8fig Alternatives: Best Options for B2B Growth Capital in 2025

While 8fig has deployed over $500 million to e-commerce sellers with its supply chain funding model, B2B businesses are discovering superior alternatives that offer lower costs, non-recourse protection, and comprehensive accounts receivable automation. For B2B manufacturers, wholesalers, and distributors specifically, Resolve Pay's net terms platform delivers the working capital solutions businesses need without the complexity or high fees of e-commerce-focused lenders.

Key Takeaways

Non-recourse financing eliminates risk: Resolve provides 100% non-recourse net terms financing with zero seller risk, unlike 8fig's revenue-based model that still requires repayment regardless of customer payment
Significantly lower costs: Resolve's fees of 2.61-3.5% for Net 30 terms are dramatically lower than 8fig's 6-14% cost capital fees, representing a 50-75% cost reduction for B2B businesses
Comprehensive AR automation: Resolve's platform handles credit checks, invoicing, collections, and reconciliation in one system, saving 14+ hours per week in manual work
True B2B specialization: While 8fig focuses on DTC e-commerce inventory funding, Resolve is purpose-built for B2B trade credit with white-label portals and ERP integrations
Enterprise-grade integrations: Resolve offers deep bi-directional integration with QuickBooks, NetSuite, Oracle, and other ERP systems that e-commerce lenders lack
AI-powered underwriting: Instant credit decisions using proprietary models that evaluate thousands of data points beyond traditional credit bureaus

1. Resolve Pay — B2B Net Terms Without the Risk

Resolve Pay stands out as the premier 8fig alternative for B2B businesses by completely eliminating merchant risk through its 100% non-recourse financing model. Founded in 2019 as a spin-off from Affirm, Resolve brings consumer fintech innovation to B2B payments with a focus on net terms, accounts receivable automation, and embedded payments.

Key Features:

100% non-recourse financing with zero merchant risk on approved invoices
Instant credit decisions using proprietary AI underwriting
Net 30, 60, or 90-day payment terms for buyers
Up to 90% advance payment within 24-48 hours
Risk-based fees of 2.61-3.5% for Net 30 terms
QuickBooks and NetSuite integration
White-label payment portal for customers
AI-powered AR automation reducing AR workload significantly (14+ hours per week)

Pricing Structure:

Flat fees of 2.61-3.5% for Net 30 terms (vs. 6-14% for 8fig)
No monthly minimums or setup fees
No hidden charges or volume requirements
Custom pricing for enterprise volumes

The platform's AI-powered reconciliation automates payment matching and reduces manual work significantly, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Businesses report up to 40% increase in order value, 90% faster sales cycles, and 14+ hours per week saved on accounts receivable tasks.

Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating collections burden. The platform currently serves over 12,000 businesses with backing from Initialized Capital and Commerce Ventures.

For B2B companies, Resolve's business credit check service provides free, 24-hour credit evaluations requiring only company name and address, making it easy to assess buyer creditworthiness before extending terms. The net terms for ecommerce integration also supports B2B marketplaces and online sales channels with instant approvals often up to $25,000.

2. Wayflyer — Revenue-Based Financing for E-commerce Brands

Wayflyer represents a strong alternative for multi-channel e-commerce brands needing large funding amounts. The company has deployed over $5 billion to 5,000+ businesses since its launch in 2020, offering revenue-based financing with no spend restrictions.

Platform Strengths:

Funding amounts from $5,000 to $20 million
No restrictions on how capital is used
Revenue-based repayment model
Marketing analytics dashboard
24-hour funding decisions
Shopify and Amazon integrations

Pricing Structure:

Fixed fees typically 5-10%
No equity required
No monthly fees
Custom pricing based on revenue and growth metrics

Wayflyer's notable strength lies in its ability to provide substantial capital for established e-commerce brands with predictable revenue streams. However, as a revenue-based lender, it still requires repayment regardless of customer payment performance, unlike Resolve's non-recourse model that eliminates credit risk entirely.

For businesses with $100,000+ in monthly revenue seeking large-scale growth capital, Wayflyer offers a viable alternative. However, B2B companies focused on trade credit and accounts receivable management will find Resolve's specialized platform more aligned with their operational needs.

3. Clearco — Marketing and Inventory Financing

Clearco, founded in 2015, specializes in marketing and inventory financing for e-commerce brands. The platform provides data-driven funding with fast approvals and no equity requirements.

Core Features:

Marketing and inventory-focused funding
Fast approval process
No equity dilution
Data-driven underwriting
Shopify and e-commerce platform integrations
Growth analytics dashboard

Fee Structure:

Fixed fees of 8-14%
No monthly payments
Repayment tied to revenue
No personal guarantees required

Clearco excels at providing capital specifically for marketing campaigns and inventory purchases, making it ideal for e-commerce brands with strong marketing ROI. However, like other revenue-based lenders, it doesn't address the accounts receivable challenges that B2B businesses face, nor does it offer the non-recourse protection that Resolve provides.

4. SBA Loans — Government-Backed Traditional Financing

Small Business Administration (SBA) loans represent the traditional alternative to fintech lenders like 8fig. These government-backed loans offer long repayment terms for qualified businesses.

Loan Types:

SBA 7(a) loans: Up to $5 million for general business purposes
SBA 504 loans: For real estate and equipment purchases
SBA microloans: Up to $50,000 for startups and small businesses
Long repayment terms (up to 25 years for real estate)
Interest rates (typically 11-14% as of late 2025)

Requirements:

Strong personal and business credit scores
Minimum 2 years in business
Substantial documentation requirements
Personal guarantees typically required
30-90 day approval timelines

SBA loans work best for established businesses with strong credit profiles and significant collateral. However, the lengthy approval process and documentation requirements make them unsuitable for businesses needing quick access to working capital. Additionally, SBA loans don't address the specific challenges of B2B trade credit and accounts receivable management that Resolve's platform solves.

For B2B companies seeking long-term financing for real estate or major equipment purchases, SBA 504 loans remain valuable. But for working capital needs tied to accounts receivable, Resolve's same-day funding and non-recourse protection offer superior flexibility and speed.

5. Funding Circle — Peer-to-Peer Business Lending

Funding Circle pioneered peer-to-peer business lending and continues to offer term loans to small and medium businesses. The platform connects businesses directly with investors for competitive rates.

Platform Features:

Term loans from $25,000 to $500,000
Fixed repayment schedules
Competitive interest rates
Online application process
Quick funding (as fast as 24 hours)
No prepayment penalties

Pricing:

Starting around 6.9% APR
Origination fees apply
Fixed monthly payments
Terms from 6 months to 5 years

Funding Circle works well for businesses needing predictable, fixed-payment financing for specific projects or equipment purchases. However, like traditional loans, it requires regular payments regardless of cash flow or customer payment performance. This creates risk during slow periods or when customers delay payment—risks that Resolve's non-recourse model eliminates entirely.

6. OnRamp Funding — Flexible Growth Capital

OnRamp Funding provides flexible growth capital for e-commerce and digital businesses. The platform focuses on founder-friendly terms with milestone-based funding and non-dilutive capital.

Key Features:

Flexible capital aligned to business milestones
Non-dilutive financing (no equity required)
Customer acquisition and marketing focus
Inventory scaling support
Founder-friendly terms
Quick approval process

Pricing Structure:

Revenue-based repayment model
Flexible terms based on business stage
No fixed monthly payments
Variable fee structure

OnRamp excels at providing growth capital for businesses with clear milestones and predictable customer acquisition costs. However, it shares the same fundamental limitation as other revenue-based lenders—repayment obligation remains with the merchant regardless of customer payment performance.

7. Equity Crowdfunding — Investment-Based Alternatives

Platforms like Republic, SeedInvest and WeFunder offer equity crowdfunding as an alternative to debt-based financing. These platforms connect businesses with accredited and non-accredited investors willing to exchange capital for equity.

Platform Options:

Republic: Broad investor base with Reg CF and Reg A+ offerings
SeedInvest: Focus on high-growth startups with rigorous screening
WeFunder: Community-focused platform with social investing features
StartEngine: Comprehensive platform for various offering types

Considerations:

Equity dilution (typically 5-20% for early rounds)
Investor management requirements
Regulatory compliance (Reg CF, Reg A+, Reg D)
Valuation negotiations required
No repayment obligation but loss of ownership

Equity crowdfunding works best for high-growth businesses with strong investor appeal and scalable business models. However, it fundamentally differs from Resolve's debt-based model by requiring equity sacrifice in exchange for capital.

For B2B companies seeking to maintain full ownership while accessing working capital, Resolve's non-dilutive financing provides a clear advantage. Additionally, equity crowdfunding doesn't address the operational challenges of accounts receivable management that Resolve's platform solves.

Making the Right Choice for Your B2B Business

For B2B companies evaluating 8fig alternatives, the choice ultimately depends on your business model, risk tolerance, and operational needs:

By Business Type:

B2B manufacturers/wholesalers: Resolve Pay (non-recourse protection, AR automation, white-label portal)
Multi-channel e-commerce: Wayflyer (large funding amounts, no spend restrictions)
Marketing-heavy e-commerce: Clearco (specialized marketing financing)
Asset-heavy businesses: SBA loans (long terms for real estate/equipment)
Project-based financing: Funding Circle (predictable term loans)
High-growth startups: Equity crowdfunding (non-dilutive alternatives limited)

Implementation Timeline Reality Check:

Same day: Resolve Pay (with existing integrations)
1-2 days: Wayflyer, Clearco (basic setup)
2-4 weeks: SBA loans (documentation and approval)
4-8 weeks: Traditional bank loans (underwriting and closing)

For B2B companies specifically, Resolve's better than factoring approach provides the ideal combination of low cost, non-recourse protection, and comprehensive automation that e-commerce-focused alternatives like 8fig simply cannot match.

Industry research valued the global real-time payments market at $24.91 billion in 2024, with forecasts of a 35.4% compound annual growth rate through 2032. This expansion has created sophisticated B2B financing options that often surpass e-commerce platforms in specific areas critical to B2B success.

Frequently Asked Questions

What is the main difference between 8fig and Resolve Pay for B2B businesses?

The fundamental difference lies in their business models and risk structures. 8fig uses a revenue-based financing model with 6-14% fixed fees that requires repayment regardless of customer payment performance. Resolve Pay offers non-recourse net terms financing with 2.61-3.5% fees where Resolve assumes 100% of the credit risk on approved invoices. Additionally, 8fig focuses on e-commerce supply chain funding and inventory planning, while Resolve specializes in B2B trade credit with comprehensive accounts receivable automation and white-label payment portals.

Can I get business funding with no revenue using 8fig alternatives?

Most 8fig alternatives, including Resolve Pay, require established revenue streams and customer relationships. Resolve specifically needs B2B sales with accounts receivable to finance. For pre-revenue startups, equity crowdfunding platforms like Republic or SeedInvest, SBA microloans, or business credit cards based on personal credit are better options. However, these alternatives involve equity dilution, personal guarantees, or high interest rates that established B2B businesses can avoid with Resolve's invoice-based financing.

How does revenue-based financing compare to equity crowdfunding for dilution?

Revenue-based financing from 8fig, Wayflyer, or Clearco involves no equity dilution but requires repayment regardless of business performance. Equity crowdfunding requires giving up 5-20% ownership but eliminates repayment obligations. For B2B businesses with predictable customer payment cycles, Resolve's non-recourse financing provides the best of both worlds—no equity dilution and no repayment risk, since Resolve assumes all credit risk on approved invoices. This makes Resolve particularly attractive for established B2B companies seeking to maintain full ownership while managing cash flow.

What are the typical approval times for SBA loans vs. revenue-based lenders?

SBA loans typically require 30-90 days for approval due to extensive documentation requirements and government processing. Revenue-based lenders like 8fig and Wayflyer offer 24-hour approval decisions based on automated underwriting. Resolve Pay provides instant credit decisions for buyers using AI-powered underwriting, with funding within 24-48 hours for approved invoices. For B2B businesses needing immediate working capital, Resolve's speed significantly outperforms traditional SBA timelines while providing superior risk protection compared to revenue-based alternatives.

When should B2B sellers choose invoice financing over revenue-based financing?

B2B sellers should choose invoice financing like Resolve's net terms when they have established customer relationships, predictable accounts receivable, and want to eliminate credit risk. Revenue-based financing works better for e-commerce businesses with subscription or recurring revenue models. Invoice financing aligns funding directly with actual sales and customer payments, while revenue-based financing requires repayment regardless of customer payment timing. For B2B companies where cash flow depends on customer payment cycles, Resolve's non-recourse invoice financing provides superior risk management and cost efficiency.

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.