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.
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:
Pricing Structure:
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.
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:
Cost Considerations:
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.
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:
Cost Structure:
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.
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:
Model Limitations:
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.
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:
Cost and Complexity Considerations:
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.
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):
Estimated Annual TCO — Assuming $100K Monthly Invoicing Volume:
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.
For B2B companies evaluating InterNex Capital alternatives, the choice depends on your business stage, technical requirements, and risk tolerance:
By Business Profile:
Implementation Timeline Reality:
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.
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.
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.
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.
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.
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.