PrimeRevenue Alternatives: Modern Solutions for B2B Payments and Net Terms

While PrimeRevenue dominates enterprise supply chain finance with solutions for Fortune 500 companies, modern B2B businesses need faster, more flexible alternatives that offer transparent pricing, AI-powered underwriting, and risk-free net terms. From Resolve's non-recourse financing to specialized fintech platforms, these alternatives deliver superior capabilities for mid-market businesses without the complexity and lengthy implementations of traditional enterprise solutions.

Key Takeaways

Non-recourse financing eliminates risk: Resolve provides 100% non-recourse net terms with up to 100% advance on approved invoices on approved invoices and next-day payouts
AI underwriting accelerates approval: Modern platforms deliver instant credit decisions using proprietary AI models that evaluate thousands of data points, compared to PrimeRevenue's manual enterprise processes
Implementation in days, not months: Resolve and other modern platforms integrate in hours to days versus PrimeRevenue's multi-month enterprise deployments
Mid-market focus fills critical gap: While PrimeRevenue targets large enterprises, alternatives like Resolve specifically serve the underserved mid-market with accessible pricing and scalable solutions
Integrated platforms streamline operations: Modern solutions combine credit, payments, and accounts receivable automation in a single platform, eliminating the need for multiple disconnected systems
Buyer flexibility drives sales growth: Platforms that offer 30-90 day net terms with 0% interest for buyers consistently increase order sizes and customer retention

1. Resolve — The Modern Alternative to Enterprise Supply Chain Finance

Resolve emerges as the premier PrimeRevenue alternative by eliminating merchant risk through its non-recourse financing model while delivering enterprise-grade capabilities to mid-market businesses. Founded by experienced fintech operators, Resolve combines embedded credit expertise, invoice financing, and payments into a single, integrated platform.

Key Features:

100% non-recourse financing with zero merchant risk
Instant credit decisions powered by proprietary AI models
Net 30, 45, 60, or 90-day payment terms
up to 100% advance on approved invoices payment within one business day
Seamless integration capabilities with major platforms
White-label payment portal accepting ACH, credit card, wire, and check

Pricing Structure:

Transparent fee structure with no monthly minimums
Fees typically range from 2.61% to 3.5% for 30-day net terms with a 100% advance
No setup fees or hidden charges
Custom pricing available for enterprise volumes

Resolve's AI-powered platform automates the entire net terms workflow from invoice to payment, reducing Days Sales Outstanding (DSO) and accelerating cash flow consistent with Federal Reserve research on working capital cycles. The platform's AR automation capabilities use LLMs to manage workflows, automate payment reminders, and reduce friction in collections, while automatically syncing all transactions to accounting systems.

Unlike traditional supply chain finance programs that require complex buyer enrollment and lengthy setup processes, Resolve enables businesses to offer net terms immediately with minimal integration effort. Direct integration with QuickBooks, NetSuite, and BigCommerce, plus flexible API for custom implementations, ensures seamless connectivity with existing systems.

The platform's business credit check service requires only a company name and address, delivering results within 24 business hours and enabling instant approvals for purchases up to $25,000.

Resolve's experts—formerly of Amazon, PayPal, and Fortune 500 firms—deliver deeper credit insights than traditional bureaus, using behavioral signals and proprietary financial databases to make accurate credit decisions. This approach has supported thousands of B2B sellers to grow B2B sales, get paid faster, and reduce risk while maintaining control over customer relationships.

2. Taulia — Dynamic Discounting for Mid-Market Suppliers

Taulia provides a middle ground between PrimeRevenue's enterprise focus and modern fintech platforms, offering dynamic discounting and supply chain finance solutions specifically designed for mid-market suppliers. The platform enables suppliers to get paid early while buyers extend their payment terms, creating working capital benefits for both parties.

Platform Capabilities:

Early payment options for approved invoices
Dynamic discounting based on payment timing
Integration with major ERP systems
Supplier portal for payment management
Multi-currency support
Working capital insights and analytics

Pricing Model:

Discount rates based on early payment timing
Setup and implementation fees
Monthly subscription costs
Transaction fees for early payments

Taulia's approach differs from Resolve's risk-free model, as suppliers still maintain collection responsibility and face potential bad debt risk. However, the platform offers valuable working capital optimization for suppliers already enrolled in buyer-led supply chain finance programs.

While Taulia serves a different market segment, businesses evaluating PrimeRevenue alternatives should consider whether they need supplier-led financing like Resolve or are willing to participate in buyer-led programs.

3. C2FO — Market-Based Working Capital Platform

C2FO operates a unique market-based approach to working capital optimization, connecting buyers and suppliers in a dynamic marketplace where suppliers can bid for early payment at rates they determine. This auction-based model provides flexibility but requires active participation from both parties.

Key Features:

Marketplace-based early payment bidding
Real-time working capital availability
Integration with financial systems
Multi-buyer network access
Working capital forecasting tools

Cost Structure:

Variable discount rates based on market bidding
Platform subscription fees
Implementation and setup costs
Ongoing support and maintenance fees

C2FO's model works best for suppliers with multiple large buyers already on the platform, but it requires significant manual involvement in managing early payment requests, unlike Resolve's fully automated approach.

4. HighRadius — AI-Powered Accounts Receivable Automation

HighRadius focuses specifically on accounts receivable automation and cash application, offering AI-powered solutions that complement rather than replace net terms financing platforms. The platform excels at cash forecasting, collections management, and dispute resolution but doesn't provide the embedded credit and financing capabilities of Resolve.

Core Capabilities:

AI-powered cash application with high accuracy rates
Automated collections workflows
Cash forecasting and liquidity management
Dispute prevention and resolution
Credit management integration

Pricing Approach:

Annual subscription based on company size
Implementation and customization fees
Per-user licensing costs
Additional modules for advanced features

HighRadius serves as a complementary solution for businesses that already have net terms capabilities but need to optimize their AR operations. However, companies specifically seeking to offer net terms to drive sales growth will benefit from pairing AR automation with Resolve's net terms management platform.

5. AvidXchange — AP Automation with Payment Network

AvidXchange provides accounts payable automation with an integrated payment network, focusing primarily on the buyer side of B2B transactions. While the platform offers payment automation and early payment options, it takes a different approach than seller-focused net terms and financing solutions.

Platform Strengths:

Invoice automation and approval workflows
Multiple payment method support
Payment tracking and reconciliation
Vendor payment portal
Integration with accounting systems

Fee Structure:

Per-invoice processing fees
Payment method fees (higher for credit cards)
Implementation and setup costs
Annual subscription fees

AvidXchange works well for buyers looking to streamline their AP processes. Resolve's B2B payments platform addresses seller needs by enabling businesses to offer net terms while receiving immediate payment.

6. BlueVine — Small Business Line of Credit

BlueVine provides working capital solutions primarily focused on small business lines of credit and invoice factoring, targeting businesses that may not qualify for traditional bank financing. While the platform offers quick access to capital, it operates on a recourse basis, meaning merchants retain the risk of customer non-payment.

Service Offerings:

Lines of credit up to $250,000
Invoice factoring with 1-3 day funding
Recourse-based financing (merchant retains risk)
Online application process
Integration with accounting software

Cost Structure:

Weekly fees ranging from an estimated 0.30% to 1.50%
Effective APR potentially 30-70% annually
Origination fees
Early repayment fees in some cases

BlueVine's recourse model creates risk for merchants, as they remain responsible for customer defaults. In contrast, Resolve's non-recourse financing eliminates this risk entirely, making it a compelling choice for businesses that want to offer net terms without assuming credit risk.

7. J.P. Morgan Supply Chain Finance — Traditional Bank Alternative

J.P. Morgan's supply chain finance program represents the traditional banking alternative to PrimeRevenue, offering reverse factoring and dynamic discounting programs for large corporate clients. The platform provides institutional backing and global reach but shares many of the same limitations as PrimeRevenue.

Program Features:

Buyer-initiated reverse factoring
Global payment capabilities
Multi-currency support
Integration with corporate banking services
Established compliance and security protocols

Pricing Model:

Discount rates based on buyer credit rating
Program setup and administration fees
Per-transaction processing fees
Minimum volume requirements

J.P. Morgan's program requires significant buyer involvement and lengthy implementation processes, making it less suitable for mid-market businesses seeking to independently offer net terms. Resolve's seller-initiated approach provides greater flexibility and faster time-to-market for businesses wanting to enhance their customer payment experience.

The Embedded Finance Advantage: Why Modern Platforms Outperform Traditional SCF

The fundamental difference between PrimeRevenue and modern alternatives like Resolve lies in their approach to embedded finance. PrimeRevenue's supply chain finance model requires buyer enrollment and coordination, creating friction and limiting adoption. In contrast, Resolve's embedded approach enables sellers to offer net terms independently, without requiring buyer participation or complex setup processes.

Risk Management Evolution:

Traditional supply chain finance programs like PrimeRevenue's reverse factoring rely on buyer credit ratings to determine financing terms, limiting availability to suppliers of large corporations. Resolve's AI-powered underwriting evaluates each buyer independently, enabling businesses to offer net terms to a broader customer base while maintaining risk protection through non-recourse financing.

Implementation Speed:

PrimeRevenue implementations typically require 3-6 months of complex integration and coordination between buyers and suppliers. Resolve integrates in hours to days through pre-built connectors with major e-commerce and accounting platforms, enabling businesses to start offering net terms immediately.

Pricing Transparency:

Enterprise supply chain finance programs often involve complex fee structures with hidden costs and minimum volume requirements. Resolve's transparent pricing provides clear cost visibility without monthly minimums or setup fees.

Customer Experience:

PrimeRevenue's buyer-centric model can create friction for suppliers who must navigate complex enrollment processes and limited payment options. Resolve's seller-centric approach provides a seamless customer experience with a white-label payment portal accepting multiple payment methods and maintaining the seller's brand relationship with their customers.

Making the Right Choice for Your Business

When evaluating PrimeRevenue alternatives, consider your business size, technical requirements, and strategic objectives:

By Business Size:

Mid-market businesses ($1M-$100M revenue): Resolve provides the ideal balance of enterprise-grade capabilities and mid-market accessibility
Small businesses (<$1M revenue): Resolve's no minimums and quick setup make it accessible even for smaller operations
Large enterprises ($100M+ revenue): Resolve's enterprise capabilities can scale to meet the needs of larger organizations while providing superior flexibility

By Technical Requirements:

E-commerce businesses: Resolve's Net Terms for Ecommerce provides seamless platform integration
ERP-integrated operations: Resolve's integration platform supports major systems
Custom technology stacks: Resolve's flexible APIs enable integration with any custom implementation

By Strategic Objectives:

Sales growth: Resolve's net terms increase buyer purchasing power and drive larger, more frequent orders
Cash flow optimization: Resolve's advance payments provide immediate liquidity while customers pay on terms
Risk reduction: Resolve's non-recourse model eliminates bad debt risk and collections burden

Implementation Timeline Comparison:

Resolve: Hours to days with pre-built integrations
Traditional SCF platforms: 3-6 months for full implementation
Hybrid solutions: 4-8 weeks for basic setup

For businesses seeking to offer net terms without the complexity and limitations of traditional supply chain finance, Resolve provides a comprehensive and accessible solution. The platform's combination of risk-free financing, AI-powered underwriting, and seamless integration makes it an effective choice for modern B2B businesses.

Frequently Asked Questions

What is the primary difference between PrimeRevenue and its modern fintech alternatives?

PrimeRevenue operates primarily in the enterprise supply chain finance space, focusing on buyer-initiated programs like reverse factoring that require complex coordination between large corporations and their suppliers. Modern alternatives like Resolve offer seller-initiated net terms that businesses can implement independently without buyer enrollment. Resolve's non-recourse financing eliminates merchant risk entirely, while PrimeRevenue's programs may expose suppliers to certain limitations.

How does embedded finance improve B2B transactions?

Embedded finance integrates credit, payments, and risk management directly into the B2B buying experience, eliminating the need for separate financing applications or complex enrollment processes. Resolve's embedded net terms allow buyers to check out with minimal paperwork and no wait, while sellers receive payment within one business day. This approach increases conversion rates, drives larger order sizes, and enhances customer loyalty without disrupting existing business relationships.

Are non-recourse financing options truly risk-free for sellers?

Yes, Resolve's non-recourse financing is risk-free for sellers. All cash advances are non-recourse, so what you receive is yours to keep. Resolve takes on the credit assessment, credit decision, and the full risk of late payments and defaults, allowing businesses to offer net terms while protecting their cash flow and eliminating bad debt risk.

What kind of integrations should I look for in a PrimeRevenue alternative?

Look for platforms that offer seamless integration with your existing technology stack, including e-commerce platforms (Shopify, BigCommerce, Magento, WooCommerce), accounting software (QuickBooks, NetSuite), and ERP systems. Resolve's integration platform provides pre-built connectors and flexible APIs that enable automatic data synchronization, eliminating manual data entry and ensuring accurate financial reporting.

How do these platforms handle the credit assessment and collections process?

Resolve manages the entire credit and collections process automatically. The platform uses proprietary AI models to evaluate thousands of buyer data points for instant credit decisions, requiring only a company name and address from the seller. Resolve then handles all payment reminders, collections, and customer service, allowing sellers to focus on their core business while maintaining their 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.