While Accion Opportunity Fund serves underserved entrepreneurs with loans typically ranging from $5,000 up to $250,000, with APRs varying by product and borrower profile—generally from the high single digits to the high 20s or more—B2B businesses seeking working capital have superior alternatives that eliminate traditional lending constraints. Resolve Pay leads this new category by transforming how B2B companies extend credit to their customers while securing immediate cash flow without taking on debt.
Resolve Pay redefines business financing for B2B companies by eliminating the need to take on debt entirely. Instead of applying for a loan like you would with Accion Opportunity Fund, Resolve advances payment on your approved customer invoices—transforming your accounts receivable into immediate working capital.
Key Features:
How It Works for B2B Businesses:
Unlike Accion's direct lending model, Resolve operates on a B2B payment infrastructure that benefits both you and your customers. When you onboard with Resolve, you gain access to:
Pricing Transparency:
The alternative lending landscape has evolved dramatically, with the global microfinance market projected to reach $640.84 billion by 2033. However, B2B businesses face unique challenges that traditional microlenders like Accion weren't designed to solve. While Accion serves 90% women, people of color, and/or low-to-moderate income borrowers through its CDFI mission, B2B suppliers need solutions that help them extend credit to their own customers while protecting cash flow.
Resolve's approach directly addresses the limitations of traditional microlending. While most CDFIs reported increased demand in 2023, they struggle with capital constraints and manual processes. Resolve eliminates these bottlenecks through automated underwriting and non-recourse financing that scales with your business.
The platform currently serves thousands of businesses across various industries, with particular strength in wholesale, manufacturing, and distribution sectors where net terms are standard practice. Recent case studies demonstrate significant impact: businesses have achieved substantial revenue growth, increased sales volume, and unlocked working capital without taking on additional debt.
The SBA microloan program provides an official government alternative to Accion Opportunity Fund through approved intermediary lenders.
Program Features:
Limitations:
The SBA microloan program serves as a viable alternative for businesses that meet basic eligibility requirements and can wait for the lengthy approval process. However, the $50,000 cap and interest rates make it less attractive than some nonprofit microlenders for larger funding needs.
Kiva offers a unique alternative through its crowdfunded microlending platform, providing 0% interest loans up to $15,000.
Platform Benefits:
Process Considerations:
Kiva's zero-interest model makes it particularly attractive for businesses that can wait for the extended funding timeline and have strong storytelling capabilities to attract crowdfunders.
LiftFund provides an alternative with significantly higher loan limits and a focus on credit building for underserved entrepreneurs.
Key Advantages:
Eligibility Requirements:
LiftFund's higher loan limits and credit-building focus make it ideal for businesses planning significant growth or those needing larger capital infusions than some microlenders can provide.
Grameen America offers a specialized alternative exclusively for women entrepreneurs, following the original Grameen Bank model.
Program Structure:
Unique Requirements:
Grameen America's specialized focus on women entrepreneurs provides both capital and community support, though the loan amounts are significantly smaller than Accion's offerings.
Online lenders like BlueVine, Fundbox, and OnDeck provide fast approval and funding as alternatives to Accion's traditional process.
Speed Advantages:
Cost Considerations:
While these platforms offer speed advantages over Accion's multi-day approval process, the high costs make them suitable only for short-term emergency funding rather than strategic business growth.
Small business grants provide non-repayable alternatives to loans, though they come with significant limitations.
Grant Opportunities:
Realistic Expectations:
Grants represent ideal funding since they don't need to be repaid, but their scarcity and complexity make them supplementary rather than primary funding sources for most businesses.
For B2B companies, the fundamental difference between Resolve and traditional lenders like Accion lies in the business model. Accion provides debt capital to your business, creating monthly payment obligations and balance sheet liabilities. Resolve transforms your existing B2B sales into immediate cash flow without creating new debt.
Strategic Advantages for B2B Growth:
Resolve's approach directly addresses the challenges faced by the more than 1,400 certified CDFIs operating in the U.S., many of which struggle with capital constraints and manual processes. By providing a technology-driven, non-recourse solution, Resolve enables B2B businesses to serve underserved markets without the operational burden.
When evaluating alternatives to Accion Opportunity Fund, consider your business model and funding needs:
For B2B businesses selling to other companies:
For direct capital needs (non-B2B):
Key Decision Factors:
For B2B businesses specifically, Resolve represents a paradigm shift from traditional lending to embedded payment solutions that grow your business while protecting cash flow. The platform's integration with existing accounting and ecommerce systems ensures seamless adoption without disrupting established workflows.
For B2B startups with no revenue, Resolve Pay offers a unique advantage by underwriting your customers rather than your business. This means you can offer net terms to creditworthy buyers and receive immediate payment on their invoices, even without established revenue. For non-B2B startups, Kiva provides zero-interest loans with no minimum revenue requirements, while Grameen America offers microloans to women entrepreneurs with no revenue minimums.
SBA microloans have interest rates that vary by intermediary, typically around 8-13%, compared to Accion's variable rates. SBA microloans are offered nationwide through established intermediary lenders. Approval time for SBA microloans is typically several weeks, while Accion provides decisions within several days. Both require collateral and personal guarantees, but SBA loans cannot be used for existing debt repayment or real estate purchases.
Yes, several alternatives accommodate borrowers with bad credit. Kiva has no minimum credit score requirement, Grameen America accepts borrowers regardless of credit history, and Resolve Pay doesn't evaluate your business credit at all—instead underwriting your customers. LiftFund works with businesses that have limited credit, and some online lenders accept lower credit scores. However, expect higher interest rates or additional requirements like group lending (Grameen) or crowdfunding campaigns (Kiva).
For B2B businesses, Resolve Pay provides the fastest funding—up to 100% of approved invoices within 24 hours with no loan application required. For non-B2B businesses, online alternative lenders like OnDeck can provide same-day funding, though at significantly higher costs. Traditional microlenders like Accion typically require several days for approval and additional days for funding, while Kiva's crowdfunding process takes approximately two months.
Invoice factoring involves selling your outstanding invoices to a third party (factor) at a discount in exchange for immediate cash. Traditional factoring is often recourse-based, meaning you're liable if customers don't pay. Resolve offers a modern factoring alternative with non-recourse financing—Resolve assumes the payment risk while advancing up to 100% of invoice value. This eliminates the steep discounts and customer relationship disruption common with traditional factoring.
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.