While traditional financing solutions may offer basic capital access, modern B2B companies need flexible, risk-free alternatives that accelerate cash flow without adding debt. According to the U.S. Small Business Administration, managing cash flow remains one of the top challenges for growing businesses. Resolve Pay leads this transformation with its 100% non-recourse financing model, AI-powered credit decisions, and seamless integration capabilities that outperform legacy options.The B2B payment landscape has evolved significantly in recent years, driven by technological innovation and changing business expectations. Federal Reserve research shows that businesses increasingly prefer digital payment solutions that provide both flexibility and speed, moving away from traditional banking products that require lengthy approval processes and extensive documentation.
Resolve Pay stands as the premier alternative to traditional financing by completely eliminating merchant risk through its 100% non-recourse model. Spun out from Affirm in 2019 and founded by experts with backgrounds at PayPal and Amazon, Resolve brings consumer fintech innovation to B2B payments with a mission to streamline net terms, accounts receivable, and payments processes.
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Resolve reports its AI-powered reconciliation reduces manual work by approximately 90%, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Recent case studies demonstrate significant impact: companies have achieved 50% order processing time reduction and dramatically improved cash conversion cycles.
Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating collections burden. The platform currently serves over 12,000 businesses with backing from Initialized Capital and Commerce Ventures through $60 million funding.
Resolve's AR automation platform streamlines credit, invoicing, and collections while empowering finance leaders to scale operations with precision. The system's AI agents manage workflows, automate payment reminders, and reduce friction in collections, all while maintaining a branded experience that strengthens customer relationships.
TreviPay represents the established enterprise solution with over 40 years of experience processing approximately $6 billion annually across 32 countries. The platform offers comprehensive B2B payment solutions for multinational corporations requiring global reach and institutional-grade risk management.
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While TreviPay's global infrastructure serves multinational corporations well, its 3-6 month implementation timeline and complex pricing structure make it less suitable for mid-market businesses needing rapid deployment. The platform's traditional underwriting processes take days to weeks compared to modern AI-powered instant decisions.
TreviPay excels in fully managed AR services, completely outsourcing collections, credit management, and invoicing for enterprises that prefer comprehensive service over self-service technology. However, this comes with longer deployment timelines that modern businesses increasingly find challenging.
Balance has raised $56 million in Series B funding with backing from Lightspeed, Stripe, Salesforce Ventures, and HubSpot Ventures. The Y Combinator-backed company distinguishes itself through a developer-first approach that makes B2B payments as simple as consumer payments.
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Notable clients include Alibaba.com and Instacart Business, demonstrating strong marketplace traction. Reviewers consistently describe setup as "incredibly easy," comparing the experience favorably to Stripe's legendary developer experience. The platform achieves 81% customer portal adoption, significantly higher than the 20-30% industry average.
While Balance excels at checkout and payment processing, it focuses primarily on payment facilitation rather than comprehensive working capital financing, requiring merchants to secure additional financing separately if needed for invoice advances.
Slope represents the next evolution in B2B payments with strategic backing from J.P. Morgan Payments. Founded in 2021, the company raised $65 million from J.P. Morgan in July 2024 and serves Fortune 500 clients including IKEA.
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Slope's notable partnership with IKEA U.S. demonstrates its enterprise readiness, modernizing the furniture giant's B2B payment infrastructure. The platform's focus on Fortune 500 companies and wholesale operations addresses the enterprise market with modern technology and faster implementation than traditional solutions.
As a young company with a growing team, Slope offers innovative technology with a shared-risk model where merchants bear some default risk. Customer service experiences vary, with some users noting differences in support responsiveness compared to other platforms.
Fundbox occupies a distinct niche providing credit lines from $1,000 to $150,000 for small businesses that traditional lenders overlook. Since 2013, the platform has provided over $6 billion in funding to 500,000+ businesses.
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Reviews consistently note that while expensive, Fundbox provides critical funding when banks won't help. However, the platform lacks AR automation, white-label portals, and the comprehensive B2B features that other solutions offer. Fundbox is best suited for emergency funding rather than a strategic B2B payment solution.
For small B2B companies needing immediate working capital and able to manage higher costs, Fundbox offers accessibility. However, businesses seeking sustainable growth should consider solutions with more transparent pricing and comprehensive platforms.
Billtrust takes a fundamentally different approach by focusing exclusively on accounts receivable automation rather than credit extension. Processing significant transaction volumes annually, Billtrust serves 10,000+ customers with comprehensive AR solutions.
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Billtrust excels at AR automation but requires pairing with external financing sources for working capital needs. Companies specifically seeking net terms financing will need to combine Billtrust with another solution for advance payment options. The platform's comprehensive AR focus makes it complementary rather than competitive with full-service net terms solutions.
For companies wanting specialized AR automation without integrated financing, Billtrust offers mature technology. However, the subscription model with per-user fees can become expensive for growing businesses, unlike transaction-based pricing models with no monthly minimums.
The evolution of B2B financing has accelerated dramatically over the past five years. Traditional factoring and bank lending, once the only options for businesses needing working capital, now compete with innovative fintech solutions that leverage artificial intelligence, machine learning, and real-time data analysis.
According to research from leading financial institutions, businesses that optimize their accounts receivable processes see average improvements of 15-25% in cash conversion cycles. This directly impacts growth potential, as faster access to capital enables businesses to take on larger orders, negotiate better terms with suppliers, and invest in strategic initiatives.
The key differentiator between modern solutions and traditional options lies in risk allocation and technology integration. Non-recourse financing, where the platform assumes default risk, fundamentally changes the business equation by protecting merchants from bad debt exposure. This becomes particularly valuable in economic uncertainty when customer payment reliability may fluctuate.
Implementation speed represents another critical consideration. Businesses cannot afford to wait months for payment solutions to become operational. Modern platforms that integrate in days rather than months provide competitive advantages by enabling immediate sales growth without lengthy deployment cycles.
For B2B companies evaluating financing alternatives, the choice depends on your business stage, technical sophistication, and risk tolerance:
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Implementation timelines vary based on several factors including existing technology infrastructure, internal resource availability, and complexity of business requirements. Companies with modern ERP systems and dedicated technical teams typically experience faster deployments, while those with legacy systems or limited IT resources may require extended timelines.
The integration process itself involves several key phases: initial discovery and requirements gathering, technical setup and API configuration, user acceptance testing, and final production rollout. Modern platforms with pre-built connectors to popular ERP systems significantly reduce these timelines by eliminating custom development work.
For companies seeking expert guidance on B2B payment platform selection, Resolve's consultancy services provide hands-on support through dedicated account management and technical integration assistance.
Unlike traditional invoice factoring, modern platforms like Resolve offer non-recourse financing where merchants face zero risk if customers default. Traditional factoring requires selling invoices at steep discounts and often involves recourse provisions that leave merchants liable for unpaid invoices. Resolve's platform advances up to 100% of invoice value with transparent 2.61-3.5% flat fees, maintains merchant control over customer relationships, and provides comprehensive AR automation that traditional factoring cannot match.
AI-powered platforms like Resolve analyze thousands of data points in real-time, delivering credit decisions in 10-30 seconds versus days or weeks for traditional underwriting. These systems evaluate cash flow patterns, bank transactions, and business performance rather than relying solely on credit scores. The technology significantly reduces manual AR work through automated reconciliation, payment reminders, and collections management. According to industry research, businesses using AI underwriting see approval rates increase by 20-30% while maintaining or reducing default rates.
Yes, Resolve offers seamless integration with major ERP systems including QuickBooks Online, NetSuite, Oracle, Xero, and Sage Intacct. The platform also integrates with leading e-commerce platforms like Shopify, BigCommerce, Magento, and WooCommerce. Implementation typically takes hours to days rather than the months required by traditional enterprise solutions. Resolve's two-way sync automatically records and reconciles all transactions, eliminating manual data entry and ensuring accurate financial reporting across your entire tech stack.
Resolve charges transparent flat fees ranging from 2.61% to 3.5% based on the advance percentage, payment terms, and buyer risk profile. For example, a typical Net 30 invoice with a 90% advance would incur approximately a 3.15% fee. There are no monthly minimums, setup fees, or hidden charges. Credit card processing fees can be passed directly to buyers through Resolve's branded payment portal, ensuring predictable costs for merchants regardless of customer payment methods.
Resolve's AI-powered Smart Credit Engine delivers credit decisions in 10-30 seconds for purchases up to $25,000, enabling real-time approvals at checkout. For larger credit lines, the platform typically provides decisions within 24 business hours. This speed dramatically outperforms traditional underwriting processes that can take days or weeks, allowing you to close sales immediately rather than losing deals to payment delays. The system requires only your customer's business name and address to initiate the credit evaluation process.
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.