While Stafford Business Funding offers merchant cash advances with same-day funding, modern B2B companies are discovering alternative solutions that provide transparent pricing, eliminate risk, and automate accounts receivable. From Resolve's non-recourse financing to specialized platforms for specific business models, these solutions deliver working capital without the high effective APR that characterizes traditional merchant cash advances.
Resolve stands out as the premier Stafford Business Funding alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Developed by former Amazon and PayPal experts and spun out from Affirm in 2019, Resolve brings consumer fintech innovation to B2B payments with a focus on simplicity, relational connections, and embedded solutions.
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The platform's AI-powered reconciliation automatically syncs transactions across systems, while its LLM-powered invoicing workflow ensures every transaction is properly recorded. Unlike traditional merchant cash advances that may strain cash flow with daily repayments, Resolve provides upfront capital while your customers maintain their standard payment terms.
Resolve currently serves over 12,000 businesses with backing from Insight Partners through $60 million in Series A funding. The platform integrates seamlessly with QuickBooks, NetSuite, Shopify, and other major platforms, enabling businesses to streamline accounts receivable while offering net terms to grow revenue.
According to the U.S. Chamber of Commerce, cash flow management remains one of the top challenges facing small and medium-sized businesses. Many B2B companies face a critical gap: they need to pay suppliers and employees before customers pay their invoices. This working capital gap can last 30, 60, or even 90 days, creating significant operational challenges.
Traditional financing options like merchant cash advances attempt to solve this problem but often create new challenges through high costs and repayment structures. Research from the Federal Reserve shows that small businesses frequently pay effective annual percentage rates exceeding 40% on alternative financing products, significantly impacting profitability.
Modern invoice financing solutions address this challenge differently. By advancing payment on outstanding invoices, businesses receive immediate capital while customers maintain their standard payment terms. This approach preserves customer relationships while providing the working capital needed for growth. Studies published in the Journal of Finance demonstrate that efficient accounts receivable management directly correlates with business growth and sustainability.
The key differentiator among invoice financing providers lies in their risk model. Non-recourse financing transfers credit risk from the merchant to the financing provider, while recourse models leave merchants liable for customer defaults. This distinction becomes critical when evaluating true cost and risk exposure.
FundThrough represents a traditional invoice factoring alternative that provides funding for businesses with high invoice volumes. The platform offers advances up to 100% of invoice value with next-day funding, making it suitable for businesses needing immediate working capital.
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While FundThrough provides access to working capital, the recourse model and customer notification requirements create different risk considerations compared to Resolve's non-recourse approach and white-label branding.
Fundbox offers revolving lines of credit up to $250,000 for small businesses that may not qualify for traditional bank financing. Founded in 2013, Fundbox has established itself as an accessible financing option for small businesses.
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While Fundbox provides accessible financing, the effective APR and recourse risk create different cost considerations compared to Resolve's non-recourse, transparent pricing model.
Capchase specializes in revenue-based financing for SaaS companies, providing advances based on annual recurring revenue (ARR). The platform serves businesses with $1M+ ARR seeking growth capital without dilution.
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Capchase serves a specific niche of established SaaS companies, while Resolve's invoice-based model works across all B2B industries regardless of business model or revenue stage.
Clearco provides revenue-share financing specifically for ecommerce businesses, offering funding based on sales performance rather than traditional credit metrics.
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Clearco's revenue-share model works for established ecommerce businesses with consistent sales, while Resolve's transparent flat-fee structure provides more predictable costs for B2B businesses across all industries.
For B2B companies evaluating Stafford Business Funding alternatives, the choice depends on your specific needs, risk tolerance, and cost requirements. Understanding the total cost of capital and the risk allocation model becomes essential when comparing financing options.
Cost Comparison for $10,000 Financing (60 Days):
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For businesses seeking the optimal combination of low cost, zero risk, and operational efficiency, Resolve's comprehensive platform provides a compelling alternative to expensive merchant cash advances. The platform's ability to offer net terms and grow revenue while maintaining transparent pricing makes it an attractive choice for modern B2B companies.
Beyond cost savings, Resolve's AR automation capabilities deliver operational benefits that extend beyond financing. By reducing manual work by 90%, businesses can redirect resources toward growth activities rather than administrative tasks. The white-label payment portal maintains brand consistency throughout the customer experience, while AI-powered workflows ensure accurate, timely processing of all transactions.
Resolve's 100% non-recourse financing means you face zero liability if your customers default on payments. Unlike merchant cash advances or recourse factoring where you remain responsible for repayment, Resolve assumes all credit risk. This protection allows you to confidently extend credit to customers and grow sales without jeopardizing your cash flow or balance sheet.
Resolve uses a transparent flat-fee structure starting at 2.61% for Net 30 terms, providing predictable costs based on your invoice amount. With Resolve, you know your exact cost upfront, enabling accurate profitability calculations and financial planning for your business operations.
Yes, Resolve enables you to offer net terms while eliminating financial risk. The platform provides advance payments of up to 100% on approved invoices within 24-48 hours, so you receive cash immediately while your customers maintain their standard 30, 60, or 90-day payment terms. Resolve handles credit assessment, underwriting, and collections, allowing you to focus on growing your business.
Resolve offers native integrations with major platforms including QuickBooks, NetSuite, Shopify, BigCommerce, Magento, WooCommerce, Xero, and Sage Intacct. These integrations enable seamless data synchronization, automated reconciliation, and bi-directional information flow, reducing manual work by 90% while maintaining data accuracy across your systems.
Resolve typically implements in hours to days through turnkey integrations with existing platforms, compared to longer implementation periods for some traditional financing options. The platform's self-serve onboarding, pre-built connectors, and dedicated implementation support enable rapid deployment without disrupting your existing operations or customer relationships.
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.