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.
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.
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.
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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.
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.
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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.
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Balance excels for businesses with strong development resources seeking to embed B2B payments into custom applications.
Bluevine offers a digital-first approach to traditional business financing with lines of credit up to $250,000 and invoice factoring services.
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Bluevine provides accessible working capital for businesses with established revenue, though its recourse factoring model maintains default risk with merchants.
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.
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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.
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:
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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.
When evaluating National Business Capital alternatives, consider your specific business needs, growth stage, and risk tolerance:
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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.
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.
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.
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.
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.
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.