While Founderpath excels at providing non-dilutive capital for SaaS companies, modern B2B businesses need comprehensive payment infrastructure that goes beyond simple financing. From Resolve's all-in-one B2B payment platform to Capchase's specialized SaaS financing, these alternatives deliver the capital access and operational efficiency businesses need without equity dilution.
Resolve stands out as the premier Founderpath alternative by offering a complete B2B payment infrastructure that goes far beyond simple financing. Unlike Founderpath's SaaS-focused revenue-based financing, Resolve serves any B2B business with a comprehensive platform combining net terms, invoice financing, AR automation, and payment processing.
Key Features:
Pricing Structure:
Fees start at 2.61% for 30-day net terms with risk-based advance rates of 50%, 75%, or 90%. There are no monthly minimums, platform fees, or setup fees. Credit card fees are passed to buyers through the payment portal. Custom pricing for enterprise volumes is available through Resolve pricing consultation.
The platform's AI-powered AR automation reduces manual work by approximately 50%, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Recent case studies demonstrate significant impact: businesses report around 5x revenue growth, 1.5x AOV increase, and 50% more repeat buyers.
Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating collections burden. According to Resolve, the platform supports 12,000+ active buyers across its platform with $60 million in funding from Insight Partners.
For businesses needing both capital access and operational efficiency, Resolve eliminates the need for multiple vendors by providing comprehensive net terms solutions in one platform.
Capchase represents a direct competitor to Founderpath in the SaaS revenue-based financing space, offering a broader product suite. Founded in 2020, the company has raised over $1 billion in total funding and serves enterprise SaaS companies with $1M+ ARR.
Platform Strengths:
Cost Structure:
Platform fees and discount rates vary by deal structure, with shorter terms (3-12 months typical) versus Founderpath's 48 months. Prepayment penalties apply, and higher revenue requirements ($1M+ ARR recommended) may limit accessibility for smaller SaaS companies.
While Capchase offers broader functionality than Founderpath, the platform excels for enterprise SaaS businesses needing comprehensive financial products with global coverage. However, like Founderpath, Capchase lacks comprehensive B2B payment infrastructure, offering no payment portal, AR automation, or invoice financing capabilities that Resolve provides.
Pipe takes a fundamentally different approach by creating a marketplace for trading future recurring revenue contracts. Founded in 2019, the platform hosts over $1 billion in tradeable ARR on its marketplace.
Marketplace Advantages:
Limitations:
Pipe serves a niche market of SaaS companies with substantial recurring revenue looking to monetize future contracts. However, it provides no operational benefits like AR automation or payment processing that comprehensive platforms like Resolve offer.
For businesses without recurring revenue or those needing complete payment infrastructure, Pipe is not a viable alternative to Founderpath's financing model.
FundThrough occupies a distinct niche providing pure invoice factoring services with same-day funding. The platform offers advance rates of 90-95% with same-day funding but lacks comprehensive payment infrastructure.
Speed and Simplicity:
Cost Considerations:
Fee ranges vary from approximately 2.75%-8.25%, with variable pricing less predictable than flat-rate models. The platform includes no payment portal or AR automation, and offers limited recourse protection compared to Resolve's 100% non-recourse model.
Industry feedback indicates that while FundThrough provides fast funding, the variable costs and lack of operational features make it less attractive than comprehensive platforms. For businesses wanting simple invoice factoring only, FundThrough offers a viable option, but those needing complete payment infrastructure should consider Resolve's AI-powered AR automation.
Brex has built a substantial business providing corporate credit cards and financial services to high-growth startups. The Y Combinator-backed company serves technology companies with integrated expense management and financing.
Corporate Finance Features:
Limited B2B Payment Capabilities:
Brex excels at corporate expense management but lacks B2B payment infrastructure. The platform offers no invoice financing, AR automation, net terms offering for B2B customers, or payment portal and customer-facing infrastructure.
For companies specifically seeking to finance their own operations rather than provide customer financing, Brex offers a mature solution, but it doesn't address the core B2B payment challenges that Resolve solves.
Clearco (formerly Clearbanc) provides growth financing for eCommerce and SaaS businesses with a focus on revenue-based advances. The platform offers growth capital with funding typically ranging from $10K to several million depending on revenue for qualified businesses.
Growth Financing Model:
Platform Limitations:
Clearco serves a similar market to Founderpath but with a stronger eCommerce focus. However, like other pure financing platforms, it lacks comprehensive B2B payment infrastructure including AR automation, payment processing, and customer-facing payment solutions.
Lighter Capital represents a mature alternative in SaaS revenue-based financing. Founded in 2010, the platform has over 14 years of market presence and specializes in providing growth capital to SaaS companies.
Specialized SaaS Focus:
Limited Scope:
Lighter Capital's longevity demonstrates the viability of SaaS-focused revenue financing, but like other pure financing platforms, it offers financing only with no payment infrastructure, AR automation, operational support, or customer-facing payment solutions.
The B2B financing landscape has evolved dramatically in 2025, with AI-powered automation and comprehensive payment platforms becoming essential for growing companies. Independent industry research estimates the global real-time payments market at $24.91 billion in 2024 and forecasts growth to $284.49 billion by 2032 at a 35.4% CAGR.
Resolve's Advanced AI Capabilities:
The market shift toward comprehensive platforms reflects growing business demand for integrated solutions. Traditional financing models requiring complex fee structures and operational overhead are being replaced by transparent, technology-driven solutions like Resolve's platform. The shift toward non-recourse financing reflects growing merchant demand for risk-free growth capital.
For B2B companies evaluating Founderpath alternatives, the choice ultimately depends on your business model, technical needs, and strategic goals.
By Business Model:
Cost Comparison for $1M Annual Invoices:
Implementation Timeline:
For companies seeking expert guidance on B2B payment platform selection and implementation, Resolve's services provide hands-on support through dedicated account management and technical integration assistance.
Revenue-based financing (RBF) provides capital based on a company's recurring revenue, with repayment as a percentage of future revenue over time. Invoice financing provides immediate capital against specific outstanding invoices, with repayment when customers pay. Founderpath specializes in RBF for SaaS companies, while Resolve offers invoice financing with 100% non-recourse protection for any B2B business. RBF requires consistent recurring revenue, while invoice financing works for any business with outstanding invoices.
Funding speed varies significantly by platform. Resolve provides 24-hour funding with instant to hour-long credit decisions for approved buyers. FundThrough offers same-day funding for invoice factoring. Founderpath and Capchase typically require 24-48 hours for approval and funding. The fastest implementations come from platforms with pre-built integrations and AI-powered underwriting like Resolve's business credit checks.
SBA loans are significantly slower than modern RBF alternatives. SBA 7(a) loans typically take 30-90 days for approval and funding, while Founderpath offers 24-48 hour funding and Resolve provides 24-hour advances. SBA loans require extensive documentation, personal guarantees, and collateral, while modern alternatives offer streamlined processes with minimal paperwork. For businesses needing rapid capital access, RBF and invoice financing alternatives are dramatically faster than traditional SBA financing.
Fee structures vary significantly across platforms. Resolve starts at 2.61% for 30-day terms with transparent flat-rate pricing. Founderpath charges estimated 7-12% discount rates for RBF. Capchase's fees vary by deal structure. FundThrough charges approximately 2.75%-8.25% with variable pricing. Always calculate total cost of ownership including any platform fees, setup costs, and operational savings from features like AR automation that Resolve includes at no additional cost.
AI-powered platforms like Resolve analyze thousands of data points in real-time, delivering credit decisions in seconds versus days or weeks for traditional underwriting. These systems evaluate cash flow patterns, bank transactions, and business performance rather than relying solely on credit scores. Resolve's proprietary ML engine enables faster sales cycles with instant credit approvals while maintaining rigorous risk management through comprehensive buyer evaluation.
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.