5 Driven Alternatives: Best B2B Payment Solutions for 2025

While Driven offers business lending solutions, modern B2B companies are discovering superior alternatives that provide faster funding, transparent pricing, and comprehensive payment infrastructure. From Resolve's non-recourse net terms financing to specialized invoice factoring platforms, these solutions address the core pain points of traditional banking: lengthy approval processes, cash flow gaps, and inflexible terms.

Key Takeaways

• Non-recourse financing reduces default risk: Resolve offers 100% non-recourse financing on approved, non-disputed invoices with payouts often the next business day. Exceptions (e.g., fraud/disputes) may apply
• AI-powered underwriting accelerates decisions: Modern platforms deliver rapid credit approvals compared to Driven's traditional processes, with Resolve's Smart Credit Engine leading innovation
• Comprehensive payment infrastructure: Unlike single-purpose lenders, Resolve combines net terms, accounts receivable automation, and payment processing in one platform
• Transparent pricing without hidden fees: Resolve fees are up to 3.5% on 30-day net terms with clear advance rates, versus opaque traditional lending structures
• SMB-focused solutions fill market gaps: While traditional lenders like Driven target established businesses, Resolve serves the underserved mid-market with accessible credit and scalable solutions
• Free business credit checks: Resolve provides free business credit checks, delivering results typically within 24 hours

1. Resolve — The Complete B2B Payments Platform

Resolve emerges as the premier Driven alternative by offering a comprehensive B2B payments platform that goes far beyond simple lending. Resolve was spun out of Affirm in 2019 to bring buy-now-pay-later solutions to B2B commerce, combining embedded credit expertise, invoice financing, and payment processing into a single solution designed specifically for B2B transactions.

Key Features:

• 100% non-recourse financing on approved, non-disputed invoices
• Rapid credit decisions powered by proprietary AI models
• Flexible payment terms (Net 30, 45, 60, or 90 days)
• Up to 100% advance on approved invoices typically within 24 hours
• AR automation that reduces manual work by around 50%
• Branded payment portal accepting ACH, wire, credit card, or check
• Seamless integration with major business platforms including QuickBooks, Oracle NetSuite, and Shopify

Pricing Structure:

• Fees up to 3.5% on 30-day net terms with 100% advance
• Alternative pricing at around 2.61% on 30-day net terms for qualified customers
• Free business credit checks with typical 24-hour turnaround
• No monthly minimums, setup fees, or hidden charges
• Custom pricing for enterprise volumes

Resolve's platform addresses the fundamental challenges identified in the fintech lending landscape: traditional banking limitations, cash flow management gaps, and lengthy approval processes. The platform's AI-powered reconciliation automatically syncs transactions across systems, while its AI-driven invoicing workflow is designed to improve accuracy and reduce manual errors.

Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating collections burden. The platform currently serves over 12,000 businesses and offers advance rates of 100%, 75%, or 50% based on buyer risk assessment.

For ecommerce businesses, Resolve's net terms for ecommerce solution provides typically instant approvals for orders up to around $25,000, integrating seamlessly with existing checkout flows. The white-label payment portal preserves brand relationships while offering customers flexible payment options.

2. FundThrough — Invoice Financing for Cash Flow Gaps

FundThrough represents a specialized alternative focusing specifically on invoice financing to address the cash flow management challenges that plague small to medium-sized businesses. The platform enables businesses to access funds tied up in outstanding invoices without waiting for customer payments.

Platform Strengths:

• Quick access to working capital based on outstanding invoices
• Digital-first application process with faster approvals than traditional banks
• Flexible financing options tailored to business needs
• Focus on improving cash conversion cycles
• Online dashboard for managing financed invoices

Considerations:

• Specialized focus on invoice factoring rather than comprehensive payment solutions
• Pricing typically includes fees on funded invoices with no monthly or setup fees
• May require minimum invoice amounts or volumes
• Limited integration capabilities compared to full-platform solutions like Resolve

FundThrough addresses the core need identified in the research: providing working capital to businesses struggling with invoice timing and cash flow gaps. However, it lacks the comprehensive payment infrastructure, net terms offerings, and AR automation that Resolve provides.

3. iwoca — Flexible SME Lending

iwoca offers flexible business loans specifically designed for small and medium-sized enterprises, emphasizing the digital-first approach that modern businesses expect. Founded in 2012, the UK-based lender has built a reputation for quick online applications and fair terms.

Key Capabilities:

• Business loans for inventory, equipment, or expansion
• Quick online applications with minimal documentation
• Flexible repayment options tied to business cash flow
• Digital-first experience with mobile-friendly interface
• Focus on underserved SME market segments

Limitations:

• Primarily operates in the UK market with limited international presence
• Traditional loan structure creates debt obligations rather than non-recourse financing
• Limited payment processing or accounts receivable capabilities
• No net terms or B2B payment infrastructure integration

While iwoca addresses the traditional banking limitations faced by small businesses, it operates as a conventional lender rather than a comprehensive B2B payments platform. Businesses seeking to offer net terms to their customers or automate accounts receivable processes would need additional solutions.

4. Lending Loop — Peer-to-Peer Business Lending

Lending Loop connects businesses directly with individual investors through a peer-to-peer lending model, creating an alternative funding source outside traditional banking channels. This approach provides another option for businesses facing lengthy approval processes from conventional lenders.

Platform Features:

• Direct connection between businesses and individual lenders
• Alternative credit assessment beyond traditional banking criteria
• Competitive interest rates through marketplace dynamics
• Online application and funding process
• Support for various business purposes including working capital

Challenges:

• Funding amounts may be limited by investor appetite
• Traditional loan structure with repayment obligations
• No B2B payment processing or net terms capabilities
• Limited integration with business financial systems

Lending Loop represents an innovative approach to business funding but lacks the comprehensive B2B payments infrastructure that modern businesses require. Unlike Resolve's non-recourse model, Lending Loop creates debt obligations that impact business balance sheets.

5. Credility — Digital Lending Solutions

Credility provides digital lending solutions designed to streamline the borrowing process for small to medium-sized businesses. The platform emphasizes the quick online applications and fair interest rates that characterize modern fintech lending.

Core Offerings:

• Digital-first lending platform with simplified application process
• Collateral-free lending options for qualified businesses
• Flexible repayment terms aligned with business cash flow
• Focus on underserved business segments
• Modern user experience with minimal paperwork

Constraints:

• Traditional lending model with debt obligations
• Limited scope compared to comprehensive payment platforms
• No net terms, accounts receivable automation, or payment processing
• Minimal integration capabilities with existing business systems

Credility addresses the speed and accessibility issues of traditional banking but operates within the conventional lending framework. Businesses seeking to transform their B2B payment processes or offer net terms to customers would need additional solutions.

Why Comprehensive Payment Platforms Outperform Single-Purpose Lenders

The evolution of B2B finance has revealed critical limitations in single-purpose lending solutions like Driven and its alternatives. Modern businesses require integrated payment infrastructure that addresses multiple pain points simultaneously:

Cash Flow Optimization: While traditional lenders provide working capital, they don't solve the underlying payment friction that creates cash flow gaps. Resolve's accounts receivable automation accelerates collections while net terms offerings increase sales without delaying cash flow.

Risk Management: Conventional loans create debt obligations and balance sheet impacts. Resolve's non-recourse financing shifts default risk to the financier for approved, non-disputed invoices; merchants may retain liability in cases like fraud, disputes, or documentation issues.

Customer Experience: Single-purpose lenders don't enhance the buyer experience. Resolve's branded payment portal offers customers flexible payment options while maintaining strong brand relationships.

Operational Efficiency: Managing multiple vendors for lending, payments, and AR creates complexity. Resolve's integrated platform streamlines operations with automated reconciliation, AI-powered workflows, and seamless system integration.

Making the Right Choice for Your Business

For B2B companies evaluating Driven alternatives, the choice depends on your specific needs and business model:

Comprehensive Payment Infrastructure Needed: Choose Resolve for complete B2B payment solutions including net terms, AR automation, and payment processing.

Invoice Financing Only: Consider FundThrough if you need working capital against specific invoices without broader payment capabilities.

Traditional Business Loans: iwoca and similar lenders provide conventional financing for specific business needs like equipment or expansion.

Peer-to-Peer Funding: Lending Loop offers an alternative funding source through individual investors.

Digital-First Lending: Credility provides streamlined traditional lending with modern user experience.

The digital-first SME focus evident across all these alternatives reflects the market's demand for simplified, accessible financial solutions. However, only Resolve addresses the complete B2B payment lifecycle from credit assessment through collections.

Frequently Asked Questions

How does Resolve differ from traditional business lenders like Driven?

Resolve operates as a comprehensive B2B payments platform rather than a traditional lender. While Driven provides business loans that create debt obligations, Resolve offers non-recourse financing that can protect against customer defaults on approved, non-disputed invoices; eligibility and standard exceptions apply. Resolve also provides accounts receivable automation, net terms offerings, and payment processing in a single platform, addressing the complete B2B payment lifecycle rather than just providing working capital.

What are the benefits of non-recourse financing versus traditional loans?

Non-recourse financing eliminates merchant risk by making the financing provider responsible for customer defaults. This differs from traditional loans where businesses remain liable for repayment regardless of customer payment behavior. Non-recourse financing also appears as payment acceleration rather than debt on balance sheets, preserving credit capacity for other business needs. Additionally, Resolve's model provides immediate access to working capital without creating long-term debt obligations.

How quickly can I implement Resolve compared to traditional lenders?

Resolve offers implementation in days rather than the weeks or months typical of traditional lenders. The platform's pre-built integrations with QuickBooks, Shopify, and other systems enable rapid deployment. Credit assessments happen in real-time with typical 24-hour turnaround for business credit checks, compared to the lengthy approval processes that characterize traditional banking relationships.

Can Resolve help with both funding and payment processing?

Yes, Resolve uniquely combines funding and payment processing in a single platform. The solution provides advance payment on approved invoices while also offering a branded payment portal that accepts ACH, wire, credit card, and check payments. The platform's AI-powered reconciliation automatically syncs transactions across systems, eliminating manual bookkeeping work.

What industries does Resolve best serve?

Resolve serves B2B businesses across all industries that offer net terms to their customers. The platform is particularly valuable for businesses in manufacturing, wholesale distribution, ecommerce, and professional services where cash flow management and customer credit assessment are critical operational challenges. The free business credit checks and flexible advance rates make the platform accessible to businesses of all sizes and credit profiles.

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.