---
title: Better than Factoring | Resolve
description: There's a better alternative to factoring.  Reduce financial risk, & improve cash flow. You're in control, manage risk on a customer-by-customer basis.
---

# Don’t let factoring ruin your reputation

Nothing sounds the alarm to your customers more than factoring. 

Resolve provides simple net terms invoicing and cash advancements without sacrificing your time, agency, and most importantly - what customers think of you.

[ Get Started ](https://resolvepay.com/factoring#formbar)

![risk-assessment-accent](https://8982602.fs1.hubspotusercontent-na1.net/hub/8982602/hubfs/risk-assessment-accent.png?width=1912&height=1766&name=risk-assessment-accent.png)

## Everything you hate about factoring made easy

Factoring should never be an option for smart businesses, even as a last resort. Resolve is everything you wish factoring was but isn’t: fast, reliable, personalized, and transparent.

## We take the fall for defaults

Unlike factoring, Resolve doesn’t make you liable for defaults (and we’re not a loan). That means if a customer doesn’t pay, it’s on us. Feel that? It’s the stress lifting from your shoulders.

## No twists, turns, or hidden fees

We say it a lot: Resolve is part of your team. That means you have access to our credit team’s assessment and transparent pricing from the start. Know exactly what you're paying for, and why.

![Group 1393](https://8982602.fs1.hubspotusercontent-na1.net/hub/8982602/hubfs/Group%201393.png?width=504&height=293&name=Group%201393.png)

## New standard for payments

Resolve is so much more than factoring. Give your customers more time and ways to pay without sacrificing your brand. You’ll become their favorite merchant.

## Experience the Resolve difference. We’re the “buy now, pay later” spinout of Affirm, backed by PayPal’s founder.

![Affirm logo](https://8982602.fs1.hubspotusercontent-na1.net/hub/8982602/hubfs/affirmLogo.png?width=122&height=48&name=affirmLogo.png) ![paypal-seeklogo.com 1](https://8982602.fs1.hubspotusercontent-na1.net/hubfs/8982602/paypal-seeklogo.com%201.svg) ![capterra badge](https://8982602.fs1.hubspotusercontent-na1.net/hubfs/8982602/capterra%20badge.svg)

## Resolve vs. Factoring

|   | **Resolve** | Factoring |
| --- | --- | --- |
| ***Buyer Experience*** |   |   |
| **Easy Online Signup Portal** | Yes | No |
| **Paperless "Quiet" Credit Check** | Yes | No |
| **Simplified Net Terms** | Yes | No |
| **Aggressive Collection Tactics** | No | Yes |
| **Personalized Customer Support** | 2-3 hour response time | Only due to escalation |
| ***Seller's Experience*** |   |   |
| **AR Automation** | Yes | No |
| **Merchant Flexibility on Credit Limits** | Yes | No |
| **Recourse** | Non-recourse, you're not on the hook | Usually recourse |
| **Collections** | Your choice in who owns it | Owned by the factoring company |
| **Cost** | Affordable | Mid-ranged |
| **Vendor Payouts** | Same-day | No |

 

## Fuel your

## business growth

 

 

### Net terms on your terms

Offer customers 30, 45, or 60-day net terms payment options and get paid the next day. We cover up to 90% of advanced payments.

### Credit management, together

Resolve is your credit team on tap. We make credit checks, credit decisioning, and credit line management fast and easy.

### Less risk, more reward

Risk is inevitable, but with Resolve, it’s background noise. We foot the risk and the bill so you can get paid and keep moving.

## Our customers say it best

- > Resolve is like a customer satisfaction solution as they make it so easy for our customers to pay. There is an option for everyone - our customers now have 4 ways to make payments.
  
  
  
  John Sanzone, Founder and CEO
  
  Trenchless Supply
  
  
  
  ![Untitled design (1)](https://8982602.fs1.hubspotusercontent-na1.net/hubfs/8982602/Untitled%20design%20(1).svg)
- > Resolve allowed us to compete in a bigger market without taking needless risks.
  
  
  
  Bill Garnett, Head of Finance
  
  GoMaterials
  
  
  
  ![gomaterials](https://8982602.fs1.hubspotusercontent-na1.net/hub/8982602/hubfs/gomaterials.png?width=150&height=32&name=gomaterials.png)

### 8 reasons why Resolve is better than traditional invoice factoring

[ Read more ](https://resolvepay.com/blog/post/the-resolve-guide-8-reasons-to-avoid-invoice-factoring/)

Factoring:

Is slow

Defaults are on you

Fees are high

Fee structures are not clear

Can damage your brand

Is a red flag

Won't close bigger orders

## See Resolve in Action

Answer a few questions, and we'll connect you with an account manager to help make sure we're a fit for your business. 

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  "address" : {
    "@type" : "PostalAddress",
    "addressCountry" : "United States",
    "addressLocality" : "San Francisco",
    "addressRegion" : "CA",
    "postalCode" : "94114-1612",
    "streetAddress" : "2261 Market St # 4229"
  },
  "description" : "Resolve helps merchants grow B2B sales, get paid faster, and reduce risk by streamlining their net terms, accounts receivable, and payments processes.",
  "email" : "help@resolvepay.com",
  "logo" : "https://resolvepay.com/resolve-logo-open-graph.png",
  "name" : "Resolve",
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  "url" : "https://resolvepay.com/"
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```