FundKite Alternatives

While FundKite provides revenue-based financing and merchant cash advances up to $2M, modern B2B sellers are discovering superior alternatives that offer net payment terms, non-recourse financing, and accounts receivable automation. Resolve Pay leads this new generation with a complete B2B payment infrastructure that eliminates risk while accelerating cash flow.

Key Takeaways

Non-recourse financing eliminates bad debt risk: Resolve provides non-recourse financing where sellers keep advances even if buyers default, unlike FundKite’s MCA/revenue-based structure, where repayments are still owed based on your sales
75-87% lower costs than traditional alternatives: Resolve's transparent 2.61-3.5% flat fees for Net 30 terms versus estimated 15-60% annualized costs from FundKite and factoring companies
Complete B2B payment transformation: Only Resolve combines net terms, non-recourse advances, AR automation, and enterprise integrations in one platform
White-labeled customer experience: Maintain your brand relationship with buyers through custom payment portals—no visible third-party lender
Enterprise-grade integrations: Bi-directional ERP/accounting sync (e.g., NetSuite/QuickBooks) plus eCommerce checkout/API integrations reduces reconciliation time by 90%
Proven outcomes: Strong customer satisfaction with reported 5x revenue growth, 1.5x average order value, and 35% DSO reduction

1. Resolve — The Complete B2B Payment Infrastructure

Resolve Pay stands as the premier FundKite alternative by addressing the root challenges of B2B commerce: offering net terms while eliminating credit risk and automating accounts receivable. Trusted by over 15,000+ businesses with $60M+ in venture funding, Resolve brings consumer fintech innovation to B2B payments through its integrated platform.

The B2B payment landscape continues to evolve rapidly. According to the U.S. Census Bureau, B2B commerce is measured in the trillions, and terms-based selling creates major working-capital pressure for suppliers in annual transactions, yet many businesses still struggle with traditional payment friction. Resolve addresses this challenge by combining modern technology with comprehensive financial services designed specifically for B2B transactions.

Key Features:

Non-recourse financing with zero seller risk
Net 30, 60, or 90-day payment terms for buyers
Advance pay up to 90% on approved invoices within 1-2 business days
Free business credit checks with results in under 24 hours
AI-powered AR automation reducing manual work by 50-83%
White-labeled payment portal accepting ACH, credit card, wire, and check
Enterprise integrations with QuickBooks, NetSuite, Xero, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce

Pricing Structure:

Transparent flat fees of 2.61-3.5% for Net 30 terms (varies by risk and advance percentage)
No monthly minimums or setup fees
Credit card fees passed to buyers, not charged to sellers
Custom pricing for enterprise volumes

The platform's AI-powered reconciliation reduces manual work by 90%, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Unlike traditional invoice factoring, Resolve maintains seller control over customer relationships while eliminating collections burden and bad debt risk.

Resolve's unique value proposition lies in its comprehensive approach: while FundKite provides only financing, Resolve delivers a complete B2B payment transformation. Sellers can offer net terms to increase buyer purchasing power and sales volume while receiving immediate payment and transferring all credit risk. This combination of non-recourse financing, AR automation, and enterprise integrations creates a powerful foundation for B2B growth.

Recent case studies demonstrate significant impact: businesses report 5x revenue growth, 1.5x average order value, and 35% DSO reduction. The platform reflects consistent user satisfaction with ease of use, cash flow improvement, and AR automation capabilities.

The B2B financing landscape has evolved beyond traditional merchant cash advances and revenue-based financing. FundKite serves businesses needing quick working capital, but B2B sellers specifically require solutions that address the unique challenges of net payment terms, accounts receivable management, and buyer credit risk. This has created a new category of platforms that fundamentally transform B2B payment operations rather than simply providing capital.

Analysis shows that while FundKite offers fast approval and funding within 24-48 hours, it lacks the automation features, risk transfer, and integration capabilities that modern B2B businesses demand. The alternatives below represent different approaches to solving these challenges, with Resolve Pay offering the most comprehensive solution for B2B sellers on net terms.

2. Bluevine — Invoice Factoring with Higher Limits

Bluevine represents a more traditional approach to B2B financing with invoice factoring capabilities and higher absolute funding limits. The platform offers factoring up to $5M and lines of credit up to $250K, making it suitable for businesses with substantial financing needs.

Platform Strengths:

High factoring limits up to $5M
Multiple product options (factoring + line of credit)
Quick application process
Basic QuickBooks integration
Established track record in SMB financing

Pricing Considerations:

Average 1-5% monthly fees for factoring
Higher costs than Resolve's transparent flat fees
Traditional recourse structure typically maintains seller liability
Monthly minimums and termination fees may apply

While Bluevine provides legitimate invoice factoring services, it operates within the traditional recourse model where sellers typically retain payment risk. The platform lacks Resolve's AR automation features, white-labeled customer experience, and non-recourse risk transfer. However, for businesses requiring very large factoring volumes ($5M+) and comfortable with traditional recourse factoring, Bluevine offers a viable if more expensive alternative.

According to the Small Business Administration, working capital financing options have expanded significantly in recent years, giving businesses more choices for managing cash flow. Industry comparisons show that Bluevine's factoring costs significantly exceed Resolve's transparent pricing, with typical annualized rates of 12-60% versus Resolve's 2.61-3.5% flat fees for Net 30 terms. The lack of comprehensive AR automation and enterprise integrations further limits Bluevine's appeal for businesses seeking complete B2B payment transformation.

3. OnDeck — Traditional Working Capital Loans

OnDeck provides traditional term loans and lines of credit for small businesses needing general working capital. Unlike Resolve's invoice-specific approach, OnDeck offers financing based on overall business health rather than individual invoices or receivables.

Core Capabilities:

Term loans and lines of credit
APR varies by applicant and product; review OnDeck’s disclosed pricing before signing
General working capital (not invoice-specific)
Established lender with broad eligibility
Simple application process

Limitations for B2B Sellers:

Not B2B-specific—no net terms, credit checks, or AR features
Traditional loan liability appears on balance sheet
Higher costs than Resolve's transparent pricing
No automation or integration capabilities
No risk transfer for B2B transactions

OnDeck serves businesses that need pure working capital without the specific requirements of B2B net terms financing. However, B2B sellers specifically requiring solutions for accounts receivable, credit management, and buyer payment terms will find OnDeck's traditional loan structure insufficient. The platform essentially provides debt financing rather than B2B payment infrastructure.

For businesses that don't invoice customers or require general working capital unrelated to receivables, OnDeck's traditional lending approach may be appropriate. But for B2B sellers operating on net terms, Resolve's specialized platform offers superior functionality, lower costs, and complete risk elimination.

4. Credibly — Merchant Cash Advances with Flexible Terms

Credibly offers merchant cash advances and term loans with flexible underwriting based on revenue rather than credit scores. Similar to FundKite, Credibly provides quick working capital for businesses that may not qualify for traditional financing.

Platform Features:

Revenue-based underwriting
Fast approval and funding
Flexible repayment terms
Works with diverse credit profiles
General working capital focus

Significant Limitations:

Traditional recourse structure typically maintains seller liability
Higher costs than Resolve's transparent pricing
No B2B-specific features (net terms, AR automation, credit checks)
No integrations or automation capabilities
Pure financing without workflow transformation

Credibly's approach mirrors FundKite's revenue-based financing model, providing quick capital but lacking the specialized features B2B sellers need. The platform essentially offers traditional merchant cash advances without addressing the unique challenges of B2B commerce, such as net payment terms, accounts receivable management, and buyer credit risk.

While Credibly may serve businesses needing general working capital unrelated to B2B transactions, it fails to provide the comprehensive B2B payment infrastructure that Resolve delivers. B2B sellers specifically require solutions that combine financing with operational transformation, making Resolve the superior choice for this specialized use case.

5. The Fundworks — Revenue-Based Financing Alternative

The Fundworks offers revenue-based financing similar to FundKite, providing capital to growth-stage businesses based on revenue performance rather than traditional credit metrics. Founded in 2015, the platform serves businesses seeking alternatives to traditional debt financing.

Key Characteristics:

Revenue-based financing model
Focus on growth-stage businesses
Flexible repayment tied to revenue
Alternative to traditional lending
Quick approval process

Critical Gaps for B2B Sellers:

No B2B-specific features or net terms capabilities
Recourse financing typically maintains seller risk
No AR automation or credit management tools
No enterprise integrations or automation
Pure capital without operational transformation

The Fundworks represents another variation of the revenue-based financing model that FundKite popularized. While this approach serves businesses needing general working capital, it doesn't address the specific requirements of B2B sellers operating on net payment terms. The lack of B2B payment infrastructure—net terms, credit checks, AR automation, and risk transfer—makes The Fundworks unsuitable for businesses seeking comprehensive B2B payment solutions.

6. Onramp Funds — eCommerce-Focused Revenue Financing

Onramp Funds specializes in revenue-based financing for eCommerce and direct-to-consumer businesses. The platform provides working capital based on digital sales performance, making it particularly relevant for online businesses.

Platform Focus:

eCommerce and DTC business specialization
Revenue-based underwriting using digital sales data
Quick funding based on online performance
Alternative to traditional lending
Digital-first approach

Missing B2B Capabilities:

No net terms or B2B payment terms
No accounts receivable automation
No buyer credit assessment or management
No enterprise integrations beyond basic eCommerce
Pure financing without B2B payment infrastructure

Onramp Funds serves a specific niche of digital-first businesses but lacks the comprehensive B2B payment capabilities that Resolve provides. While eCommerce integration is important, B2B sellers require additional functionality including net payment terms, credit risk management, and accounts receivable automation. Resolve's platform addresses all these requirements while also providing eCommerce integrations with Shopify, BigCommerce, Magento, and WooCommerce.

7. Kapitus — Small Business Working Capital

Kapitus provides working capital solutions for small businesses through various financing products including merchant cash advances and term loans. The platform focuses on SMB financing with flexible underwriting criteria.

General Features:

Small business financing focus
Multiple product options
Flexible underwriting criteria
Quick approval process
General working capital solutions

B2B-Specific Limitations:

No net terms or B2B payment capabilities
No accounts receivable automation
No buyer credit management
No enterprise integrations
Traditional recourse financing with seller risk

Kapitus represents another traditional SMB lender that provides general working capital without specialized B2B payment infrastructure. While the platform may serve businesses needing general financing, it doesn't address the unique challenges of B2B commerce including net payment terms, credit risk management, and AR automation.

Why B2B Sellers Need Specialized Solutions

The fundamental difference between FundKite and its alternatives lies in their approach to B2B commerce. FundKite and similar platforms provide general working capital through revenue-based financing or merchant cash advances. While this serves businesses needing quick capital, it doesn't address the specific challenges B2B sellers face.

Research from the Federal Reserve indicates that payment systems continue evolving, with increasing demand for flexible B2B payment solutions that combine speed, security, and working capital support.

The B2B Payment Challenge:

Offering net terms (30/60/90 days) to increase sales while managing cash flow
Assessing buyer creditworthiness without extensive paperwork
Managing accounts receivable and collections efficiently
Eliminating bad debt risk from buyer defaults
Integrating payment processes with existing ERP and eCommerce systems

Resolve's Comprehensive Solution:

Net terms with non-recourse financing eliminates bad debt risk
Free business credit checks provide instant buyer assessment
AI-powered AR automation reduces manual work by 50-83%
Enterprise integrations sync with existing systems
White-labeled payment portals maintain customer relationships

Industry analysis confirms that businesses switching from traditional financing to Resolve's platform achieve significant benefits: 75-87% cost reduction, complete risk elimination, and comprehensive AR automation. This transformation goes far beyond simple financing, creating a complete B2B payment infrastructure that drives growth while protecting cash flow.

Making the Right Choice for Your Business

For B2B sellers evaluating FundKite alternatives, the choice depends on your specific business model and requirements:

Choose Resolve Pay when you need:

B2B net terms with complete risk elimination
Accounts receivable automation with AI-powered workflows
Enterprise integrations with QuickBooks, NetSuite, or eCommerce platforms
White-labeled customer experience that maintains your brand
Transparent, lower-cost financing (2.61-3.5% vs. 15-60% annualized)

Choose FundKite or traditional lenders when you need:

Pure working capital unrelated to invoices or receivables
Revenue-based financing for businesses without B2B transactions
General business loans not tied to specific customer payments
Higher absolute funding amounts ($2M+) regardless of cost

Cost Comparison for $100K Monthly Invoices:

Resolve: Estimated $31,320 annually (2.61% × 12 months)
Traditional factoring: Estimated $180,000-600,000 annually (15-50% annual)
FundKite MCA: Estimated $240,000-600,000 annually (20-50%+ equivalent APR)

The total cost analysis reveals that Resolve often delivers net savings even after accounting for financing fees, due to AR labor reduction (estimated $40,000-80,000 annually) and bad debt elimination (estimated $10,000-30,000 annually).

For businesses seeking to transform their B2B payment operations rather than simply secure financing, Resolve's platform provides the only solution that combines net terms, non-recourse financing, AR automation, and enterprise integrations in a single, cost-effective package.

Frequently Asked Questions

How does Resolve's advance pay compare to traditional invoice factoring?

Unlike traditional factoring, Resolve offers non-recourse advance pay where sellers keep 100% of advances even if buyers default. Traditional factoring typically charges 15-50% annualized fees and maintains seller liability for unpaid invoices. Resolve's transparent 2.61-3.5% flat fees for Net 30 terms represent an estimated 75-87% cost reduction, while the non-recourse structure eliminates bad debt risk entirely. Additionally, Resolve maintains white-labeled customer relationships, whereas factoring often involves direct lender contact with buyers.

Can Resolve help my business offer net terms without credit risk?

Yes, Resolve's non-recourse financing completely eliminates seller credit risk. When Resolve approves a buyer and advances payment on an invoice, the seller keeps the advance regardless of whether the buyer pays. Resolve handles all credit assessment, underwriting, and collections, allowing businesses to offer Net 30, 60, or 90-day terms while receiving payment within 1-2 business days. This risk transfer enables sellers to confidently offer net terms to higher-growth or higher-risk buyers without worrying about bad debt exposure.

What integrations does Resolve offer for B2B platforms?

Resolve offers native integrations with major B2B eCommerce platforms including Shopify, BigCommerce, Magento 2, and WooCommerce. These integrations enable embedded net terms at checkout, automatic customer and invoice sync, and real-time payment reconciliation. Additionally, Resolve integrates with ERP and accounting systems including QuickBooks Online, NetSuite, Xero, and Sage Intacct, creating a seamless flow from order to cash. The platform's flexible API also supports custom integration with any eCommerce or ERP system.

Is Resolve's credit assessment faster than traditional methods?

Yes, Resolve's credit assessment delivers results in under 24 hours (often instantly) compared to 2-5 days for traditional methods. The platform combines AI, behavioral signals, and human expertise from former Amazon and PayPal professionals to generate data-rich credit decisions. Unlike traditional bureaus that rely primarily on credit scores, Resolve's proprietary models evaluate thousands of buyer data points to provide deeper credit insights. The process requires only a business name and address, with no paperwork or customer interaction needed.

What fees does Resolve charge for net terms?

Resolve charges transparent flat fees of 2.61-3.5% for Net 30 terms, with fees varying by buyer risk and advance percentage. Higher-risk customers may receive lower advance rates (75% or 50%) with corresponding fee adjustments. Unlike traditional alternatives that charge estimated 15-60% annualized costs, Resolve's pricing is straightforward with no hidden fees, monthly minimums, or termination penalties. Credit card processing fees are passed to buyers through the payment portal, not charged to sellers.

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.