While FundThrough offers reliable invoice factoring services, today's businesses have access to more innovative alternatives with better technology, transparent pricing, and comprehensive features. From all-in-one B2B payment platforms to specialized industry solutions, these FundThrough alternatives can better serve your cash flow needs.
Key Takeaways
- Resolve leads the market with a comprehensive B2B payment platform combining net terms, invoice financing, and AR automation, with transparent flat-fee pricing starting at 2.61% for 30-day terms.
- Traditional factoring is outdated - modern alternatives offer white-label solutions that maintain professional customer relationships
- Industry specialization matters - platforms like Capchase for SaaS and Clearco for e-commerce provide tailored solutions
- Integration capabilities are crucial - seamless connections with accounting software save hours of manual work weekly
- Pricing transparency varies widely - from Resolve's predictable monthly fee to Fundbox's APRs exceeding 15%–84%
- Non-recourse advances protect businesses - keep 100% of funded amounts regardless of customer payment outcomes
1. Resolve - Best Overall FundThrough Alternative
Resolve stands out as the premier FundThrough alternative by offering a comprehensive B2B payment platform that transforms how businesses manage cash flow.
Founded by Y Combinator alumni Chris Tsai and Brian Nguyen, and backed by Insight Partners via a $60 million asset-and-equity financing, Resolve now serves over 12,000 B2B businesses with modern embedded net-terms payment solutions.
Why Resolve Beats FundThrough
Unlike FundThrough's traditional factoring model that notifies your customers and charges variable percentage fees, Resolve provides a white-label experience with transparent, predictable pricing. The platform combines net terms financing, invoice advances, and complete AR automation in one solution, eliminating the need for multiple vendors.
Comprehensive Feature Set
- Net Terms as a Service: Resolve’s net terms solution allows you to extend 30, 45, 60, or 90-day payment terms while still receiving payment upfront. This model effectively turns every B2B transaction into immediate cash flow without the drawbacks of traditional factoring. Through a white-label payment portal, your customers interact only with your brand, helping you maintain strong professional relationships.
- Non-Recourse Credit Protection: Every advance through Resolve is non-recourse, meaning you keep 100% of funded amounts even if customers don't pay. The platform's credit management capabilities include instant credit decisions through its Smart Credit Engine, which analyzes multiple data points beyond traditional scores. Credit checks are conducted quietly without notifying customers or impacting their credit scores.
- Complete AR Automation: Beyond financing, Resolve automates your entire accounts receivable process. The AR automation features include automated payment reminders, intelligent dunning sequences, cash application with remittance matching, and real-time AR aging reports. Businesses report 90% reductions in manual AR work.
- White-Label Customer Experience: Your customers interact exclusively with your brand through Resolve's customizable payment portal. They can pay via ACH payments, credit card, wire transfer, or check - all while seeing your logo and branding. This professional approach has helped businesses achieve 3x B2B sales growth and 40% increases in average order value.
Transparent, Predictable Pricing
Resolve's pricing structure eliminates the uncertainty of FundThrough's 2.75%-8.25% variable rates:
Standard Plan – Flat-fee pricing starting at 2.61% for 30-day terms:
- Buyer credit lines: Maximum up to $250,000
- Advance rates: 50%, 75%, or 90% (up to 100% for qualified businesses)
- Payment methods: All major options supported, including ACH, wire, and credit cards
- Transaction costs: ACH and wire transfers included at no extra cost beyond Resolve’s standard fees
- AR automation: Complete suite with reminders, reconciliation, and dashboards
- Integration: Syncs with QuickBooks, NetSuite, Shopify, and other platforms
- Branding: White-label buyer portal keeps your brand front and center
- User access: Unlimited user accounts for teams of any size
For higher credit limits or custom workflows, custom pricing plans are available. The flat-fee structure means your costs scale predictably with terms—whether you invoice $100,000 or $1,000,000, fees start at 2.61% for 30-day terms.
Superior Funding Speed and Amounts
Resolve provides advances within 24 hours of invoice approval, matching FundThrough's speed while offering better terms. Advance rates range from 50% to 100% of invoice value, with credit lines up to $250,000 on the standard plan. Higher limits are available through custom arrangements for growing businesses.
Streamlined Approval Process
Resolve's approval requirements are more inclusive than traditional factoring:
- US-based B2B companies (manufacturers, wholesalers, service providers)
- Active invoicing operations
- Business bank account
- No published minimum revenue requirements
- Focus on customer creditworthiness, not yours
The Smart Credit Engine provides instant decisions for most applications, analyzing customer payment history, industry data, and multiple credit signals.
Industry-Leading Integrations
Resolve's technology infrastructure surpasses FundThrough with comprehensive integrations:
E-commerce Platforms:
- BigCommerce integration (2025 Innovative Integration Award winner)
- Shopify for seamless B2B checkout
- Magento and WooCommerce support
Accounting Systems:
Developer Tools:
- REST API v5 with 100 requests/minute
- Sandbox environment for testing
- Professional net terms widgets
- Webhook notifications
Proven Customer Success
Real businesses achieving real results with Resolve:
- Marshall Wolf Automation: Streamlined B2B payments and automated credit decisions
- Lift Foils: Scaled pre-season orders with risk-free credit solutions
- Rebag: Reduced order processing time by 50%
- VI: Achieved 90% reduction in manual AR work
- Multiple clients: Report 3x sales growth and 40% higher AOV
Advantages Over FundThrough
- Non-recourse advances protect against customer non-payment
- White-label experience maintains professional relationships
- Predictable monthly pricing vs percentage-based fees
- Complete AR automation beyond just financing
- Award-winning technology (BigCommerce 2025 Integration Award)
- No customer notification required
- Y Combinator backing with strong founder pedigree
Potential Considerations
- Monthly subscription cost regardless of usage volume
- Primarily focused on US market currently
- May exceed needs for occasional factoring only
Ideal Use Cases
Resolve excels for:
- B2B companies wanting to offer payment terms competitively
- Businesses seeking complete AR automation solutions
- Manufacturers and wholesalers scaling operations
- Companies selling to enterprises expecting net terms
- Growing businesses needing predictable financing costs
2. Fundbox - Fast Business Credit Lines
Fundbox pivoted from invoice financing to become a leading business credit line provider. While no longer directly competing with FundThrough in factoring, Fundbox serves similar cash flow needs through flexible credit lines up to $250,000.
Key Features
- Credit lines: $1,000 to $250,000
- Approval time: Minutes with next-day funding
- Requirements: 600+ credit score, 3 months operating history
- Repayment: 12 or 24-week terms with weekly debits
Pricing Structure
- 12-week terms: Starting at 4.66% flat fee
- 24-week terms: Starting at 8.99% flat fee
- APR range: 16.4% to 76.5% (can exceed 240%)
Best For
Businesses needing quick access to working capital without invoice-specific financing. The low credit requirements make it accessible but expensive.
3. QuickBooks Capital - Integrated QuickBooks Financing
QuickBooks Capital offers exclusive financing for QuickBooks users, including a 2024-launched credit line with invoice financing capabilities.
Unique Features
- Invoice advances: QuickBooks Capital does not advertise 100% invoice advances. Remove this claim.
- Interest waiver: There is no feature waiving interest if customers pay within 30 days. Delete this line.
- Deep integration: Keep this, as QuickBooks does integrate payments, applications, and reporting.
- Multiple products: QuickBooks Capital offers lines of credit from $1,000–$150,000. Term loans are no longer generally available to new applicants.
Rates and Requirements
- Line of Credit APR: 13.49% - 35.99%
- Term Loan APR: 9.99% - 36%
- No origination or prepayment fees
- Exclusive to QuickBooks users
4. Capchase - SaaS Revenue Financing
Capchase specializes in revenue-based financing for SaaS and subscription businesses, offering up to 70% of Annual Recurring Revenue without dilution.
SaaS-Specific Benefits
- Non-dilutive funding: No equity stakes required
- ARR-based advances: Up to 70% of annual recurring revenue
- Flexible repayment: Tied to revenue performance
- Global reach: Operations in 10 countries
Requirements
- Minimum $100K ARR
- 3+ months runway
- B2B SaaS model
- Typical discount: 5-10% on ARR
5. BlueVine - Business Banking Platform
BlueVine transformed from factoring to comprehensive business banking after selling its factoring division to FundThrough in 2022.
Current Offerings
- Business Line of Credit: $5K to $250K at 7.8% APR
- Business Checking: Up to 3.7% APY
- FDIC Insurance: Up to $3 million
- Invoice Factoring: Now partners with FundThrough
Best For
Businesses wanting integrated banking and credit lines. For invoice factoring specifically, BlueVine redirects to FundThrough.
6. Credibly - Multiple Financing Options
Credibly provides diverse financing including invoice factoring, working capital loans, and equipment financing, with $2.5+ billion funded.
Invoice Factoring Features
- Advance rates up to 95%
- Factor rates from 1.11
- 24-hour funding available
- 500+ credit score accepted
Additional Products
- Working capital loans: $5K-$600K
- Equipment financing: $10K-$10M
- Weekly repayment schedules
7. Clearco - E-commerce Revenue Financing
Clearco specializes in revenue-based financing for e-commerce and SaaS companies, having funded 10,000+ businesses with $2.5+ billion.
E-commerce Focus
- Invoice extensions: Up to 6 months
- Revenue-based model: Fixed or rolling capacity
- Flat fees: 8-14% depending on use
- Minimum requirement: $10K monthly revenue
Best For
E-commerce businesses with consistent sales and SaaS companies avoiding traditional loans or equity dilution.
Frequently Asked Questions
What makes Resolve better than FundThrough?
Resolve offers a comprehensive B2B payment platform with transparent flat-fee pricing starting at 2.61% for 30-day terms, compared to FundThrough’s variable 2.75%–8.25% fees. Resolve's non-recourse advances, white-label approach, and complete AR automation provide significantly more value than traditional factoring.
Do these alternatives require perfect credit?
No. Fundbox accepts 600+ scores, Credibly works with 500+ scores, and Resolve focuses on customer creditworthiness rather than your business credit. This makes them accessible to more businesses than traditional lenders.
Which platform offers the fastest funding?
Fundbox and FundThrough offer next-day funding. Resolve provides 24-hour advances after approval. QuickBooks Capital typically funds within 1-2 business days for existing QuickBooks users.
Are long-term contracts required?
Most modern alternatives avoid contracts. Resolve operates month-to-month, Fundbox has no contracts, and FundThrough offers spot factoring. This flexibility improves upon traditional factoring arrangements significantly.
Which is best for SaaS companies?
Capchase specifically serves SaaS with ARR-based financing up to 70% of recurring revenue. Clearco also suits SaaS well. Traditional invoice factoring doesn't align with subscription models as effectively as these specialized platforms.
How do costs compare between platforms?
Resolve charges a flat fee starting at 2.61% for 30-day terms. FundThrough charges 2.75%–8.25% per invoice. Fundbox APRs typically range from about 15% to 84%, depending on term length and fees. QuickBooks Capital offers APRs starting around 9.99% for qualified borrowers. Consider both the rate structure and your expected usage
Can I switch from FundThrough easily?
Yes, most alternatives including Resolve don't require exclusive relationships. Since FundThrough offers spot factoring without contracts, you can transition without penalties. Review any outstanding obligations before switching.
Which offers the best technology integrations?
Resolve leads with BigCommerce award-winning integration plus QuickBooks, NetSuite, Shopify connections. QuickBooks Capital offers deepest QuickBooks integration specifically. FundThrough provides strong but narrower integrations than Resolve's comprehensive platform.
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.