Hokodo Alternatives: Top 6 Platforms for B2B Net Terms in 2025

The B2B payments landscape is rapidly evolving as businesses demand more flexible payment options to maintain cash flow while offering competitive terms. Companies seeking alternatives to Hokodo need platforms that deliver fast credit decisions, transparent pricing, and comprehensive risk management without lengthy implementation timelines.

Resolve's net terms platform addresses these needs with non-recourse financing and AI-powered underwriting, making it a leading choice for businesses looking to extend credit without assuming default risk. According to McKinsey research, companies offering digital payment terms gain significant competitive advantages in customer acquisition and retention.

Key Takeaways

Non-recourse financing eliminates default risk: Resolve offers non-recourse financing on approved invoices with advance payments, ensuring you keep all funds regardless of buyer payment behavior
AI-powered underwriting accelerates decisions: Modern platforms deliver rapid credit decisions using proprietary AI models that analyze thousands of data points beyond traditional credit bureaus
Implementation happens quickly: Resolve's pre-built integrations enable fast deployment versus lengthy enterprise implementations
Transparent pricing without hidden fees: Resolve's fee structure ranges from 2.61% to 3.5% on 30-day net payment terms with clear advance rates of 50%, 75%, or 90% based on buyer risk
Comprehensive platform approach: Unlike point solutions, Resolve combines credit underwriting, payment processing, AR automation, and collections into a single integrated platform
Buyer experience drives sales growth: Offering flexible payment terms improves average order values and customer satisfaction compared to traditional invoicing

The B2B payments landscape has evolved significantly in 2025, with businesses facing increasing pressure to offer flexible payment terms while protecting cash flow. Modern alternatives to Hokodo address these challenges through integrated platforms that combine credit risk management with payment processing and accounts receivable automation.

1. Resolve — The Complete B2B Net Terms Platform

Resolve stands out as the premier Hokodo alternative by offering a comprehensive, risk-free solution that combines credit underwriting, payment processing, and AR automation in a single platform. Resolve was spun out of Affirm in 2020 to focus on B2B net terms and brings extensive credit expertise to businesses of all sizes.

Key Features:

Non-recourse financing on invoices with zero merchant risk on approved transactions
Rapid credit decisions powered by AI models evaluating thousands of buyer data points
Net 30, 60, or 90 payment terms tailored to each customer
Advance payments typically 50%, 75%, or 90% on approved invoices
Risk-based fees ranging from 2.61% to 3.5% on Net 30 terms
Seamless integration with major platforms including QuickBooks, Shopify, BigCommerce, Magento, and WooCommerce
White-label payment portal accepting ACH, credit card, wire, or check

Comprehensive Platform Capabilities:

Resolve's platform goes beyond basic net terms to address the entire credit-to-cash lifecycle. The AI-powered accounts receivable solution streamlines credit, invoicing, and collections while reducing manual overhead. Automated invoicing workflows sync and reconcile transactions across systems, reducing DSO and accelerating cash flow.

The platform's credit underwriting combines AI with human expertise, delivering deeper insights than traditional bureaus. Businesses can offer free business credit reports requiring only a customer's business name and address, with results delivered within 24 business hours.

Pricing Transparency:

Net 30 fees: 2.61% to 3.5% based on risk and advance percentage
Advance rates: Typically 90%, 75%, or 50% based on buyer creditworthiness
Credit card fees may be passed to buyers where permitted; surcharging must comply with card network rules and applicable state laws
No monthly minimums, setup fees, or hidden charges
Custom pricing available for enterprise volumes

Resolve serves thousands of businesses across diverse industries. The platform's non-recourse model on approved invoices means qualified cash advances are yours to keep, regardless of buyer payment behavior. This risk-managed approach allows businesses to confidently offer net terms while protecting cash flow and customer relationships.

2. C2FO — Dynamic Discounting and Working Capital Platform

C2FO operates a different model focused on dynamic discounting, allowing suppliers to receive early payment in exchange for discounts. The platform connects buyers and suppliers in a marketplace for working capital optimization.

Platform Features:

Early payment in exchange for supplier discounts
Buyer-driven early payment programs
Working capital optimization for both parties
Large enterprise buyer network
Integration with major ERP systems

Limitations for Net Terms:

Requires buyers to participate in early payment programs
Doesn't provide true net terms or credit extension
Focuses on existing invoice payments rather than new credit
Limited control for suppliers over terms offered
Complex marketplace dynamics

While C2FO addresses cash flow challenges, it doesn't solve the core need for offering net terms to win new business. Businesses seeking to extend credit to customers rather than accelerate existing payments will find platforms like Resolve more suitable.

3. Taulia — Supply Chain Finance and Dynamic Discounting

Taulia specializes in supply chain finance, offering dynamic discounting and reverse factoring solutions primarily for large enterprise supply chains. The platform connects buyers, suppliers, and financial institutions in a networked approach to working capital management.

Enterprise Focus:

Reverse factoring programs for large buyers
Dynamic discounting marketplace
Supply chain finance solutions
Integration with major ERP platforms
Global payment capabilities

SMB Limitations:

Primarily targets large enterprise relationships
Requires buyer participation and setup
Complex implementation process
Limited standalone credit offering
Focus on existing supply chain relationships

Taulia serves a different market segment than Hokodo and Resolve, focusing on optimizing existing large enterprise supply chains rather than enabling SMBs to offer net terms to grow their customer base.

4. Tradeshift — Invoice and Supply Chain Platform

Tradeshift offers a comprehensive platform for invoice processing, supply chain collaboration, and working capital solutions. The platform combines procurement, invoicing, and payment capabilities in an integrated suite.

Platform Capabilities:

Invoice automation and processing
Supply chain collaboration tools
Working capital financing options
Procurement and purchase order management
Integration with accounting systems

Net Terms Limitations:

Financing options require third-party partnerships
Complex, multi-module platform approach
Higher implementation complexity
Less focus on instant credit decisions
Primarily serves established supply chain relationships

Tradeshift provides valuable invoice automation capabilities but lacks the streamlined, rapid credit decisioning and non-recourse financing that makes Resolve attractive for businesses wanting to quickly offer net terms.

5. Fundbox — Small Business Credit Lines

Fundbox provides credit lines specifically for small businesses, offering an alternative approach to B2B credit. The platform focuses on providing working capital directly to small businesses rather than facilitating B2B transactions.

Small Business Focus:

Credit lines from $1,000 to $150,000
Direct lending to small businesses
Quick approval and funding
Flexible repayment terms
Mobile-first application experience

B2B Transaction Limitations:

Doesn't facilitate B2B payment terms between buyer and seller
Interest rates vary by creditworthiness
Limited to small transaction sizes
Focuses on borrower credit rather than B2B transaction risk
Doesn't maintain buyer-seller relationships

Fundbox serves a different need than Hokodo alternatives, providing direct financing to small businesses rather than enabling B2B credit terms between trading partners.

6. Bill.com — Comprehensive AP/AR Automation

Bill.com offers comprehensive accounts payable and receivable automation with some credit capabilities. The platform serves a broad range of small to mid-sized businesses with integrated payment and workflow automation.

Integrated Platform:

AP and AR automation in single platform
Payment processing for multiple methods
Workflow automation and approvals
Working capital solutions available
Strong accounting software integration

Net Terms Considerations:

Credit offerings are separate from payment processing
Less specialized focus on B2B net terms
Higher monthly subscription costs
Credit decisions may be slower than AI-first platforms
Less transparent pricing structure

Bill.com provides valuable automation capabilities but doesn't offer the same level of specialized B2B net terms expertise and non-recourse protection as Resolve.

AI and Automation Transform B2B Credit Decisioning

The evolution of B2B payment platforms reflects broader trends in financial technology, particularly the integration of AI and automation. According to the Federal Reserve Small Business Survey, cash flow challenges remain a top concern for businesses, driving demand for solutions that can offer both flexibility and protection.

Resolve's AI Advantage:

Resolve leverages proprietary AI models that evaluate thousands of data points beyond traditional credit scores, enabling higher approval rates for businesses with limited credit history. The platform's combination of AI automation and human expertise delivers deeper credit insights than traditional bureaus.

The platform's automated invoicing workflow ensures every transaction is synced and reconciled, reducing manual work significantly. This automation is particularly valuable given that most B2B payment implementations involve integration with existing accounting software.

Making the Right Choice for Your Business

For businesses evaluating Hokodo alternatives, the choice depends on your specific needs, technical requirements, and risk tolerance.

By Business Need:

Risk-free net terms: Resolve (non-recourse on approved invoices, transparent pricing)
Existing supply chain optimization: Taulia or C2FO (established buyer relationships)
Comprehensive AP/AR automation: Bill.com (broader financial automation)
Direct small business financing: Fundbox (working capital for SMBs)
Invoice processing focus: Tradeshift (procurement and invoicing)

Implementation Timeline Reality:

Days to weeks: Resolve (with pre-built integrations)
1-2 weeks: Bill.com (standard setup)
2-4 weeks: Tradeshift (multi-module implementation)
4-8 weeks: Taulia or C2FO (enterprise supply chain setup)

Cost Considerations:

Resolve's transparent fee structure of 2.61% to 3.5% on 30-day net terms compares favorably to alternatives that may have hidden fees or complex pricing structures. The fees reflect the comprehensive non-recourse protection and integrated platform capabilities offered.

Businesses should also consider the revenue impact of offering net terms. Companies that implement digital payment solutions close more deals with enterprise clients who require net terms, while also experiencing improved customer satisfaction.

Frequently Asked Questions

What makes Resolve different from traditional invoice factoring?

Resolve provides non-recourse financing on approved invoices, meaning you face zero risk if customers default after approval. Unlike traditional factoring, Resolve combines credit decisioning, payment processing, and AR automation in one platform. The AI-powered underwriting delivers rapid decisions without the lengthy processes of conventional factoring companies.

How quickly can I implement a B2B net terms solution?

Implementation timelines vary by platform and your existing tech stack. Resolve offers pre-built integrations with platforms like QuickBooks, Shopify, and BigCommerce, enabling faster deployment. According to Plaid's fintech report, businesses prioritizing speed find integrated solutions deploy faster than custom-built approaches. Most implementations with pre-built connectors complete within days to weeks depending on complexity.

Can small businesses benefit from AI-powered credit decisions?

Yes, AI-powered platforms like Resolve's credit check service analyze thousands of data points beyond traditional credit scores, enabling approval for businesses that traditional bureaus might reject. Research from the National Bureau of Economic Research shows alternative data and AI models improve credit access for underserved small businesses while maintaining strong risk management.

What advance rates should I expect from B2B payment platforms?

Most platforms offer tiered advance rates based on buyer risk, typically 50%, 75%, or 90% of invoice value. Higher-risk customers receive lower advance rates, while creditworthy buyers qualify for maximum advances. According to the Commercial Finance Association, average advance rates across the industry range from 70-90%, with fees inversely related to advance percentages and payment terms.

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.