Biz2Credit Alternatives: 7 Best Options for Small Business Financing in 2025

While Biz2Credit has established itself as a go-to alternative lender, the rapidly expanding alternative lending market has produced superior options that offer faster funding, transparent pricing, and AI-powered underwriting. From Resolve's non-recourse invoice financing to specialized SBA alternatives, these seven platforms deliver the capital businesses need without the hidden fees and lengthy processes that plague traditional alternative lenders.

Key Takeaways

Non-recourse financing eliminates risk: Resolve provides non-recourse financing with up to 100% advance on approved invoices, meaning you keep the advanced funds if the customer doesn’t pay, excluding fraud, disputes, or other exceptions stated in your agreement
AI underwriting transforms approval speed: Modern platforms deliver credit decisions often significantly faster than Biz2Credit, with timelines varying by provider and documentation, with Resolve's AI-powered credit checks often only require a business name and address
Invoice financing beats traditional loans: For B2B businesses with outstanding invoices, Resolve advances up to 90% within 24 hours at fees as low as 2.61%, compared to higher APRs and personal guarantees from traditional lenders
Embedded payments are the future: Resolve's AI-powered accounts receivable automation streamlines the entire credit-to-cash workflow, reducing DSO and accelerating cash flow
Transparency matters: Resolve's transparent pricing (2.61%-3.5%) is significantly clearer than many alternative lenders' complex pricing structures
Integration capabilities save time: Resolve's seamless integrations with QuickBooks, Shopify, and other platforms eliminate manual data entry and reconciliation

1. Resolve — The Modern Alternative to Traditional Alternative Lending

Resolve stands out as the premier Biz2Credit alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Unlike Biz2Credit's loan-based approach that requires personal guarantees and puts your personal assets at risk, Resolve advances payment on your approved invoices and assumes all credit risk.

Key Features:

100% non-recourse financing with zero merchant risk —what you get is yours to keep, excluding fraud, disputes, or other exceptions stated in your agreement
Instant credit decisions using proprietary AI underwriting with experts from Amazon and PayPal
Net 30, 60, or 90-day payment terms for your customers
Advance payment up to 100% on approved invoices within 24 hours
Competitive fees ranging from 2.61% on 30-day terms to 3.5% for 100% advances
Seamless integration with QuickBooks, Xero, NetSuite, Shopify, BigCommerce, and WooCommerce
White-label payment portal accepting ACH, credit card, wire, or check

How It Works for B2B Businesses:

Resolve transforms your accounts receivable into immediate working capital without the drawbacks of traditional business loans. Instead of applying for a loan based on your creditworthiness, Resolve evaluates your customers' credit profiles and advances payment on their invoices. This approach is particularly powerful for B2B businesses that offer net payment terms to their customers.

The platform's AI-powered accounts receivable automation handles the entire workflow from credit checking to collections, significantly reducing manual work. Your customers maintain their preferred payment terms while you receive cash immediately, solving the fundamental cash flow challenge that plagues growing B2B businesses.

Unlike many alternative lenders' complex pricing structures, Resolve's transparent flat fee structure makes cost comparison straightforward. For a $10,000 invoice with 30-day terms, you'd pay $261-$350 in fees (2.61%-3.5%) versus potentially $2,000-$4,000 with short-term loan alternatives.

Resolve's business credit check service provides deeper insights than traditional bureaus, requiring only your customer's business name and address for 24-hour turnaround. This eliminates the paperwork burden that frustrates many Biz2Credit users while delivering more accurate credit decisions.

The platform currently serves thousands of businesses and has processed substantial B2B transaction volume, demonstrating its reliability and scalability for businesses of all sizes.

2. Bluevine — Leading Digital Lender with Multiple Products

Bluevine has established itself as one of the top alternative lenders with significant industry recognition. The platform primarily offers lines of credit and business banking products.

Platform Strengths:

Lines of credit up to $250,000
Business banking products
Line of credit funding
Quick online application process
Integration with QuickBooks
Mobile app for account management

Pricing Structure:

Lines of credit: Competitive rates based on qualifications
Origination fees may apply
Personal guarantee typically required

Bluevine caters to established businesses with at least 6 months in operation, $10,000+ in monthly revenue, and a 625+ personal credit score. While it offers faster funding than traditional banks, it still requires personal guarantees that put your personal assets at risk—unlike Resolve's non-recourse model.

3. Fundbox — Quick Capital for Small Businesses

Fundbox occupies a distinct niche providing credit lines from $1,000 to $150,000 for small businesses that traditional lenders overlook. Since 2013, the platform has provided billions in funding to hundreds of thousands of businesses.

Speed and Accessibility:

Instant decisions, next-day funding
Credit lines up to $150,000
12, 24, or 52-week repayment terms
No collateral requirements
Integration with accounting software

High-Cost Structure:

Fees typically start around 4.66% for a 12-week plan or 8.99% for a 24-week plan
Effective APR often exceeds 35%
$50 late payment fees plus NSF charges
Personal guarantee required

While Fundbox provides critical funding when banks won't help, its high costs make it less suitable for businesses seeking sustainable financing solutions. Unlike Resolve's invoice-based model that scales with your sales, Fundbox's credit lines have fixed limits that may not accommodate rapid business growth.

For B2B businesses with outstanding invoices, Resolve offers a more cost-effective solution that directly addresses cash flow gaps without the high effective APRs associated with Fundbox's lending model.

4. OnDeck — Established Alternative Lender

OnDeck, founded in 2007 and later acquired by Enova, has processed over $15 billion in loans to small businesses. The platform offers term loans and lines of credit with a focus on established businesses.

Platform Features:

Term loans from $5,000 to $250,000
Lines of credit from $6,000 to $100,000
Repayment terms from 3 to 36 months
Next-day funding available
Online application process

Pricing and Requirements:

APRs typically ranging from around 14% to 80%
Origination fees of 0%-4%
Minimum 1 year in business
Minimum $100,000 annual revenue
Minimum 600 credit score
Personal guarantee required

OnDeck represents a more traditional alternative lending approach that still requires extensive documentation and personal liability. While it offers larger loan amounts than some competitors, its costs remain high compared to invoice financing alternatives like Resolve.

For B2B businesses with reliable customers and outstanding invoices, Resolve's non-recourse model provides better risk protection and potentially lower costs than OnDeck's loan-based approach.

5. CAN Capital — Revenue-Based Financing

CAN Capital has been providing alternative financing since 1998 and has deployed billions in capital. The platform specializes in revenue-based financing with flexible repayment terms tied to daily credit card sales.

Key Offerings:

Term loans from $5,000 to $250,000
Revenue-based financing with daily repayments
Industry-specific expertise
Established track record

Pricing Structure:

Factor rates typically ranging from 1.10 to 1.50
Effective APRs often exceeding 40%
Origination fees of 2%-6%
Personal guarantee required
Minimum 6 months in business
Minimum $150,000 annual revenue

CAN Capital's revenue-based model works well for businesses with consistent daily credit card sales but may not suit B2B companies that invoice customers with net payment terms. The platform's factor rate pricing can be confusing and expensive compared to Resolve's transparent flat fee structure.

For B2B businesses seeking to maintain customer relationships while improving cash flow, Resolve's approach of advancing payment on customer invoices while maintaining your brand relationship offers distinct advantages over CAN Capital's more intrusive financing model.

6. Lendio — Marketplace Lending Platform

Lendio operates as a marketplace connecting small businesses with dozens of lenders through a single application. The platform doesn't provide financing directly but matches businesses with appropriate lenders based on their profile.

Platform Benefits:

Single application for multiple lender options
Wide range of financing products
Personalized lender matching
Educational resources

Considerations:

Not a direct lender (acts as intermediary)
Quality of matches varies
May involve multiple credit inquiries
Limited control over specific lender selection

While Lendio's marketplace approach provides access to multiple options, it doesn't solve the fundamental issues with traditional alternative lending: personal guarantees, high costs, and complex pricing structures. Businesses using Lendio still face the same trade-offs between speed, cost, and risk that exist with individual lenders.

Resolve offers a direct, transparent alternative that eliminates the need to navigate multiple lender options while providing superior terms for B2B businesses with outstanding invoices.

7. Credibly — Short-Term Business Financing

Credibly provides short-term business loans and merchant cash advances with a focus on quick funding for established businesses.

Platform Features:

Term loans from $5,000 to $250,000
Merchant cash advances from $5,000 to $250,000
Repayment terms from 3 to 18 months
Next-day funding available

Pricing and Requirements:

Factor rates estimated to range from 1.15 to 1.50
Effective APRs often estimated to exceed 40%
Personal guarantee required
Minimum 6 months in business
Minimum $10,000 monthly revenue
Minimum 500 credit score

Credibly represents the typical short-term lending model that prioritizes speed over cost and sustainability. While it provides quick access to capital, the high effective costs and personal liability requirements make it less suitable for businesses seeking long-term financial health.

For B2B businesses with reliable customers, Resolve's invoice financing model offers a more sustainable approach that aligns financing costs with actual business activity rather than imposing fixed repayment schedules regardless of cash flow.

Why B2B Businesses Are Choosing Invoice Financing Over Traditional Loans

The explosive growth in alternative lending reflects a fundamental shift in how businesses approach financing. For B2B companies specifically, invoice financing through platforms like Resolve offers distinct advantages over traditional loan products:

Risk Elimination: Unlike Biz2Credit's loan products that require personal guarantees and put your personal assets at risk, Resolve's non-recourse model assumes all credit risk. If your customer doesn't pay, you keep the advanced funds without liability.

Cost Transparency: Resolve's flat fee structure (2.61%-3.5%) eliminates the confusion of factor rates that can translate to high effective costs with traditional alternative lenders.

Scalability: As your sales grow, so does your available financing. Unlike fixed loan amounts or credit lines, Resolve's invoice financing automatically scales with your business activity.

Customer Relationship Preservation: Resolve's white-label payment portal maintains your brand throughout the payment process, unlike traditional factoring that often requires notifying customers of third-party involvement.

Automation Benefits: Resolve's AI-powered accounts receivable platform handles credit checking, invoicing, payment reminders, and collections, reducing manual work by up to 90% compared to managing these processes internally.

Making the Right Choice for Your Business

For B2B businesses evaluating Biz2Credit alternatives, the choice ultimately depends on your business model, customer base, and financing needs:

By Business Type:

B2B businesses with net terms customers: Resolve (invoice financing, non-recourse, automation)
B2C businesses with daily sales: Fundbox or CAN Capital (revenue-based financing)
Established businesses with strong credit: Bluevine or OnDeck (traditional alternative loans)
Businesses seeking multiple options: Lendio (marketplace approach)

Cost Comparison for $50,000 Financing:

Resolve: $1,305-$1,750 (2.61%-3.5% flat fee on invoice)
Bluevine: Varies based on qualifications
Fundbox: $2,330-$4,495 (4.66%-8.99% for 12-24 weeks)
OnDeck: Varies based on creditworthiness and term
CAN Capital: $7,500–$25,000 (1.15–1.50 factor rate; total payback $57,500–$75,000 before other fees)

Risk Assessment:

Zero personal risk: Resolve (non-recourse financing)
Personal guarantee required: All other alternatives

For B2B businesses specifically, Resolve's invoice financing model directly addresses the fundamental cash flow challenge of waiting 30-90 days for customer payments while offering superior risk protection, cost transparency, and automation benefits compared to traditional alternative lending approaches.

Frequently Asked Questions

What are the fastest alternatives to Biz2Credit for same-day funding?

Resolve offers fast funding, with up to 100% advance on approved invoices within 24 hours. Some purchases up to $25,000 may qualify for instant approvals, making it significantly faster than Biz2Credit's typical 2-5 day funding timeline. The platform's AI-powered underwriting enables rapid credit decisions without the lengthy documentation requirements that slow down traditional alternative lenders.

Can I get business financing with no revenue or credit history?

For pre-revenue businesses, most financing options including Resolve require some form of business activity or customer relationships. However, once you have your first B2B customers and invoices, Resolve can provide financing based on your customers' creditworthiness rather than your own business credit history. This customer-centric approach makes financing accessible to newer businesses that traditional lenders like Biz2Credit might reject due to limited operating history.

How do business credit scores differ from personal credit scores?

Business credit scores evaluate your company's financial reliability separately from your personal finances. While personal credit scores range from 300-850, business credit scores use different scales: Dun & Bradstreet's PAYDEX score ranges from 0-100, while Experian Business and Equifax Business use different models. Resolve's credit assessment goes beyond traditional bureau data, using proprietary AI models and experts formerly of Amazon and PayPal to deliver deeper insights than traditional bureaus, requiring only your customer's business name and address.

What is invoice factoring and how does it compare to traditional loans?

Invoice factoring involves selling your outstanding invoices to a third party (factor) at a discount in exchange for immediate cash. Traditional factoring typically involves recourse provisions (you're liable if customers don't pay) and fees of 3-5% monthly. Resolve's modern approach is non-recourse financing, not factoring, with flat fees of 2.61%-3.5% for 30-day terms and 100% advance options. Unlike traditional loans that require personal guarantees and fixed repayments regardless of cash flow, invoice financing scales with your sales and eliminates personal liability.

What are the typical fees for invoice financing vs business loans?

Invoice financing through Resolve costs 2.61%-3.5% as a flat fee for 30-day terms, translating to much lower effective costs than traditional business loans. Many short-term alternative lenders use factor rates of 1.10-1.50 or APR-based pricing, which can translate to high effective costs. For a $10,000 financing need, Resolve would cost $261-$350, while alternative lenders might charge $2,000-$4,000 in fees over similar time periods. Additionally, Resolve's non-recourse model eliminates the personal guarantee requirements that put your personal assets at risk with traditional business loans.

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.