United Capital Source Alternatives: 7 Better Options for B2B Financing in 2025

While United Capital Source connects businesses to 75+ lenders across various financing products, modern B2B companies are discovering superior alternatives that offer transparent pricing, non-recourse protection, and AI-powered underwriting. From Resolve's risk-free net terms to specialized revenue-based financing platforms, these seven solutions deliver better value for businesses seeking working capital without the complexity of traditional lending marketplaces.

Key Takeaways

Non-recourse financing eliminates bad debt risk: Resolve provides 100% non-recourse financing with upfront payment on approved invoices, protecting your cash flow from customer defaults
AI-powered underwriting delivers instant decisions: Modern platforms provide credit approvals in seconds versus 24-48 hours with traditional lenders, with Resolve's AI-powered credit checks requiring only business name and address
Transparent pricing beats hidden fees: Resolve’s risk-based fees typically range from around 2.6–3.5% for 30-day terms, depending on buyer risk and advance rate compared to traditional factoring's 3-15% monthly fees
Full AR automation saves 14+ hours weekly: Resolve's AR platform reduces manual work by 50% through automated workflows and collections
White-label payment portals preserve relationships: Maintain brand integrity while outsourcing collections through Resolve's branded experience
ERP integration eliminates manual reconciliation: Bi-directional sync with QuickBooks, NetSuite, and ecommerce platforms reduces errors by 50%

1. Resolve — Risk-Free B2B Net Terms with AI-Powered Automation

Resolve emerges as the premier United Capital Source alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Founded by former Amazon and PayPal executives and spun off from Affirm in 2018, Resolve brings consumer fintech innovation to B2B payments with a focus on net terms management and accounts receivable automation.

Key Features:

100% non-recourse financing with zero merchant liability for approved invoices
AI-powered instant decisions requiring only business name and address
Net 30, 45, 60, or 90-day payment terms with flexible options
Up to 100% advance payment within 24 hours
Risk-based fees starting at 2.61% for net terms
Seamless ERP integration with QuickBooks, NetSuite, Oracle, Shopify, and BigCommerce
White-label payment portal supporting ACH, wire, credit card, and check

Pricing Structure:

Transparent risk-based fees:generally in the ~2.6–3.5% range for 30-day terms, with higher fees for higher advance rates
No monthly minimums, setup fees, or hidden charges
Advance rates of 90%, 75%, or 50% based on buyer risk
Credit card fees passed to buyers through online payment portal

The platform's AI-powered AR automation saves an average of 14+ hours of AR effort per week and reduces manual errors by about 50% through automated reminders, collections, and reconciliation through automated payment reminders, collections management, and reconciliation. Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating the collections burden.

Recent customer success stories demonstrate significant impact: many businesses report up to ~40% increases in average order value and roughly 50% reductions in AR workload after adopting Resolve’s automation. The platform now supports more than 12,000 B2B businesses across diverse industries.

Resolve’s free business credit checks typically deliver decisions within hours (and usually within one business day) using proprietary AI models that evaluate thousands of data points, generating dynamic credit decisions that traditional bureaus cannot match. This approach enables faster sales cycles and higher approval rates while protecting cash flow.

According to the U.S. Small Business Administration, cash flow management remains the top challenge for growing B2B companies, making non-recourse financing solutions increasingly valuable for protecting business operations from customer payment defaults.

2. OnDeck — Direct Term Loans for Established Businesses

OnDeck represents a traditional alternative to United Capital Source's broker model by providing direct online lending for term loans and lines of credit. Founded in 2007, the company has established itself as a reliable option for businesses seeking straightforward financing without broker intermediaries.

Platform Strengths:

Direct lender relationship without broker markup
Same-day funding possible for qualified applicants
Fixed weekly or monthly repayment schedules
APR-based pricing that can be competitive for well-qualified businesses
Loan amounts up to $250,000
Established track record with significant SMB presence

Limitations:

Higher effective costs compared to invoice financing
Stricter credit requirements than broker alternatives
No accounts receivable automation or net terms management
Traditional underwriting takes longer than AI-powered platforms

OnDeck serves businesses that prefer the predictability of traditional term loans over invoice-based financing. However, the typically higher APR compared to Resolve's 2.61-3.5% fee structure makes it less cost-effective for businesses with B2B invoicing needs. The platform's strength lies in its direct relationship model, eliminating the communication gaps sometimes experienced with broker-mediated financing.

3. BlueVine — Integrated Banking and Credit Solutions

BlueVine distinguishes itself by combining business banking with credit solutions, offering high-yield checking accounts alongside lines of credit and invoice factoring. Founded in 2013, the platform has built a following among businesses seeking integrated financial management.

Core Features:

Business checking account with APY tiers ranging from ~1.3% to 3.25% depending on plan and balance
Lines of credit up to $250,000
Invoice factoring with up to 90% advance rates
QuickBooks and Xero integration
Mobile banking and payment management
Revolving credit structure for ongoing needs

Pricing Considerations:

Competitive APR rates depending on business profile and risk
Monthly fees apply (waivable under certain conditions)
Recourse factoring requiring merchant liability for unpaid invoices
Traditional underwriting process taking 24-48 hours

BlueVine's integrated banking approach appeals to businesses wanting to consolidate financial services. However, its recourse factoring model exposes merchants to bad debt risk, unlike Resolve's non-recourse protection. The platform serves businesses that prioritize banking integration over specialized B2B net terms management.

4. Kapitus — Revenue-Based Financing Across Industries

Kapitus offers revenue-based financing that works across all industries, providing flexible capital solutions for businesses with consistent revenue streams. The platform funds amounts ranging from $10,000 to $5 million with industry-agnostic underwriting.

Key Capabilities:

Revenue-based financing from $10K to $5M
24-hour funding for qualified applicants
Industry-agnostic approach accepting all business types
Flexible repayment tied to daily revenue
Multiple financing products beyond invoice financing

Considerations:

Percentage-based repayment structure
Traditional underwriting without AI optimization
No accounts receivable automation capabilities
Limited transparency on exact fee structures

Kapitus serves businesses that need flexible capital not tied to specific invoices. The revenue-based model works well for businesses with consistent daily sales but doesn't provide the specialized B2B net terms management that Resolve offers for invoice-heavy businesses. The platform's strength lies in its accessibility across diverse industries.

5. Clearco — Specialized Financing for Ecommerce and SaaS

Clearco focuses exclusively on revenue-based financing for ecommerce and SaaS businesses, having provided funding to thousands of ecommerce businesses. The platform uses advanced analytics to understand digital business models and provide growth capital.

Platform Advantages:

Specialized underwriting for digital businesses
Non-dilutive growth capital without equity requirements
Integration with major ecommerce platforms
Data-driven credit decisions based on business metrics
Flexible repayment tied to revenue performance

Limitations:

Narrow focus on ecommerce and SaaS only
Not suitable for traditional B2B invoicing businesses
Revenue-based model may not align with all business types
Limited net terms or accounts receivable capabilities

Clearco excels for digital-native businesses but doesn't address the needs of traditional B2B companies requiring net terms management and accounts receivable automation. Businesses with physical products and traditional invoicing cycles are better served by platforms like Resolve that specialize in B2B payment terms.

6. Wayflyer — Ecommerce Growth Financing

Wayflyer provides revenue-based financing specifically designed for ecommerce businesses, having provided substantial funding to ecommerce businesses globally. The platform combines financing with analytics to help businesses optimize their growth.

Key Features:

Ecommerce-focused revenue financing
Advanced analytics and performance tracking
Growth optimization recommendations
Fast approval and funding process
Specialized understanding of digital metrics

Considerations:

Exclusively for ecommerce businesses
Revenue-based repayment structure
Limited applicability to traditional B2B models
No net terms or AR automation capabilities

Wayflyer serves a specific niche in the ecommerce space but doesn't provide solutions for businesses offering traditional net payment terms to their B2B customers. Companies with standard B2B invoicing needs require specialized platforms like Resolve that understand the unique challenges of net terms management.

7. Pipe — Embedded Financial Tools for Recurring Revenue

Pipe offers embedded financial tools focused on revenue financing for businesses with recurring revenue models. Founded in 2019, the platform provides capital based on predictable future cash flows from subscription or contract-based businesses.

Core Capabilities:

Recurring revenue financing
Embedded financial infrastructure
Subscription-based business focus
Predictable cash flow analysis
Technology-native platform experience

Limitations:

Requires recurring revenue model
Not designed for traditional invoicing businesses
Limited net terms or AR management features
Narrow applicability to specific business models

Pipe serves businesses with predictable recurring revenue but doesn't address the needs of companies offering net payment terms on individual invoices. Traditional B2B businesses require platforms like Resolve that specialize in managing the complexities of net 30/60/90 payment terms and accounts receivable workflows.

Making the Right Choice for Your B2B Business

For B2B companies evaluating United Capital Source alternatives, the choice depends on your specific business model, financing needs, and operational requirements:

By Business Type:

Traditional B2B invoicing: Resolve (non-recourse net terms, AR automation)
Ecommerce B2B: Resolve (ecommerce integration) or Clearco/Wayflyer (revenue-based)
Subscription businesses: Pipe (recurring revenue focus)
General working capital needs: OnDeck or BlueVine (traditional lending)
Industry-agnostic financing: Kapitus (flexible revenue-based options)

Cost Comparison for $10,000 Invoice with 30-Day Terms:

Resolve: Approximately $261 fee (2.61%) with 90% advance
Traditional factoring (UCS network): Estimated $300-500 (3-5% monthly) with 80% advance
OnDeck equivalent: Varies based on creditworthiness and term length
BlueVine: Varies based on business profile

Implementation Timeline:

Resolve: 1-2 business days with existing integrations
OnDeck: Same-day possible for qualified applicants
BlueVine: 24-48 hours for approval
Kapitus: 24 hours funding

For B2B companies specifically, Resolve's modern approach provides the optimal combination of risk protection, operational efficiency, and cost-effectiveness. The platform's non-recourse model, AI-powered automation, and transparent pricing deliver superior value compared to traditional lending alternatives.

Frequently Asked Questions

What makes Resolve different from traditional invoice factoring companies?

Unlike traditional invoice factoring, Resolve offers 100% non-recourse financing with flat fee structures starting at 2.61% versus 3-15% monthly fees common in factoring. Traditional factoring requires selling invoices at steep discounts and often notifies your customers, damaging relationships. Resolve maintains your brand integrity through white-label payment portals while eliminating bad debt risk. Additionally, Resolve provides full AR automation that reduces manual work by 50%, something traditional factors don't offer.

How quickly can I get approved through Resolve versus an SBA loan?

Resolve provides decisions within 24 hours, often instantly for qualified buyers, with funding within 1-2 business days. In contrast, SBA loans typically take 30-90 days for approval and funding. Resolve's AI-powered underwriting evaluates thousands of data points in real-time, requiring only your customer's business name and address. This speed enables businesses to offer net terms immediately rather than waiting months for traditional financing approval.

Do I need existing revenue to qualify for Resolve?

Resolve works with your existing B2B customers and invoices, so you need established customer relationships rather than specific revenue thresholds. The platform evaluates your buyers' creditworthiness rather than your company's financials alone. Resolve's business credit checks assess buyer risk using AI and behavioral signals, enabling approval even for newer businesses with strong customer relationships. This differs from traditional lenders that focus primarily on your company's revenue and credit history.

Can Resolve integrate with my existing accounting software?

Yes, Resolve offers integration with QuickBooks, NetSuite, Oracle, Xero, and major ecommerce platforms including Shopify, BigCommerce, Magento, and WooCommerce. The bi-directional sync automatically reconciles transactions and updates your accounting records in real-time, reducing manual data entry errors by 50%. The integration process typically takes 1-2 weeks and includes dedicated support from Resolve's technical team to ensure smooth implementation.

Are Resolve's advances recourse or non-recourse financing?

Resolve's advances are 100% non-recourse financing, meaning you face zero liability if your approved customers fail to pay. This differs fundamentally from traditional factoring, which typically requires recourse agreements making you responsible for unpaid invoices. Resolve assumes the credit risk, credit assessment, and collections responsibility, protecting your cash flow and eliminating bad debt concerns. This non-recourse structure is a key differentiator that makes Resolve a superior alternative to many United Capital Source network lenders and traditional factoring companies.

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.