Fundomate Alternatives: Better Solutions for B2B Businesses in 2025

While Fundomate provides merchant cash advances for businesses needing working capital, B2B companies selling invoices require specialized solutions that offer net terms, reduce risk, and accelerate cash flow. Resolve leads this category with a non-recourse B2B financing model that eliminates bad debt risk while accelerating cash flow through upfront invoice advances.

Key Takeaways

• Non-recourse financing eliminates risk: Resolve provides non-recourse financing with advances up to 90% of approved invoices while assuming all credit risk
• Dramatically lower costs: Resolve's estimated 2.61-3.5% flat fee structure versus Fundomate's high effective APR creates significant cost savings for B2B companies
• Built for B2B invoicing: Unlike Fundomate's general working capital approach, Resolve is specifically designed for B2B net terms with white-labeled buyer portals and AR automation
• All-in-one platform: Resolve combines invoice financing, AR automation, credit decisioning, and payment processing in a single solution
• Revenue growth through payment flexibility: Resolve customers report significant revenue increases and higher average order values by offering net terms to buyers
• Seamless integrations: Resolve connects with major platforms like QuickBooks, NetSuite, and Shopify for automated data flow

1. Resolve — The Complete B2B Net Terms Platform

Resolve Pay stands out as the premier Fundomate alternative by addressing the specific needs of B2B businesses through its comprehensive net terms platform. With $60M+ in venture funding and backing from Insight Partners, Resolve serves over 12,000 businesses with a solution that combines embedded credit, non-recourse financing, and AI-powered automation.

Key Features:

• 100% non-recourse financing with zero merchant risk on approved invoices
• Net 30, 60, or 90-day terms for your buyers at 0% interest
• Up to 90% advance within one business day
• AI-powered credit decisions in under 24 hours
• White-labeled payment portal maintaining your brand relationship with customers
• Automated AR workflows reducing manual collection work by 50-83%
• Seamless integrations with QuickBooks, NetSuite, Shopify, BigCommerce, and Magento

Pricing Structure:

Resolve offers transparent, predictable pricing tailored for B2B invoice-based businesses:

• Estimated 2.61-3.5% flat fee for Net 30 terms
• Risk-based advance rates of 50%, 75%, or 90% depending on buyer creditworthiness
• No monthly platform fees or minimums
• Credit card fees passed to buyers through the payment portal

Resolve's platform transforms the B2B payment experience by enabling businesses to offer net terms and grow revenue while getting paid in 1 day instead of waiting 60-90 days. The solution is particularly valuable for businesses that want their customers to buy now and pay later without sacrificing their own cash flow.

Real-World Impact:

Businesses implementing Resolve report significant improvements in key metrics. Companies have reported up to 5× revenue growth after implementing the platform, along with 1.5× increases in average order value and 50% more repeat buyers. The platform's embedded credit expertise from former Amazon, PayPal, and Fortune 500 executives delivers deeper insights than traditional bureaus.

Unlike Fundomate's merchant cash advance model that requires daily debits from your bank account, Resolve's buyer-focused approach means your customers pay according to their net terms while you receive immediate cash. This fundamental difference eliminates the cash flow strain while actually increasing your sales through payment flexibility.

Understanding B2B Payment Challenges

B2B companies face unique working capital challenges compared to B2C businesses. According to the U.S. Small Business Administration, working capital management is one of the primary challenges facing growing businesses, particularly those offering extended payment terms to customers.

The traditional B2B payment cycle creates several pain points:

Cash Flow Gaps: When you offer Net 30, 60, or 90 payment terms to remain competitive, you must cover inventory, labor, and operating expenses while waiting for customer payments. This creates a cash conversion cycle that can strain even profitable businesses.

Credit Risk: Extending credit to business customers without proper assessment tools exposes you to bad debt risk. The Federal Reserve's Small Business Credit Survey found that accounts receivable management and late payments remain top concerns for B2B companies.

Administrative Burden: Managing invoices, payment reminders, collections, and reconciliation manually consumes valuable time that could be spent on growth activities. Many businesses spend 15-25 hours per week on AR management tasks.

Limited Growth Capital: Traditional bank financing often requires extensive documentation, collateral, and lengthy approval processes. According to the Federal Reserve’s 2023 Small Business Credit Survey, 43% of firms reported experiencing funding shortfalls that limited growth.

Specialized B2B payment solutions address these challenges through integrated financing, automated workflows, and risk mitigation features that traditional working capital sources like merchant cash advances cannot provide.

2. BlueVine — Invoice Factoring and Credit Lines

BlueVine provides B2B-focused financing through invoice factoring and lines of credit. Since 2013, the platform has specialized in working capital solutions for small and medium businesses.

Platform Strengths:

• Invoice factoring with advances up to 100%
• Lines of credit up to $250,000
• Invoice factoring up to $5 million
• Fast approval possible for qualified applicants
• QuickBooks integration for basic accounting sync
• Ongoing credit line rather than per-invoice financing

Key Considerations:

BlueVine serves businesses needing general working capital rather than those specifically wanting to offer net terms to customers. While it provides faster access to funds than traditional banks, it operates as a lender rather than a comprehensive B2B payments platform. Businesses seeking buyer-facing payment capabilities and integrated AR management will find different value propositions across solutions.

3. Fundbox — Automated Credit Lines for SMBs

Fundbox has provided over $6 billion in funding to 500,000+ small businesses since 2013 through its automated credit line platform.

Key Capabilities:

• Credit lines up to $150,000
• Deep QuickBooks integration for automated data pull
• AI-powered underwriting for fast decisions
• 12-24 week repayment terms

Pricing Considerations:

• Estimated 4.66–8.99% per draw for 12–24-week repayment terms
• Focused on seller financing rather than buyer-facing net terms
• Limited to smaller credit amounts compared to customized limits

Fundbox excels at providing working capital to SMBs already using QuickBooks or Xero. The platform offers quick access to funds through automated underwriting but focuses on financing the seller's operations rather than enabling buyer payment terms. Businesses seeking to enhance buyer purchasing power while protecting their own cash flow will find different approaches across available solutions.

4. Lendio — Marketplace for Multiple Lender Options

Lendio operates as a marketplace connecting businesses with 75+ lenders offering various financing products including SBA loans, term loans, and merchant cash advances.

Marketplace Advantages:

• One application, multiple quotes
• Access to SBA loan programs with potentially favorable rates
• Wide range of financing options from different lenders
• No direct lending – Lendio matches you with partners

Platform Approach:

Lendio provides access to multiple financing options through a single application, which can help businesses compare traditional lending products. The marketplace model offers variety but doesn't provide specialized B2B payment capabilities or AR automation features. Companies specifically seeking to implement net terms for their customers will need dedicated platforms rather than general lending marketplaces.

5. OnDeck — Traditional Online Lending

OnDeck has been a major online lender since 2007, providing short-term loans and lines of credit to small businesses.

Core Offerings:

• Short-term loans and lines of credit
• Same-day funding possible for approved applicants
• Established track record in online lending
• Traditional lending approach with regular repayments

Lending Focus:

OnDeck provides general working capital through traditional lending structures. The platform offers fast access to funds compared to conventional banks but takes a lender-focused approach rather than providing B2B-specific payment solutions. Businesses seeking AR automation or buyer payment term capabilities will find different feature sets across available platforms.

Comparing Costs: What B2B Companies Should Know

When evaluating financing costs for B2B operations, understanding total cost of capital requires looking beyond stated fees to include all associated expenses and risks.

Cost Components to Consider:

For any B2B financing solution, total costs include:

• Direct fees: The stated percentage or APR charged by the financing provider
• AR software: Many businesses need separate tools for invoicing, collections, and reconciliation ($99-$499/month)
• Credit risk: Potential losses from customer non-payment can range from 2-10% of receivables annually
• Administrative time: Manual AR management consumes 15-25 hours weekly with associated labor costs

Traditional MCA Considerations:

Merchant cash advances typically carry significantly higher costs than invoice-based financing. According to NerdWallet's analysis, effective APRs often range from 40-350%, plus the operational impact of daily bank account debits on cash flow management.

Integrated Platform Value:

Platforms combining financing, AR automation, and risk mitigation can deliver lower total costs than piecing together separate solutions. The value comes from eliminating software expenses, reducing bad debt, and freeing staff time for revenue-generating activities.

When comparing options, B2B companies should calculate total cost of capital including all fees, software, risk mitigation, and administrative expenses to make accurate comparisons.

Making the Right Choice for Your B2B Business

When evaluating Fundomate alternatives, consider these key factors based on your specific business model:

For B2B Invoice-Based Businesses:

If you sell to other businesses on invoice terms, solutions designed specifically for B2B commerce offer the most value:

• Look for platforms enabling you to offer net terms while receiving immediate payment
• Prioritize non-recourse models that eliminate credit risk
• Seek AR automation that reduces manual workload
• Choose white-labeled solutions maintaining customer relationships

For Businesses Needing General Working Capital:

If you need emergency capital for operations or inventory without offering buyer payment terms:

• Evaluate total cost including all fees and repayment impacts
• Consider cash flow effects of daily vs. monthly repayments
• Compare traditional bank lines, online lenders, and specialized options
• Calculate effective APR for accurate cost comparison

Implementation Considerations:

Resolve: 1-2 weeks for full platform integration with fast credit decisions on initial invoices

Other Options: Timeline varies from same-day funding (general working capital) to 2-4 weeks (traditional lending)

The fundamental difference between B2B payment platforms and general working capital sources is strategic: specialized solutions transform your payment process into a revenue growth tool, while traditional financing simply provides capital at a cost. For businesses selling on invoices, platforms specifically designed for B2B commerce deliver better alignment with business model needs.

Frequently Asked Questions

What are common challenges businesses face when offering net terms to customers?

The primary challenges include cash flow strain from waiting 30-90 days for payment, bad debt risk from customer defaults, manual accounts receivable management, and complex credit assessment processes. According to the SBA's guidance on managing business finances, effective receivables management is critical for maintaining healthy cash flow. Specialized B2B platforms address these challenges through non-recourse financing with advance payments, AI-powered AR automation, and credit decisions using proprietary underwriting models.

How does non-recourse financing protect my business?

Non-recourse financing means the financing provider assumes all credit risk on approved invoices. If your customer fails to pay, you face zero liability – the advance payment you received is yours to keep. This eliminates bad debt concerns and protects your balance sheet, unlike recourse financing or merchant cash advances where you remain fully responsible for repayment regardless of customer payment. This risk transfer is particularly valuable for growing B2B companies extending credit to new customers.

Can these alternatives integrate with my existing accounting software?

Modern B2B payment platforms offer integrations with major accounting and e-commerce systems including QuickBooks, Oracle NetSuite, Sage Intacct, Xero, Shopify, BigCommerce, and Magento. These integrations automatically sync invoices, payments, and AR data bidirectionally, eliminating manual data entry and ensuring financial accuracy across systems. The depth of integration varies by provider, with comprehensive platforms offering real-time data sync and automated reconciliation.

How quickly can I get paid for invoices with B2B financing?

With specialized B2B platforms, you can typically receive advance payments within one business day of invoice approval. The exact timeline depends on integration setup (usually 1-2 weeks for full implementation) and credit decision speed (often under 24 hours for most buyers). This contrasts with traditional net terms where you wait 30-90 days for full payment. The advance percentage typically ranges from 50-90% depending on buyer creditworthiness.

What are typical fees for B2B net terms providers?

Fee structures vary significantly across B2B financing solutions. Specialized net terms platforms typically charge flat fees in the estimated 2-3.5% range for Net 30 terms, with fees scaling based on term length and advance percentage. These fees are generally lower than merchant cash advances, which can carry effective APRs of 40-350% according to industry analyses. When comparing costs, consider total expenses including AR software, credit risk, and administrative time savings.

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.