National Business Capital & Services Alternatives

While National Business Capital has funded over $2.5 billion since 2007 through its network of 75+ lenders, many B2B businesses are shifting to alternatives that reduce reliance on traditional debt, limit bad-debt exposure, and automate accounts receivable workflows. Resolve Pay's B2B Payments Platform leads this transformation with non-recourse financing that provides working capital without the burden of traditional loans.

Key Takeaways

Non-recourse financing eliminates risk: Resolve provides 100% non-recourse financing with zero merchant liability for customer defaults, unlike National Business Capital's recourse loan model
AI-powered instant decisions: Modern platforms deliver credit approvals in seconds versus days or weeks with traditional lenders, accelerating sales cycles
Balance-sheet friendly working capital: Invoice-based financing can reduce the need for new term debt and help preserve borrowing capacity (exact accounting treatment varies by structure and your finance team’s policies)
Complete AR automation reduces manual work: End-to-end workflow automation from credit checks to collections can meaningfully reduce AR workload and manual follow-ups
Predictable flat fees vs. variable APR: Resolve’s pricing is presented as a flat fee (often starting in the low-single digits), offering clearer cost visibility than APR-based loan offers
Embedded net terms can lift order sizes: Offering flexible payment terms can increase average order value and conversion for qualified buyers while maintaining cash-flow predictability

Modern B2B businesses are shifting toward platforms that combine financing, automation, and risk management in a single solution, driven by the need for working capital that doesn't compromise balance sheet health or customer relationships.

1. Resolve — The Modern Alternative to Traditional Business Lending

Resolve Pay emerges as the premier National Business Capital alternative by fundamentally reimagining B2B financing through its non-recourse model and AI-powered automation. Founded in 2019 as a spin-off from Affirm, Resolve brings consumer fintech innovation to B2B commerce, serving thousands of merchants with backing from Initialized Capital and Commerce Ventures.

Key Features:

100% non-recourse financing with zero merchant risk for approved, non-disputed invoices
AI-powered credit decisions in seconds using proprietary underwriting models
Net 30, 60, or 90-day terms with flexible installment options
Advance payments up to 90% within 24 hours of invoice approval
Transparent flat fees ranging from 2.61-3.5% based on advance percentage and risk
Seamless integration with QuickBooks, NetSuite, and Shopify
White-label payment portal maintaining brand relationships

Pricing Structure:

Flat fee model: 2.61-3.5% for 30-day net terms with up to 100% advance
No monthly minimums, setup fees, or hidden charges
Risk-based advance rates: 50%, 75%, or 90% based on buyer creditworthiness
Custom enterprise pricing for high-volume businesses

Resolve's Accounts Receivable with AI-Powered Automation reduces manual work by 70-83% through end-to-end workflow automation. The platform's LLM-powered invoicing automatically syncs transactions across systems, while AI agents manage payment reminders and collections without merchant intervention.

Unlike traditional financing that creates debt obligations,Resolve’s invoice-based financing can support working-capital needs without adding a traditional term loan, helping businesses preserve flexibility for other financing options. This approach has enabled businesses to scale pre-season orders without taking on additional risk and win new business through competitive net terms offerings.

For businesses seeking to streamline net terms while eliminating default risk, Resolve provides a comprehensive solution that addresses the core limitations of traditional business lending.

2. TreviPay — Enterprise Global Payments Platform

TreviPay is an established enterprise option with decades of experience in global B2B payments. The platform processes billions annually and offers comprehensive order-to-cash automation for global enterprises.

Platform Capabilities:

Multi-currency support across multiple currencies
Insured receivables through Allianz Trade partnership
Full order-to-cash automation suite
Enterprise ERP integrations
Global payment infrastructure

Pricing Considerations:

Enterprise-focused with estimated $200+/month minimums
Custom pricing requiring negotiations
Implementation typically takes several months
Insured receivables model shares risk rather than eliminating it entirely

3. Balance — API-First Marketplace Solution

Balance has emerged as a developer-friendly alternative with a focus on marketplace and SaaS businesses. The platform offers extensive API capabilities with hundreds of integrations and a Stripe-like developer experience.

Technical Strengths:

300+ API integrations for custom implementations
Self-serve checkout with multiple payment methods
White-label payment experiences
Developer-first documentation and support
Payment flexibility including ACH, wire, card, and net terms

Balance excels for businesses with strong development resources seeking to embed B2B payments into custom applications.

4. Bluevine — Digital Working Capital Solutions

Bluevine offers a digital-first approach to traditional business financing with lines of credit up to $250,000 and invoice factoring services.

Service Offerings:

Business lines of credit up to $250,000
Invoice factoring with advance rates up to 90%
QuickBooks integration for financial data
Online application process with digital approval

Cost Structure:

Simple interest rates on credit line draws
Factoring fees vary by invoice terms
Recourse factoring model creates merchant liability
Revenue requirements of $100,000+ annually

Bluevine provides accessible working capital for businesses with established revenue, though its recourse factoring model maintains default risk with merchants.

5. OnDeck — Fast Funding with Term Loans

OnDeck pioneered online business lending with same-day funding capabilities for qualified applicants. The platform serves over 150,000 businesses with term loans and lines of credit.

Core Features:

Same-day funding for qualified applicants
Loan amounts from $5,000 to $500,000
Terms from 3 to 36 months
Online application and approval process

Pricing Reality:

Average APR around 52% for term loans
Creates debt obligations on balance sheets
Recourse lending with full merchant liability
Minimum revenue requirements of $100,000+

OnDeck provides rapid access to capital but at higher costs than non-recourse alternatives. The traditional loan structure impacts debt-to-equity ratios and may limit access to other financing options.

Strategic Advantages of Modern Non-Recourse Financing

The shift toward non-recourse B2B financing reflects growing merchant demand for working capital solutions that don't compromise financial health or customer relationships. According to industry research, businesses using modern platforms report significant operational and financial benefits.

Cost Comparison for $100,000 in Financing:

Resolve: $2,610-$3,500 (flat fee, no debt creation)
National Business Capital: APR-based debt offers (cost varies by offer, term, and borrower profile)
Traditional factoring: $5,000-$20,000 (5-20% discount plus fees)

Implementation Timeline:

Resolve: 1-2 weeks with seamless integration
National Business Capital: 1-3 days (but doesn't solve AR challenges)
Enterprise platforms: Several months typical setup

Risk Management:

Resolve: 100% non-recourse financing eliminates merchant default risk
Traditional lenders: 100% recourse creates full merchant liability
Insured platforms: Partial risk sharing through third-party insurance

For companies seeking to accelerate cash flow with invoice advancement while maintaining customer relationships, modern non-recourse platforms provide a compelling alternative to traditional business lending.

Making the Right Choice for Your Business

When evaluating National Business Capital alternatives, consider your specific business needs, growth stage, and risk tolerance:

By Business Profile:

B2B manufacturers/distributors: Resolve (non-recourse protection, AR automation)
Global enterprises: TreviPay (multi-currency, international infrastructure)
Marketplace operators: Balance (API-first, developer-friendly)
Traditional working capital needs: Bluevine or OnDeck (debt-based financing)

Critical Evaluation Criteria:

Risk exposure: Non-recourse vs. recourse financing
Balance sheet impact: Advances vs. debt creation
Implementation speed: Days vs. months to go live
AR automation: End-to-end workflow vs. financing only
Pricing transparency: Flat fees vs. variable APR

For businesses prioritizing risk elimination, balance sheet health, and operational efficiency, Resolve's integrated platform offers the most comprehensive solution. The ability to enhance customer buying power through net terms while receiving immediate payment creates a powerful competitive advantage.

Frequently Asked Questions

How does Resolve's non-recourse financing differ from traditional small business loans?

Unlike traditional loans that create debt obligations and maintain full merchant liability, Resolve's non-recourse financing eliminates default risk for approved invoices. Merchants receive up to 90% advance payments within 24 hours without creating balance sheet liabilities. According to industry analysis, this approach preserves debt-to-equity ratios and maintains access to traditional bank financing while providing working capital.

Can Resolve support both online and offline B2B sales channels?

Yes, Resolve supports omnichannel B2B sales through its B2B Payments Platform. The platform integrates with e-commerce platforms like Shopify and BigCommerce for online transactions while also supporting traditional offline sales through manual invoice creation and credit management. This unified approach ensures consistent payment terms and credit decisions across all sales channels.

What kind of integrations does Resolve offer for existing accounting and e-commerce platforms?

Resolve offers native integrations with leading platforms including QuickBooks, NetSuite, Xero, Shopify, BigCommerce, Magento, and WooCommerce. The platform automatically syncs transaction data in real-time, eliminating manual data entry and ensuring accurate financial reporting. These integrations enable seamless credit checking, invoicing, and payment reconciliation across your existing tech stack.

How quickly can my business receive funds for approved invoices with Resolve?

Resolve provides advance payments within 24 hours for approved invoices, with advance rates up to 90% based on buyer creditworthiness. The AI-powered underwriting delivers credit decisions in seconds, enabling rapid approval for established customers. This immediate access to working capital contrasts sharply with traditional financing that can take days or weeks to fund.

How does Resolve manage credit decisions and reduce risk for sellers offering net terms?

Resolve's proprietary AI models evaluate thousands of data points to generate dynamic credit decisions in seconds. The platform's experts—formerly of Amazon, PayPal, and Fortune 500 firms—deliver fast, transaction-level credit decisions designed for B2B orders and invoices. For approved customers, Resolve assumes 100% of the default risk through non-recourse financing, allowing merchants to offer net terms without exposing their business to bad debt. The automated collections management further reduces operational burden while maintaining customer relationships through white-label communication.

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.