While NewCo Capital Group is a notable name in revenue-based financing, B2B companies seeking smarter alternatives are turning to platforms that offer risk-free financing, operational automation, and significantly lower costs. Resolve Pay stands out as the premier alternative, transforming how businesses manage net terms, accounts receivable, and working capital without the high expense and full liability of traditional merchant cash advances.
Resolve Pay represents the fundamental shift businesses need when seeking alternatives to NewCo Capital Group's merchant cash advance model. Rather than providing general working capital through expensive revenue-based financing, Resolve delivers a comprehensive B2B payment infrastructure that addresses the root causes of cash flow challenges: slow-paying customers, manual AR processes, and bad debt risk.
According to the Preferred CFO, cash flow management remains one of the top challenges for small and medium-sized businesses, with late payments contributing significantly to working capital constraints. Resolve's platform directly addresses this critical pain point through its innovative financing and automation approach.
Core Differentiators:
Pricing Advantage:
Unlike NewCo Capital Group's undisclosed factor rates that typically result in APR equivalents of 120-200%, Resolve's transparent pricing structure delivers estimated costs that are 70-90% lower. For a $10,000 invoice, Resolve's fees are significantly more affordable than typical MCA costs of $1,200-$2,000. This dramatic cost difference becomes even more significant when accounting for operational savings—Resolve's automation eliminates the need for AR staff time, collections costs, and bad debt write-offs.
Comprehensive Platform Approach:
Resolve's platform integrates three critical functions into a single solution:
Understanding B2B Payment Challenges:
Research from the Fed Small Business indicates that small business owners frequently cite delayed payments as a major impediment to growth and operational stability. The typical B2B payment cycle of 30-90 days creates significant cash flow gaps that can limit inventory purchases, restrict hiring, and prevent businesses from taking advantage of growth opportunities.
Traditional solutions to this problem—such as merchant cash advances, revenue-based financing, or factoring—often create their own challenges. High costs, restrictive terms, and ongoing debt obligations can actually worsen a company's financial position over time. This is where Resolve's approach differs fundamentally.
Real Business Impact:
Resolve currently serves over 15,000+ businesses across manufacturing, wholesale, distribution, and e-commerce. Case studies demonstrate consistent results: businesses achieve 90% reduction in manual AR work, convert 30-90 day payment terms to 1-day cash, and eliminate bad debt risk through non-recourse protection. Unlike NewCo's model that creates ongoing debt obligations, Resolve's invoice-based financing scales naturally with sales volume without long-term commitments.
The platform's flexible integrations with QuickBooks, NetSuite, BigCommerce, Shopify, and WooCommerce ensure seamless adoption without disrupting existing workflows. For businesses specifically seeking to optimize B2B payment terms rather than secure general working capital, Resolve provides the strategic infrastructure needed for sustainable growth.
Traditional invoice factoring represents another alternative to NewCo Capital Group, though it comes with significant drawbacks compared to modern solutions like Resolve. Factoring companies purchase your invoices at a discount, typically charging monthly fees that can compound over time, often resulting in annual costs that are substantially higher than transparent alternatives.
Key Limitations:
While factoring eliminates some collection risk, it doesn't offer the comprehensive workflow automation, branded customer experience, or transparent pricing that Resolve provides. Additionally, many factoring arrangements include recourse provisions that can leave merchants liable for customer defaults.
Several platforms operate with business models similar to NewCo Capital Group, offering revenue-based financing or merchant cash advances with varying terms and requirements. These solutions share the fundamental characteristics of NewCo's approach: they provide general working capital not tied to specific invoices, require strong monthly revenue, and use factor rate pricing structures.
Common Characteristics:
These platforms serve a different use case than Resolve—they provide emergency working capital for businesses that need immediate cash regardless of their B2B payment terms. However, for companies specifically seeking to optimize their B2B payment processes, manage accounts receivable more efficiently, or offer competitive net terms to customers, these revenue-based solutions don't address the core operational challenges.
Some businesses choose to manage net terms and credit decisions entirely in-house, maintaining complete control over customer relationships and payment terms. While this approach preserves margins by avoiding third-party fees, it exposes businesses to significant operational and financial risks.
Operational Challenges:
In-house credit management works best for businesses with dedicated finance teams, established customer relationships, and sufficient cash reserves to weather payment delays and defaults. However, for growing companies seeking to scale B2B sales while protecting cash flow, the operational burden and financial risk often outweigh the cost savings of avoiding third-party fees.
Industry research shows that delayed B2B payments have become increasingly common, with average payment terms extending and late payment rates rising. This trend makes in-house credit management increasingly risky for businesses without substantial financial cushions.
The true value of Resolve versus NewCo Capital Group becomes clear when examining total cost of ownership over a 12-month period for a business processing $250,000 in annual invoices with Net 30 terms:
Resolve Pay delivers net positive ROI when accounting for AR automation savings (estimated at $15,000 annually for medium-sized businesses) and bad debt elimination, resulting in effective costs that can approach zero or even positive returns. NewCo Capital Group's model represents a pure cost structure with estimated expenses significantly higher, including financing costs, collections expenses, and bad debt write-offs.
This dramatic difference stems from Resolve's dual value proposition: it provides immediate financing while simultaneously eliminating operational inefficiencies and financial risks that plague traditional B2B payment processes.
Choose Resolve Pay when you:
Consider alternatives when you:
For most B2B businesses seeking to optimize their payment terms, improve cash flow, and reduce operational burden, Resolve provides a comprehensive solution that addresses both financing and operational challenges simultaneously.
Resolve's modern architecture delivers implementation timelines measured in days rather than weeks or months. The platform's native integrations with major e-commerce platforms (BigCommerce, Shopify, WooCommerce) and accounting systems (QuickBooks, NetSuite, Xero) enable rapid deployment without custom development.
Key integration benefits include:
This integration capability contrasts sharply with NewCo Capital Group's standalone mobile app approach, which doesn't address the operational inefficiencies inherent in B2B payment processes.
Traditional capital groups like NewCo Capital Group provide revenue-based financing or merchant cash advances that create debt obligations with high factor rates and full merchant liability. Modern alternatives like Resolve focus on specific business processes—in this case, B2B payment terms and accounts receivable—providing non-recourse invoice financing, operational automation, and significantly lower costs. The key difference is that Resolve addresses the root cause of cash flow challenges (slow-paying customers and manual AR processes) rather than just providing general working capital to cover the gap.
B2B payment platforms like Resolve deliver ROI through multiple channels: immediate financing costs are offset by AR automation savings (typically $15,000+ annually for medium businesses), bad debt elimination (estimated at 2-5% of annual sales), and collections cost reduction. Unlike traditional financing that represents pure expense, Resolve's platform can achieve net positive ROI by transforming operational inefficiencies into profit centers. Additionally, offering competitive net terms increases sales volume and customer retention, creating additional revenue growth.
Non-recourse invoice advancement eliminates merchant risk on approved, non-disputed invoices. This means if your customer defaults or pays late, Resolve absorbs the loss—not your business. This protection eliminates bad debt write-offs, protects your balance sheet, and removes the collections burden from your team. Unlike recourse arrangements where you remain liable, non-recourse financing provides true risk transfer, allowing you to offer competitive payment terms without financial exposure.
Resolve's credit assessment combines AI models with human expertise from former Amazon, PayPal, and Fortune 500 professionals to deliver deeper insights than traditional bureaus. The system evaluates thousands of data points in real-time, requiring only a business name and address to deliver results within 24 hours. Traditional credit bureaus rely primarily on historical payment data and credit scores, while Resolve's proprietary models analyze real-time business performance, cash flow patterns, and behavioral signals to make more accurate credit decisions.
Yes, offering net terms through Resolve can significantly increase sales volume according to customer testimonials. B2B buyers prefer purchasing from suppliers who offer flexible payment terms, as it helps them manage their own cash flow and working capital. By removing the barrier of immediate payment requirements, businesses can close more deals, increase average order values, and improve customer retention. Resolve makes this possible without the traditional risks and operational burden associated with offering net terms independently.
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.