While Thoro Corp delivers merchant cash advances with funding in under 2 hours, B2B companies increasingly seek alternatives that offer invoice-based financing, transparent pricing, and comprehensive receivables management. The traditional merchant cash advance model, while providing quick access to capital, often comes with undisclosed factor rates and recourse provisions that expose businesses to significant financial risk. According to the Fed Small Business, B2B payment complexity continues to drive demand for more sophisticated financing solutions that integrate with digital commerce platforms.
Resolve stands as the premier Thoro Corp alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Developed in PayPal co-founder Max Levchin's venture studio and spun out from Affirm in 2019, Resolve brings consumer fintech innovation to B2B payments with backing from Insight Partners through $60M in Series A funding.
The platform addresses a critical gap in B2B commerce: the need for flexible payment terms without exposing sellers to bad debt risk. While traditional merchant cash advances take a percentage of future revenue regardless of whether customers pay, Resolve's invoice-based approach provides advance funding only on approved transactions. This fundamental difference transforms working capital management for B2B companies.
Comprehensive B2B Payment Platform:
Transparent Pricing Structure:
Resolve's pricing model prioritizes transparency over hidden fees. The platform uses risk-based pricing that considers factors like customer creditworthiness, invoice amount, and payment terms. Examples include approximately 2.61% for standard risk 90% advances on 30-day terms, with fees scaling based on advance percentage and risk profile. Higher-risk transactions or 100% advances may reach approximately 3.5%, but all pricing is disclosed upfront.
Unlike merchant cash advances that obscure true costs through factor rates and holdback percentages, Resolve provides clear pricing with no setup fees, monthly minimums, or hidden charges. Credit card fees are passed directly to buyers through the online payment portal, ensuring merchants face no surprise costs.
Custom pricing is available for businesses with enterprise volumes, allowing high-transaction companies to optimize their financing costs based on specific usage patterns.
Operational Benefits and Risk Protection:
Resolve's platform addresses the fundamental limitations of merchant cash advances like Thoro Corp's offering. Instead of taking a percentage of future revenue with undisclosed factor rates, Resolve finances specific approved invoices with transparent, competitive pricing. The non-recourse model means all cash advances remain with the merchants regardless of customer payment performance, providing complete protection against defaults.
AI-powered automation delivers significant operational benefits that extend beyond financing. Resolve's LLM-powered invoicing workflow automatically syncs transactions across systems, eliminating manual data entry. AI agents manage payment reminders and collections with intelligent timing and messaging, removing the burden of chasing payments. Customers consistently report work required from their end has decreased by at least 90%, translating to 14+ hours saved weekly on accounts receivable tasks.
E-Commerce Integration and Customer Experience:
For e-commerce businesses, Resolve offers certified integrations with BigCommerce, Shopify, WooCommerce, and Magento, enabling net terms at checkout with instant credit approvals. Some purchases up to $25,000 may qualify for instant approvals, creating a seamless B2B buying experience that mirrors consumer checkout simplicity.
The white-label solution ensures customers see your brand throughout the payment experience, not a third-party factor's communications. This maintains merchant control over customer relationships while eliminating the collections burden that typically accompanies extended payment terms.
Proven Results:
Recent customer success stories demonstrate Resolve's measurable impact on business performance. Companies report 90% faster sales cycles as instant credit decisions remove financing delays. Accounting teams experience response times under 24 hours on credit approvals, dramatically accelerating order processing. The platform currently serves over 15,000 businesses across diverse B2B sectors including manufacturing, wholesale distribution, and B2B e-commerce.
Bill.com has built a substantial B2B payment network with over 8 million network members and comprehensive financial operations capabilities. The platform excels at accounts payable and receivable automation but operates fundamentally differently from invoice financing solutions like Resolve.
Platform Strengths:
Bill.com's core value proposition centers on workflow automation rather than working capital provision. The platform streamlines payment processing through multiple rails including ACH, check, wire transfers, international payments, and virtual cards. These capabilities make Bill.com particularly valuable for companies managing complex vendor relationships and high payment volumes.
The platform's broad accounting integrations enable seamless connectivity with QuickBooks, Xero, NetSuite, and other major accounting systems. This ecosystem integration reduces manual data entry and improves accuracy across financial workflows. The large business network simplifies vendor and customer onboarding, as many potential partners are already Bill.com members.
Bill.com recently announced Supplier Payments Plus for 2025, targeting high-volume suppliers with enhanced payment processing capabilities. This evolution demonstrates the platform's commitment to serving enterprise-scale operations.
Pricing and Limitations:
Bill.com operates on a subscription model with per-transaction fees that can accumulate significantly at scale. According to their 2025 policy updates, transaction fees include $0.59 per ACH payment and $1.99 per check. For businesses processing hundreds of monthly transactions, these costs require careful budgeting.
The platform does not provide embedded invoice financing or net terms capabilities. Companies needing working capital must secure separate financing arrangements, while those wanting to offer payment terms to customers require additional solutions. This contrasts with Resolve's integrated approach that combines financing, automation, and credit extension in a single platform.
Use Case Considerations:
Bill.com serves businesses prioritizing payment automation over working capital needs. Companies managing both payables and receivables without requiring financing often find Bill.com's comprehensive workflow management valuable. However, businesses seeking both AP/AR automation and invoice financing often pair Bill.com with Resolve, using Bill.com for payables management while leveraging Resolve for receivables financing and customer credit extension.
FundThrough offers straightforward invoice financing with advance rates up to 100% and 24-hour funding timelines. The platform provides spot factoring capabilities without long-term contracts, making it suitable for businesses needing occasional invoice advances without comprehensive receivables management.
Core Capabilities:
FundThrough's simplified financing process appeals to businesses wanting quick access to invoice-backed capital. The platform eschews complex contracts and monthly commitments, allowing merchants to finance invoices selectively based on immediate cash flow needs.
Integration with major accounting platforms like QuickBooks and Xero streamlines the submission process. Merchants can upload invoices directly from their accounting system, reducing administrative friction. The 24-hour funding commitment provides predictable cash flow timing for businesses managing tight working capital cycles.
Key Limitations:
The most significant limitation lies in FundThrough's recourse financing model. Unlike Resolve's non-recourse approach, FundThrough merchants remain liable if customers fail to pay invoices. This exposes businesses to bad debt risk that persists even after receiving advances. If a customer defaults, the merchant must repay the advanced funds, potentially creating cash flow crises.
FundThrough provides no B2B BNPL or net terms platform for extending credit to customers. The service purely finances existing invoices rather than enabling new sales through payment term offers. This limits its utility for businesses seeking to grow revenue by offering competitive payment options.
The platform offers limited AR automation and collections management compared to comprehensive solutions like Resolve. Merchants handle most receivables tasks manually, from credit checks to payment reminders. The absence of white-label customer experiences means merchants must manage all customer payment communications directly.
Pricing reportedly ranges around 2.2-3% per 30 days, competitive with Resolve's rates. However, the recourse risk represents a hidden cost not reflected in stated fees. When factoring potential bad debt liability, the effective cost can exceed stated pricing significantly.
Ideal Use Cases:
FundThrough serves businesses needing basic invoice advances without comprehensive receivables management. Companies with strong existing customer credit processes and occasional working capital gaps may find the simple spot factoring model adequate. However, businesses seeking complete AR automation, customer credit extension, and risk protection find Resolve's comprehensive platform more valuable despite comparable pricing.
BlueVine has evolved its business model significantly, shifting focus entirely to business banking and lines of credit. According to industry reviews, BlueVine no longer offers invoice factoring, repositioning itself as a digital banking solution rather than an invoice financing alternative.
Current Offerings:
BlueVine now concentrates on providing business lines of credit and banking services. The platform targets established businesses with $100,000+ in annual revenue, offering accessible credit with credit score requirements as low as 530. This positions BlueVine as a traditional lending alternative rather than a receivables-based financing solution.
The business checking accounts feature competitive annual percentage yields and modern digital banking features. BlueVine maintains an A+ BBB rating with generally positive customer service reviews, demonstrating competence in its repositioned market focus.
Notable Gaps for Invoice Financing:
BlueVine's departure from invoice factoring creates significant capability gaps for businesses comparing it to Thoro Corp alternatives:
Market Positioning:
BlueVine's strategic pivot reflects broader market evolution toward comprehensive payment platforms. While BlueVine excels as a business banking solution with competitive credit products, it cannot address the working capital and receivables management needs that drive businesses to seek invoice financing alternatives. Companies requiring invoice-based financing must look to specialized platforms like Resolve that maintain focus on receivables management and B2B payment innovation.
Credibly offers various small business financing options including merchant cash advances, working capital loans, and business lines of credit. The platform follows traditional MCA underwriting with revenue-based qualification requirements, positioning itself as a multi-product lender rather than a B2B payment innovator.
Service Offerings:
Credibly provides merchant cash advances with flexible repayment structures tied to revenue performance. This model allows businesses to adjust payments based on sales volumes, providing some cushion during slow periods. The platform also offers working capital loans for more established businesses seeking traditional term financing.
Business lines of credit round out Credibly's product suite, providing revolving credit access for ongoing working capital needs. The multiple financing products in one platform create convenience for businesses exploring different capital sources.
Key Constraints:
According to the Small Business Administration, businesses evaluating financing options should carefully consider both costs and risk allocation. Credibly follows traditional recourse financing models with full merchant liability for repayment regardless of customer payment behavior. This exposes businesses to financial risk that non-recourse alternatives eliminate.
The platform provides no transparent pricing disclosed publicly, requiring custom quotes for specific financing needs. This opacity contrasts with Resolve's upfront pricing transparency and makes cost comparison challenging.
Credibly offers no invoice-based financing or net terms capabilities. The revenue-based MCA model ties repayment to overall business sales rather than specific invoice performance. This prevents businesses from using Credibly to extend credit to customers or finance specific transactions.
Limited technology integration and automation capabilities mean businesses must manage most receivables and payment processes manually. The absence of B2B-specific payment features like white-label portals or instant credit decisions limits Credibly's utility for companies seeking comprehensive payment solutions.
Market Position:
Credibly serves businesses needing various traditional financing products but lacks the B2B-specific innovation defining modern payment platforms. The absence of non-recourse protection, invoice financing, and AR automation makes it less suitable for B2B companies seeking comprehensive payment solutions beyond basic working capital access.
OnDeck, acquired by Enova in 2020, provides business loans and lines of credit with established underwriting criteria. The platform serves thousands of small and medium businesses but focuses on general business lending rather than B2B payment innovation.
Platform Features:
OnDeck's primary offerings include business term loans and lines of credit backed by the company's alternative lending reputation established since 2007. The platform applies standard SMB qualification requirements including revenue thresholds, time in business, and credit history assessments.
The traditional lending approach emphasizes stability and established track records. OnDeck typically requires collateral or personal guarantees, following conservative risk management practices common among alternative lenders.
B2B Limitations:
OnDeck provides no invoice financing or factoring capabilities, focusing instead on general business credit. This prevents businesses from using OnDeck to finance specific customer invoices or extend payment terms to buyers.
The platform offers no net terms or BNPL functionality for B2B customers, limiting its utility for companies seeking to offer competitive payment options. Unlike Resolve's embedded credit platform, OnDeck cannot help businesses increase sales through flexible customer payment terms.
OnDeck provides no accounts receivable automation tools or integration with B2B e-commerce platforms. Businesses must handle all AR tasks manually, from credit checks to collections, without platform support.
Recourse financing with personal guarantees typically required exposes business owners to personal financial risk. This contrasts sharply with Resolve's non-recourse model that protects both businesses and owners from customer default risk.
Use Case Positioning:
OnDeck's traditional lending model serves businesses needing general capital for expansion, equipment, or operations. However, it cannot help B2B companies offer net terms to customers, automate receivables management, or eliminate credit risk through non-recourse financing. The platform's value proposition centers on accessible business credit rather than B2B payment innovation.
The fundamental difference between Resolve and other Thoro Corp alternatives lies in Resolve's comprehensive approach to B2B payments. While competitors offer isolated solutions—Bill.com for automation, FundThrough for financing, BlueVine for banking—Resolve combines embedded credit, invoice financing, and embedded payments into a unified platform designed specifically for B2B commerce.
Risk Elimination Through Non-Recourse Financing:
Resolve's 100% non-recourse model provides complete protection against customer defaults, fundamentally changing the risk calculus for B2B sellers. Traditional merchant cash advances and recourse factoring leave merchants liable when customers fail to pay. This creates a double loss: the merchant loses both the product delivered and the advanced capital that must be repaid.
Resolve eliminates this risk entirely. For approved invoices, Resolve assumes all credit risk, meaning advances remain the merchant's regardless of customer payment behavior. If a customer defaults, Resolve absorbs the loss while the merchant retains the full advance. This protection enables businesses to extend credit confidently to new customers and expand into new markets without fear of bad debt.
The non-recourse protection proves particularly valuable during economic uncertainty when customer default rates increase. While competitors using recourse models see merchant losses compound during downturns, Resolve's merchants maintain stable cash flow protected from credit risk.
Revenue Growth Through B2B BNPL:
Only Resolve offers true B2B buy-now-pay-later capabilities with Net 30/60/90 terms embedded directly into the sales process. This unique feature transforms how B2B buyers make purchase decisions, removing immediate payment barriers that constrain order sizes.
The instant credit decision engine evaluates buyer creditworthiness in real-time, providing approval or denial within seconds for many transactions. This eliminates the multi-day credit approval processes that slow traditional B2B sales cycles. Resolve reports that businesses using the platform experience average sales growth of 20% year-over-year and 40% increases in average order value as customers take advantage of flexible payment terms to purchase more.
The white-label implementation ensures customers see the merchant's brand throughout the payment experience, strengthening rather than diluting the customer relationship. Unlike third-party financing that inserts another brand into the transaction, Resolve operates invisibly behind the merchant's identity.
Operational Efficiency Through AI Automation:
Resolve's complete AR automation suite eliminates manual work across the entire receivables lifecycle, delivering efficiency gains no competitor matches. The platform handles credit checks, invoicing, payment reminders, collections, and reconciliation through AI-powered workflows that require minimal human intervention.
The LLM-powered invoicing system automatically syncs transactions from accounting and e-commerce platforms, generating and sending invoices without manual processing. AI agents manage payment reminder sequences with intelligent timing based on customer behavior patterns and payment history.
Collections management represents one of the most time-consuming AR tasks. Resolve's AI agents handle escalations systematically, from friendly reminders to formal collection notices, following proven sequences that maximize recovery while maintaining customer relationships. The automation reduces manual AR time by an estimated 14+ hours weekly, as customers consistently report work decreasing by at least 90%.
Reconciliation automation ensures payments match invoices accurately without manual review. The platform syncs payment data back to accounting systems automatically, maintaining data accuracy across all systems without duplicate entry.
Transparent, Competitive Pricing:
Resolve's risk-based fee structure provides clear, upfront pricing without hidden charges. Examples show fees around 2.61% for 30-day terms on 90% advances with standard risk profiles. All pricing is disclosed before merchants commit, enabling accurate cost analysis.
This transparency contrasts sharply with merchant cash advances like Thoro Corp that obscure true costs through factor rates and holdback percentages. When merchants calculate the effective APR on many MCA products, the costs far exceed Resolve's transparent rates.
Bill.com's transaction fees accumulate significantly at scale. A business processing 500 ACH payments monthly pays $295 in transaction fees alone, before subscription costs. Resolve's all-inclusive pricing includes financing, automation, and collections in a single fee without per-transaction charges.
Custom pricing for enterprise volumes allows high-transaction businesses to optimize costs. Resolve works with large merchants to structure pricing that aligns with their specific usage patterns and volumes.
Implementation and Integration Advantages:
Resolve offers certified integrations with major e-commerce platforms including BigCommerce, Shopify, WooCommerce, and Magento. Accounting integrations with QuickBooks, NetSuite, Xero, and Sage Intacct ensure bi-directional data sync without manual intervention.
These integrations enable rapid implementation measured in days rather than months. E-commerce businesses can activate net terms at checkout quickly, beginning to capture increased sales almost immediately. The technical integration handles data synchronization automatically, eliminating the manual reconciliation that plagues disconnected systems.
The platform's accessibility extends to businesses of all sizes. While enterprise-grade capabilities might suggest high entry barriers, Resolve structures its offering to serve growing businesses alongside large established companies. The lack of setup fees and monthly minimums removes barriers that prevent smaller businesses from accessing sophisticated financing and automation.
Non-recourse invoice financing means the financing provider assumes all credit risk for approved invoices. With Resolve, advances remain yours regardless of customer payment behavior. Traditional factoring and merchant cash advances use recourse models where merchants remain liable if customers don't pay, exposing businesses to bad debt risk and potential repayment obligations.
B2B BNPL solutions enable customers to purchase more by spreading payments over time. Resolve reports average sales growth of 20% year-over-year and 40% increases in average order value for businesses offering net terms. The white-label implementation maintains your brand throughout the payment experience, strengthening customer relationships while providing flexible payment options that increase purchasing power.
Look for certified integrations with your e-commerce and accounting systems. Resolve offers native integrations with BigCommerce, Shopify, WooCommerce, Magento, QuickBooks, NetSuite, Xero, and Sage Intacct. These bi-directional syncs ensure seamless data flow, eliminating manual data entry and reconciliation errors while enabling net terms at checkout for e-commerce businesses.
Resolve's AI-powered automation handles credit checks, invoicing, payment reminders, collections, and reconciliation automatically. Customers consistently report work decreasing by at least 90%, translating to an estimated 14+ hours saved weekly on accounts receivable tasks. The automation shrinks days sales outstanding to approximately 1 day instead of typical 30-90 day collection cycles.
Merchant cash advances often obscure true costs through factor rates and holdback percentages rather than transparent interest rates. When calculated as APR, many MCAs carry costs significantly higher than disclosed rates suggest. Additionally, recourse provisions mean merchants may need to repay advances if customers default, creating potential losses beyond stated fees. Resolve's transparent risk-based pricing with non-recourse protection eliminates these hidden costs.
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.