GRP Funding Alternatives

While GRP Funding provides general business loans with fast funding (often as soon as the next business day) across multiple financing products, B2B companies are increasingly turning to specialized platforms that solve the unique challenges of invoice-based commerce. From Resolve's non-recourse financing to AI-powered accounts receivable automation, these alternatives deliver working capital solutions specifically designed for B2B operations—without the hidden costs and full recourse risk of traditional lenders.

Key Takeaways

Eliminate 100% of bad debt risk: Resolve provides non-recourse financing that removes all merchant liability for customer non-payment, unlike GRP Funding's recourse-based loans
Estimated 70-90% cost savings: Transparent per-invoice fees (around 2.61-3.5%) save dramatically compared to MCA pricing is often quoted as a factor rate and can translate into high effective APRs (e.g., Fed examples show ~70% APR equivalents in common structures)
B2B-specific platform: Only Resolve combines net terms, AR automation, and invoice financing in one integrated solution designed specifically for B2B commerce
Proven growth impact: Customer case studies demonstrate up to 5x revenue growth and up to 50% average order value increases through offering net terms
Operational efficiency: AI-powered AR automation reduces manual work by up to 90% while shrinking DSO from 60 days to 1 day
Seamless integrations: Deep ERP and e-commerce integrations with QuickBooks, NetSuite, Shopify, and BigCommerce eliminate manual data entry

1. Resolve — The B2B-Specific Alternative to GRP Funding

Resolve Pay stands out as the premier GRP Funding alternative by addressing the specific needs of invoice-based B2B businesses through its integrated platform combining non-recourse financing, net terms, and AI-powered accounts receivable automation.

Key Features:

Non-recourse financing with zero merchant risk
B2B net terms (30/60/90 days) offered to customers while getting paid immediately
AR automation reducing manual work by up to 90%
Advance payment up to 100% within 24-48 hours
Transparent per-invoice fees (around 2.61-3.5%)
White-label payment portal maintaining merchant brand identity
Deep ERP integrations with QuickBooks, NetSuite, Oracle, Sage Intacct
Free business credit checks requiring only company name and address

Cost Advantage:

Unlike GRP Funding's undisclosed pricing structure that typically falls within the 20-80%+ APR range common to merchant cash advances, Resolve offers transparent per-invoice fees. For a $10,000 invoice, Resolve costs approximately $261-$350 (2.61-3.5%) compared to GRP Funding's estimated $2,000-$8,000+ based on typical MCA pricing.

The platform's unique value proposition combines three critical B2B needs in one solution: customer credit extension, immediate cash flow, and operational automation. This integrated approach has driven up to 5x revenue growth and up to 50% average order value increases for customers across wholesale, manufacturing, and distribution industries.

Resolve's free business credit checks enable rapid customer qualification using only a business name and address, with decisions delivered in 24 hours or less. The white-label payment portal ensures customers remain within the merchant's brand environment throughout the payment process, preserving relationships while Resolve handles all credit risk and collections.

Understanding B2B Payment Evolution

The shift toward modern B2B payment solutions reflects broader changes in business operations. 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.

Research from the Federal Reserve indicates 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—a gap that specialized platforms like Resolve were designed to fill.

2. OnDeck — Fast Emergency Capital for Non-Invoice Needs

OnDeck serves as an alternative when businesses need immediate working capital unrelated to customer invoices. Founded in 2006, the platform has funded over $15 billion to businesses.

Platform Strengths:

Same-day funding for approved applications
Accepts credit scores as low as 625+
Term loans ($5K-$400K) and lines of credit
Established lender with 18+ years of operation

Cost Considerations:

Competitive rates with short repayment terms (typically 12-24 months)
Daily or weekly automatic debits can strain cash flow
All financing is recourse-based with full merchant liability
Factor rates vary based on creditworthiness and loan term

While OnDeck provides fast access to capital for emergency situations, it lacks B2B-specific features like net terms, AR automation, or customer credit extension. The platform is better suited for general working capital needs rather than invoice-based B2B commerce optimization.

3. SmartBiz — SBA-Backed Long-Term Financing

SmartBiz specializes in SBA 7(a) loans through its marketplace platform, offering competitive interest rates for qualified borrowers.

Key Advantages:

SBA loan rates from 10.5% - 14.25%
$50,000–$350,000 SBA working-capital/debt-refi loans through SmartBiz Bank’s streamlined program
Terms up to 25 years for real estate financing
Government backing reduces lender risk

Limitations:

Minimum 7-day approval timeline with SBA process taking weeks
$2,500 packaging fee plus approximately $600 in closing costs and 2-3.75% SBA guarantee fees
Strict qualification requirements (640+ credit score, extensive documentation)
No B2B-specific features like net terms or AR automation

SmartBiz excels for major business investments like real estate or equipment where competitive interest rates and longest repayment terms justify the slower approval process. However, it doesn't address the operational challenges of B2B invoice management or provide payment flexibility to customers.

4. Bluevine — Revolving Credit with Banking Integration

Bluevine combines business financing with high-yield checking accounts, offering a unique banking-integrated approach to working capital.

Platform Features:

Revolving lines of credit up to $250,000
Term loans up to $500,000
Business checking accounts earning up to 3.0% APY on eligible Bluevine Business Checking plans
QuickBooks integration for accounting sync

Pricing Structure:

Interest-based pricing starting around 4.8%
Monthly fees of $0-$95 depending on account tier
No prepayment penalties

Bluevine's banking integration provides a comprehensive financial management solution, but it lacks B2B-specific features like net terms financing, customer credit extension, or AR automation. The platform serves general small business needs rather than addressing the unique challenges of B2B invoice-based commerce.

5. Traditional Invoice Factoring — The Legacy Alternative

Traditional invoice factoring companies provide another alternative, though with significant limitations compared to modern platforms like Resolve.

Factoring Characteristics:

Typically recourse-based with merchant liability for customer non-payment
Discount rates of 1-5% per invoice
Often requires customer notification of factoring relationship
Manual processes with limited automation
Monthly minimums and volume requirements common

While factoring provides immediate cash for invoices, it fails to address the comprehensive needs of modern B2B businesses. Unlike Resolve's non-recourse model, traditional factoring maintains merchant risk. The lack of AR automation, net terms offering, and seamless integrations makes factoring a partial solution at best.

Why B2B-Specific Solutions Matter

The fundamental difference between GRP Funding and Resolve lies in their target markets and solution design. GRP Funding offers general business loans that treat all businesses the same, regardless of their operational model. Resolve, by contrast, was built specifically for B2B companies that sell on invoice with net payment terms.

This specialization enables Resolve to solve the core challenges B2B businesses face:

Risk Management: GRP Funding's recourse loans leave merchants fully exposed to customer non-payment. Resolve's non-recourse financing eliminates this risk entirely.

Operational Efficiency: While GRP Funding provides capital without operational tools, Resolve's AR automation reduces manual work by up to 90% and shrinks DSO from 60 days to 1 day.

Customer Experience: GRP Funding doesn't help merchants offer better payment terms to their customers. Resolve enables businesses to offer net terms (30/60/90 days) while getting paid immediately, driving sales growth and customer loyalty.

Cost Transparency: GRP Funding's undisclosed pricing often results in 20-80%+ effective APRs, while Resolve's transparent per-invoice fees (around 2.61-3.5%) provide predictable costs and estimated 70-90% savings.

The Role of Modern Payment Infrastructure

According to the U.S. Department of Treasury, efficient payment systems are critical for economic growth and business competitiveness. Delayed payments create ripple effects throughout supply chains, constraining working capital and limiting growth opportunities for small and medium-sized businesses.

Modern B2B payment platforms address these challenges by combining financing with operational automation. Rather than simply providing loans that must be repaid regardless of customer behavior, integrated solutions like Resolve transfer default risk away from sellers while maintaining cash flow stability and strengthening customer relationships.

Making the Right Choice for Your B2B Business

For B2B companies evaluating GRP Funding alternatives, the choice depends on your specific business model and needs:

Choose Resolve when you need:

Non-recourse protection eliminating 100% of bad debt risk
B2B net terms to offer customers while getting paid immediately
AR automation reducing manual work by up to 90%
Seamless integration with your existing ERP and e-commerce systems
Transparent, predictable per-invoice pricing

Choose GRP Funding or traditional lenders when you need:

General working capital not tied to specific customer invoices
Equipment financing, real estate loans, or other non-receivables capital
Multiple product types (SBA, term loans, lines of credit) in one provider

The key insight is that B2B invoice-based businesses have unique needs that general business lenders like GRP Funding simply cannot address. Resolve's specialized platform delivers comprehensive solutions for the specific challenges of B2B commerce, from customer credit extension to AR automation to risk-free cash flow.

For companies ready to eliminate bad debt risk, reduce operational costs, and drive B2B sales growth, Resolve's integrated platform provides a solution that addresses all three needs simultaneously.

Frequently Asked Questions

How does a B2B net terms solution accelerate cash flow compared to traditional methods?

B2B net terms solutions like Resolve convert 30-90 day customer payment cycles into 1-day cash flow by advancing up to 100% of approved invoices within 24-48 hours. Unlike traditional loans that create additional debt, net terms financing leverages existing receivables while maintaining customer relationships and payment terms. This approach eliminates the cash flow gap without adding balance sheet debt.

Is non-recourse invoice advancement similar to factoring? What are the key differences?

Non-recourse invoice advancement differs significantly from traditional factoring. While factoring often involves recourse liability, customer notification, and loss of relationship control, Resolve's non-recourse model eliminates 100% of merchant risk while maintaining white-label customer relationships. Additionally, Resolve provides integrated AR automation and net terms offering, whereas factoring focuses solely on invoice purchasing without operational tools.

How does AI automation contribute to more efficient accounts receivable management?

AI automation reduces manual AR work by up to 90% through automated credit decisions, payment reminders, collections, and reconciliation. LLM-powered invoicing workflows automatically sync transactions across systems, eliminating manual data entry. This automation shrinks DSO from typical 60-day cycles to 1-day cash flow while reducing errors and operational costs.

What are the eligibility requirements for a business to use Resolve's services?

Resolve serves B2B businesses with approximately $1 million+ annual B2B revenue minimum. The platform specializes in invoice-based commerce across wholesale, manufacturing, distribution, and e-commerce industries. Unlike traditional lenders requiring extensive personal guarantees and credit checks, Resolve focuses on business fundamentals and customer payment history for credit decisions.

Can Resolve's payment solutions integrate with my existing accounting and e-commerce platforms?

Yes, Resolve offers deep integrations with major platforms including QuickBooks Online/Desktop, NetSuite, Oracle, Sage Intacct, Shopify, BigCommerce, WooCommerce, and Magento. These certified integrations enable automatic invoice sync, reconciliation, and financial reporting, eliminating manual data entry and ensuring seamless operation within existing tech stacks.

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.