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.
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.
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%.
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.
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.
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.
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.
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.
While Paystand doesn't offer net terms financing like Resolve's solution, its payment efficiency improvements significantly enhance cash flow for qualifying businesses.
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.
The platform requires longer implementation timelines and higher costs than alternatives like Resolve's quick setup, but delivers unmatched depth for large organizations.
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.
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.
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.
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.
While primarily known for consumer BNPL, Klarna's B2B offering provides net terms financing for business buyers, particularly in retail and e-commerce sectors.
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.
Determine whether you need:
Successful implementation depends on seamless integration. Resolve's connections with major platforms enable rapid deployment, while enterprise solutions like Billtrust require more extensive setup.
Choose between:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.