7 Credibly Alternatives

While Credibly offers merchant cash advances and short-term loans to small businesses, modern B2B companies are discovering superior alternatives that provide transparent pricing, risk-free financing, and seamless integration with existing workflows. From Resolve's non-recourse net terms platform to specialized financing solutions, these alternatives deliver the working capital businesses need without the high costs and rigid requirements of traditional alternative lenders.

Key Takeaways

Non-recourse financing eliminates risk: Resolve provides non-recourse net terms financing with up to 100% advance on approved invoices, taking on the credit assessment, decision, and majority risk of late payments or defaults
Transparent flat-rate pricing: Unlike Credibly's factor rates starting around 1.11, Resolve offers clear fees up to 3.5% on 30-day net terms with no hidden charges
AI-powered underwriting accelerates approval: Modern platforms deliver credit decisions same-day to within 24 hours compared to traditional processes, with Resolve requiring only a company name and address for credit checks
Seamless integration reduces implementation time: Resolve integrates with QuickBooks, Shopify, BigCommerce, and other platforms in days rather than weeks
Flexible terms enhance buyer relationships: Offer net 30, 60, or 90-day terms while getting paid upfront, increasing buyer purchasing power without sacrificing your cash flow
AR automation reduces manual work: AI-powered platforms automate invoicing, payment reminders, and reconciliation, reducing DSO and administrative overhead

1. Resolve — Risk-Free Net Terms with Transparent Pricing

Resolve stands out as the premier Credibly alternative by completely eliminating merchant risk through its non-recourse financing model. Developed by former Amazon and PayPal executives, Resolve brings sophisticated credit underwriting and AI-powered automation to B2B payments, allowing businesses to offer net terms while getting paid upfront.

Key Features:

100% non-recourse financing that shifts credit nonpayment risk to Resolve, standard exceptions (e.g., fraud/disputes) may apply
Fast credit decisions using proprietary AI models that evaluate thousands of buyer data points
Net 30/60/90 terms to enhance buyer purchasing power
Up to 100% advance payment within one day on approved invoices
Transparent flat-rate fees—up to 3.5% fees or 2.61% flat fees depending on risk profile
Seamless integration with QuickBooks, NetSuite, Shopify, BigCommerce, Magento, and WooCommerce
White-label payment portal accepting ACH, credit card, wire, or check

Comprehensive Platform Capabilities:

Resolve's platform combines previously disparate resources needed for B2B commerce into a single solution: embedded credit expertise, embedded invoice financing, and embedded payments. The AI-powered AR platform automates the entire net terms workflow from invoice to payment, reducing DSO, accelerating cash flow, and transforming the customer payment experience.

The platform's LLM-powered invoicing workflow ensures every transaction is synced and reconciled automatically, while AI agents manage payment reminders and collections workflows. This automation can reduce manual work by up to 50% while delivering payments 30-60 days faster than traditional processes.

Unlike Credibly's merchant cash advances that require daily or weekly payments and can cost the equivalent of 30%+ APR, Resolve maintains your customer relationships while eliminating collections burden. The platform currently serves over an estimated 12,000 businesses and advances payment on approved invoices so you can fund operations without waiting for customer payments.

2. Fundbox — Quick Capital with Higher Costs

Fundbox provides credit lines from $1,000 to $150,000 for small businesses that need immediate working capital. Since 2013, the platform has provided over an estimated $6 billion in funding to hundreds of thousands of businesses, focusing on speed and accessibility rather than comprehensive B2B payment solutions.

Platform Strengths:

Instant decisions with next-day funding
Credit lines up to $150,000
12, 24, or 52-week repayment terms
A personal guarantee may be required depending on product and underwriting
Simple online application process

Cost Structure:

Fees assessed per draw as a total percentage—typically starting 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

While Fundbox provides critical funding when traditional options aren't available, the high costs make it less suitable for ongoing B2B payment management. The platform lacks the comprehensive AR automation, net terms offering, and customer relationship management that Resolve provides.

3. OnDeck — Established Alternative Lender

OnDeck represents a more traditional alternative lending approach with term loans up to $250,000 and lines of credit. As one of the pioneers in online lending, OnDeck offers faster funding than banks but maintains higher credit requirements than some competitors.

Key Features:

Term loans up to $250,000 with APRs starting around 29.9%
Lines of credit up to $200,000
Same-day funding for approved borrowers
Online application with quick decisions
Established track record since 2007

Qualification Requirements:

Minimum credit score of 625
At least $100,000 in annual revenue
1+ year in business
U.S.-based business

OnDeck's higher credit score requirement (625 vs Credibly's 500) excludes many businesses that Resolve can serve. Additionally, OnDeck's traditional loan structure doesn't address the specific B2B payment challenges of offering net terms while maintaining healthy cash flow.

4. Lendio — Marketplace Lending Platform

Lendio operates as a lending marketplace that connects borrowers with over 75 partner lenders, offering flexibility through access to multiple funding sources rather than direct lending.

Platform Benefits:

Single application connects to 75+ lenders
Multiple loan types including term loans, lines of credit, and SBA loans
Lower revenue requirements than many direct lenders
Minimum credit score around 580
At least $8,000 in monthly revenue required

Limitations:

Less control over the lending process
Potential for multiple credit inquiries
No specialized B2B payment or net terms functionality
Doesn't address accounts receivable automation needs

Lendio's marketplace model provides options but doesn't solve the core B2B payment challenges that Resolve addresses through its integrated platform. Businesses seeking net terms capabilities and AR automation would need to supplement Lendio's offerings with additional solutions.

5. Fora Financial — Revenue-Based Financing

Fora Financial offers revenue advances up to $1.5 million with flexible qualification requirements, focusing on daily revenue rather than traditional credit metrics.

Key Capabilities:

Revenue advances from $5,000 to $1.5 million
Term loans from $25,000 to $500,000
Accepts credit scores as low as 570
Soft credit pulls during initial application
Same-day funding available

Pricing Structure:

Factor rates typically ranging from 1.15 to 1.35
Daily or weekly payment schedules
Higher costs for riskier borrowers
Less transparent than flat-rate models

Fora Financial's revenue-based approach works well for businesses with consistent daily sales but doesn't address the B2B-specific challenges of managing net terms, customer credit relationships, and accounts receivable automation that Resolve specializes in.

6. National Funding — Equipment and Working Capital Focus

National Funding specializes in equipment financing and working capital loans for established businesses with higher revenue requirements.

Core Offerings:

Equipment financing up to $150,000
Working capital loans up to $200,000
Business lines of credit up to $100,000
SBA loan facilitation
Merchant cash advances

Qualification Standards:

Minimum credit score around 660
$120,000+ in annual revenue
1+ year in business
U.S.-based operations

National Funding's higher revenue and credit requirements exclude many small businesses that Resolve can serve. The platform focuses on traditional lending products rather than the integrated B2B payment and net terms solutions that modern businesses need.

7. SBA Loan Programs — Government-Backed Financing

SBA loan programs provide government-guaranteed financing with favorable terms for qualified businesses, though the application process is significantly longer than alternative lenders.

Program Options:

SBA 7(a) loans up to $5 million
SBA 504 loans for equipment and real estate
SBA Express loans with faster processing
Microloans up to $50,000 for startups

Recent Activity:

In fiscal year 2024, the SBA approved an estimated 70,000+ loans for a total of around $31 billion
Average loan size was approximately $443,000
Estimated 13% increase in total loan amount from 2023
Estimated 22% increase in number of approved loans

Qualification Requirements:

Good personal and business credit (typically 680+)
Strong business plan and financial projections
Collateral for larger loans
U.S. citizenship or permanent residency
For-profit business operating in the U.S.

While SBA loans offer lower interest rates than alternative lenders, the 30-90 day approval timeline doesn't address immediate cash flow needs. Additionally, SBA loans don't provide the net terms capabilities and AR automation that Resolve offers for B2B businesses.

Making the Right Choice for Your Business

For B2B companies evaluating Credibly alternatives, the choice depends on your specific business model, customer base, and operational needs:

By Business Model:

B2B sellers offering net terms: Resolve (integrated credit, payments, and AR automation)
Retail businesses with high card volume: Fundbox or Fora Financial (revenue-based repayment)
Established businesses with strong credit: OnDeck or National Funding (traditional term loans)
Businesses needing multiple options: Lendio (marketplace access)
Long-term growth capital: SBA programs (lowest cost, longest timeline)

Implementation Timeline:

Same day: Resolve (with existing platform integrations)
1-2 days: Fundbox, Fora Financial (online applications)
1-2 weeks: OnDeck, Lendio, National Funding
30-90 days: SBA loan programs

For businesses specifically seeking to offer net terms while maintaining healthy cash flow, Resolve's platform provides the most comprehensive solution with transparent pricing, risk-free financing, and seamless automation.

Frequently Asked Questions

What is the difference between Credibly and invoice factoring?

Credibly primarily offers merchant cash advances and short-term loans with factor rates starting around 1.11, requiring daily or weekly repayments based on your revenue. Invoice factoring involves selling your invoices to a third party at a discount (typically 5-20% fees), often requiring notification to your customers and loss of control over customer relationships. Resolve provides a modern alternative that combines the benefits of both—offering upfront payment on your invoices while maintaining your customer relationships through a white-label portal, with transparent flat-rate fees and non-recourse protection.

Can I get business financing with no revenue?

Most traditional lenders and alternative financing platforms require some level of business revenue. Credibly requires around $15,000 in monthly revenue ($180,000 annually), while other alternatives have varying requirements. However, startup loans with no revenue are extremely limited and typically require strong personal credit, collateral, or personal guarantees. For businesses with no revenue, options include personal loans, credit cards, or funding from friends and family. Resolve requires existing B2B sales activity to provide net terms financing, as the platform advances payment on approved customer invoices.

How do SBA loans compare to alternative lenders like Credibly?

SBA programs offer significantly lower interest rates (approximately 11.5%-16.5% APR) compared to alternative lenders like Credibly (factor rates equivalent to 30%+ APR), but require much longer approval timelines (30-90 days vs. same-day to 24 hours). SBA loans also have stricter qualification requirements, including good credit scores (typically 680+), strong business plans, and often collateral. Alternative lenders accept lower credit scores and provide faster funding but at substantially higher costs. The choice depends on your urgency, credit profile, and ability to meet qualification requirements.

What are the fees for B2B net terms platforms?

B2B net terms platform fees vary significantly. Resolve offers transparent flat-rate fees—up to 3.5% or around 2.61% on 30-day net terms depending on the buyer's risk profile. Traditional invoice factoring typically charges 5-20% fees, while merchant cash advances like Credibly's can cost the equivalent of 30%+ APR. The key advantage of modern platforms like Resolve is the transparent, upfront pricing with no hidden fees, compared to the complex fee structures of traditional financing options.

How do business credit checks affect my ability to get financing?

Business credit checks play a crucial role in determining your financing options and terms. Platforms like Resolve provide free credit checks, requiring only your customer's business name and address with 24-hour turnaround. These credit assessments help determine appropriate credit limits and terms for your buyers, enabling you to offer net terms confidently. Traditional lenders heavily weigh your business credit score in their approval decisions, with higher scores typically resulting in better rates and terms. However, alternative lenders like Credibly may place more emphasis on revenue and cash flow than traditional credit scores.

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.