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.
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:
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:
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.
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:
Loan Options:
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.
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:
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.
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:
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.
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:
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.
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:
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.
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:
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.
For B2B companies evaluating Fundera alternatives, the choice depends on your specific business model, customer base, and growth objectives:
By Business Type:
Cost Comparison for $500K Annual Invoices:
Implementation Timeline:
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.
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.
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.
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.
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.
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.