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.
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:
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.
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:
Pricing Structure:
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.
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:
High-Cost Structure:
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.
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:
Pricing and Requirements:
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.
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:
Pricing Structure:
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.
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:
Considerations:
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.
Credibly provides short-term business loans and merchant cash advances with a focus on quick funding for established businesses.
Platform Features:
Pricing and Requirements:
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.
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.
For B2B businesses evaluating Biz2Credit alternatives, the choice ultimately depends on your business model, customer base, and financing needs:
By Business Type:
Cost Comparison for $50,000 Financing:
Risk Assessment:
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.
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.
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.
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.
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.
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.