While Revenued offers revenue-based financing for general working capital, B2B businesses seeking smarter alternatives for net terms financing and accounts receivable automation have superior options. From Resolve's risk-free, non-recourse model to specialized platforms for different business needs, these alternatives provide transparent pricing, faster implementation, and AI-powered underwriting without Revenued's hidden fees or expensive factor rates.
Resolve Pay stands out as the premier Revenued alternative for B2B businesses by completely eliminating merchant risk through its 100% non-recourse financing model. Founded in 2019 as a spin-off from Affirm's B2B initiative, Resolve brings consumer fintech innovation to B2B payments with backing from Initialized Capital and Commerce Ventures.
For B2B businesses that invoice customers and offer net payment terms, Resolve's B2B platform provides a fundamentally different and superior approach to working capital management compared to Revenued's revenue-based financing model. Industry research shows the embedded B2B buy-now-pay-later market is rapidly expanding, with modern platforms offering comprehensive solutions that address both financing and operational efficiency.
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The platform's AI-powered reconciliation reduces manual work by 50%, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Recent case studies demonstrate significant impact: businesses report 14+ hours weekly saved on AR tasks and double-digit revenue growth from offering net terms without cash flow strain.
Unlike Revenued's recourse model where you must repay regardless of customer payment, Resolve's non-recourse structure means what you get is always yours to keep. The platform currently serves 15,000+ businesses and integrates seamlessly with major ecommerce platforms including Shopify and BigCommerce.
For B2B businesses specifically, Resolve addresses the core challenge of offering competitive net terms to drive sales while protecting cash flow and eliminating bad debt risk—something Revenued's general working capital model doesn't solve. Unlike Revenued's daily automatic debits that can strain cash flow during slow periods, Resolve's payment timing aligns with your actual business cycle.
Capchase specializes in revenue-based financing specifically designed for B2B SaaS companies with predictable subscription revenue. Founded in 2020 and headquartered in New York, the platform provides non-dilutive growth capital without requiring equity or personal guarantees.
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Capchase excels for SaaS businesses with recurring revenue models, offering a more specialized alternative than Revenued's general approach. The platform's focus on subscription metrics allows for more accurate funding and flexible repayment terms that align with actual business performance. However, it's not suitable for traditional B2B businesses without recurring revenue streams.
For B2B SaaS companies specifically, Capchase provides a compelling alternative to Revenued's expensive factor rates, though it doesn't offer the AR automation and net terms capabilities that Resolve provides for traditional B2B invoicing businesses.
Clearco (formerly Clearbanc) pioneered performance-based funding specifically for eCommerce businesses, using actual sales data rather than credit scores to determine funding eligibility. Founded in 2015 in Toronto, Canada, the platform has funded thousands of online businesses.
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Clearco's data-driven approach provides more accurate funding decisions than Revenued's revenue-based model, particularly for businesses with strong marketing ROI. The platform's integration with advertising platforms allows for real-time optimization of marketing spend, making it ideal for performance-driven eCommerce businesses.
However, Clearco doesn't serve traditional B2B wholesale or manufacturing businesses that invoice customers on net terms. For these businesses, Resolve's B2B platform provides a more relevant solution that addresses both financing and operational efficiency.
Bluevine represents the digital-first alternative to traditional business banking, offering lines of credit, business checking accounts, and payment processing in a unified platform. Founded in 2013 and headquartered in Redwood City, California, Bluevine has served hundreds of thousands of small businesses.
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Bluevine's traditional loan structure with monthly payments provides more predictable cash flow management than Revenued's daily automatic debits. The platform's integration of banking, credit, and payments creates a comprehensive financial hub for small businesses, though it lacks the specialized B2B net terms and AR automation features that Resolve offers.
For businesses seeking general working capital rather than B2B-specific net terms financing, Bluevine provides a more transparent and affordable alternative to Revenued's expensive factor rates.
Backd offers working capital loans and lines of credit with a more traditional structure than Revenued's factor-based model. Founded in 2019 and headquartered in Miami, Florida, the platform provides fixed APR financing with monthly payments.
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Backd's traditional loan structure provides more predictable cash flow management than Revenued's aggressive daily repayment schedule. The platform's focus on relationship-based underwriting allows for more flexible terms than purely algorithmic approaches. However, like other general working capital providers, Backd doesn't address the specific needs of B2B businesses that invoice customers on net terms.
For these businesses, Resolve's accounts receivable platform provides a more targeted solution that transforms the entire B2B payment experience while eliminating credit risk.
CreditKey specializes in B2B buy-now-pay-later solutions integrated directly at the point of sale. Founded in 2015 and headquartered in Phoenix, Arizona, the platform enables B2B businesses to offer instant credit approval to customers during checkout.
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CreditKey's focus on point-of-sale integration makes it ideal for B2B eCommerce businesses seeking to increase conversion rates through instant credit offers. The platform's automated underwriting provides faster approval than manual credit checks, though it may not offer the comprehensive AR automation and accounting integration that Resolve provides.
For businesses with both online and offline sales channels, Resolve's integrated platform offers a more comprehensive solution that handles all transaction types in a unified system.
The cost difference between Resolve and Revenued is substantial for B2B businesses with invoicing needs. For $100,000 in annual invoice financing:
Resolve Pay Total Cost:
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This dramatic cost difference, combined with Resolve's non-recourse risk protection and AR automation benefits, makes it the clear choice for B2B businesses that invoice customers.
For B2B businesses evaluating Revenued alternatives, the choice depends on your specific business model and needs:
Choose Resolve when you:
Choose other alternatives when you:
Implementation Timeline Reality:
For B2B businesses specifically, Resolve's integrated platform addresses the complete spectrum of net terms financing, AR automation, and risk management in a single solution—something Revenued's general working capital model simply cannot provide.
Net payment terms are a fundamental aspect of B2B commerce, allowing buyers to receive goods or services immediately while paying at a later date. According to research from the Federal Reserve, payment terms significantly impact working capital management, with longer terms creating cash flow challenges for suppliers while providing flexibility for buyers.
The most common B2B payment terms include Net 30, Net 60, and Net 90, where the number indicates the days until payment is due. These terms have become industry standard, with studies showing that approximately 80% of B2B transactions in the United States involve some form of delayed payment. Understanding how to manage these terms effectively can mean the difference between sustainable growth and cash flow crisis.
Traditional factoring and revenue-based financing solutions like Revenued attempt to address this cash flow gap, but often at prohibitive costs. Modern alternatives leverage technology to provide more efficient, transparent solutions that align with actual business needs rather than simply advancing cash at high rates.
Revenue-based financing provides capital in exchange for a percentage of future revenue rather than fixed monthly payments. Revenue uses a factor rate model where you repay a fixed multiple (1.10-1.50) of the borrowed amount through daily automatic debits. Unlike traditional loans with fixed APRs, revenue-based financing costs can be significantly higher—Revenued's 10-50% factor rates translate to 120-300%+ annualized APR. Resolve's model differs fundamentally by financing specific customer invoices rather than your general business revenue, with risk-based fees averaging approximately 2.61-3.5% per invoice.
Yes, Resolve evaluates your CUSTOMERS' creditworthiness rather than your business's revenue history. This means startups can offer net terms to established businesses immediately, with Resolve's AI-powered underwriting making instant credit decisions on your buyers. Unlike Revenued which requires $10,000+ monthly revenue and evaluates your business performance, Resolve focuses on your customers' ability to pay, making it accessible to new businesses. You can get a credit check for your customers to understand their qualification potential.
Resolve's 100% non-recourse model means you keep the advanced payment even if your customer defaults or pays late. Unlike Revenued's recourse model where you must repay regardless of customer payment, Resolve assumes all credit risk for approved invoices. This eliminates bad debt from your finances and protects your cash flow completely. The model is particularly valuable for businesses with concentration risk or those serving customers in volatile industries, as it transfers 100% of the default risk to Resolve.
Resolve provides 24-hour funding on approved invoices, with instant credit decisions powered by proprietary AI underwriting. Once you submit an invoice from an approved customer, Resolve can advance up to 100% of the invoice value within one business day. This compares favorably to Revenued's 24-hour funding but without the daily automatic debits that can strain cash flow during slow periods. The payment timing aligns with your actual business cycle rather than imposing rigid daily withdrawals.
Resolve has no hidden fees or surprise charges. All costs are disclosed upfront, including the risk-based transaction fee averaging approximately 2.61-3.5% per invoice and the $179-$499 monthly fee based on your volume. This transparency contrasts sharply with Revenued's $35/day low balance fee that isn't clearly disclosed upfront and can accumulate quickly during cash flow crunches. Resolve's predictable pricing allows for accurate financial planning without unexpected charges.
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.