Fundr Alternatives

While Fundr offers basic B2B financing solutions, modern businesses are discovering superior alternatives that provide non-recourse protection, AI-powered automation, and transparent pricing. From Resolve's comprehensive net terms platform to specialized solutions for different business needs, these alternatives deliver the working capital and payment flexibility B2B companies require without Fundr's limitations.

Key Takeaways

• Non-recourse financing eliminates risk: Resolve provides 100% non-recourse financing with up to 100% advance on approved invoices, eliminating merchant risk entirely
• AI underwriting transforms approval speed: Modern platforms deliver credit decisions in as little as 30 seconds compared to traditional processes, with Resolve's Smart Credit requiring only business name and address
• Significant cost savings: Resolve offers an estimated 70% cost savings versus Fundbox (a similar alternative to Fundr), with transparent flat fees of around 2.61-3.5% versus Fundbox's 4.66-8.99% per draw
• Comprehensive AR automation: Resolve reduces manual accounts receivable work by up to 90% through AI-powered automation, unlike basic financing solutions
• Flexible payment terms: Modern platforms offer Net 30/60/90 day terms that align with standard B2B payment practices, where a significant portion of B2B sales are transacted on credit terms
• Seamless integration: Solutions like Resolve integrate with popular platforms like QuickBooks, Shopify, and BigCommerce for immediate implementation

1. Resolve — Comprehensive B2B Net Terms Without the Risk

The B2B payments landscape has evolved significantly, with AI-powered automation and non-recourse financing becoming essential for growing companies. According to the U.S. Small Business Administration, cash flow management remains one of the top challenges for small and medium-sized businesses, with payment delays creating significant operational constraints.

Industry research shows the B2B BNPL market reached approximately $14 billion in transaction volume in 2023, with global B2B payments projected to reach $313.9 billion by 2031. This growth has fueled innovation in net terms financing, creating sophisticated options that often surpass basic financing solutions in specific areas.

Resolve emerges as the premier Fundr alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Founded in 2019 by Chris Tsai and Brian Nguyen as a spin-off from Affirm's B2B initiative, Resolve brings consumer fintech innovation to B2B payments with backing from Initialized Capital and Commerce Ventures.

Key Features

• 100% non-recourse financing with zero merchant risk
• AI-powered credit decisions requiring only business name and address
• Net 30, 60, or 90 terms
• Up to 100% advance payment within 24 hours
• Transparent flat fees of around 2.61-3.5%
• Seamless integration with QuickBooks, NetSuite, Shopify, and BigCommerce
• White-label payment portal accepting ACH, wire, credit card, and check

Pricing Structure

• Flat fees of around 2.61% for Net 30 terms, with higher rates for Net 60/90
• No monthly minimums or setup fees
• No hidden charges or volume requirements
• Credit card fees passed to buyers through online payment portal

Platform Capabilities

The platform's AI-powered reconciliation reduces manual work by up to 90%, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Recent case studies demonstrate significant impact: Archipelago tripled their revenue, and SSSI achieved 5x growth.

Unlike traditional financing models, Resolve maintains merchant control over customer relationships while eliminating collections burden. The platform currently serves over 15,000 businesses and has processed significant transaction volume since its inception.

For businesses seeking comprehensive net terms management, Resolve offers end-to-end solutions that handle everything from smart credit checks to payment and collections management, all under the merchant's brand.

2. CreditKey — Extended Payment Terms for SMBs

CreditKey provides B2B financing with extended payment terms up to 12 months, making it suitable for small businesses needing longer financing periods than standard net terms.

Platform Strengths

• Extended payment terms up to 12 months
• BNPL-style installment options (pay in 4)
• 30-second credit decisions at checkout
• Net 30 terms with 0% interest for first 30 days
• CreditKey positions itself as “no risk to the merchant,” paying merchants within ~48 hours while it underwrites and manages repayment
• Lower credit limits (up to $50K, with $1M available upon request)

Pricing Considerations

• 0% interest for first 30 days, then approximately 1% per month
• Recourse model means merchants assume repayment risk
• 48-hour payout timeline (slower than Resolve's 24-hour advance)
• Limited AR automation capabilities

CreditKey serves businesses that need extended financing terms beyond the standard Net 30/60/90 days. However, the recourse model means merchants bear the risk of customer non-payment, unlike Resolve's non-recourse protection.

The platform works well for small businesses with lower credit needs ($50K range) but lacks the comprehensive AR automation and risk protection that mid-market businesses require for sustainable growth.

3. Balance Payments — API-First Solutions for Marketplaces

Balance Payments offers a developer-friendly, API-first architecture specifically designed for B2B marketplaces and platforms seeking digital trade credit solutions.

Platform Advantages

• API-first architecture for custom integrations
• Instant seller payouts
• Purpose-built for B2B marketplace environments
• Digital-first payment infrastructure
• Non-recourse financing model
• Flexible net terms up to Net 90

Implementation Considerations

• Custom pricing requiring consultation
• Narrow focus primarily on marketplace use cases
• Developer resources needed for custom implementations
• Limited transparency on specific pricing models

Balance excels in marketplace-specific environments where platform operators need flexible payment infrastructure for their sellers. The API-first approach makes it ideal for tech-forward businesses with development resources, though it may be less accessible for businesses seeking turnkey solutions.

While Balance offers strong marketplace capabilities, Resolve provides both robust APIs and turnkey solutions, making it accessible to a broader range of businesses regardless of technical sophistication.

4. TreviPay — Enterprise-Scale Trade Credit Solutions

TreviPay represents the enterprise end of the B2B payments spectrum with 40+ years of trade credit experience and massive processing capabilities.

Enterprise Capabilities

• $6 billion annual processing volume
• Credit lines exceeding $20 million
• Global operations in 20+ countries with 10+ currencies
• Full order-to-cash automation
• Non-recourse financing model
• Instant credit approval

Enterprise Considerations

• Custom enterprise pricing only (no transparent rates)
• Complex implementation requiring significant integration effort
• Enterprise-only focus (not suitable for SMB market)
• Extensive onboarding and setup requirements

TreviPay serves businesses with massive credit needs and global operations, but its enterprise-only focus means it's not accessible to the mid-market B2B segment that represents the majority of the market. For businesses needing $20M+ credit lines, TreviPay offers proven capabilities, but for most B2B companies, Resolve provides better value with transparent pricing and faster implementation.

5. Fundbox — General Working Capital for Small Businesses

Fundbox provides general working capital solutions rather than invoice-specific financing, focusing on SMBs that need flexible credit lines for various business expenses.

Platform Characteristics 

• Credit lines from $1,000 to $250,000
• Fundbox charges weekly fees on drawn amounts; rates start around 4.66% for a 12-week plan
• Recourse financing model (business bears repayment risk)
• Focus on revenue over credit score for qualification
• QuickBooks and Xero integration
• No net terms offering to extend payment terms to buyers

Cost Considerations

• 70-157% more expensive than Resolve Pay
• Recourse model increases merchant risk
• No AR automation capabilities
• General working capital rather than invoice-specific financing

Fundbox serves businesses needing general working capital beyond invoice financing, but at significantly higher costs. For $500K in annual invoice volume, Fundbox costs an estimated $23,300-$44,950 annually compared to Resolve's estimated $13,050-$17,500. The recourse model also means businesses bear the risk of customer non-payment, unlike Resolve's non-recourse protection.

6. Traditional Invoice Factoring — Legacy Cash Flow Solutions

Traditional invoice factoring remains a common alternative, though it comes with significant limitations compared to modern platforms.

Factoring Characteristics

• 1-5% monthly fees (12-60% annualized)
• 70-90% typical advance rates
• Loss of customer relationship control
• Third-party collections involvement
• Complex fee structures with hidden charges
• Recourse or non-recourse options available

Modern Alternative Benefits

• Resolve offers 100% advance rates versus 70-90% with factoring
• Around 2.61-3.5% flat fees versus 12-60% annualized with factoring
• Maintain customer relationships with white-label solutions
• Comprehensive AR automation reducing manual work by up to 90%

Traditional factoring often requires businesses to sacrifice customer relationships as factoring companies take over collections. Resolve's modern approach maintains merchant control while providing superior advance rates and lower costs.

7. Merchant Cash Advances (MCA) — High-Cost Emergency Funding

Merchant Cash Advances represent a high-cost emergency funding option that should be considered only as a last resort.

MCA Characteristics 

• Factor rates of 1.2-1.5 (20-50% effective cost)
• Daily payment deductions from revenue
• No credit requirements
• Fast approval and funding
• Extremely high effective APR
• No payment term extension to customers

Cost Comparison

• For a $10,000 advance, MCA costs an estimated $2,000-$5,000
• Resolve costs around $261-$350 for the same amount with 60-day terms
• MCA provides no value to customers (no extended payment terms)
• No AR automation or credit management benefits

MCAs should be avoided when possible due to their extremely high costs and lack of customer benefits. Modern platforms like Resolve provide better value with customer-friendly payment terms and comprehensive business benefits.

Modern B2B Payment Platforms Transform Net Terms

Beyond basic financing alternatives, 2025 witnesses the rise of comprehensive platforms transforming the B2B payments landscape. According to the Federal Reserve, payment flexibility significantly impacts B2B purchasing decisions, with buyers increasingly expecting the same convenient payment options in business transactions that they experience as consumers.

Resolve's Comprehensive Approach

• Free credit checks requiring only business name and address
• AI-powered AR automation reducing manual work by up to 90%
• Non-recourse financing eliminating merchant risk
• Transparent flat-rate pricing with estimated 70% cost savings versus alternatives
• Seamless integration with existing business systems

Market Impact Data

According to industry research, businesses implementing net terms see:

• 15% higher average transaction size
• 25-40% volume growth for B2B marketplaces
• 30-60% faster payment cycles
• 50% reduction in time managing receivables

The shift toward comprehensive platforms reflects growing merchant demand for solutions that address multiple business challenges simultaneously. Traditional financing models focusing solely on cash advance are being replaced by integrated solutions like Resolve's platform that combine credit, payments, and AR automation.

Making the Right Choice for Your Business

For B2B companies evaluating Fundr alternatives, the choice depends on your business stage, risk tolerance, and specific needs:

By Business Requirements

• Risk-averse businesses: Resolve (100% non-recourse protection)
• Mid-market B2B sellers: Resolve (comprehensive features, transparent pricing)
• B2B marketplaces: Balance or Resolve (API capabilities, marketplace experience)
• Enterprises with massive credit needs: TreviPay ($20M+ credit lines)
• Small businesses needing extended terms: CreditKey (12-month payment plans)
• General working capital needs: Fundbox (broader credit line usage)

Cost Comparison for $500,000 Annual Invoice Volume

• Resolve: Estimated $13,050-$17,500 annually (around 2.61-3.5% flat fee)
• CreditKey: Custom pricing (estimated similar to Resolve)
• Fundbox: Estimated $23,300-$44,950 annually (70-157% more expensive)
• Traditional Factoring: Estimated $60,000-$300,000 annually (12-60% annualized)
• MCA: Estimated $100,000-$250,000 annually (20-50% effective cost)

Implementation Timeline

• Same day: Resolve (with existing integrations)
• 1-7 days: CreditKey, Resolve (standard implementation)
• 7-14 days: Traditional factoring (customer transition)
• 14-30 days: TreviPay (enterprise systems integration)

For companies seeking expert guidance on B2B payment platform selection, Resolve's consultation services provide hands-on support through dedicated account management and technical integration assistance.

Frequently Asked Questions

How do modern B2B payment platforms differ from basic financing solutions like Fundr?

Modern platforms like Resolve offer 100% non-recourse financing where merchants face zero risk if customers default, unlike recourse models from basic financing solutions. They provide AI-powered credit decisions requiring only business name and address, deliver advances within 24 hours, and include comprehensive AR automation that reduces manual work by up to 90%. Additionally, modern platforms offer transparent flat-rate pricing (around 2.61-3.5%) versus complex fee structures, and maintain merchant control over customer relationships through white-label solutions.

What should I consider when switching from Fundr to an alternative?

Key considerations include risk management approach (non-recourse vs recourse), pricing transparency, integration capabilities with your existing systems, and feature comprehensiveness. Evaluate whether you need basic financing or comprehensive net terms management including credit assessment, AR automation, and collections management. Consider your customer base and whether you need to extend payment terms to buyers. Review contract terms carefully, especially regarding non-recourse provisions, fees, and termination clauses. Plan for data migration and ensure your chosen platform can integrate with your accounting and e-commerce systems.

How quickly can I implement a Fundr alternative?

Implementation speed varies by platform. Resolve offers integration in hours to days through turnkey connectors with platforms like BigCommerce, Shopify, and QuickBooks. CreditKey typically requires 1-7 days for standard implementation. Traditional factoring may take 7-14 days including customer transition planning. Enterprise solutions like TreviPay require 14-30 days for complex system integration. The fastest implementations come from platforms with pre-built integrations and dedicated implementation support teams.

What are the typical fees associated with using Resolve's net terms services?

Resolve offers transparent flat-rate pricing with fees of around 2.61% for Net 30 terms, with higher rates for Net 60/90 day terms. There are no monthly minimums, setup fees, or hidden charges. Credit card fees are passed on to buyers through the online payment portal. This pricing structure provides an estimated 70% cost savings versus alternatives like Fundbox, which charges 4.66-8.99% per draw. The flat fee structure enables accurate budgeting and predictable costs for businesses.

How does Resolve's credit assessment process work?

Resolve's AI-powered credit assessment requires only the customer's business name and address, delivering results within approximately 24 business hours. The platform combines AI, behavioral signals, and human expertise to evaluate thousands of buyer data points, generating dynamic credit decisions. Resolve's experts—formerly of Amazon, PayPal, and Fortune 500 firms—deliver deeper credit insights than traditional bureaus. The process is discreet with no customer interaction needed, and free credit checks are provided at no charge to merchants.

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.