While Microsoft Dynamics NAV served B2B businesses well for decades, the evolution to Dynamics 365 Finance has left many companies seeking alternatives that offer embedded net terms without massive implementation costs or retained credit risk. From Resolve's non-recourse financing to specialized AR automation platforms, these solutions deliver what traditional ERPs cannot: risk-free B2B credit and immediate cash flow.
The B2B payments landscape has transformed dramatically, with AI-powered automation and non-recourse financing becoming essential for growing companies. According to recent Federal Reserve research, B2B payment optimization has become a top priority for businesses seeking to improve working capital management. While Dynamics 365 Finance maintains its position as an enterprise ERP, five alternatives stand out for their unique strengths in addressing the specific gaps that ERPs leave in B2B credit and cash flow management.
Resolve stands out as the premier alternative for businesses seeking to offer B2B net terms without assuming credit risk or waiting 30-90 days for payment. Unlike traditional ERPs that merely track receivables, Resolve completely transforms the B2B payment experience by advancing up to 90% of invoice value within 1-2 business days while assuming all default risk.
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Resolve's platform combines what were previously disparate resources needed for B2B commerce into a single solution: embedded credit expertise, embedded invoice financing, and embedded payments. The AI-driven platform automates the entire net terms workflow from invoice to payment, utilizing LLMs to manage all invoice types with fewer errors and reduced manual input.
The evolution of B2B payments has accelerated significantly in recent years. U.S. Chamber of Commerce data shows that businesses offering flexible payment terms see higher customer retention and larger order values. Resolve capitalizes on this trend by making net terms accessible to businesses of all sizes without the traditional barriers of credit risk and cash flow constraints.
Recent case studies demonstrate significant impact: companies report up to 60% faster payment cycles, around 50% less time managing receivables, and up to 9x faster credit checks compared to traditional processes. Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating the collections burden entirely.
The integration capabilities extend beyond basic data sync. Resolve's API-first architecture allows for deep customization and automation of workflows. Businesses can embed credit applications directly into their checkout flows, automatically sync customer data with their ERP systems, and receive real-time notifications of payment status changes. This level of integration reduces manual data entry by an estimated 90%, freeing finance teams to focus on strategic initiatives rather than administrative tasks.
The platform currently serves over 15,000 businesses with backing from Initialized Capital and Commerce Ventures, demonstrating the market's confidence in Resolve's approach to B2B payments. The company's growth trajectory reflects broader market trends toward embedded finance solutions that simplify complex B2B transactions.
Microsoft Dynamics 365 Finance represents the evolution of Dynamics NAV, offering comprehensive enterprise resource planning capabilities with integrated accounts receivable management. While not a direct replacement for Resolve's financing capabilities, D365 Finance provides robust financial management for organizations requiring full ERP functionality.
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Dynamics 365 Finance excels for companies needing comprehensive ERP capabilities beyond just accounts receivable management. However, organizations specifically seeking B2B net terms financing or risk-free cash flow acceleration will need to supplement D365 Finance with a specialized solution like Resolve.
The platform's strength lies in its comprehensive business management capabilities rather than specialized financing features, making it complementary rather than competitive with dedicated B2B payment platforms.
NetSuite by Oracle offers a cloud-native ERP solution with strong ecommerce integration through SuiteCommerce. The platform provides comprehensive financial management with integrated accounts receivable automation, making it suitable for growing mid-market companies.
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NetSuite's primary advantage over traditional ERPs is its cloud-native architecture and integrated commerce capabilities. However, like other ERPs, it lacks the specialized B2B financing features that Resolve provides. Companies using NetSuite can integrate Resolve to add non-recourse net terms financing without replacing their core ERP system.
The platform is particularly well-suited for companies with significant ecommerce operations that need unified commerce and financial management, but still require external financing solutions for B2B credit offerings.
Billtrust Unified AR focuses exclusively on accounts receivable automation, providing a comprehensive suite for order-to-cash processes. The platform serves mid to upper mid-market B2B companies with extensive AR automation capabilities but no built-in financing.
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Billtrust excels at automating AR processes for companies with high-volume, complex operations. The platform is best suited for companies that prioritize automation capabilities and have already addressed their financing needs through other means.
HighRadius provides enterprise-grade accounts receivable automation with industry-leading AI capabilities, particularly in cash application. The platform serves large enterprises with global operations requiring sophisticated AR management.
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Enterprise Profile:
HighRadius represents advanced AR automation technology for large enterprises with extremely high-volume, complex operations. The platform is ideal for organizations that have already solved their financing needs and require sophisticated automation capabilities.
For B2B companies evaluating alternatives to traditional NAV implementations or seeking to enhance their current ERP capabilities, the choice depends on specific business requirements. Understanding your company's unique needs around financing, risk management, and operational complexity is essential to selecting the right solution.
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The strategic advantage of Resolve is its ability to integrate with existing ERP systems, providing the missing financing and risk management capabilities without requiring costly and disruptive system replacements. This approach allows companies to maintain their current investments while gaining access to modern B2B payment capabilities.
Industry research indicates that businesses implementing specialized financing solutions alongside their existing ERPs achieve faster time-to-value and lower total cost of ownership compared to full ERP replacements. The modular approach allows companies to address specific pain points—such as cash flow constraints and credit risk—without disrupting established financial processes.
Resolve differs fundamentally from ERPs like Dynamics 365 Finance by providing 100% non-recourse B2B financing rather than just tracking receivables. While ERPs require you to maintain all credit risk and wait 30-90 days for customer payments, Resolve advances up to 90% of invoice value within 1-2 days and assumes all default risk. Additionally, Resolve implements in 1-2 weeks compared to 9-24 months for ERP migrations, with significantly lower total cost of ownership. Resolve integrates seamlessly with your existing ERP rather than replacing it, enhancing your current infrastructure with specialized financing capabilities.
Yes, Resolve is designed to work alongside your existing accounting system rather than replace it. The platform offers seamless integrations with QuickBooks, NetSuite, Xero, Oracle, and other major accounting platforms. Resolve automatically syncs transaction data in real-time, pushing records directly to your accounting system linked to the original invoice. This integration approach allows you to maintain your current financial management system while gaining access to Resolve's specialized B2B financing and risk management capabilities, reducing manual work by an estimated 90% through automated reconciliation.
Resolve offers dramatically faster implementation compared to ERP alternatives, with typical setup completed in 1-2 weeks versus 9-24 months for Dynamics 365 Finance or other enterprise ERP implementations. This accelerated timeline is possible because Resolve integrates with your existing systems rather than requiring complete replacement. The platform uses pre-built connectors for major accounting and ecommerce platforms, with dedicated implementation support ensuring smooth onboarding. This faster time-to-value means you can start offering risk-free net terms and receiving immediate cash flow within days rather than waiting months for ERP migrations to complete.
Resolve's pricing is significantly more transparent and cost-effective than both traditional factoring and AR automation platforms. With risk-based pricing around 2.79% for 30-day net terms and up to 3.5% for higher advances, Resolve eliminates the complex fee structures and hidden charges common in traditional factoring (which typically charges 12-60% APR) and enterprise AR platforms. Additionally, Resolve's non-recourse financing eliminates bad debt costs entirely, while traditional AR platforms leave you responsible for estimated 1-3% average bad debt expenses. The total cost of ownership is typically 50-75% lower than enterprise alternatives when accounting for implementation costs, ongoing fees, and credit risk expenses.
Resolve's approach is unique because it's the only platform offering 100% non-recourse B2B BNPL financing combined with embedded checkout capabilities for B2B ecommerce. While competitors focus either on ERP functionality (Dynamics 365, NetSuite) or AR automation (Billtrust, HighRadius), Resolve solves the fundamental cash flow and credit risk challenges that these platforms cannot address. The platform's embedded payments architecture allows B2B businesses to offer net terms like a bank while getting paid immediately, completely transforming the traditional B2B payment experience. This unique combination of financing, risk management, and seamless integration has helped the company grow to serve over 15,000 businesses across diverse industries.
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.