Top 10 Terms.Tech Alternatives for B2B Net Terms Financing

Looking for a Terms.Tech alternative? While Terms.Tech excels in European markets, US businesses and companies seeking advanced AI-powered automation need solutions better aligned with their specific requirements. We've analyzed the top B2B net terms financing platforms to help you find the perfect fit for your business.

Key Takeaways

• Resolve leads the market with AI-powered credit decisions in seconds and 100% non-recourse invoice advances
• Geographic focus matters: Terms. Tech dominates Europe while alternatives like Resolve excel in the US market
• Pricing varies significantly: From Resolve's transparent 2.61% flat fee to Fundbox's higher APRs for startup accessibility
• Integration capabilities determine implementation success—native connections save 90% of manual AR work
• Business model differences exist between credit extension platforms and payment processing solutions

1. Resolve - Best Overall Terms.Tech Alternative

Resolve stands out as the premier Terms.Tech alternative, particularly for US-based manufacturers, wholesalers, and distributors. Backed by $85 million in funding and the team behind Affirm, Resolve has processed billions in purchasing credit for approximately 12,000 business buyers since 2019.

Why Resolve Tops Our List

The platform's proprietary AI technology delivers credit decisions within seconds—not hours or days like traditional solutions. This speed, combined with comprehensive B2B payment capabilities, helps businesses increase average order values by up to 128%.

Key Features and Benefits

• 100% invoice advance within 24 hours through non-recourse financing
• Flexible payment terms of 30, 45, 60, and 90 days
• Transparent flat-fee pricing starting at 2.61% for 30-day terms
• 90% reduction in manual AR work reported by customers
• White-label payment portal maintains your brand throughout the buyer experience

Advanced Technology Integration

Resolve's accounts receivable automation employs large language model (LLM) technology for intelligent invoice processing. The platform offers native integrations with QuickBooks Online, NetSuite, BigCommerce, and Shopify, enabling seamless implementation without disrupting existing workflows.

Ideal For

• US-based B2B companies processing $1M+ in annual revenue
• Businesses seeking to eliminate collection risk
• Companies wanting to offer flexible payment options without bearing credit risk
• Organizations prioritizing automation and efficiency gains

2. Fundbox - Best for Startups and Small Businesses

Fundbox requires at least three months of transaction history, a 600+ credit score, and around $100,000 in annual revenue, making it one of the more accessible options for early-stage businesses.

What Fundbox Offers

• Business lines of credit up to $150,000
• 12 or 24-week repayment terms
• Approval decisions within minutes
• Funding in 1-2 business days
• 4.8/5 Trustpilot rating from long-term customers

Considerations

While effective APRs can exceed 35%, making it expensive for long-term use, Fundbox excels at providing rapid capital access when businesses need it most. The transparent fee structure (4.66% for 12 weeks, 8.99% for 24 weeks) eliminates hidden costs.

3. BlueVine - Best for Comprehensive Banking Solutions

BlueVine transcends traditional B2B financing by offering a complete banking platform alongside credit facilities. This integrated approach appeals to established businesses seeking to consolidate financial operations.

Complete Financial Suite

• Business lines of credit up to $250,000 at rates as low as 7.8% APR
• Business checking with up to 3.7% APY
• Business credit card with 1.5% unlimited cash back
• Term loans up to $500,000 through partners
• Invoice factoring up to $5 million via FundThrough

Requirements

• 12 months in business
• 625+ credit score
• $120,000+ annual revenue
• Available in 47 states (excludes Nevada, North Dakota, South Dakota)

4. Paystand - Best for Zero-Fee Payment Processing

Paystand revolutionizes B2B payments through blockchain technology, enabling zero-fee bank-to-bank payments while maintaining comprehensive AR automation. This unique approach benefits high-volume businesses where traditional processing fees significantly impact margins.

Revolutionary Features

• 1,000,000+ companies on the platform
• Average 49% reduction in AR costs
• Immutable blockchain transaction records
• Direct integrations with NetSuite, Sage Intacct, Microsoft Dynamics
• Real-time payment processing

While Paystand doesn't offer net terms financing like Resolve's solution, its payment efficiency improvements significantly enhance cash flow for qualifying businesses.

5. Billtrust - Best for Enterprise AR Transformation

With 24 years of experience and over one trillion dollars in invoice value annually, Billtrust represents the most mature enterprise solution. The company's AI-powered platform serves 2,400+ customers across 40 industries in 32 countries.

Enterprise-Grade Capabilities

• First to deploy generative AI in accounts receivable
• Connects to 200+ AP portals globally
• Accepts all major payment channels
• 90%+ match rates through AI reconciliation
• Comprehensive credit management tools

The platform requires longer implementation timelines and higher costs than alternatives like Resolve's quick setup, but delivers unmatched depth for large organizations.

6. Balance - Best for Marketplaces and Platforms

Balance positions itself as the financial infrastructure layer for B2B commerce, with particular strength in marketplace and platform environments. The company enables digital trade credit with terms up to Net 90 while assuming all credit risk.

Platform Benefits

• 55% increase in customer spend reported by users
• 46% reduction in credit and AR costs
• API-first architecture for custom solutions
• Specialized for marketplace economies
• Full credit risk assumption

7. TreviPay - Best for Global Operations

TreviPay brings four decades of B2B payment experience, processing $7 billion annually across 32 countries and 19 currencies. The 2022 acquisition of Apruve strengthened its technology platform significantly.

Global Capabilities

• Instant credit decisions
• Omnichannel experience support
• Self-financing options for enterprise clients
• Multi-currency and multi-country operations
• Proven scale and reliability

8. Two (formerly Tillit) - Best European Alternative

Two offers European businesses a strong regional alternative with near-instant credit decisions—often under 30 seconds—and a 98% acceptance rate. The company's AI-powered risk engines demonstrate increasing sophistication in B2B BNPL.

European Focus

• Delphi AI for credit decisions
• Frida AI for fraud prevention
• Primary markets: Norway, UK, Sweden
• Local expertise and support
• Rapid approval process

9. Credit Key - Best for Quick Settlement

Credit Key focuses on superior B2B credit at the point of purchase, offering net terms from 30 days to 12 months with 48-hour merchant payment settlement—faster than most competitors.

Speed Advantages

• 48-hour settlement timeline
• Terms from 30 days to 12 months
• Point-of-purchase credit decisions
• Maintains existing system integrations
• Rapid working capital access

10. Klarna B2B - Best for Omnichannel Retailers

While primarily known for consumer BNPL, Klarna's B2B offering provides net terms financing for business buyers, particularly in retail and e-commerce sectors.

Retail Focus

• Leverages consumer brand recognition
• Seamless omnichannel experiences
• Strong European presence
• E-commerce platform integrations
• Familiar checkout experience

Geographic Considerations

Your customer base location significantly impacts provider choice. Resolve excels in the US market, Terms.Tech dominates the EEA, while TreviPay offers global reach. Align your provider with current customers and expansion plans.

Business Model Alignment

Determine whether you need:

• Credit extension for increasing sales (Resolve's specialty)
• Working capital for operations (Fundbox, BlueVine)
• Payment processing efficiency (Paystand, Billtrust)
• Marketplace infrastructure (Balance, TreviPay)

Integration Requirements

Successful implementation depends on seamless integration. Resolve's connections with major platforms enable rapid deployment, while enterprise solutions like Billtrust require more extensive setup.

Risk Management Preferences

Choose between:

• Non-recourse financing (Resolve's approach) - complete protection from buyer default
• Recourse financing - lower fees but collection risk remains
• Self-financing - use your capital with provider infrastructure

Pricing Structure and Transparency

Evaluate total cost of ownership beyond headline rates. Resolve's flat-fee pricing starting at 2.61% provides predictability, while variable APR models like Fundbox may fluctuate. Consider hidden fees, setup costs, monthly minimums, and early payment penalties that impact your bottom line.

Customer Support and Onboarding

Implementation success depends on support quality. Resolve offers dedicated account managers and rapid onboarding, while self-service platforms may leave you navigating alone. Assess available support channels, response times, and whether assistance includes strategic AR optimization guidance.

Scalability and Growth Capacity

Your chosen platform must grow with your business. Consider credit limit increases, international expansion capabilities, and additional product offerings. Resolve scales seamlessly from startups to enterprises, while some alternatives cap growth potential or require platform migrations at higher volumes.

FAQs

What makes Resolve the best Terms.Tech alternative?

Resolve combines AI-powered instant credit decisions, 100% non-recourse invoice advances, and seamless integrations to deliver superior results. Customers report 90% reduction in manual AR work and up to 128% increase in average order values.

How quickly can I implement a Terms.Tech alternative?

Implementation timelines vary significantly. Resolve's platform typically goes live within days thanks to native integrations, while enterprise solutions like Billtrust may require weeks or months.

What are typical costs for B2B net terms financing?

Pricing ranges from Resolve's transparent 2.61% flat fee for 30-day terms to Fundbox's higher APRs (35%+) for accessible startup financing. Most platforms charge between 1-3% monthly for net terms.

Can I use these platforms if I'm not in the US?

Yes, several alternatives serve international markets. Terms.Tech and Two focus on Europe, TreviPay operates globally across 32 countries, and Billtrust serves 32 countries worldwide.

Do I need good credit to qualify?

Requirements vary by platform. Fundbox accepts 600+ credit scores with just three months in business, while BlueVine requires 625+ scores and 12 months operating history. Resolve evaluates your buyers' creditworthiness, not yours.

What's the difference between recourse and non-recourse financing?

Non-recourse financing (like Resolve offers) means you keep 100% of the advance regardless of buyer payment. Recourse financing requires you to repay if buyers default, creating collection risk.

How do these platforms handle international transactions?

Solutions vary in global capabilities. TreviPay processes transactions in 19 currencies across 32 countries, while Resolve focuses on US domestic transactions. Consider your international needs when selecting a provider.

Can I maintain my existing accounting system?

Most platforms offer accounting integrations. Resolve integrates with QuickBooks, NetSuite, and major e-commerce platforms. Fundbox connects with QuickBooks, FreshBooks, and Zoho. Verify specific compatibility before committing.

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.