While Taycor Financial provides equipment financing for businesses needing capital assets, modern B2B companies increasingly seek alternatives that offer working capital solutions, net terms management, and accounts receivable automation. From Resolve's non-recourse invoice financing to specialized SBA lenders, these platforms deliver the financial flexibility businesses need without the limitations of traditional equipment-focused financing.
Resolve Pay emerges as the premier alternative to traditional financing by completely eliminating merchant risk through its 100% non-recourse model. Spun out from Affirm in 2019 by fintech veterans, Resolve brings consumer fintech innovation to B2B payments with a focus on net terms management and accounts receivable automation.
Key Features:
Pricing Structure:
The platform’s automation significantly reduces manual reconciliation work, while its Automated invoicing workflow automatically syncs transactions across systems. Resolve serves thousands of B2B sellers, helping them offer flexible payment terms while maintaining healthy cash flow.
Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating the collections burden and bad debt risk. The platform's non-recourse model means that if an approved customer doesn't pay, Resolve absorbs the loss—not the merchant.
Resolve excels specifically for B2B companies that need to:
The Small Business Administration (SBA) offers government-guaranteed loan programs that provide long-term financing for established businesses. Unlike Taycor's equipment focus or Resolve's invoice financing, SBA loans serve broader business purposes including working capital, expansion, and equipment purchases.
Program Options:
Requirements and Limitations:
SBA loans work best for established businesses with strong credit histories seeking long-term financing at competitive rates. However, the lengthy approval process and stringent requirements make them less suitable for immediate cash flow needs or newer businesses.
For businesses specifically needing to purchase equipment, specialized equipment financing companies offer alternatives to Taycor Financial with varying terms and requirements.
Leading Providers Include:
Typical Features:
While these lenders excel at financing capital assets, they don't address working capital needs, accounts receivable management, or net terms extension to customers. Businesses should choose equipment financing specifically when purchasing machinery, vehicles, or other capital assets—not for general working capital or invoice financing.
Online lending platforms offer quick access to capital with streamlined application processes and faster approval timelines than traditional banks.
Key Characteristics:
Considerations:
Online lenders work well for businesses needing quick access to capital with less stringent requirements than traditional banks. However, they typically don't offer the specialized B2B payment features, net terms management, or AR automation that platforms like Resolve provide.
Revenue-based financing provides capital in exchange for a percentage of future revenue, offering flexible repayment that scales with business performance.
How It Works:
Advantages and Disadvantages:
Revenue-based financing serves businesses that can't qualify for traditional loans but have strong revenue streams. However, it doesn't provide the B2B payment infrastructure, net terms capabilities, or AR automation that Resolve offers for B2B sellers.
Business credit cards provide revolving credit lines for short-term working capital needs and expense management.
Key Features:
Limitations:
Business credit cards work well for managing day-to-day expenses and short-term cash flow gaps, but they lack the B2B-specific features like net terms management, invoice financing, and AR automation that Resolve provides for B2B sellers.
Peer-to-peer (P2P) lending platforms connect borrowers directly with individual or institutional investors, bypassing traditional financial institutions.
Platform Characteristics:
Notable Considerations:
P2P platforms provide an alternative to traditional bank lending but don't address the specific needs of B2B companies that want to offer net terms to customers, automate accounts receivable, or manage B2B payment relationships.
For B2B companies evaluating Taycor Financial alternatives, the choice depends on your specific financing needs and business model:
Choose Resolve Pay when you need:
Choose Equipment Financing when you need:
Choose SBA Loans when you need:
Choose Online Lenders when you need:
The most strategic approach often involves using multiple financing solutions: Resolve Pay for B2B invoice financing and net terms management, combined with equipment financing for capital asset purchases. This hybrid approach addresses both working capital needs and capital expenditure requirements.
Taycor Financial and Resolve Pay serve fundamentally different purposes. Taycor Financial specializes in equipment financing, helping businesses purchase capital assets like machinery and equipment with the equipment serving as collateral. Resolve Pay focuses on B2B net terms management and invoice financing, helping sellers extend flexible payment terms to their customers while getting paid immediately. Resolve's non-recourse model eliminates merchant risk for approved customer defaults, while Taycor's loans require borrower liability.
Traditional business financing typically requires revenue history, but some alternatives exist for pre-revenue startups. Taycor Financial accepts startups with no time-in-business requirement for equipment financing, focusing on the equipment value as collateral. For B2B sellers without revenue history, Resolve Pay evaluates buyer creditworthiness rather than seller financials, enabling new businesses to offer net terms to established customers. However, most financing options will require some form of collateral, personal guarantees, or strong founder credit profiles.
Funding speed varies significantly by platform and financing type. Resolve Pay provides 1-2 business day funding for approved invoices with instant AI-powered credit decisions. Taycor Financial offers 1-day equipment funding for qualified applicants. Online lenders typically fund within 1-5 days, while SBA loans can take 30-90 days. Equipment financing generally takes 1-10 days, depending on the complexity of the equipment and underwriting requirements.
Credit requirements vary widely by financing type and provider. Taycor Financial accepts credit scores as low as 500-550 for equipment financing. Resolve Pay focuses on buyer creditworthiness rather than seller credit scores, making it accessible to businesses with varying credit profiles. SBA loans typically require 640+ credit scores for best rates, while online lenders may accept 550-600+ scores at higher costs. Equipment financing generally requires 550-700+ credit scores depending on the provider and equipment type.
Net terms and invoice financing serve different purposes than traditional business loans and can be superior for specific use cases. Resolve's non-recourse financing eliminates bad debt risk while providing immediate cash flow, making it ideal for B2B sellers wanting to offer flexible payment terms. Traditional business loans create debt obligations and require collateral or personal guarantees. The best choice depends on your business model—B2B sellers benefit more from net terms platforms, while businesses needing capital assets benefit from equipment financing or traditional loans.
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.