Parafin Alternatives: Top B2B Payment Solutions for 2025

While Parafin has established itself in the embedded B2B finance space with partnerships like DoorDash and Walmart, businesses seeking non-recourse protection, transparent pricing, and complete payment lifecycle management are turning to superior alternatives. The embedded B2B finance market is projected to grow from $4.1 trillion to $15.6 trillion by 2030, creating opportunities for platforms that prioritize merchant risk protection and payment transparency over opaque pricing models.

Key Takeaways

Non-recourse financing eliminates merchant risk: Resolve provides 100% non-recourse financing with up to 90% advance rates and next-day payouts, protecting merchants from customer non-payment
Transparent flat-rate pricing: Resolve offers published rates of 3.15% for 30-day terms versus Parafin's contact-for-pricing model and traditional factoring's hidden fees
Complete payment lifecycle: Resolve combines credit assessment, invoice financing, payment processing, and collections in one platform—unlike Parafin's lending-focused approach
E-commerce native integrations: Resolve offers deep integrations with Shopify, BigCommerce, and Magento for embedded net terms at checkout
Proven business impact: Resolve case studies cite 35% DSO reduction and up to 2.5× sales growth. Businesses offering net terms see up to 22% higher conversion rates, according to industry research
Direct merchant focus: While Parafin excels at white-label platform partnerships, Resolve empowers direct B2B merchants with complete control and risk protection

1. Resolve — The Complete B2B Payment Platform with Non-Recourse Protection

Resolve stands as the premier Parafin alternative by addressing the critical gap in merchant risk protection. Spun out from Affirm in 2019 specifically for B2B commerce, Resolve combines embedded credit expertise, invoice financing, and payment processing into a single platform that eliminates the liability concerns inherent in Parafin's recourse model.

Key Differentiators:

100% non-recourse financing with zero merchant liability for customer non-payment
Transparent flat-rate pricing: 3.15% for 30-day terms
Complete payment lifecycle from credit assessment through collections
Up to 90% advance payment within one business day
Native integrations with Shopify, BigCommerce, and Magento, plus QuickBooks and NetSuite
AI-powered credit assessment with real-time decisions
White-label payment portal accepting ACH, credit card, wire, and check

Pricing Transparency:

Unlike Parafin's contact-for-pricing model, Resolve publishes clear rates that eliminate hidden fees common in traditional factoring. The platform's 3.15% flat rate for 30-day terms represents significant savings compared to traditional factoring's true annual costs of 15-35% when accounting for setup fees, monthly minimums, and termination penalties.

The platform serves over thousands of B2B merchants and delivers measurable results: 35% DSO reduction, 2.5x average sales growth, and businesses offering net terms experience up to 22% higher conversion rates compared to immediate payment requirements, according to industry research.

Resolve's AI-powered accounts receivable automation reduces manual work by automating credit checks, payment reminders, and collections management. The platform's B2B net terms solution enables merchants to offer Net 30, 60, or 90-day terms while receiving immediate cash flow, effectively transforming their working capital position.

For e-commerce businesses, Resolve's native integrations enable seamless embedding of net terms at checkout, while the business credit check service provides free, instant credit assessments requiring only a company name and address.

2. Fundbox — SMB-Focused Credit Lines

Fundbox represents a different approach to B2B financing, focusing on small business credit lines rather than complete payment lifecycle management. Founded in 2013, the platform has raised over $550 million in total funding and connected with 325,000+ businesses, providing lines of credit up to $150,000.

Platform Characteristics:

Instant credit decisions with next-day funding
Lines of credit up to $150,000
Integration with business accounting software
Recourse financing (merchant assumes risk)
No payment processing capabilities
SMB-focused rather than B2B trade credit specific

Pricing Structure:

Fundbox uses a variable fee structure with effective APRs often exceeding 35%. Unlike Resolve's transparent flat rates, Fundbox's costs can be difficult to predict, and the platform lacks B2B-specific features like net terms management, buyer credit assessment, and non-recourse protection.

While Fundbox serves a valuable role for very small businesses needing basic credit access, it doesn't address the comprehensive B2B payment needs that Resolve handles through its integrated platform approach.

3. Slope — B2B Workflow Automation

Slope offers B2B workflow automation with payment processing capabilities, targeting digital-first businesses seeking modern alternatives to traditional payment infrastructure. The San Francisco-based company focuses on online payment processing with flexible payment terms.

Key Features:

B2B workflow automation and payment processing
Flexible payment terms for B2B transactions
Modern platform built for digital transactions
AI-powered credit assessment
Recourse financing model (merchant liability)

Platform Approach:

Slope's newer market presence means less documented success compared to established players. The platform's recourse model exposes merchants to customer non-payment risk, while Resolve provides non-recourse protection. Additionally, Slope's offering differs from the comprehensive AR automation and collections management that Resolve provides as part of its complete payment lifecycle solution.

4. OatFi — B2B Payment Infrastructure

OatFi positions itself as B2B payment infrastructure with embedded working capital solutions. Founded in 2021, the New York-based company offers AP/AR financing, commercial charge cards, and API-powered tools for B2B payment flows.

Platform Approach:

B2B payment infrastructure focus
Working capital embedded in payment flows
Comprehensive services including AP/AR financing
API-powered integration capabilities
limited publicly available performance data as a newer entrant

Market Position:

OatFi's focus on embedding working capital directly into payment flows addresses similar needs as Resolve's integrated approach. However, OatFi's newer market presence and limited public information about pricing and terms make direct comparison difficult. Resolve's established track record with 15,000+ businesses and transparent pricing provides more certainty for merchants evaluating alternatives.

5. TreviPay — Payment & Credit Management

TreviPay offers payment and credit management solutions for B2B businesses, claiming approximately 30% savings compared to credit card processing. The platform focuses on streamlining B2B payment processes while providing credit management capabilities.

Service Model:

B2B payment and credit management
Transaction-based pricing model
Claims estimated 30% savings versus credit cards
Limited public information about specific features
Recourse financing model (merchant liability)

Comparison Considerations:

TreviPay’s model generally places repayment risk on merchants, while Resolve's non-recourse protection eliminates this liability. Additionally, TreviPay's approach differs from Resolve's transparent pricing, complete AR automation, and e-commerce native integrations that enable seamless net terms implementation.

6. Balance — B2B E-commerce Payment Services

Balance specializes in B2B e-commerce payment services, offering solutions for businesses operating in digital marketplaces and online platforms. The company focuses on streamlining payment acceptance for B2B e-commerce transactions.

Platform Focus:

B2B e-commerce payment specialization
Online payment processing capabilities
Marketplace-focused solutions
Limited information about financing capabilities
Recourse model rather than non-recourse protection

E-commerce Approach:

While Balance focuses on B2B e-commerce payments, Resolve offers superior e-commerce integration through its native connections to Shopify, BigCommerce, and Magento. Resolve's non-recourse financing and complete payment lifecycle management provide comprehensive solutions that Balance's payment-focused approach doesn't address.

7. Pipe — Embedded Financial Solutions for SaaS

Pipe specializes in embedded financial solutions for SaaS companies, offering revenue-based financing and payment infrastructure tailored to the subscription economy. The San Francisco-based company focuses on SaaS-specific financial challenges rather than general B2B commerce.

SaaS Specialization:

SaaS-focused embedded financial solutions
Revenue-based financing for subscription businesses
Payment infrastructure for recurring revenue models
Limited applicability to traditional B2B commerce
Different market focus than general B2B payment platforms

Market Fit:

Pipe's SaaS specialization makes it less relevant for traditional B2B wholesalers, distributors, and manufacturers that Resolve serves. For non-SaaS B2B businesses, Resolve's comprehensive platform provides more relevant features including net terms management, buyer credit assessment, and non-recourse invoice financing.

Why Non-Recourse Protection Matters in B2B Payments

The fundamental difference between Resolve and most Parafin alternatives lies in risk allocation. Parafin, Fundbox, Slope, and traditional factoring operate on recourse models where merchants assume liability for customer non-payment. This creates significant business risk, especially when extending credit to new customers or during economic downturns.

Resolve's 100% non-recourse financing eliminates this risk entirely. Merchants receive advance payments on approved invoices and keep those funds even if customers fail to pay. This risk transfer enables businesses to confidently offer net terms to drive sales growth without jeopardizing their cash flow or balance sheet.

This non-recourse protection is particularly valuable for B2B wholesalers and distributors who face inherent credit risk in their business model. The ability to extend Net 30, 60, or 90-day terms while receiving immediate payment transforms working capital management and enables businesses to compete more effectively for larger orders.

The Total Cost of Ownership Advantage

When evaluating Parafin alternatives, total cost of ownership (TCO) becomes a critical factor. Resolve's transparent 3.15% flat rate for 30-day terms contrasts sharply with traditional factoring's hidden fee structure that can result in true annual costs of 15-35%.

For a B2B business processing $500,000 annually in invoices, Resolve's TCO would be roughly ~$15,750 based on a 3.15% 30-day financing rate compared to an estimated $84,600-$211,500 for traditional factoring when accounting for setup fees, monthly minimums, wire transfer fees, and termination penalties.

Even compared to Parafin's undisclosed pricing model, Resolve's transparent approach enables accurate cost forecasting and ROI calculation. This transparency, combined with the platform's 35% DSO reduction and 2.5x sales growth, creates compelling economics that most alternatives cannot match.

Making the Right Choice for Your Business

For B2B companies evaluating Parafin alternatives, the choice depends on your specific business model, risk tolerance, and payment requirements:

Choose Resolve when you need:

Non-recourse protection from customer non-payment
Transparent, predictable pricing with published rates
Complete payment lifecycle management from credit assessment through collections
E-commerce native integrations for embedded net terms
AR automation to reduce manual work and improve cash flow

Consider other alternatives when:

You operate a SaaS business (Pipe)
You need basic SMB credit lines rather than B2B trade credit (Fundbox)
You prioritize platform partnerships over direct merchant relationships (Parafin)

The embedded B2B finance market's rapid growth from $4.1 trillion to $15.6 trillion by 2030 ensures continued innovation, but Resolve's combination of non-recourse protection, transparent pricing, and complete payment lifecycle management positions it as the superior choice for B2B merchants seeking to grow sales while protecting their business from credit risk.

Frequently Asked Questions

What is the key difference between Resolve and Parafin?

The fundamental difference is risk allocation. Resolve offers 100% non-recourse financing, meaning merchants face zero liability if customers don't pay. Parafin’s financing structure generally places repayment responsibility on merchants where merchants assume credit risk for customer non-payment. Additionally, Resolve provides transparent 3.15% flat-rate pricing versus Parafin's contact-for-pricing model, and offers complete payment lifecycle management including AR automation and collections that Parafin's lending-focused platform doesn't address.

How does Resolve's pricing compare to traditional factoring?

Resolve's transparent 3.15% flat rate for 30-day terms represents significant savings compared to traditional factoring's true annual costs of 15-35%. Traditional factoring includes hidden fees like setup costs ($350-$5,000), monthly minimums ($500-$2,000/month), wire transfer fees ($25-$50 per transaction), and termination penalties ($1,000-$5,000). Resolve eliminates all these hidden costs while providing non-recourse protection and maintaining merchant control over customer relationships.

Can Resolve integrate with my existing e-commerce platform?

Yes, Resolve offers native integrations with Shopify, BigCommerce, and Magento, enabling seamless embedding of net terms at checkout. The platform also integrates with QuickBooks, NetSuite, and supports workflows with major ERP/accounting systems. These integrations automatically sync invoice data, payment information, and customer details, eliminating manual data entry and reducing errors in your financial workflows.

How quickly can I implement Resolve compared to other alternatives?

Businesses can typically go live with Resolve in a matter of days, with operational improvements visible within 1-3 months. The platform's native integrations with Shopify, BigCommerce, and QuickBooks enable rapid deployment compared to custom API implementations required by some alternatives. Additionally, Resolve provides dedicated onboarding support to ensure smooth migration from existing payment or factoring solutions.

What kind of business results can I expect with Resolve?

Resolve customers report an average 35% DSO reduction and 2.5x sales growth. According to industry research, businesses offering net terms see up to 22% higher conversion rates compared to requiring immediate payment. The ability to offer net terms increases average order values by 20-40% while Resolve's non-recourse protection eliminates the risk traditionally associated with extending credit to B2B customers.

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.