While Fox Business Funding provides merchant cash advances with funding up to $1,000,000, B2B companies are increasingly discovering superior alternatives that offer non-recourse protection, transparent pricing, and comprehensive accounts receivable automation. From Resolve's AI-powered net terms platform to traditional financing options, these alternatives deliver the working capital businesses need without the high costs and risks of merchant cash advances.
The B2B financing landscape has evolved significantly, with modern platforms offering sophisticated alternatives to traditional merchant cash advances. Industry analysis confirms that merchant cash advances are "one of the most expensive forms of short-term business finance," with annualized rates often exceeding 40-150%. According to the U.S. Small Business Administration, cash flow management remains a top challenge for growing businesses, creating demand for more sustainable, transparent solutions that support long-term business growth rather than creating debt cycles.
Resolve stands out as the premier Fox Business Funding alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Raised over $85 million in funding including a Series B round led by Insight Partners and built by experts formerly of Amazon and PayPal, Resolve brings sophisticated fintech innovation specifically designed for B2B invoice-based businesses.
The Federal Reserve reports that payment flexibility significantly impacts B2B purchasing decisions, with buyers increasingly expecting convenient payment options in business transactions. Modern alternatives like Resolve address the cash flow gap created by traditional net terms while enabling businesses to offer competitive payment options.
The platform's AI-powered automation reduces manual AR work by up to 90%, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Real customer results demonstrate significant impact: SS&SI achieved 5x revenue growth, Archipelago tripled their revenue, and ConEquip grew their net terms business by 30%.
Unlike Fox Business Funding's recourse model that requires daily repayments regardless of customer payment status, Resolve assumes all credit risk on approved invoices. This means if a customer doesn't pay, Resolve absorbs the loss—not the merchant. The platform serves thousands of B2B businesses, providing a comprehensive solution that combines credit underwriting, accounts receivable automation, and payment processing in one integrated platform.
Traditional invoice factoring represents a middle ground between Fox Business Funding's high-cost merchant cash advances and Resolve's comprehensive non-recourse platform. Factoring companies purchase invoices at a discount, typically advancing 80-90% upfront with the remainder (minus fees) paid when customers settle their accounts.
While factoring costs significantly less than merchant cash advances, it still requires merchants to maintain collections responsibilities and absorb partial risk. The manual processes involved also create operational overhead that Resolve's AR automation eliminates. Factoring works best for businesses with established customer relationships and predictable payment patterns who don't require the comprehensive platform features that Resolve provides.
SBA loans and traditional bank financing offer the lowest cost of capital for qualified businesses, with interest rates typically ranging from 6-12% annually. However, these options come with significant qualification barriers and lengthy approval processes that make them inaccessible for many businesses seeking alternatives to Fox Business Funding.
The U.S. Department of Treasury has emphasized the importance of efficient payment systems for economic growth, noting that access to appropriate financing impacts business operations throughout supply chains. While SBA loans provide the most affordable financing option for qualified businesses, their lengthy approval process and strict requirements make them impractical for businesses needing immediate working capital. Additionally, bank loans provide general-purpose financing rather than invoice-specific solutions, making them less suitable for businesses specifically seeking to finance accounts receivable or offer net terms to customers.
Business credit cards offer flexible, revolving credit lines that can provide short-term working capital for qualified businesses. With approval limits typically ranging from $10,000 to $100,000+, credit cards can serve as an alternative to Fox Business Funding for businesses with strong credit profiles.
Business credit cards work best for businesses with strong credit profiles who can pay balances in full each month to avoid high interest charges. The revolving nature provides flexibility that Fox Business Funding's fixed advances don't offer, but the personal liability and high ongoing interest rates make them less suitable for significant working capital needs. Additionally, credit cards don't provide the accounts receivable automation, customer credit checking, or net terms capabilities that Resolve's B2B payments platform delivers.
Revenue-based financing (RBF) provides an alternative to Fox Business Funding's merchant cash advances by offering flexible repayment terms tied to monthly revenue rather than daily deductions. RBF providers typically advance capital in exchange for a fixed percentage of future revenue until a predetermined repayment cap is reached.
Revenue-based financing works best for businesses with predictable monthly revenue streams who need more flexible repayment terms than Fox Business Funding's daily deductions provide. However, RBF still requires full repayment regardless of customer payment status, lacks the non-recourse protection that Resolve offers, and doesn't provide the operational benefits of AR automation and customer credit management. For B2B invoice-based businesses specifically, Resolve's net terms management platform provides superior value through its combination of risk elimination, cost savings, and operational efficiency.
For B2B companies evaluating Fox Business Funding alternatives, the choice depends on your business model, risk tolerance, and operational needs:
The data clearly shows that for B2B invoice-based businesses, Resolve provides the optimal combination of cost savings, risk elimination, and operational efficiency. The platform's business credit checks enable businesses to extend net terms to qualified customers while Resolve handles the underwriting, collections, and credit risk.
Net payment terms allow B2B buyers to purchase goods or services and pay at a later date (typically Net 30, 60, or 90 days). This increases customer purchasing power, drives larger orders, and builds buyer loyalty. With Resolve's platform, businesses can offer these terms while receiving payment within 24-48 hours, eliminating the cash flow gap that traditionally accompanies net terms.
Resolve's AI platform reduces manual AR work by up to 90% through automated credit checking, invoice processing, payment reminders, and reconciliation. The system uses LLMs to map transaction data in real-time and automatically syncs with accounting systems like QuickBooks, eliminating manual data entry and reducing errors.
Resolve provides 100% non-recourse financing, meaning merchants never have to repay advances if approved customers default on their invoices. This eliminates bad debt risk entirely, unlike Fox Business Funding's recourse merchant cash advances that require repayment regardless of customer payment status.
Resolve handles the entire credit lifecycle—performing instant credit checks using proprietary AI models, making underwriting decisions, managing collections, and absorbing all credit risk on approved invoices. Businesses maintain direct customer relationships through white-label portals while Resolve acts as their "credit team on tap."
Resolve charges fees around 2.61% to 3.5% for 30-day net terms, with rates varying by advance percentage and risk. This represents an estimated 70-95% cost reduction compared to typical merchant cash advance factor rates of 20-40%. The platform also includes a $99/month subscription that covers AR automation and platform access.
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.