Fresh Funding Alternatives

While traditional factoring has long dominated B2B financing, modern businesses are discovering superior alternatives that combine non-recourse protection, AI-powered automation, and transparent pricing. From Resolve's comprehensive B2B payments platform to specialized financing solutions, these fresh funding alternatives deliver working capital without the complexity and risk of conventional approaches.

Key Takeaways

• Non-recourse financing eliminates risk: Resolve provides non-recourse financing with zero merchant risk while advancing up to 100% of approved invoices
• Transparent pricing saves significantly: Resolve's flat fees of 2.61-3.5% are often priced more predictably than typical factoring discount-rate ranges (commonly cited around ~2–5%), offering predictable costs versus variable competitor models
• AI automation transforms efficiency: Modern platforms deliver up to 90% reduction in reconciliation time, helping you get paid as fast as ~1 day on approved invoices 
• Instant credit decisions accelerate sales: AI-powered underwriting provides credit decisions in seconds, enabling immediate customer purchasing power
• Implementation happens in days, not weeks: Modern platforms integrate in hours to days versus traditional solutions requiring lengthy enterprise deployments
• Proven growth impact: Businesses offering net terms report 20% YoY sales growth and approximately 40% higher average order values

The B2B financing landscape has transformed dramatically, with AI-powered automation and risk-free financing becoming essential for growing companies. While traditional factoring models persist, these fresh funding alternatives offer superior value through technology innovation and customer-centric design.

1. Resolve — The Complete B2B Payments Platform with Zero Risk

Resolve stands out as the premier funding alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Serving over 15,000 businesses, Resolve combines embedded credit expertise, invoice financing, and payments into a single comprehensive platform that streamlines the entire B2B transaction lifecycle.

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 exceeds 50 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.

Key Features

• 100% non-recourse financing with zero merchant risk on approved invoices
• AI-powered AR automation reducing reconciliation time by up to 90%
• Instant credit decisions using proprietary AI underwriting
• Net 30, 60, or 90-day payment terms with flexible options
• Advance payment of up to 100% within 24-48 hours
• Transparent flat-fee pricing of 2.61-3.5% (often priced more predictably than typical factoring discount-rate ranges (commonly cited around ~2–5%))
• White-label payment portal with industry-leading customer adoption
• Comprehensive ERP and e-commerce integrations including QuickBooks, NetSuite, Shopify, and BigCommerce

Pricing Structure

• Flat fees ranging from 2.61% to 3.5% based on advance percentage and risk
• often priced more predictably than typical factoring discount-rate ranges (commonly cited around ~2–5%) factoring rates
• No monthly minimums, setup fees, or hidden charges
• Credit card fees passed on to buyers through the payment portal
• Custom pricing available for enterprise volumes

Real-World Business Impact

The platform's comprehensive approach addresses the full B2B payment lifecycle, from credit assessment through collections management. Recent case studies demonstrate significant impact: Archipelago enabled customers to access significantly higher credit lines, while businesses report average 20% year-over-year revenue growth when offering net terms through Resolve.

Unlike traditional factoring, Resolve maintains merchant control over customer relationships while eliminating the collections burden and bad debt risk. The platform's AI-powered reconciliation automatically syncs transactions across systems, while the branded payment portal accepts ACH, credit card, wire, and check payments.

2. FundThrough — Established Invoice Factoring Platform

FundThrough represents a more traditional approach to invoice financing, having factored over $3 billion in invoices since its founding in 2014. The platform provides straightforward invoice factoring services with industry recognition as "Best Overall" by Forbes, Investopedia, and U.S. News.

Platform Capabilities

• 100% advance rates on invoices (minus fees)
• Spot factoring flexibility with no minimum commitments after first funding
• Next-day funding after initial setup
• AI-enabled platform for credit assessment
• Integration with QuickBooks, Xero, and OpenInvoice
• Collections management handled by FundThrough

Variable Pricing Model 

• Fees ranging from 2.75% to 8.25% per invoice
• Highly variable costs create unpredictability for budgeting
• No setup fees or monthly minimums after first funding
• Traditional recourse factoring model with merchant liability

While FundThrough offers reliable invoice factoring services with established industry credibility, it operates on a recourse model where merchants bear some risk. The variable pricing structure can result in significantly higher costs compared to Resolve's transparent flat-fee model, with maximum rates reaching more than double Resolve's highest tier.

3. Fundbox — Accessible Credit for Early-Stage Businesses

Fundbox occupies a distinct niche providing revolving lines of credit from $1,000 to $250,000 for businesses that may not qualify for traditional financing. Since its inception, the platform has focused on accessibility with lower credit requirements and rapid approval processes.

Accessibility Features

• Accepts credit scores of 600+ FICO
• Requires only 3-6 months in business
• 3-minute approval decisions
• Next business day funding
• Revolving credit line model
• Basic accounting integrations

APR Structure

• APR ranging from approximately 15% to 84%
• Weekly repayment requirements create cash flow pressure
• Significantly higher cost of capital compared to flat-fee alternatives
• Recourse debt model with merchant liability

Fundbox serves an important role for very early-stage businesses or those with credit challenges, but the high APR structure makes it expensive for ongoing working capital needs. Businesses seeking predictable costs and comprehensive AR automation would benefit from exploring platforms with lower overall financing costs.

4. BlueVine — Business Banking with Factoring Services

BlueVine combines business banking services with traditional invoice factoring, offering a hybrid approach that integrates financing with everyday business banking operations. The platform provides basic invoicing tools alongside its factoring services.

Integrated Features

• Business banking accounts with factoring integration
• 70-90% advance rates on invoices
• Basic accounting platform integrations
• Stripe partnership for payment processing
• Traditional factoring model with collections support
• Requires 12 months in business

Monthly Fee Structure

• 1-5% monthly fees
• Variable costs based on risk assessment
• Traditional recourse factoring with merchant liability
• Limited AR automation capabilities

BlueVine's strength lies in its integrated banking and financing approach, making it convenient for businesses seeking both services in one platform. However, the traditional recourse factoring model means merchants retain some collection risk, and the platform's basic invoicing tools don't match the sophisticated AR automation available through dedicated platforms.

5. TreviPay — Enterprise-Grade Global B2B Payments

TreviPay represents the enterprise end of the B2B payments spectrum, with operations spanning 32 countries and deep integration capabilities with global ERP systems. Founded in 1978, the platform offers comprehensive net terms management for large multinational organizations.

Enterprise Capabilities 

• 32-country global support with multi-currency processing
• Deep ERP integrations including NetSuite, SAP, and Codat
• Comprehensive B2B payment platform with AR automation
• Collections management and credit assessment
• Established enterprise track record since 1978
• Custom pricing models for large organizations

Implementation Considerations

• Weeks-to-months implementation timeline typical for enterprise solutions
• Custom pricing with enterprise-level negotiation
• Enterprise-focused with higher minimum requirements
• Global compliance and regulatory management

TreviPay excels for large global enterprises requiring extensive international support, with capabilities designed for complex multinational operations. The platform's enterprise focus means implementation timelines and pricing structures are tailored to larger organizations with global operations.

Understanding Modern B2B Payment Trends

The shift toward modern B2B payment solutions reflects broader changes in business operations and buyer expectations. The Federal Reserve reports that payment flexibility significantly impacts 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.

According to the U.S. Department of Treasury, efficient payment systems play a critical role in economic growth, with delayed payments creating ripple effects throughout supply chains. Modern payment platforms address this challenge by decoupling the seller's cash flow from the buyer's payment timeline.

Choosing the Right Fresh Funding Alternative

For B2B companies evaluating funding alternatives, the choice depends on your business stage, risk tolerance, and operational needs:

By Business Requirements

• Risk elimination priority: Resolve (100% non-recourse protection)
• Transparent predictable pricing: Resolve (flat 2.61-3.5% fees)
• Comprehensive AR automation: Resolve (up to 90% reduction in reconciliation time)
• Global enterprise operations: TreviPay (32-country support)
• Early-stage accessibility: Fundbox (600+ FICO, 3-6 months in business)
• Pure invoice factoring: FundThrough (established factoring platform)
• Integrated banking: BlueVine (banking plus factoring services)

Cost Comparison for $1M Monthly Volume

• Resolve: $26,100-$35,000/month (predictable flat fees)
• FundThrough: $27,500-$82,500/month (highly variable 2.75-8.25%)
• Fundbox: Significantly higher due to APR-based model (15-84% APR)
• BlueVine: $10,000-$50,000/month (1-5% monthly fees)

Implementation Timeline Reality

• Hours to days: Resolve (with existing integrations)
• Next-day funding: FundThrough (after initial setup)
• 3-minute approval: Fundbox (basic credit line)
• Weeks to months: TreviPay (enterprise deployment)

For companies seeking to streamline net terms and AR while eliminating risk, Resolve's comprehensive platform offers a compelling combination of non-recourse protection, transparent pricing, and AI-powered automation. The platform's ability to get paid in 1 day instead of 60 while offering customers flexible payment terms creates a win-win scenario for growing B2B businesses.

Many successful businesses use a complementary approach—leveraging Resolve for operational cash flow and sales growth while using traditional financing for specific asset acquisitions. This strategy maximizes the benefits of modern payment platforms alongside specialized financing when needed.

Frequently Asked Questions

How is Resolve different from traditional factoring?

Unlike traditional factoring, Resolve offers 100% non-recourse financing that eliminates all merchant risk on approved invoices. Traditional factoring requires merchants to bear collection risk, while Resolve assumes the majority risk of late payments or defaults. Additionally, Resolve provides transparent flat-fee pricing of 2.61-3.5% compared to the variable and often higher costs of traditional factoring. The platform also includes comprehensive AI-powered AR automation that reduces reconciliation time by up to 90%, whereas traditional factoring focuses primarily on financing without operational automation.

What are the benefits of offering net terms to my B2B customers?

Offering net terms increases buyer purchasing power by 30-60%, leading to larger orders and more frequent purchases. This enhances customer loyalty and drives revenue growth through repeat business. With Resolve's platform, you can offer net 30, 60, or 90-day terms while getting paid upfront for approved invoices, eliminating the cash flow gap that typically accompanies traditional net terms. The white-label payment portal maintains your brand relationship with customers while providing them flexible payment options including ACH, credit card, wire, and check.

How does Resolve's AI automate accounts receivable processes?

Resolve's AI-powered platform streamlines the entire AR workflow from invoice to payment. AI agents automatically manage payment reminders, collections workflows, and reconciliation processes, resulting in up to 90% reduction in reconciliation time. The platform uses LLM-powered invoicing workflows to ensure every transaction is synced and reconciled automatically across your systems. Smart bookkeeping automation maps and syncs transaction data in real-time, while automated payment reminders reduce friction in collections and accelerate cash flow.

What integrations does Resolve support with existing platforms?

Resolve offers comprehensive integrations with financial tech stacks, including QuickBooks, NetSuite, Oracle, SAP, Xero, and Sage Intacct for accounting systems. For e-commerce platforms, Resolve integrates with Shopify, BigCommerce, Magento, and WooCommerce. The platform's flexible APIs enable integration with virtually any custom implementation, and the BigCommerce integration allows merchants to embed net terms directly into their checkout flow.

How quickly can I get paid with Resolve's advance pay options?

With Resolve's advance pay options, you can get paid in 1 day instead of 60 on approved invoices. The platform advances up to 100% of invoice value within 24-48 hours of billing, depending on the customer's credit approval status. Instant approvals are available for purchases up to $25,000, while standard credit decisions are delivered in seconds through AI-powered underwriting. This dramatically accelerates cash flow and transforms the financial health of your business.

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.