FinTap Alternatives

While FinTap has deployed $300 million to over 5,000 businesses since 2015, modern B2B companies increasingly seek alternatives that eliminate credit risk while providing instant cash flow and comprehensive automation. Resolve Pay emerges as the superior choice, offering a leading 100% non-recourse financing model combined with AI-powered accounts receivable automation and transparent flat-fee pricing.

Key Takeaways

• Non-recourse financing eliminates all risk: Resolve provides 100% non-recourse financing where merchants never lose money from customer defaults on approved invoices
• AI-powered credit decisions in seconds: Modern platforms deliver credit decisions in 10-30 seconds compared to traditional processes, with Resolve's proprietary AI models leading innovation
• Complete B2B payment stack: Resolve combines net terms, AR automation, and payment processing in one platform—eliminating the need for multiple vendors
• Transparent flat-fee pricing: Resolve offers fees around 2.61-3.5% on Net 30 terms with no hidden costs, unlike variable interest models
• Same-day funding with buyer flexibility: Get paid in 1-2 days while your buyers receive 30/60/90-day terms
• Seamless integration ecosystem: Resolve integrates with 10+ native platforms including QuickBooks, Shopify, and BigCommerce for automated reconciliation

1. Resolve Pay — The Complete B2B Payment Solution Without Risk

Resolve Pay stands as the premier FinTap alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Founded in 2019 by former Affirm executives who spun off the company to focus on B2B payments, Resolve brings consumer fintech innovation to B2B payments with a mission to enhance relationships while streamlining complex workflows.

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.

Independent industry research confirms that the average Days Sales Outstanding (DSO) for B2B companies is around 43 days, creating significant working capital constraints. Modern alternatives like Resolve address this gap by providing immediate cash flow while enabling businesses to offer competitive net terms to their customers.

Core Platform Features

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

• 100% non-recourse financing with zero merchant risk—all cash advances are yours to keep
• Instant credit decisions using proprietary AI models that evaluate thousands of data points in 10-30 seconds
• Net 30, 60, or 90-day terms tailored to each customer's needs
• Up to 100% advance payment within 1-2 business days on approved invoices
• Transparent flat-fee pricing with fees estimated around 2.61-3.5% on Net 30 terms based on risk assessment
• AR automation platform that reduces manual work by up to 90%
• White-label payment portal accepting ACH, credit card, wire, and check payments

Transparent Pricing Structure

Resolve's pricing model aligns with business growth rather than creating fixed debt obligations:

• Fees typically range around 2.61-3.5% on Net 30 terms with 100% advance—significantly more transparent than variable interest models
• No monthly minimums, setup fees, or hidden charges
• Credit card fees passed directly to buyers through the online payment portal
• Custom pricing available for enterprise volumes

Real-World Business Impact

Resolve's platform transforms the entire B2B payment lifecycle through its integrated approach. The B2B Payments Platform streamlines net terms, reconciliation, and invoicing with AI-powered automation built for scale. Unlike traditional financing solutions, Resolve manages the entire credit approval, underwriting, and collections process—allowing businesses to offer net terms and grow revenue while protecting cash flow.

The platform's AI-driven AR automation handles everything from invoice creation to payment reminders and reconciliation. Automated workflows ensure accuracy across all invoice structures—net terms, COD, or due upon receipt—while LLM-powered bookkeeping syncs transaction data in real time with accounting systems.

Resolve currently reports serving more than 15,000 businesses and announced $60M in asset + equity financing in 2021 and later raised an additional $25M equity round led by Insight Partners. Recent customer success stories demonstrate significant impact: Lift Foils scaled pre-season orders without taking on more risk, Archipelago tripled their revenue, and ConEquip grew their net terms program substantially.

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 ecommerce platforms including Shopify, BigCommerce, and WooCommerce, enabling embedded net terms at checkout that increase conversion rates and average order values.

2. BlueVine — Fast Funding for SMBs

BlueVine represents a solid alternative for small businesses needing quick working capital, having processed up to $5 million in invoices for thousands of SMBs since 2013. The platform offers multiple financial products including lines of credit, invoice factoring, and business checking accounts.

Platform Strengths:

• 5-minute credit decisions with 24-48 hour funding
• Credit lines up to $250,000 and invoice factoring up to $5 million
• Business checking account with no monthly fees
• Integration with QuickBooks and other accounting platforms
• Mobile app for on-the-go management

Considerations:

• Traditional factoring model creates some merchant liability
• Limited accounts receivable automation capabilities
• Pricing based on interest rates rather than transparent flat fees

While BlueVine provides fast access to capital, it offers a different approach compared to Resolve's comprehensive B2B payment solution. Businesses using BlueVine manage their own accounts receivable processes, while Resolve provides complete automation alongside financing.

3. Fundbox — Instant Credit Decisions for Cash Flow Gaps

Fundbox has served thousands of SMBs since 2013 with AI-powered lending decisions and quick funding. The platform specializes in providing credit lines from $1,000 to $150,000 for businesses facing short-term cash flow challenges.

Key Capabilities:

• Instant credit decisions with 1-2 day funding
• Credit lines up to $150,000
• Simple 3-minute application process
• Integration with accounting and business platforms
• No collateral requirements for most applicants

Pricing Structure:

• APR-based pricing that can reach up to approximately 80% on some products
• Fees amortized into weekly payments
• Lower maximum credit lines compared to other alternatives

Fundbox excels at providing quick capital for immediate needs but offers a different model than Resolve. Unlike Resolve's approach where buyers receive extended payment terms while merchants get paid immediately, Fundbox provides traditional business credit.

4. HighRadius — Enterprise AR Automation

HighRadius is a leader in the enterprise accounts receivable automation market. HighRadius reported processing over $2.23 trillion in annual receivables as of 2020 in annual receivables for Fortune 500 companies. The platform offers comprehensive order-to-cash automation with advanced AI capabilities.

Enterprise Features:

• Advanced AI-powered cash application with high matching accuracy
• Comprehensive dispute resolution workflows
• Deep ERP integrations with SAP, Oracle, and NetSuite
• Global compliance and multi-currency support
• Dedicated customer success management

Implementation Considerations:

• Enterprise pricing estimated at $150,000-$500,000+ annually
• 3-6 month implementation timeline
• No embedded financing component—merchants still wait 30-90 days for payment
• Complex setup requiring significant IT resources

HighRadius excels at AR automation for large enterprises but offers different capabilities than Resolve. While HighRadius helps manage receivables more efficiently, Resolve addresses both automation and cash flow through its advance payment model.

5. Versapay — Collaborative AR for Mid-Market

Versapay serves mid-market businesses with a cloud-native accounts receivable platform focused on customer collaboration. The platform processes significant transaction volume through its collaborative payment portal approach.

Platform Strengths:

• Collaborative customer portals for dispute resolution
• AI-powered cash application and reconciliation
• Multiple ERP integrations including QuickBooks and NetSuite
• Payment processing capabilities with ACH and credit card options
• Mid-market pricing estimated at $5,423-$33,000 annually

Limitations:

• No cash advance or financing component—merchants wait 30-90 days for payment
• Transaction fees add up quickly (around 1% ACH, 2.9% credit card)
• Implementation typically takes weeks to months
• Limited net terms financing capabilities

Versapay provides solid AR automation but requires pairing with a separate financing solution to address cash flow needs. The platform's collaborative approach improves customer communication while Resolve provides both automation and immediate cash flow.

Understanding B2B Payment Trends

The shift toward modern B2B payment solutions reflects broader changes in business operations. The Federal Reserve reports that payment flexibility significantly impacts B2B purchasing decisions, with buyers increasingly expecting the same convenient payment options in business transactions that they experience as consumers.

Research shows that B2B buyers increasingly expect flexible payment terms similar to consumer experiences. Companies offering net terms report higher conversion rates, larger average order values, and stronger customer retention. However, traditional approaches to extending credit create cash flow challenges that can constrain growth.

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. This is where modern platforms differentiate themselves—rather than simply providing loans that must be repaid regardless of customer behavior, non-recourse solutions transfer default risk away from sellers while maintaining cash flow stability.

Industry data suggests that businesses offering net terms through modern platforms see meaningful improvements in key metrics. Companies report average order value increases of around 30-40% when customers have access to flexible payment terms, while the ability to receive immediate payment prevents the cash flow constraints that typically accompany extended terms.

Making the Right Choice for Your Business

For B2B companies evaluating FinTap alternatives, the choice depends on your specific needs around risk management, cash flow timing, and automation requirements:

By Primary Need:

• Eliminate credit risk completely: Resolve Pay (100% non-recourse financing)
• Fast working capital access: BlueVine or Fundbox (traditional lending models)
• Enterprise AR automation: HighRadius (comprehensive automation platform)
• Mid-market AR collaboration: Versapay (collaborative automation)

Cost Comparison for $1M Monthly Processing:

• Resolve Pay: Estimated $26,100-$35,000 monthly (around 2.61-3.5% flat fee) with immediate cash flow and zero risk
• BlueVine: Estimated $40,000-$60,000 monthly (factoring rates) with some merchant risk
• Fundbox: Estimated $60,000-$80,000 monthly (high APR) with debt obligations
• HighRadius: Estimated $12,500-$41,667 monthly subscription plus implementation costs, but no immediate cash flow benefit
• Versapay: Estimated $452-$2,750 monthly subscription plus around $10,000 in transaction fees, but no immediate cash flow benefit

Implementation Timeline Reality Check:

• Resolve Pay: 2-4 weeks with dedicated onboarding support
• BlueVine: 1-2 weeks for basic setup
• Fundbox: 1-2 days for initial funding
• HighRadius: 3-6 months for full enterprise implementation
• Versapay: Several weeks to months depending on integration complexity

Resolve Pay's unique combination of risk elimination, immediate cash flow, transparent pricing, and comprehensive automation makes it a strong choice for B2B businesses seeking to grow sales while protecting their bottom line. The platform provides a complete solution that enhances customer relationships while ensuring predictable cash flow.

Frequently Asked Questions

How does Resolve's AI-powered platform streamline Accounts Receivable for B2B businesses?

Resolve's AR automation platform automates the entire net terms workflow from invoice to payment using agentic AI that handles invoicing, payment reminders, collections, and reconciliation end-to-end. The platform's LLM-powered workflows automatically sync transactions across systems, reducing manual work by up to 90% and cutting DSO from the industry average of around 43 days to approximately 1 day. AI agents manage payment reminders and reduce friction in collections, while automated reconciliation ensures accuracy across all invoice structures—net terms, COD, or due upon receipt.

Can Resolve integrate with my existing ecommerce platform and accounting software?

Yes, Resolve offers seamless integration with your existing tech stack through instant plug-ins and flexible APIs. The platform natively integrates with QuickBooks, NetSuite, Sage Intacct, Shopify, BigCommerce, WooCommerce, and Magento, enabling bi-directional sync that reduces manual work by up to 90%. Resolve's integration capabilities allow you to embed net terms directly into your existing ecommerce checkout flow while automatically syncing all transaction data to your accounting system for real-time bookkeeping.

What are the benefits of offering Net Terms to my customers through Resolve?

Offering net terms through Resolve can increase customer purchasing power by approximately 30-60%, drive around 40% higher average order values, and unlock more revenue through repeat purchases and larger orders. Resolve handles all credit assessment, underwriting, and collections—allowing you to enhance buyer loyalty without delaying your cash flow. You receive up to 100% advance payment within 1-2 days while your customers get flexible 30/60/90-day terms, creating a win-win scenario that strengthens business relationships while protecting your cash flow.

Is 'Advance Pay' truly non-recourse with Resolve, and what are the typical fees?

Yes, Resolve's Advance Pay is truly 100% non-recourse—all cash advances are yours to keep regardless of customer payment behavior on approved invoices. This means you face zero risk of losing money from customer defaults. Typical fees range around 2.61-3.5% on Net 30 terms with 100% advance, providing transparent, predictable pricing with no hidden costs. Higher risk customers may qualify for 75% or 50% advance rates with correspondingly adjusted fees.

How does Resolve ensure discreet and effective business credit checks for my customers?

Resolve provides free business credit checks that require only your customer's business name and address—no forms or customer interaction needed. The platform's experts deliver deeper credit insights than traditional bureaus by combining AI, behavioral signals, and human expertise. Credit applications are handled discreetly with results typically delivered within 24 business hours, and quiet pre-approval checks are available to avoid customer disruption.

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.