PEAC Solutions Alternatives for B2B Net Terms and AR Automation

While PEAC Solutions has reported $1.49 billion in U.S. new business volume for 2024, B2B businesses seeking net terms, accounts receivable automation, and invoice financing are finding superior alternatives that offer transparent pricing, non-recourse protection, and AI-powered automation. From Resolve's risk-free net terms platform to specialized AR automation solutions, these alternatives deliver the working capital and payment capabilities modern B2B companies need without the customer service issues and opaque pricing that plague traditional equipment lenders.

Key Takeaways

Different markets, different solutions: PEAC Solutions specializes in equipment leasing and working capital loans, while Resolve focuses exclusively on B2B net terms, invoice financing, and AR automation—complementary rather than directly competitive services
Non-recourse financing eliminates risk: Resolve provides 100% non-recourse net terms financing with up to 90% advance payment within one day and transparent, example flat-fee pricing around 3.15–3.5% for Net 30 terms (as of 2025)
AI automation reduces manual work: Recent customer success stories highlight significant impact, with businesses reporting that work required decreased by up to 90% through automated credit checks, payment reminders, and collections workflows
Transparent vs opaque pricing: Resolve publishes clear fee structures while PEAC Solutions uses undisclosed "risk-based" rates that vary by multiple factors
Customer service quality matters: Resolve consistently receives outstanding support reviews while PEAC Solutions has more mixed feedback about billing transparency and service responsiveness
E-commerce integration is essential: Resolve offers native integrations with Shopify, BigCommerce, WooCommerce, and Magento for embedded net terms at checkout—capabilities PEAC Solutions lacks entirely

1. Resolve — AI-Powered Net Terms Without the Risk

Resolve emerges as the premier alternative for B2B businesses seeking net terms, invoice financing, and accounts receivable automation. Unlike PEAC Solutions which focuses on equipment leasing, Resolve specializes exclusively in B2B payment automation, serving over 12,000 businesses with a platform designed to eliminate the friction, risk, and manual work of traditional net terms.

Key Features:

100% non-recourse financing with zero merchant risk on approved invoices
AI-powered credit decisions in seconds using proprietary models
Net 30, 60, or 90-day terms
Up to 90% advance payment within one business day
Transparent flat-fee pricing of 3.15-3.5% for Net 30 terms
QuickBooks and NetSuite integrations
White-label payment portal accepting ACH, wire, credit card, and check

Pricing Structure:

Fees range from 3.15-3.5% for Net 30 terms based on risk and advance percentage
No monthly minimums, setup fees, or hidden charges
Advance payment options of 50%, 75%, or 90% based on merchant preference
Custom pricing for enterprise volumes

The platform's AI-powered AR automation significantly reduces manual work, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Recent customer success stories demonstrate significant impact: businesses report dramatically improved efficiency, faster credit decisions, and major productivity gains, with one customer noting that work required from their end decreased by at least 90%.

Resolve maintains merchant control over customer relationships while eliminating the collections burden. The platform's customer service consistently receives praise for being outstanding, responsive, and expert—addressing a key pain point that many businesses experience with traditional financing providers.

For B2B e-commerce businesses, Resolve offers native integrations with Shopify, BigCommerce, WooCommerce, and Magento, enabling embedded net terms at checkout that increase conversion rates and average order values. The platform also provides instant credit approvals for purchases up to $25,000, expanding buying power for qualified customers.

2. Fundbox — Quick Capital for Small Businesses

Fundbox occupies a distinct niche providing credit lines from $1,000 to $150,000 for small businesses that traditional lenders might overlook. Since 2013, the platform has provided billions in funding to hundreds of thousands of businesses (as of 2025).

Speed and Accessibility:

Instant decisions with next-day funding
Credit lines up to $150,000
12, 24, or 52-week repayment terms
Typically requires a personal guarantee rather than collateral
Simple application process

High-Cost Structure:

Fees typically start around 4.66% for 12-week plans
Effective APR often exceeds 35%
Weekly payment structure with amortized fees
Late payment fees of approximately $50 plus NSF charges

While expensive compared to Resolve's transparent pricing, Fundbox provides critical funding when banks won't help. According to Journal of Financial Stability on small business financing, alternative lenders like Fundbox serve an important role for businesses with limited credit access. The platform's focus on small business accessibility makes it suitable for companies needing immediate working capital, though the high costs make it less viable for regular net terms financing.

3. Versapay — AR Automation Without Credit Complexity

Versapay takes a fundamentally different approach by focusing exclusively on accounts receivable automation rather than credit extension. Processing over $170 billion annually across 110 million transactions, Versapay serves 10,000+ customers with a collaborative AR platform.

Core Features:

81% customer portal adoption rate (vs 20% industry average)
AI-powered cash application with 90%+ matching accuracy
Real-time dispute resolution capabilities
Native ERP integrations (NetSuite, Dynamics 365, Sage)
Automated payment reminders and collections workflows
Level 2/3 optimization that reduces processing costs

Subscription Pricing:

Mid-market average: approximately $5,423 annually
Enterprise plans: up to $33,000 annually
Additional payment processing fees based on method and volume
Custom pricing for high-volume businesses

Customer testimonials praise the platform's efficiency gains, with businesses reporting significant reductions in manual AR work. However, companies specifically seeking net terms financing will need to pair Versapay with another solution, as it doesn't provide credit extension or invoice financing capabilities.

4. Bill.com — Comprehensive Financial Automation

Bill.com has built a substantial B2B payment network with approximately 500,000 business customers and 8.3 million total network members. The publicly traded company provides comprehensive AP and AR automation beyond simple credit extension.

Network Advantages:

Automated invoice processing with OCR technology
Customizable approval workflows for payments
Credit lines from $1,000 to $5 million
Two-way sync with QuickBooks and Xero
Mobile app for on-the-go approvals
Automatic vendor enrollment through network effects

Tiered Pricing Model:

Essentials: $45/user/month
Team: $55/user/month
Corporate: $79/user/month
Enterprise: Custom pricing with transaction fees

Customer feedback highlights the user-friendly interface, though some note international payments can take seven or more days. The platform's broad scope may include unnecessary features for businesses specifically seeking net terms financing, making it better suited for companies wanting comprehensive financial automation.

5. Slope — Enterprise B2B Payments with AI Innovation

Slope represents the next evolution in B2B payments with strategic backing from major financial institutions. Founded in 2021, the company has quickly gained traction with enterprise clients.

Advanced Capabilities:

10-30 second approval decisions using AI underwriting
Cash flow underwriting beyond traditional credit scores
Net 30, 60, and installment plans up to 90 days
Zero risk to merchants through non-recourse financing
Advanced AI models for credit evaluation
Enterprise-grade security and compliance

Competitive Pricing:

Custom pricing based on advance percentage, buyer risk, and terms
Volume-based discounts available
No setup or monthly fees
Enterprise pricing requires direct consultation

Slope's focus on Fortune 500 companies and wholesale operations addresses enterprise needs with modern technology. However, as a relatively young company, it may not yet match the established track record of more mature platforms like Resolve, which has been serving B2B businesses since 2019.

6. Now — Proven Track Record in B2B Payment Acceleration

Now Corp represents a mature alternative with a proven "Sell Now, Collect Now" approach that has processed over $1 billion in invoices since 2010. Co-founded by serial entrepreneur Lara Hodgson, this Atlanta-based platform has built a sustainable 14-year track record.

Key Features:

Payment in 2 business days vs traditional 90-120 day cycles
100% non-recourse financing with zero merchant liability
Automated accounts receivable management and collections
QuickBooks Online integration and REST API access
Specialization in B2B and B2G (business-to-government) transactions
No personal guarantees or credit checks required

Transparent Pricing Structure:

Transaction fees: 3-5% per invoice based on terms
Payment Administration: $5 per invoice for AR management only
No setup fees, monthly minimums, or hidden charges
Off-balance-sheet transactions that don't affect debt ratios

The platform has achieved significant recognition, including selection as one of CNBC's World's Top Fintech Companies in 2023. Now's unique positioning focuses on supporting diverse and underserved businesses, making it particularly suitable for companies working with government contracts or seeking to support economic equity initiatives.

7. Balance — Developer-First B2B Payments

Balance has raised $56 million in Series B funding with backing from major technology investors including Stripe and Salesforce Ventures. The company distinguishes itself through a developer-first approach that makes B2B payments as simple as consumer payments.

Platform Strengths:

Self-serve checkout supporting all payment methods
Credit cards, ACH, wire, checks, and net terms
Implementation in days, not months
300+ APIs for custom integrations
Hosted checkout with minimal code requirements
Consumer-grade B2B experiences

Transparent Fees:

Custom pricing models based on usage
IC+ optimization that can save up to 150 basis points
Next-day merchant payouts
Next-day merchant payouts through Balance’s trade credit infrastructure

Notable clients include major marketplace operators, demonstrating strong traction in e-commerce environments. Customer feedback consistently describes setup as "incredibly easy," comparing the experience favorably to Stripe's developer experience. The platform's focus on marketplaces and developer-friendly integration makes it ideal for businesses prioritizing speed to market and user experience.

Making the Right Choice for Your Business

For B2B companies evaluating PEAC Solutions alternatives, the choice ultimately depends on your specific needs, as PEAC primarily serves the equipment financing market while these alternatives focus on net terms, invoice financing, and AR automation.

By Business Need:

B2B Net Terms and Invoice Financing: Resolve (non-recourse, transparent pricing, AR automation)
Small Business Working Capital: Fundbox (quick access, higher cost structure)
AR Automation Only: Versapay (comprehensive automation without credit)
Comprehensive Financial Automation: Bill.com (AP/AR combined solution)
Enterprise B2B Payments: Slope (enterprise focus, AI innovation)
Government Contracting: Now (B2G specialization)
Marketplace Operations: Balance (developer-friendly, marketplace focus)

Critical Considerations:

Risk Management: Choose non-recourse financing like Resolve to eliminate credit risk
Pricing Transparency: Prioritize published fee structures over opaque "risk-based" pricing
Integration Requirements: Ensure compatibility with your existing e-commerce and accounting systems
Customer Experience: Select platforms with proven customer service track records
Implementation Speed: Modern platforms offer integration in days versus months

For businesses specifically seeking net terms, invoice financing, and AR automation, Resolve stands out as the comprehensive solution that addresses all these needs with transparent pricing, non-recourse protection, and AI-powered automation. The platform's focus on B2B payment automation—rather than equipment financing—makes it the ideal alternative for companies looking to offer net terms to their customers while protecting their cash flow and reducing manual work.

Frequently Asked Questions

What are the main differences between PEAC Solutions and Resolve Pay?

PEAC Solutions and Resolve Pay serve fundamentally different markets. PEAC Solutions is the world's largest independent equipment financing provider with $1.49 billion in annual volume, specializing in multi-year equipment leases and working capital loans. Resolve Pay focuses exclusively on B2B net terms, invoice financing, and accounts receivable automation, offering non-recourse financing with transparent pricing of 3.15-3.5% for Net 30 terms. While PEAC finances the equipment you buy, Resolve finances the invoices you sell.

How long does it take to migrate from PEAC Solutions to an alternative platform?

Migration timelines vary by platform and complexity. Resolve offers integration in hours to days through turnkey connectors with platforms like BigCommerce, Shopify, and QuickBooks. Balance typically requires 1-2 days for developer-focused setup. Versapay averages 2-4 weeks including ERP integration and training. Since PEAC Solutions and these alternatives serve different primary functions (equipment financing vs net terms), many businesses actually use both solutions simultaneously rather than migrating completely from one to the other.

What are typical fees for B2B net terms platforms compared to PEAC?

Resolve provides transparent example pricing around 3.15–3.5% for Net 30 terms (as of 2025) with no hidden costs. PEAC Solutions uses undisclosed "risk-based" rates that vary by business credit, personal credit, time in business, amount, and term—making accurate cost comparison impossible without applying. This lack of pricing transparency has led to customer complaints about surprise fees and undisclosed charges.

Can PEAC alternatives integrate with my existing QuickBooks or NetSuite system?

Yes, modern alternatives offer robust integration capabilities. Resolve provides native integrations with QuickBooks, NetSuite, Xero, and Sage Intacct, automatically syncing invoices, payments, and credit decisions. Versapay offers native ERP integrations including NetSuite and Dynamics 365. Bill.com provides two-way sync with QuickBooks and Xero. Balance offers 300+ APIs for custom integrations. These modern platforms are designed specifically for seamless integration with existing financial systems.

What is non-recourse financing and how does it compare to traditional factoring?

Non-recourse financing means the financing provider assumes all credit risk on approved, non-disputed invoices—merchants get paid regardless of buyer default. This eliminates bad debt risk and protects merchant cash flow. Traditional factoring often requires merchants to maintain recourse liability, meaning they remain responsible if customers don't pay. Resolve's 100% non-recourse model transfers all credit risk, allowing businesses to offer net terms confidently while maintaining healthy cash flow.

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.