Fundera Alternatives: 7 Better Options for B2B Growth in 2025

While Fundera reports helping 77,000+ small businesses secure $5.4B+ in funding, modern B2B companies are discovering superior alternatives that offer embedded payments, AI-powered automation, and non-recourse financing without the debt burden of traditional loans. From Resolve's comprehensive B2B payment platform to specialized lenders like BlueVine, these seven alternatives deliver the capital and operational efficiency businesses need without Fundera's marketplace limitations.

Key Takeaways

Resolve eliminates financing risk: Resolve provides non-recourse financing with zero merchant risk on approved invoices, unlike Fundera's debt-based lending model
Complete B2B payment platform: Resolve is the only solution combining net terms, AR automation, payment processing, and ecommerce integration in one platform
AI-powered automation reduces workload: Resolve's platform automates much of the manual AR work (invoicing, reminders, collections, and reconciliation) through AI agents handling invoicing, reminders, and collections
Faster funding with better economics: Resolve advances 90-100% of invoice value within 24-48 hours at flat fees of 2.61-3.5%, compared to Fundera's variable APRs of 7-30%
Ecommerce integration drives sales: Resolve's native integrations with Shopify, BigCommerce, and Magento enable embedded net terms at checkout
Different solutions for different needs: Fundera excels at SBA loans (10.25-15.25% rates), but Resolve dominates for B2B companies wanting to offer net terms without cash flow strain

1. Resolve — The Complete B2B Payment Platform Without the Risk

Resolve stands out as the premier Fundera alternative by completely reimagining B2B payments through its comprehensive platform that combines net terms financing, accounts receivable automation, and payment processing. Spun out from Affirm in 2019 and backed by Initialized Capital and Commerce Ventures, Resolve brings consumer fintech innovation to B2B commerce with a mission to help merchants grow sales while eliminating credit risk.

Key Features:

Non-recourse financing with zero merchant risk on approved invoices
Instant credit decisions using proprietary AI underwriting models
Net 30, 60, or 90-day payment terms with flexible options
Invoice advances of 90-100% within 24-48 hours
Flat fees of 2.61-3.5% per invoice (not APR)
Native integrations with QuickBooks, NetSuite, Shopify, BigCommerce, and Magento
Payment portal accepting ACH, credit cards, wire, and check

Platform Capabilities:

Resolve's platform addresses the complete B2B payment lifecycle, making it fundamentally different from Fundera's lending marketplace model. The Accounts Receivable automation product streamlines credit, invoicing, and collections while reducing manual work by up to 90%. AI agents manage payment reminders and collections workflows, while LLM-powered reconciliation ensures accuracy across all invoice types—net terms, COD, or due upon receipt.

For B2B ecommerce businesses, Net Terms solutions enable embedded net terms at checkout, with some purchases up to $25,000 qualifying for instant approvals. This drives significant sales growth—customers report 20% YoY sales growth and 40% average order value increases when offering flexible payment terms.

The platform's Business Credit Check service provides instant, data-rich credit decisions with only a business name and address required, delivering results within 24 hours. Resolve's experts—formerly of Amazon, PayPal, and Fortune 500 firms—deliver deeper credit insights than traditional bureaus, enabling more accurate risk assessment.

Pricing Structure:

Flat fees of 2.61-3.5% per invoice based on risk and advance percentage
No monthly minimums, setup fees, or hidden charges
Credit card fees passed to buyers through the online payment portal
Custom pricing for enterprise volumes

Unlike traditional financing options, Resolve maintains merchant control over customer relationships while eliminating the collections burden and bad debt risk. The platform currently serves over 15,000 businesses and has been recognized with awards like the BigCommerce award for innovative integration.

For B2B companies that want to offer net terms without sacrificing cash flow or taking on credit risk, Resolve provides a complete solution that transforms net terms from a burden into a competitive advantage.

2. Lendio — The Largest Lending Marketplace

Lendio represents Fundera's closest competitor in the lending marketplace space, offering access to 75+ lenders compared to Fundera's 25+ lender network. Founded in 2011, the platform has helped hundreds of thousands of businesses secure financing across various loan types.

Platform Strengths:

Widest lender network in the marketplace space
Comprehensive loan variety including SBA, equipment, and working capital
Single application process for multiple loan options
Personalized loan specialist support
Free service for borrowers (lenders pay referral fees)

Loan Options:

SBA loans with rates from 10.25-15.25%
Term loans with APRs ranging from 7-30%
Lines of credit with variable rates
Equipment financing and commercial real estate loans

Lendio's broader lender network can potentially secure better rates for borrowers, particularly for specialized financing needs. However, like Fundera, it operates purely as a marketplace with no accounts receivable automation, payment processing, or B2B-specific features like net terms management.

The platform's focus on traditional lending products makes it complementary rather than competitive with Resolve's B2B payment platform. Businesses seeking SBA loans or equipment financing may benefit from Lendio's extensive lender network, while those wanting to offer net terms to customers should look to specialized B2B payment platforms.

3. BlueVine — Direct Lender with Fast Funding

BlueVine operates as a direct lender rather than a marketplace, having funded over $2 billion for tens of thousands of businesses since 2013. This direct approach eliminates the lender matching delays common in marketplace platforms.

Core Offerings:

Term loans up to $250,000
APRs starting around 15%
Up to 90% advance rates on invoices
Funding as fast as 24 hours for approved applications
APRs starting around 15% for qualified borrowers

Platform Limitations:

While BlueVine offers faster funding than marketplace platforms due to its direct lending model, it still lacks the comprehensive B2B payment features that modern businesses require. There's no AR automation, ecommerce integration, or net terms management—just traditional lending products with faster approval processes.

For businesses needing immediate working capital without the complexity of marketplace applications, BlueVine provides a streamlined direct lending option. However, companies looking to implement a complete B2B payment strategy with embedded net terms should consider platforms specifically designed for B2B commerce.

4. OnDeck — Established Direct Lender

OnDeck represents one of the most established direct lenders in the small business financing space, having served over 150,000 businesses and funded more than $15 billion since 2007.

Key Features:

Term loans from $5K–$250K
Lines of credit from $6K–$200K
Competitive rates for qualified borrowers
Funding as fast as 24 hours
Established track record with proven underwriting models

Market Position:

OnDeck's strength lies in its established reputation and direct lending model, which provides more predictable terms than marketplace platforms. However, like other traditional lenders, it offers no B2B-specific features such as net terms management, AR automation, or ecommerce integration.

The platform serves businesses that need traditional debt financing with established underwriting criteria. While reliable for working capital needs, it doesn't address the unique requirements of B2B companies wanting to offer flexible payment terms to their customers while maintaining healthy cash flow.

5. Fundbox — Working Capital for SMBs

Fundbox occupies a specialized niche providing working capital specifically for small businesses, Fundbox has provided $6B+ in capital since 2013 to fast-growing companies that traditional lenders might overlook.

Platform Characteristics:

Credit lines up to $250,000.
Instant decisions with next-day funding
12- or 24-week repayment options
Focus on technology-driven underwriting
No personal guarantee required for qualified applicants

Cost Structure:

Fundbox's main limitation is its high cost structure, with fees that can translate to effective APRs of 35% or higher. While the transparent fee structure provides clarity, the expense makes it unsuitable for businesses with strong credit profiles or those seeking long-term financing solutions.

The platform serves as a viable last resort for businesses that can't secure funding elsewhere, but companies with established revenue streams should explore lower-cost alternatives like Resolve's non-recourse financing or traditional SBA loans through Fundera or Lendio.

6. Biz2Credit — Comprehensive Lending Marketplace

Biz2Credit operates as a lending marketplace with over 225,000 funding applications processed since its 2007 founding. The platform offers a wide range of financing options through its network of lenders.

Financing Options:

Term loans up to $6 million
SBA loans with competitive rates
Commercial real estate financing
Equipment financing
Invoice financing and factoring
Revenue-based financing

Market Position:

Biz2Credit's strength lies in its comprehensive financing options and established marketplace model. However, like other lending marketplaces, it provides no operational tools for managing B2B payments, accounts receivable, or customer relationships.

The platform serves businesses seeking traditional financing options with a single application process. While useful for capital acquisition, it doesn't address the operational challenges of B2B commerce or provide the embedded payment capabilities that modern B2B companies require.

7. Traditional Invoice Factoring — The Outdated Alternative

Traditional invoice factoring represents the legacy approach to B2B financing that platforms like Resolve are actively replacing. This method involves selling invoices to a third-party factor at a discount, typically ranging from 7-14%.

Key Characteristics:

Recourse factoring requires merchants to buy back unpaid invoices
Advance rates typically 70-90% of invoice value
Monthly fees of $100-500 in addition to factoring fees
Loss of customer relationship control to the factor
Lengthy application and approval processes
Concentration limits and account restrictions

Why Modern Platforms Are Superior:

Resolve's non-recourse financing eliminates the risk of having to buy back unpaid invoices, while providing higher advance rates (90-100%) and maintaining merchant control over customer relationships. The platform's AI-powered automation reduces manual AR work by up to 90%, eliminating the need for additional staff to manage collections.

The total cost of ownership comparison is striking: Resolve's flat fees of 2.61-3.5% versus traditional factoring's 7-14% fees plus monthly charges and potential recourse liability. For B2B companies seeking to optimize cash flow without sacrificing customer relationships or taking on unnecessary risk, modern platforms like Resolve represent a clear upgrade over traditional factoring.

Making the Right Choice for Your Business

For B2B companies evaluating Fundera alternatives, the choice depends on your specific business model, customer base, and growth objectives:

By Business Type:

B2B Sellers Offering Net Terms: Resolve (comprehensive platform with non-recourse financing)
Traditional Loan Seekers: Fundera or Lendio (SBA loans, term loans, equipment financing)
Ecommerce B2B: Resolve (native integrations with Shopify, BigCommerce, Magento)
Service Businesses: BlueVine or OnDeck (fast working capital without complex requirements)
Startups with Limited Credit: Fundbox (accessible but expensive working capital)

Cost Comparison for $500K Annual Invoices:

Resolve: $13,050-$17,500 annually (2.61-3.5% flat fee)
Traditional Factoring: $35,000-$70,000 annually (7-14% fees plus monthly charges)
Fundera Term Loan: Estimated $45,000 annually (assuming $300K loan at average 15% APR)

Implementation Timeline:

Resolve: Days to weeks with native integrations
Traditional Lenders: 1-2 weeks for direct lenders, days to weeks for marketplaces
Factoring Companies: 2-4 weeks for setup and account approval

For B2B companies specifically, Resolve provides the only comprehensive solution that addresses both financing and operational needs. The platform's non-recourse financing, AI-powered automation, and ecommerce integration make it uniquely suited for modern B2B commerce challenges.

Frequently Asked Questions

What are the main differences between Fundera and Resolve?

Fundera operates as a lending marketplace that connects businesses with traditional lenders offering SBA loans, term loans, and lines of credit with APRs ranging from 7-30%. Resolve is a comprehensive B2B payment platform that provides non-recourse net terms financing with flat fees of 2.61-3.5%, AI-powered accounts receivable automation, and native ecommerce integrations. While Fundera helps businesses secure debt financing, Resolve enables B2B companies to offer net terms to their customers without cash flow strain or credit risk.

How does Resolve's AI automation benefit accounts receivable?

Resolve's AI-powered automation reduces manual AR work by up to 90% through AI agents that handle invoicing, payment reminders, collections, and reconciliation. The platform uses LLMs to automatically sync transactions across systems, ensuring accuracy and efficiency throughout the receivables lifecycle. This eliminates the need for dedicated AR staff while accelerating cash flow and reducing DSO from typical 45-60 days to just 1 day with advance payment.

Can Resolve help offer net terms without risk?

Yes, Resolve provides non-recourse financing, meaning you bear zero risk on approved invoices if customers default. Resolve's experts—formerly of Amazon, PayPal, and Fortune 500 firms—handle credit assessment, underwriting, and collections, taking on the majority risk of late payments or defaults. This allows you to offer net 30, 60, or 90-day terms to customers while receiving cash upfront, effectively using Resolve as your credit team.

What businesses benefit most from Resolve?

Resolve is ideal for B2B companies that want to offer net terms to customers while maintaining healthy cash flow. This includes 15,000+ businesses across various industries including wholesale distributors, manufacturers, suppliers, and B2B ecommerce businesses. Companies using platforms like Shopify, BigCommerce, Magento, QuickBooks, or NetSuite benefit from Resolve's native integrations that enable seamless implementation with minimal technical overhead.

Is Resolve truly non-recourse financing?

Yes, all cash advances are non-recourse so what you get is always yours to keep. Unlike traditional factoring or recourse financing, Resolve assumes 100% of the credit risk on approved invoices. If your customer fails to pay, you don't have to repay Resolve or buy back the invoice. This non-recourse protection is backed by Resolve's sophisticated AI underwriting models and credit expertise from former Amazon and PayPal executives.

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.