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.
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:
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.
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:
Cost Structure:
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.
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:
Qualification Requirements:
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.
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:
Limitations:
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.
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:
Pricing Structure:
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.
National Funding specializes in equipment financing and working capital loans for established businesses with higher revenue requirements.
Core Offerings:
Qualification Standards:
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.
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:
Recent Activity:
Qualification Requirements:
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.
For B2B companies evaluating Credibly alternatives, the choice depends on your specific business model, customer base, and operational needs:
By Business Model:
Implementation Timeline:
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.
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.
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.
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.
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.
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.