ResolvePay is the strongest choice for B2B suppliers who need to offer net terms, get paid upfront, and automate accounts receivable. Fundbox wins on speed-to-capital for small businesses needing a revolving credit line. Capchase is purpose-built for recurring-revenue and vendor-financing workflows, especially around B2B software and hardware purchases. These three platforms solve different cash flow problems. ResolvePay manages the full net terms lifecycle — credit decisioning, advance payments, invoicing, and collections. Fundbox provides short-term working capital through revolving credit lines. Capchase converts annual SaaS contracts into upfront cash. Choosing the right one depends on your business model, customer base, and financing needs. Matching the right capital product to your business model is one of the most important factors in choosing the right financing solution. This ResolvePay vs Fundbox vs Capchase comparison breaks down features, pricing, integrations, risk models, and ideal use cases across all three platforms. For B2B suppliers offering net terms to buyers, Resolve delivers the most complete solution with non-recourse financing and AR automation. For fast working capital with minimal paperwork, Fundbox serves small businesses well. For SaaS companies accelerating ARR-based cash flow, Capchase leads the category.
Resolve was spun out of the B2B version of Affirm in 2018 by fintech operators with backgrounds spanning Affirm, PayPal, Amazon, and other large technology companies. The platform enables B2B suppliers to offer net terms to their buyers while receiving upfront payment on approved invoices, with advance rates that can reach up to 100% depending on the program and buyer profile. The core differentiator is non-recourse financing — Resolve assumes the buyer's credit risk, so if a buyer defaults, the supplier keeps the advance.
More than 15,000 businesses use Resolve. The smart credit engine delivers automated buyer credit decisions in seconds, eliminating manual trade reference checks. ERP integrations with NetSuite, QuickBooks, BigCommerce, and Shopify keep AR workflows synchronized. Users report shrinking DSO from 60+ days to as little as 1 day and saving 14+ hours per week on accounts receivable tasks. Resolve's dedicated human AR team works alongside AI-powered automation to manage collections, providing a combination of technology and expertise that ensures invoices get paid on time.
Fundbox has operated since 2013 and says it has connected with more than 500,000 businesses while unlocking over $6 billion in capital. The platform offers business funding of up to $250,000 with flexible repayment terms. An AI-powered application process delivers credit decisions in as little as 3 minutes, with funds available the next business day.
Fundbox is BBB Accredited with an A+ BBB rating and also maintains a strong Trustpilot review profile. The platform integrates with accounting software, requires no origination or prepayment fees, and works well for small businesses that need fast access to working capital. Fundbox's strength lies in its accessibility — the low minimum requirements (600+ FICO, $100K+ annual revenue) and rapid approval process make it one of the most accessible capital sources for small businesses. The dedicated mobile app enables borrowers to manage draws, track repayments, and monitor their credit line from anywhere. For a deeper two-way comparison, see our ResolvePay vs Fundbox breakdown and Fundbox alternatives guide.
Capchase entered the market in 2020 and built its platform around recurring-revenue financing and flexible vendor payment options for B2B software purchases. Backed by over $1 billion in funding, Capchase offers three core products: Capchase Grow (revenue-based financing at 20-50% of ARR), Capchase Pay (B2B BNPL for software and hardware purchases), and Expense Financing (3-12 month terms for business expenses like AWS, payroll, and marketing).
Capchase has built strong traction in B2B software financing and positions itself as a leading installment-payments and BNPL option for software vendors. Capchase Pay is currently available in 9 countries, while qualification requirements vary by product. For SaaS companies, Capchase converts annual and multi-year contracts into upfront cash while handling billing and collections on the vendor's behalf. The flexible fee-splitting model allows SaaS vendors to absorb financing costs, pass them to buyers, or share them — providing pricing flexibility that supports different sales strategies. For a deeper two-way comparison, see our ResolvePay vs Capchase breakdown.
|
Feature |
Resolve |
Fundbox |
Capchase |
|
Product Type |
B2B net terms financing + AR automation |
Revolving business credit line |
SaaS revenue financing + B2B BNPL |
|
Net Terms Offered |
30, 60, 90 days |
Revolving credit line product |
Contract financing product |
|
Maximum Credit |
$500,000+ per buyer |
$150,000 per business |
20-50% of ARR (varies) |
|
Advance Rate |
Up to 90% of invoice value |
Full draw against credit line |
Full TCV upfront (Capchase Pay) |
|
Funding Speed |
1-2 business days |
Next business day |
48 hours |
|
Approval Speed |
Seconds (AI credit engine) |
3 minutes |
24-48 hours |
|
Risk Model |
Non-recourse (Resolve absorbs buyer default risk) |
Recourse (borrower repays per credit line terms) |
Non-dilutive (no equity, revenue-based) |
|
Repayment Terms |
Buyer pays at net term maturity |
12 or 24 weekly installments |
3, 6, 9, or 12 months |
|
Pricing |
Competitive non-recourse pricing |
4.66-8.99% fee per draw |
5-12% flat financing fee |
|
AR Automation |
Full (invoicing, reminders, collections, reconciliation) |
— |
Billing and collections for SaaS contracts |
|
ERP Integrations |
NetSuite, QuickBooks, BigCommerce, Shopify, WooCommerce |
QuickBooks, Xero, FreshBooks |
ERP, payment platforms, bank feeds |
|
Credit Decisioning |
AI-powered buyer credit checks in seconds |
AI-powered borrower assessment |
Underwriting based on ARR and financial data |
|
White-Label Option |
Yes — operates behind your brand |
— |
Yes — for Capchase Pay |
|
Mobile App |
— |
Yes — full account management |
— |
|
Geographic Availability |
United States |
United States |
9 countries for Capchase Pay (including the U.S., Canada, U.K., Ireland, Spain, Belgium, the Netherlands, Finland, and Sweden) |
|
Minimum Requirements |
B2B business with buyers needing terms |
$100K+ annual revenue |
Varies by product; Capchase Grow publicly states eligibility can start at $100K+ ARR |
Resolve charges a competitive flat transaction fee for net terms financing. The fee scales with term length and buyer risk profile — Net-60 and Net-90 terms carry incrementally higher rates. There are no monthly subscription fees, no origination charges, and no hidden costs.
The flat-fee model means costs are predictable and easy to build into margins. For context, traditional invoice factoring typically costs 1-5% per month, making Resolve's single flat fee materially cheaper for standard net terms. Per Investopedia's guide to invoice financing, flat-fee models provide the most predictable costs for growing businesses.
Fundbox uses a weekly fee model rather than traditional interest rates. On a 12-week plan, the total fee is approximately 4.66% of the draw amount. On a 24-week plan, the fee rises to roughly 8.99%. For a $10,000 draw, that translates to $466 on the shorter term or $899 on the longer term.
Fundbox charges no application fees, no origination fees, and no prepayment penalties. Borrowers see their total fee obligation before drawing funds, which adds transparency. According to NerdWallet's business loan comparison, Fundbox's fee-based structure is competitive within the online lending category for small businesses that need fast access to capital.
Capchase applies a flat financing fee to each deal, typically ranging from 5% to 12% depending on the deal structure, risk assessment, and term length. The fee can be paid entirely by the vendor, entirely by the buyer, or split between both parties.
For Capchase Grow (ARR-based financing), the company advances 20-50% of annual recurring revenue at individually assessed fee rates. Capchase Pay (B2B BNPL) charges the financing fee per transaction. Exact pricing requires a custom quote, but the flexible fee-splitting model helps SaaS vendors absorb costs or pass them to buyers depending on their go-to-market strategy.
|
Platform |
Fee on $10,000 |
Effective Annual Cost |
Term |
|
Resolve |
A small percentage of invoice value |
Competitive non-recourse rates |
Net-30 |
|
Fundbox |
$466-$899 |
Fee-based per draw |
12-24 weeks |
|
Capchase |
$500-$1,200 |
5-12% (flat per deal) |
3-12 months |
Resolve delivers the lowest cost for B2B trade credit financing. Fundbox serves a different need (working capital) with fee structures that reflect the speed and accessibility of the product. Capchase's fees reflect the value of converting multi-year SaaS contracts into immediate cash flow. Each pricing model is optimized for its target use case.
Resolve is the right platform for B2B suppliers, distributors, and manufacturers who sell on net terms and need to eliminate cash flow gaps without taking on credit risk.
Choose Resolve if you:
Typical Resolve customer: A wholesale distributor doing $5M-$20M in annual revenue, currently offering Net-30 to buyers through manual processes, losing 60+ days of cash flow per invoice cycle, and spending 10+ hours per week on AR tasks. Resolve automates the entire workflow and advances payment immediately.
Fundbox genuinely excels for small businesses that need fast, flexible working capital without the paperwork of a traditional bank loan. It is a revolving credit line product, and it does that specific job very well.
Choose Fundbox if you:
Typical Fundbox customer: A service-based small business with $200K-$1M in annual revenue that occasionally needs $10,000-$50,000 to cover cash flow gaps between receivables and payables. The speed and simplicity of Fundbox make it ideal for episodic capital needs.
Fundbox has served 500,000+ businesses and deployed $3B+ in capital. Its BBB accreditation, A+ BBB rating, and strong Trustpilot presence reinforce Fundbox’s credibility in the small-business financing market.
Capchase is the clear leader for SaaS and subscription-based companies that want to accelerate cash collection from annual and multi-year contracts without giving up equity.
Choose Capchase if you:
Typical Capchase customer: A SaaS company with $3M ARR selling annual contracts to enterprise buyers. Capchase converts those annual commitments into immediate cash, accelerates the sales cycle by offering buyers flexible payment terms, and handles billing and collections — letting the SaaS vendor focus on product and growth.
Capchase's #1 G2 ranking in B2B BNPL and 96% positive review rate demonstrate strong satisfaction among SaaS companies using the platform.
These three platforms occupy different positions in the B2B financing landscape. The right choice depends entirely on your business model and what type of cash flow problem you are solving.
For B2B suppliers offering net terms: Resolve is the clear winner. No other platform in this comparison offers non-recourse net terms financing, AI-powered buyer credit decisioning, full AR automation, and upfront payment advances in a single integrated product. Resolve's competitive rates are the lowest cost option for trade credit, and the non-recourse model means you never absorb buyer default risk. If you sell products or services to other businesses on payment terms, Resolve is purpose-built for that workflow. The combination of AI credit decisioning, next-day funding, and dedicated collections support means suppliers can scale their net terms programs confidently.
For fast small business working capital: Fundbox delivers speed and simplicity that neither Resolve nor Capchase matches for its specific use case. Three-minute approvals, next-day funding, and minimal qualification requirements make it an excellent option for small businesses needing short-term capital. Fundbox’s BBB accreditation and long operating history reflect a proven track record in fast small-business financing. According to NerdWallet's analysis of business financing options, speed-to-capital is the primary value driver for businesses in this category.
For SaaS revenue acceleration: Capchase owns this category. If your business model is built on annual recurring revenue, Capchase converts future contract value into immediate capital without equity dilution. The B2B BNPL product accelerates deal velocity by letting your customers pay over time. No other platform in this comparison understands SaaS revenue mechanics as deeply, and the #1 G2 ranking in B2B BNPL validates this specialization.
In the ResolvePay vs Fundbox vs Capchase decision, most B2B suppliers need net terms financing — not a revolving credit line or ARR-based capital. For that core use case, Resolve provides the most complete, lowest-cost, and most comprehensive solution.
No. Traditional invoice factoring involves selling invoices at a discount to a third-party factor, often with recourse clauses, lengthy contracts, and notification to your customers. Resolve offers net terms financing — you offer payment terms to buyers, Resolve advances you up to 90% of the invoice value within 1-2 business days, and Resolve assumes the credit risk through non-recourse financing. Your buyers interact with your brand, not a factoring company. Resolve's competitive flat fee is typically lower than factoring rates of 1-5% per month. According to Investopedia's factoring guide, non-recourse net terms financing represents a newer approach that addresses many of the traditional limitations of invoice factoring.
Fundbox provides a revolving line of credit to the borrower — it serves a different purpose than net terms management. If you need to offer 30, 60, or 90 day payment terms to your customers while getting paid upfront, you need a net terms platform like Resolve. Fundbox is designed for working capital, and it excels at providing fast access to that capital with minimal paperwork.
Capchase is purpose-built for SaaS and subscription-based companies with a minimum of $1M in annual recurring revenue. Traditional B2B suppliers, manufacturers, distributors, and service businesses would benefit from a platform designed for their business model. If you sell physical products on net terms, Resolve is designed specifically for that workflow. See the best B2B BNPL platforms for a broader category comparison.
Resolve offers the lowest fees for B2B trade credit with competitive non-recourse rates. Fundbox fees range from 4.66% to 8.99% on 12-24 week draws. Capchase fees range from 5-12% per deal. However, these platforms serve different needs — comparing fees directly is only meaningful if the products solve the same problem for your business. Each platform's pricing is optimized for its specific use case.
With Resolve's non-recourse financing model, the supplier keeps the advance payment even if the buyer defaults. Resolve manages collections through automated payment reminders and a dedicated collections process with both AI and human AR expertise. This is a fundamental difference from Fundbox, where the borrower repays per their credit line terms regardless of customer outcomes, and from Capchase, which is structured around SaaS contract terms.
Fundbox is the fastest at next-day funding with a 3-minute approval process. Resolve funds within 1-2 business days after buyer credit approval (which takes seconds). Capchase provides capital access within 48 hours of approval, though the underwriting process can take 24-48 hours. All three platforms are significantly faster than traditional bank financing. Per Forbes' analysis of business lending, the speed of modern fintech lending has compressed approval-to-funding timelines from weeks to hours.
Yes. These platforms serve different purposes and can complement each other. A B2B supplier could use Resolve for net terms financing and AR automation while maintaining a Fundbox credit line for short-term working capital needs. A SaaS company could use Capchase for contract financing while using Resolve for any physical product or service components sold on net terms. According to G2's B2B payments category, many businesses benefit from using multiple specialized tools rather than a single general-purpose solution.
The decision framework is straightforward. If you sell products or services to other businesses on net payment terms (30, 60, 90 days), Resolve is designed for that workflow. If you are a small business needing fast access to a revolving credit line for general working capital, Fundbox is the best fit. If you run a SaaS company with $1M+ ARR and want to convert annual contracts into immediate cash, Capchase is purpose-built for that model.
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.