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.
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.
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.
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.
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.
Balance Payments offers a developer-friendly, API-first architecture specifically designed for B2B marketplaces and platforms seeking digital trade credit solutions.
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.
TreviPay represents the enterprise end of the B2B payments spectrum with 40+ years of trade credit experience and massive processing capabilities.
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.
Fundbox provides general working capital solutions rather than invoice-specific financing, focusing on SMBs that need flexible credit lines for various business expenses.
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.
Traditional invoice factoring remains a common alternative, though it comes with significant limitations compared to modern platforms.
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.
Merchant Cash Advances represent a high-cost emergency funding option that should be considered only as a last resort.
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.
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.
According to industry research, businesses implementing net terms see:
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.
For B2B companies evaluating Fundr alternatives, the choice depends on your business stage, risk tolerance, and specific needs:
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.
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.
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.
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.
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.
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.