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.
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.
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.
Resolve's comprehensive platform combines multiple capabilities that traditional lenders cannot match:
Resolve uses a transparent flat-fee structure ranging from 2.61% for Net 30 terms to 3.5% for higher-risk scenarios:
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.
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.
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.
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.
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.
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.
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.
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.
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.
For B2B companies evaluating Finova Capital alternatives, the choice depends on your specific business model and financing needs:
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.
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.
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.
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.
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.
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.