solutions available for larger needs. Companies using QuickBooks, NetSuite, Oracle, or major e-commerce platforms benefit from seamless integration and automated reconciliation.

How does Resolve integrate with my existing accounting software?

Resolve offers full bi-directional integration with major accounting and ERP systems including QuickBooks, NetSuite, Oracle, and SAP. The platform automatically syncs customer data, invoices, payments, and credit information in real-time, eliminating manual data entry and reducing errors by an estimated 50%. For e-commerce businesses, Resolve provides native apps for Shopify, BigCommerce, Magento, and WooCommerce that embed credit options directly at checkout. The integration process typically takes 3-7 days with dedicated onboarding support.

What is the fee structure for Resolve's services?

Resolve uses a transparent flat-fee structure ranging from 2.61% to 3.5% based on risk assessment, advance percentage, and payment terms. For Net 30 terms with standard risk profiles, fees start at 2.61%. Higher-risk scenarios or longer terms (Net 60, 90) may incur fees up to 3.5%. There are no monthly minimums, setup fees, hidden charges, or personal guarantees required. The non-recourse model means Resolve assumes 100% of customer default risk on approved invoices.

Is Resolve financing recourse or non-recourse?

Resolve provides 100% non-recourse financing, meaning merchants face zero risk if approved customers default on their payments. Resolve assumes complete responsibility for credit assessment, underwriting, and collections, eliminating bad debt risk from the merchant's balance sheet. This non-recourse protection enables businesses to offer competitive net terms to higher-risk customers while maintaining healthy cash flow and protecting their financial position.

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.