InterNex Capital Alternatives: Modern B2B Net Terms Solutions

While InterNex Capital focuses on SMBs with at least $1 million in annual revenue, a new generation of B2B payment platforms offers superior alternatives with transparent pricing, non-recourse protection, and AI-powered automation. From Resolve's risk-free net terms to specialized solutions for different business needs, these platforms deliver the working capital and payment flexibility businesses require without InterNex's opaque pricing and recourse risk.

Key Takeaways

Resolve eliminates default risk completely: As the only provider of 100% non-recourse net terms financing, Resolve ensures merchants face zero liability if customers don't pay, unlike InterNex Capital's recourse model
Transparent pricing saves significantly: Resolve's risk-based fees typically range from around 2.6% to 3.5% for net 30 terms, contrasting with InterNex’s variable-rate model (benchmarked to market rates) without public disclosure and potential hidden fees
AI-powered AR automation reduces manual back-office work by 70–83%: Resolve's complete AR automation eliminates manual credit checks, invoicing, and collections, freeing teams to focus on growth
Faster implementation and funding: Resolve delivers next-day funding, typically within 1 business day after approval (24 hours standard), compared to InterNex's 24-48 hour funding timeline
Accessible to more businesses: While InterNex typically requires $1 million in annual revenue and two years of operating history, Resolve serves a broader range of B2B companies with flexible qualification criteria
Complete end-to-end solution: Resolve integrates net terms, AR automation, credit underwriting, and collections into a single platform, eliminating the need for multiple vendors

1. Resolve — The Premier Non-Recourse Net Terms Solution

Resolve stands out as the superior InterNex Capital alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Founded in 2015 (spun out of Affirm’s B2B division by former Affirm executives), Resolve brings consumer fintech innovation to B2B payments with a focus on simplicity, risk elimination, and operational efficiency.

Key Features:

100% non-recourse financing with zero merchant risk
Net 30, 60, or 90-day payment terms
Up to 100% advance payment on approved invoices
Next-day funding standard
Risk-based fees with transparent pricing (typically ranging from around 2.6% to 3.5% depending on advance rate and terms)
Integration with major accounting platforms like QuickBooks, NetSuite, and Xero
White-label payment portal for customers
AI-powered credit underwriting with 24-hour approval

Pricing Structure:

Fees are risk-based and customized, with examples ranging from around 2.6% to 3.5% for net 30 terms depending on advance percentage
No monthly minimums or setup fees
No hidden charges or volume requirements
Custom pricing for enterprise volumes

The platform's AI-powered reconciliation and automated credit scoring substantially reduce manual AR work, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating the collections burden.

Resolve currently serves thousands of B2B merchants (15K+ per latest disclosures) and offers a complete end-to-end solution that integrates net terms management, credit underwriting, AR automation, and collections into a single platform. The free business credit checks require only a company name and address, delivering results within 24 business hours.

For businesses specifically seeking to unlock working capital without taking on risk, Resolve's non-recourse model provides the ideal solution. Recent case studies on Resolve’s official blog demonstrate significant impact: SDI Fire unlocked working capital and increased profit margins, and Archipelago tripled their revenue through Resolve-powered net terms.

The B2B payments landscape has evolved significantly, with modern businesses demanding transparent pricing, risk elimination, and operational efficiency. While InterNex Capital provides B2B receivables-based lending for established businesses, newer platforms like Resolve's net terms offer superior alternatives that address the core pain points of B2B commerce with innovative technology and customer-centric design.

Industry research indicates InterNex Capital has raised approximately $110 million in funding (as of CB Insights 2025) and focuses on invoice financing and working capital solutions for SMBs with significant revenue thresholds. However, businesses seeking more accessible, transparent, and risk-free alternatives now have compelling options that leverage AI and modern fintech infrastructure.

2. Bluevine — Instant Funding with Integrated Banking

Bluevine represents a different approach to B2B financing, offering lines of credit and invoice factoring with instant funding capabilities when paired with their integrated checking account. Having raised over $500M in funding since 2013, Bluevine serves as a viable alternative for businesses prioritizing immediate access to capital.

Platform Strengths:

Instant funding with Bluevine checking account
Lines of credit up to $250,000
BBB A+ rating (verified as of 2025) providing strong credibility
QuickBooks and Xero integration
5-minute approval decisions
International payment capabilities

Cost Considerations:

APR ranges from 24% to 90% depending on credit profile
Wire fees ($15) apply for certain transactions
Invoice factoring available through third-party FundThrough
Recourse lending model (business liable if customer doesn't pay)

Bluevine excels for businesses with strong credit profiles (625+ FICO) that need immediate access to working capital and can leverage their integrated banking features. The BBB A+ rating provides additional trust and credibility compared to newer platforms.

However, the variable APR model and recourse lending present different considerations compared to Resolve's transparent flat fees and non-recourse protection. Businesses evaluating Bluevine should carefully calculate the total cost of capital, especially for longer repayment terms.

3. Fundbox — Accessible Credit for Newer Businesses

Fundbox occupies a distinct niche by providing accessible credit to newer businesses that might not qualify for InterNex Capital's stringent requirements. Since 2013, the platform has provided over $6 billion in funding to 500,000+ businesses with minimal qualification barriers.

Accessibility Advantages:

Qualification with just 3 months in business and 600 credit score
3-minute approval process
1-day funding standard
Credit lines from $1,000 to $150,000
QuickBooks and Xero integration

Cost Structure:

APR ranges from 29% to 99%, among the higher ranges in the industry
Weekly repayment structure can strain cash flow
UCC lien filing may complicate other financing options
Recourse lending model (full business liability)

While Fundbox provides critical funding access for newer businesses, the APR range is higher compared to Resolve's transparent pricing structure. For businesses that qualify for both platforms, the cost difference warrants careful consideration of longer-term financial impact, even if Fundbox's qualification requirements are easier to meet initially.

4. C2FO — Dynamic Discounting Without Debt

C2FO takes a fundamentally different approach by focusing on dynamic discounting rather than traditional lending. The platform operates a working capital marketplace that connects buyers and suppliers, allowing for early payment at mutually agreed-upon discount rates without creating debt obligations.

Unique Model Benefits:

Operations in over 160 countries, providing substantial global reach
Buyer-driven early payment model
Not debt-based financing
Optimizes payment timing rather than borrowing
Over $230M in funding raised since 2008

Model Limitations:

Requires buyer participation and agreement
Not traditional financing—doesn't provide direct capital
No AR automation capabilities
Limited control for suppliers over timing
Custom pricing with limited transparency

C2FO's model works best for suppliers with strong buyer relationships where both parties benefit from early payment optimization. However, businesses specifically seeking direct financing, AR automation, or the ability to offer net terms independently will find Resolve's comprehensive solution more suitable.

The platform's global reach makes it particularly valuable for international supply chains, but domestic businesses or those without buyer participation in early payment programs may not benefit from C2FO's services.

5. TreviPay — Enterprise-Grade Global Net Terms

TreviPay (formerly Apruve) represents the enterprise alternative to InterNex Capital, offering B2B BNPL and net terms solutions for larger organizations with global operations. With roots dating back to 2005 and operations in over 20 countries, TreviPay serves as InterNex's enterprise counterpart.

Enterprise Capabilities:

Operations in 20+ countries and 10+ currencies
Advanced compliance and purchase controls
Major ERP integrations (SAP, Oracle, Microsoft Dynamics)
Enterprise-grade security and features
Full AR automation for complex organizations

Cost and Complexity Considerations:

Estimated monthly minimums of $200+
Setup fees and complex implementation
Custom pricing with limited transparency
Longer onboarding timeline (4-8 weeks)
Less suitable for SMBs due to complexity and cost

TreviPay excels for large enterprises with complex global operations that require sophisticated compliance controls and multi-currency support. However, for mid-market businesses or those prioritizing simplicity and transparent pricing, Resolve's SMB-focused approach provides a more accessible and cost-effective solution.

The longer implementation timeline contrasts with Resolve's 1-2 week standard onboarding, making TreviPay less suitable for businesses needing rapid market entry or immediate working capital access.

Total Cost of Ownership Comparison

The financial impact of choosing between these alternatives becomes clear when examining total cost of ownership for typical B2B scenarios:

Estimated Costs for $1,000 Invoice (Net 30 Terms):

Resolve: Around $26-35 fee (estimated 2.6%-3.5% with advance) = $900+ received immediately
Bluevine: Approximately $75-150 (depending on APR and term length)
Fundbox: Approximately $100-200 (weekly repayment structure at 29-99% APR)
TreviPay: Around $30-50 (transaction fee model plus monthly minimums)

Estimated Annual TCO — Assuming $100K Monthly Invoicing Volume:

Resolve: Estimated net savings including AR staff savings and bad debt protection
Bluevine: $360,000-$480,000 annually (30-40% APR estimates)
Fundbox: $432,000-$1,188,000 annually (29-99% APR range)
TreviPay: $13,400-$47,400 annually (including platform fees)

The cost advantage becomes even more pronounced when factoring in the substantial reduction in AR work and complete elimination of bad debt risk through non-recourse financing.

Making the Right Choice for Your Business

For B2B companies evaluating InterNex Capital alternatives, the choice depends on your business stage, technical requirements, and risk tolerance:

By Business Profile:

Risk-averse businesses: Resolve (100% non-recourse protection)
Cost-sensitive operations: Resolve (transparent risk-based pricing)
Newer businesses (<2 years): Fundbox (lower qualification barriers) or Resolve (flexible criteria)
Established SMBs ($1M+ revenue): Resolve (superior value) or InterNex (if requiring specific features)
Global enterprises: TreviPay (international capabilities)
Buyer-driven supply chains: C2FO (dynamic discounting model)

Implementation Timeline Reality:

1-2 weeks: Resolve (standard onboarding with integrations)
1 day: Bluevine (with instant approval and checking account)
1 day: Fundbox (fast approval process)
4-8 weeks: TreviPay (enterprise setup complexity)
24-48 hours: InterNex Capital (funding timeline)

For businesses seeking to streamline AR processes while eliminating risk, Resolve provides the most comprehensive solution. The platform's ability to offer net terms without balance sheet risk makes it the superior choice for most B2B organizations.

Frequently Asked Questions

How does Resolve's 'non-recourse' financing differ from a loan?

Resolve's non-recourse financing is fundamentally different from a loan because it's tied directly to specific customer invoices rather than creating general business debt. With non-recourse financing, Resolve assumes all credit risk for approved customers—if they don't pay, the merchant owes nothing. In contrast, loans create liability regardless of customer payment behavior. Additionally, non-recourse financing doesn't appear as debt on balance sheets and doesn't require personal guarantees or UCC liens that can complicate other financing. The risk-based pricing provides predictable costs versus variable interest rates on traditional loans.

Can Resolve integrate with my existing accounting and ecommerce software?

Yes, Resolve integrates seamlessly with your tech stack including major accounting platforms like QuickBooks, NetSuite, and Xero, as well as ecommerce platforms such as Shopify, BigCommerce, Magento, and WooCommerce. The platform offers both pre-built connectors for common systems and flexible APIs for custom integrations. Resolve's automated reconciliation ensures transaction data syncs in real-time across systems, eliminating manual data entry and reducing errors. The integration process typically takes 1-2 weeks for standard implementations.

What are the typical fees associated with using Resolve for net terms?

Resolve's fees are transparent and risk-based, typically ranging from around 2.6% to 3.5% depending on factors like advance percentage, term length (Net 30/60/90), and customer risk profile. Unlike competitors with variable APRs that can reach 99%, Resolve's pricing model provides predictable costs. There are no monthly minimums, setup fees, or hidden charges. Fees vary based on your specific business needs, but the transparent pricing model ensures businesses know what they'll pay before accepting terms.

How quickly can I get paid for my invoices using Resolve's advance pay?

Resolve provides next-day funding as standard for approved invoices, with credit decisions typically delivered within 24 hours of application. The process requires only the customer's business name and address for initial credit evaluation, and some purchases up to $25,000 may qualify for instant approvals. Once approved, merchants receive their advance payment (up to 100% of invoice value) within one business day, dramatically improving cash flow compared to traditional 30-90 day payment cycles.

What is the process for a business to offer net terms to its customers through Resolve?

The process begins with free business credit checks requiring only the customer's business name and address. Resolve's proprietary AI models evaluate thousands of data points to deliver credit decisions within 24 hours. Once approved, customers can access net terms at checkout through Resolve's white-label payment portal or via manual invoicing. Resolve handles all subsequent credit management, payment processing, and collections, while merchants maintain their brand relationship with customers. The entire setup process typically takes 1-2 weeks including system integration.

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.