While QuickBridge has provided short-term business loans since 2011, B2B companies are increasingly turning to modern alternatives that eliminate credit risk, offer transparent pricing, and integrate seamlessly with existing workflows. Resolve Pay leads this transformation with its non-recourse net terms platform that advances up to 90% of invoice value while automating accounts receivable.
Resolve Pay stands as the premier QuickBridge alternative by fundamentally reimagining B2B financing through its non-recourse net terms platform. Spun out of Affirm in 2019, Resolve brings consumer fintech innovation to B2B payments with a focus on eliminating merchant risk while accelerating cash flow.
Key Features:
Pricing Structure:
The platform's AI-powered accounts receivable automation helps save 14+ hours of AR effort per week and reduces manual reconciliation errors by 50%. Resolve's LLM-powered invoicing workflow automatically syncs transactions across systems, ensuring accurate bookkeeping without manual intervention.
Unlike traditional financing models, Resolve maintains merchant control over customer relationships while eliminating the collections burden. The platform currently serves over 15,000 businesses and has demonstrated significant impact: customers report an average 40% increase in average order value and 20% year-over-year sales growth.
Resolve's business credit check service provides personalized assessments free of charge, delivering results within 24 business hours with only a customer's business name and address. This streamlined approach enables businesses to offer net terms confidently without extensive paperwork or customer friction.
The Small Business Administration's 7(a) loan program offers an established alternative to QuickBridge's short-term financing. These government-guaranteed loans provide longer terms and lower interest rates for qualified businesses.
Program Benefits:
Qualification Requirements:
While SBA loans offer lower costs than QuickBridge's factor rates, they require extensive documentation and longer approval timelines (30-90 days). The application process involves working with SBA-approved lenders who evaluate both personal and business credit history. According to Forbes Advisor, the comprehensive application can take 2-3 months to complete.
Peer-to-peer (P2P) lending platforms connect businesses directly with individual and institutional investors, bypassing traditional bank requirements while offering more transparent terms than QuickBridge.
Platform Advantages:
Qualification Standards:
P2P platforms like Funding Circle and Prosper Business offer more transparent pricing than QuickBridge's factor rate model, with APRs clearly disclosed upfront. However, these platforms still require personal guarantees and place full repayment responsibility on the borrower, unlike Resolve's non-recourse model that eliminates merchant risk.
Business credit cards provide immediate access to revolving credit lines without the complex application process of QuickBridge. Major issuers like Chase Ink, American Express Business, and Capital One Spark offer competitive terms for qualified businesses.
Card Benefits:
Typical Credit Parameters:
While business credit cards offer flexibility for day-to-day expenses and short-term cash flow gaps, they don't provide the substantial working capital solutions needed for major business expansion. Additionally, they place full repayment responsibility on the business owner, creating personal financial risk.
Revenue-based financing (RBF) provides capital in exchange for a percentage of future revenue, offering an alternative to QuickBridge's fixed repayment structure. This model aligns repayments with business performance, reducing strain during slower periods.
RBF Characteristics:
Cost Considerations:
While RBF offers flexibility during revenue fluctuations, costs can be significantly higher than Resolve's risk-based fee structure starting around 3.15% for net 30 terms. Additionally, RBF doesn't provide the accounts receivable automation and customer relationship management benefits that come with Resolve's integrated platform.
For a $10,000 financing need over 30 days, estimated cost differences include:
Resolve's non-recourse model eliminates bad debt risk entirely, while traditional financing options place full repayment responsibility on the merchant. This risk elimination, combined with transparent pricing and AR automation, creates significant value beyond the initial financing cost.
The optimal QuickBridge alternative depends on your specific business model, risk tolerance, and operational needs:
For B2B Companies Offering Net Terms: Resolve Pay provides non-recourse financing, AR automation, and e-commerce integration specifically designed for B2B commerce. The platform's AI-powered credit decisions and advance payments up to 90% address the risk and cash flow challenges associated with traditional net terms.
For General Working Capital Needs: SBA loans offer the lowest costs for qualified businesses willing to navigate the lengthy application process. P2P lending provides faster access with transparent terms but requires personal guarantees.
For Short-Term Flexibility: Business credit cards work well for day-to-day expenses and small purchases, while revenue-based financing aligns repayments with business performance but at higher costs.
Implementation Timeline Reality:
For B2B companies specifically, Resolve Pay's specialized platform provides value through risk elimination, cash flow optimization, and operational efficiency gains that general-purpose lenders cannot match.
The fundamental difference lies in risk allocation and business model. QuickBridge provides recourse financing where the merchant bears full repayment responsibility, while Resolve offers 100% non-recourse financing where Resolve assumes all credit risk on approved invoices. Additionally, Resolve specializes exclusively in B2B net terms with integrated AR automation, while QuickBridge offers general-purpose business loans without B2B-specific features.
Working capital financing focuses specifically on optimizing the cash conversion cycle through accounts receivable acceleration, inventory financing, and accounts payable management. Traditional business loans provide lump-sum capital with fixed repayment schedules regardless of business performance. Resolve's B2B payments platform exemplifies modern working capital financing by advancing up to 90% of invoice value within one business day while managing the entire credit-to-cash cycle.
Startups with limited revenue history face challenges with traditional lenders but may qualify for specialized programs. Fundbox typically looks for at least 3–6 months in business, a FICO score of 600 or higher, and around $100,000 in annual revenue, while some P2P platforms work with 1-year businesses. However, for B2B startups specifically, Resolve's business credit check service evaluates buyer creditworthiness rather than merchant financials, enabling new businesses to offer net terms confidently.
Non-recourse invoice financing eliminates merchant liability for approved invoices. When Resolve advances payment on an invoice, they assume full responsibility for collection and absorb any losses from customer non-payment. This differs from recourse financing (like QuickBridge loans) where the merchant remains liable regardless of customer payment behavior. All Resolve cash advances are non-recourse, meaning what you receive is always yours to keep.
Yes, embedded B2B payment platforms like Resolve typically offer significantly lower costs than merchant cash advances. Resolve's transparent fees starting around 3.15% for net 30 terms compare favorably to QuickBridge's factor rates that often translate to 50%+ APR. Additionally, embedded platforms provide operational value through AR automation, integrated accounting, and customer relationship management that pure financing products don't offer.
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.