While Wayflyer serves e-commerce brands with revenue-based financing for growth capital, B2B businesses needing to offer net terms to buyers require fundamentally different solutions. Resolve Pay leads this category by enabling sellers to provide 30-90 day payment terms while getting paid immediately—with complete accounts receivable automation and non-recourse protection.
Resolve Pay stands out as the premier alternative for B2B businesses that need to offer net terms to buyers while maintaining healthy cash flow. Unlike revenue-based financing platforms that provide growth capital to sellers, Resolve solves the complete B2B payment workflow challenge.
Key Features:
Pricing Structure:
The platform's AI-powered reconciliation reduces manual AR work by up to 50%, while its integrated payment portal maintains your brand relationship with customers. Recent case studies demonstrate significant impact: Archipelago tripled revenue, Shields won new business with net terms, and SSSI achieved 5x revenue growth.
Unlike traditional factoring, Resolve maintains merchant control over customer relationships while eliminating collections burden. The platform currently serves thousands of businesses with backing from key investors including Insight Partners, Initialized Capital, and Commerce Ventures.
Clearco specializes in providing growth capital to e-commerce businesses without requiring equity dilution. Founded in 2015 in Toronto, the platform focuses specifically on marketing spend financing rather than B2B payment solutions.
Platform Characteristics:
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Market analysis positions Clearco as ideal for DTC brands scaling ad spend, but the platform doesn't address B2B sellers' need to offer payment flexibility to buyers. The lack of transparent fee disclosure and AR automation capabilities limits its appeal for B2B-focused businesses.
8fig combines revenue-based financing with AI-powered supply chain planning tools. The Austin-based platform, founded in 2020, offers up to $10 million in funding with integrated inventory management capabilities.
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Industry analysis suggests 8fig excels for inventory-heavy e-commerce sellers needing supply chain insights, but the platform doesn't serve B2B businesses requiring net terms capabilities. The narrow focus on supply chain management rather than payment workflow optimization limits its relevance for B2B sellers.
TreviPay represents the enterprise alternative for global B2B businesses, processing over $6 billion annually across 32 countries. The established platform offers custom white-labeled net terms programs for large organizations.
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Implementation Considerations:
Industry research indicates that while TreviPay excels for global enterprises needing $100M+ scale, mid-market businesses benefit more from Resolve's faster implementation (weeks vs 6 months) and transparent SaaS pricing model.
Billie focuses exclusively on the European B2B BNPL market, serving over 750,000+ buyers across the continent. The platform provides instant credit checks and streamlined onboarding for European businesses.
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According to BNPL market analysis, Billie represents the European alternative to global platforms, but North American B2B businesses require solutions with domestic compliance expertise and established local networks.
Fundbox provides credit lines from $1,000 to $150,000 for small businesses that traditional lenders overlook. Since its founding in 2013, the platform has facilitated access to capital for over 325,000 small businesses and has raised over $550 million in funding to support its operations.
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High-Cost Structure:
Financing analysis indicates that while Fundbox provides critical funding when banks won't help, the high costs make it less suitable for businesses seeking sustainable B2B payment solutions.
The B2B payments landscape has evolved dramatically, with businesses increasingly seeking solutions that combine payment flexibility for buyers with immediate cash flow for sellers. Federal Reserve industry research, B2B payment terms significantly impact both buyer relationships and seller cash flow management.
For B2B companies evaluating alternatives to revenue-based financing platforms, the choice depends on your specific business model and needs:
Choose Resolve Pay when you need:
Choose Revenue-Based Financing when you need:
Implementation Timeline Reality:
Businesses seeking expert guidance on B2B payment platform selection can request a consultation to evaluate their specific requirements and implementation timeline.
Revenue-based financing platforms provide growth capital where the seller receives funding (typically $10K-$20M) and repays a percentage of future sales with fees ranging from 5-10%. Invoice factoring involves selling outstanding invoices to a third party for immediate cash, typically at 70-90% advance rates with 1-5% monthly fees. Resolve combines the best of both approaches with non-recourse financing that advances up to 100% of invoice value at transparent flat fees up to 3.5%.
True pre-revenue startups face significant challenges qualifying for revenue-based financing, as these solutions require existing sales history for underwriting. Alternative options for early-stage businesses include personal credit-based loans, SBA microloans, or grants. Resolve's business credit check can help newer businesses understand their creditworthiness before pursuing financing options.
Advance rates represent the percentage of invoice value paid upfront by the financing provider. Traditional factoring typically offers 70-90% advances, while Resolve provides flexible advance rates of 50%, 75%, 90%, or up to 100% based on buyer creditworthiness and risk assessment. Higher advance rates typically correlate with higher fees, allowing businesses to choose their preferred balance of immediate cash versus total cost.
Revenue-based financing offers faster approval (24-48 hours) and flexible repayment tied to sales, but at significantly higher costs (typically 5-10% fees). SBA loans provide lower-cost, long-term capital but require extensive documentation, personal guarantees, and 30-90 day approval timelines. According to the Small Business Administration, SBA 7(a) loan rates are typically based on the prime rate plus a margin, with current APRs often in the 10-15% range. The choice depends on urgency versus cost sensitivity—fast-growing businesses needing immediate capital often choose revenue-based financing despite higher costs.
Essential integrations include ERP and accounting software (QuickBooks, NetSuite, Xero), ecommerce platform connectivity (Shopify, BigCommerce, WooCommerce), and automated reconciliation capabilities. Resolve's platform offers comprehensive integration support with leading ERP, accounting, and commerce platforms, enabling seamless data flow and eliminating manual entry errors.
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.