InterNex Capital Alternatives 2026: Best Options for B2B Net Terms

B2B businesses evaluating working capital solutions face an important choice in 2026: traditional asset-based lending models like InterNex Capital or modern, embedded net terms platforms like Resolve Pay's B2B Net Terms. InterNex Capital has established itself as a player in digital lending, having funded $3 billion since inception, but many B2B sellers are discovering that their needs center on offering flexible payment terms to customers, getting paid faster, and automating accounts receivable operations rather than traditional borrowing.

Resolve Pay addresses these supplier-side needs through its integrated platform that combines net terms financing, non-recourse credit protection on approved invoices, AI-powered accounts receivable automation, and seamless integration with existing commerce and accounting systems. According to Federal Reserve research on small business financing, cash flow management remains a top challenge for growing businesses, while the Association for Financial Professionals continues to report elevated payment complexity across B2B transactions.

Key Takeaways

• Resolve Pay is purpose-built for B2B net terms: Resolve Pay helps established B2B merchants offer flexible payment terms to business buyers, get paid faster on approved invoices, and automate receivables workflows in one platform.
• InterNex Capital serves a different use case: InterNex Capital operates as an asset-based lender requiring $1 million+ annual revenue and 2+ years in business, with facility sizes typically ranging from $250,000 to $10 million.
• Non-recourse protection matters for B2B sellers: Resolve Pay's cash advances are non-recourse on approved invoices, meaning sellers keep their advance payment even if approved customers fail to pay due to credit issues.
• AR automation drives operational efficiency: Resolve Pay supports automation across credit checks, invoice management, payment reminders, collections, reconciliation, and accounting workflows.
• Modern commerce integration is essential: Resolve Pay provides native integrations with ecommerce platforms like Shopify and BigCommerce, plus accounting systems including QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite.
• White-label experience preserves customer relationships: Resolve Pay's branded payment portal and silent credit checks keep the seller's brand front and center throughout the buyer journey.
• Use case determines the right fit: Businesses needing to offer payment terms to customers benefit most from net terms platforms, while those seeking general working capital may evaluate asset-based lending options.

Why Teams Evaluate InterNex Capital Alternatives

Teams look for InterNex Capital alternatives when their primary need centers on offering flexible payment terms to business customers rather than general working capital financing. InterNex Capital serves established businesses seeking traditional asset-based lending relationships, with specific requirements around revenue thresholds and business maturity.

The evaluation changes when the business needs to solve a different problem. A B2B wholesaler or distributor may realize the real challenge is not access to general capital, but rather the ability to offer net terms without waiting 30 to 60 days for customer payments, the burden of manual credit decisions, and the complexity of managing accounts receivable at scale. According to SBA guidance on business financing, understanding the specific financing need is critical to selecting the right solution.

That is where Resolve Pay provides a fundamentally different approach. Rather than offering a line of credit for general business purposes, Resolve Pay creates an integrated workflow that combines net terms offerings, buyer credit decisions, payment acceleration, collections management, and AR automation in one platform. This aligns with the operational reality that B2B sellers face: the goal is not simply to borrow money, but to change how sales, credit, invoicing, collections, and cash conversion work together.

The most common considerations in evaluating alternatives include: the ability to offer competitive payment terms to customers, speed of payment on approved invoices, credit risk management, operational efficiency in AR workflows, and integration with existing ecommerce and accounting systems. For B2B merchants selling to business buyers, these operational factors often matter more than the traditional lending criteria that drive asset-based lending decisions.

Quick Comparison Overview

This comparison is organized around primary use cases, because financing category matters significantly when evaluating fit. Resolve Pay addresses supplier-side net terms operations, InterNex Capital provides asset-based lending, Fundbox offers business credit lines, and Behalf focuses on purchasing solutions. The right choice depends on whether the business needs to offer payment terms to customers or seeks general working capital.

1. Resolve Pay

Integrations: QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite, Magento 2, BigCommerce, Shopify, WooCommerce, and flexible API options

Core Workflow: Buyer credit approvals, net terms offerings, invoicing, payment reminders, collections, payment acceptance, and automated reconciliation

Best Fit: Established B2B merchants that sell to business buyers and want to offer flexible payment terms while maintaining healthy cash flow

Resolve Pay belongs at the top of this list because it addresses a fundamentally different business challenge than traditional asset-based lending. While InterNex Capital provides working capital loans, Resolve Pay creates an integrated platform for B2B merchants to offer net terms to their customers, receive payment quickly on approved invoices, and automate the entire accounts receivable workflow.

The platform combines several critical capabilities that B2B merchants need when offering payment terms. First, it provides buyer credit decisions, allowing sellers to quickly assess whether a business customer qualifies for net terms. Second, it offers non-recourse cash advances on approved invoices, meaning sellers receive payment upfront while Resolve Pay assumes the credit risk on approved buyers. Third, it automates the entire AR workflow including invoice delivery, payment reminders, collections, and reconciliation.

This integrated approach matters because B2B sellers face a compound challenge. They want to offer competitive payment terms to attract and retain customers, but they also need to maintain consistent cash flow, minimize bad debt risk, and avoid drowning in manual AR administration. Resolve Pay addresses all three dimensions through its combined platform.

The operational benefits extend across the entire credit-to-cash cycle. Finance teams can use branded payment portals that maintain the seller's brand identity throughout the customer payment experience. AI-powered collections automate follow-up workflows. Real-time data syncing with accounting systems eliminates manual reconciliation work. Integration with ecommerce platforms enables instant net terms approvals at checkout.

Resolve Pay also helps B2B merchants compete more effectively in their markets. By offering flexible payment terms, sellers can increase order sizes and customer loyalty without compromising their own cash position. The white-label experience ensures customers see net terms as a native offering from their trusted supplier, not as third-party financing.

For businesses comparing traditional financing options with modern net terms platforms, Resolve Pay represents a different category. It is less about borrowing money for general business purposes and more about transforming how B2B payment terms work operationally. Teams that want to understand the distinction can review Resolve Pay's resources on modern alternatives to factoring and B2B BNPL approaches.

Key Features

• Non-recourse cash advances on approved invoices for B2B transactions
• Comprehensive accounts receivable automation across invoicing, reminders, and reconciliation
• Business credit assessment capabilities integrated into the platform workflow
• AI-driven collections workflows for efficient payment follow-up
• Native integrations with leading ecommerce, ERP, and accounting systems
• Branded customer payment portal supporting ACH, card, wire, and check payments
• Real-time transaction data syncing with accounting platforms
• White-label experience that preserves seller brand identity

Strengths

Resolve Pay is built specifically for B2B merchants that want to offer payment terms to their customers. The platform combines net terms financing with comprehensive AR automation, addressing both the cash flow and operational challenges that come with offering flexible payment terms.

The non-recourse structure on approved invoices provides important risk protection. When Resolve Pay approves a buyer for net terms, sellers receive their payment upfront and do not bear the credit risk if that approved customer fails to pay. This allows businesses to offer competitive terms with greater confidence.

The automation capabilities reduce manual finance work significantly. Rather than juggling spreadsheets, manual credit checks, payment reminders, and reconciliation tasks, finance teams can manage the entire workflow through Resolve Pay's platform. Integration with existing ecommerce and accounting systems means the platform fits into existing operational workflows.

The white-label approach preserves customer relationships. Buyers interact with the seller's brand throughout the payment experience, from credit approval through payment processing. This maintains the trust and relationship that sellers have built with their customers.

Best For

Resolve Pay is best for established B2B merchants that sell to business buyers and want to offer flexible payment terms without sacrificing cash flow or creating unsustainable AR management burdens. It is especially relevant for wholesalers, manufacturers, distributors, and B2B ecommerce companies that want to scale their net terms offerings while maintaining operational efficiency.

Businesses that currently limit their net terms offerings due to cash flow concerns, credit risk worries, or operational complexity will find Resolve Pay addresses all three challenges through its integrated platform approach.

Learn more about Resolve Pay

2. InterNex Capital

InterNex Capital operates in the asset-based lending space, serving established businesses with traditional financing needs. Founded in 2015, the company has built a presence in the alternative lending market, reaching a $3 billion funding milestone and demonstrating substantial market activity.

The company targets the lower-middle market with specific qualification criteria. According to industry sources, InterNex Capital typically requires $1 million+ annual revenue and 2+ years in business, with facility sizes generally ranging from $250,000 to $10 million. This positions the company for established mid-market businesses seeking substantial credit facilities.

InterNex Capital's approach centers on traditional asset-based lending structures. The company's Velocity technology platform provides analytics and business intelligence capabilities, offering real-time dashboards and cloud-based management tools. Reports indicate the company has maintained a 0% loss rate while achieving 60% year-over-year growth, reflecting strong credit risk management within their target market segment.

The company's integration approach is centered on the Velocity platform and the operational needs of asset-based lending relationships. This serves businesses comfortable with traditional lending structures and reporting requirements.

Key Features

• Asset-based lending facilities for established businesses
• Velocity technology platform with analytics and business intelligence
• Credit facilities typically ranging from $250,000 to $10 million
• Real-time dashboards and cloud-based management capabilities
• Focus on lower-middle market businesses with proven track records
• Traditional ABL structure and reporting relationships

3. Fundbox

Fundbox provides business lines of credit as an alternative to traditional bank lending and platform-specific financing options. The company serves small and medium-sized businesses seeking direct access to working capital for general business purposes.

The Fundbox model centers on providing businesses with flexible credit lines that can be drawn upon as needed. This differs from both asset-based lending relationships and supplier-side net terms platforms. Businesses apply directly for a credit facility and can use approved funds for various operational needs.

For B2B sellers, the consideration is whether a general business credit line addresses the core operational challenge. If the primary need is offering payment terms to customers and managing the resulting receivables, a supplier-side platform like Resolve Pay typically provides better operational alignment. If the need is general working capital access outside of customer payment terms, a business credit line may be relevant.

Key Features

• Business lines of credit for general working capital needs
• Direct application process independent of partner platforms
• Flexible draw structure for operational expenses
• Serves SMBs across various industries

4. Behalf

Behalf operates in the purchasing and payment solutions space, providing businesses with tools to manage procurement and supplier payments. The company's approach focuses on the buy-side of business transactions rather than the sell-side net terms challenge.

This positions Behalf differently from both traditional lenders and supplier-side net terms platforms. While Resolve Pay helps B2B sellers offer terms to their customers, Behalf addresses the buyers need to manage purchases and payment timing with their suppliers.

For businesses evaluating these categories, the distinction matters. A B2B seller looking to offer flexible payment terms to customers will find better operational alignment with a supplier-focused platform. A business looking to manage its own purchases from suppliers operates in a different workflow.

Key Features

• Purchasing and procurement financing solutions
• Buy-side payment management tools
• Supplier payment flexibility options
• Focus on business purchasing workflows

Platform Comparison Matrix

This matrix clarifies that these platforms serve different business needs. Resolve Pay is built for B2B sellers that want to offer payment terms to their customers. InterNex Capital serves businesses seeking asset-based lending relationships. Fundbox addresses general working capital through business credit lines. Behalf focuses on purchasing and procurement workflows. The right choice depends on which business challenge needs solving.

Resolve Pay Is the Strongest Choice for B2B Net Terms

For established B2B merchants that want to offer flexible payment terms to their customers while maintaining healthy cash flow and operational efficiency, Resolve Pay provides the most comprehensive solution. The platform is purpose-built for this specific challenge, combining net terms financing, buyer credit decisions, non-recourse protection on approved invoices, and complete AR automation in one integrated workflow.

This focus on supplier-side operations distinguishes Resolve Pay from alternatives that serve different business needs. Traditional asset-based lenders provide working capital loans but do not address the operational complexity of offering payment terms, managing buyer credit, or automating receivables. Business credit lines offer flexible borrowing but do not include the credit decisioning, invoicing, collections, and reconciliation workflows that B2B sellers need when offering terms.

Resolve Pay's integrated approach addresses the compound challenge that B2B merchants face. They want to offer competitive payment terms to attract customers and increase order sizes. They need to maintain consistent cash flow despite extending terms. They must assess buyer creditworthiness to manage risk. They require efficient operations to avoid drowning in manual AR work. Resolve Pay addresses all these dimensions through its platform.

The non-recourse structure on approved invoices provides meaningful risk protection. When Resolve Pay approves a buyer, the seller receives payment quickly and does not bear the credit risk if that approved customer fails to pay. This allows businesses to offer terms with greater confidence and scale their net terms programs without proportionally increasing risk exposure.

The automation capabilities transform operational efficiency. Finance teams can manage credit checks, invoice delivery, payment reminders, collections workflows, and reconciliation through Resolve Pay's platform rather than juggling multiple manual processes. Integration with ecommerce platforms, ERPs, and accounting systems means the platform fits into existing workflows rather than creating parallel processes.

The white-label experience preserves the customer relationships that B2B sellers have built. Buyers see the seller's brand throughout the payment journey, from credit approval through payment processing. This maintains trust and positions net terms as a native offering from the seller rather than third-party financing.

For businesses currently evaluating their options, the key question is which business challenge needs solving. If the goal is to offer payment terms to customers while maintaining cash flow and operational efficiency, Resolve Pay provides the most direct solution. Teams wanting to understand the broader context can review B2B payment trends and net terms management strategies.

Final Verdict

InterNex Capital serves established businesses seeking traditional asset-based lending relationships, with specific requirements around revenue thresholds, business maturity, and facility sizes. The company has demonstrated substantial market presence through its $3 billion funding milestone and operates with a technology platform designed for ABL analytics and business intelligence.

For B2B merchants, the more relevant evaluation centers on the specific business challenge that needs solving. Businesses seeking general working capital through asset-based lending may find InterNex Capital's approach fits their needs. Businesses that want to offer flexible payment terms to their customers while maintaining healthy cash flow and operational efficiency will find Resolve Pay addresses that challenge more directly.

Resolve Pay is purpose-built for supplier-side net terms operations. It combines buyer credit decisions, non-recourse cash advances on approved invoices, comprehensive AR automation, and integration with existing commerce and accounting systems. This integrated approach addresses both the financial and operational dimensions of offering payment terms at scale.

The decision ultimately depends on business priorities. For established B2B merchants selling to business buyers, the ability to offer competitive payment terms, receive payment quickly on approved invoices, and automate receivables workflows represents a more complete solution than traditional financing alternatives. Resolve Pay delivers these capabilities through one integrated platform designed specifically for B2B net terms operations.

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Frequently Asked Questions

How does Resolve Pay help B2B sellers offer net terms to customers?

Resolve Pay helps B2B sellers offer net terms through an integrated platform that combines buyer credit decisions, non-recourse financing on approved invoices, and comprehensive AR automation. Sellers can assess buyer creditworthiness, extend payment terms confidently, receive payment quickly on approved invoices, and automate invoice delivery, reminders, collections, and reconciliation. This allows businesses to offer competitive terms without compromising cash flow or creating unsustainable operational burdens.

What is the difference between Resolve Pay and traditional asset-based lending?

Resolve Pay focuses on supplier-side net terms operations, helping B2B merchants offer flexible payment terms to their customers while maintaining cash flow and automating receivables. Traditional asset-based lending provides working capital loans based on business assets and financial performance. The key difference is the use case: Resolve Pay addresses the operational challenge of offering and managing payment terms to customers, while asset-based lending addresses general working capital needs.

Does Resolve Pay provide non-recourse protection?

Resolve Pay's cash advances are non-recourse on approved invoices. When Resolve Pay approves a buyer for net terms, the seller receives payment upfront and does not bear the credit risk if that approved customer fails to pay due to credit issues. This allows businesses to offer terms with greater confidence and manage their risk exposure more effectively as they scale net terms programs.

How does Resolve Pay integrate with existing business systems?

Resolve Pay provides native integrations with leading ecommerce platforms including Shopify, BigCommerce, WooCommerce, and Magento 2, as well as accounting and ERP systems including QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. The platform also offers flexible API options for custom integration needs. These integrations enable real-time data syncing, automated reconciliation, and seamless workflow management across existing business systems.

What should B2B businesses consider when evaluating net terms platforms?

B2B businesses should evaluate several key factors when choosing a net terms platform: the speed and accuracy of buyer credit decisions, the structure of financing and whether it includes non-recourse protection on approved invoices, the comprehensiveness of AR automation capabilities, integration with existing ecommerce and accounting systems, the customer experience and whether it preserves the seller's brand, and the overall operational efficiency gains. Resolve Pay is designed specifically to address these supplier-side needs through one integrated 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.