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.
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:
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.
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.
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:
Cost Considerations:
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.
SmartBiz specializes in SBA 7(a) loans through its marketplace platform, offering competitive interest rates for qualified borrowers.
Key Advantages:
Limitations:
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.
Bluevine combines business financing with high-yield checking accounts, offering a unique banking-integrated approach to working capital.
Platform Features:
Pricing Structure:
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.
Traditional invoice factoring companies provide another alternative, though with significant limitations compared to modern platforms like Resolve.
Factoring Characteristics:
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.
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.
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.
For B2B companies evaluating GRP Funding alternatives, the choice depends on your specific business model and needs:
Choose Resolve when you need:
Choose GRP Funding or traditional lenders when you need:
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.
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.
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.
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.
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.
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.