GoKapital Alternatives: 7 Modern Solutions for B2B Growth in 2025

While GoKapital provides fast business loans and merchant cash advances, forward-thinking B2B companies are discovering superior alternatives that offer non-recourse financing, automated accounts receivable, and embedded net terms without the high cost of traditional debt. From Resolve's AI-powered platform to specialized lenders for new businesses, these seven options deliver working capital solutions tailored to modern B2B commerce.

Key Takeaways

Non-recourse financing eliminates risk: Resolve provides 100% non-recourse financing with up to 100% invoice advances and same-day payouts, transferring customer payment risk away from sellers
AR automation reduces operational burden: Modern platforms like Resolve automate collections, reconciliation, and invoicing, reducing manual work by up to 90% compared to managing receivables in-house
Buyer-based underwriting opens access: Resolve evaluates customer creditworthiness rather than seller credit, enabling startups and businesses with limited credit history to offer competitive net terms
Transparent flat-fee pricing beats compounding interest: Resolve's 2.61-3.5% flat fee structure provides predictable costs versus GoKapital's 15-45% APR that compounds over time
Embedded net terms increase sales: Offering Net 30/60/90 at checkout through platforms like Resolve can increase average order value by 40% and drive 20% YoY sales growth
Total cost of ownership favors integrated solutions: When accounting for AR software, collections labor, and bad debt, Resolve's all-in-one platform costs significantly less than GoKapital plus separate operational tools

1. Resolve — The Modern Alternative to Business Loans for B2B Sellers

Resolve redefines B2B financing by combining non-recourse invoice advances with a complete accounts receivable automation platform. Spun off from Affirm in 2019 by former PayPal and Amazon executives, Resolve brings consumer fintech innovation to B2B commerce with a platform that manages the entire credit-to-cash cycle.

Key Features:

100% non-recourse financing with zero seller risk for approved invoices
AI-powered credit decisions in hours versus days
Net 30, 60, or 90-day payment terms for buyers
Up to 100% advance payment within 1-2 business days
Risk-based fees from 2.61-3.5% for Net 30 terms
Native integrations with QuickBooks, NetSuite, Shopify, and BigCommerce
White-label payment portal accepting ACH, wire, credit card, and check

Pricing Structure:

Flat fee of 2.61-3.5% for Net 30 terms with 100% advance
No monthly minimums, setup fees, or hidden charges
Fees scale with term length and risk profile
All cash advances are non-recourse—what you receive is always yours to keep

Resolve's platform eliminates the operational burden of managing accounts receivable while protecting cash flow. The AI-powered automation handles credit checks, invoicing, payment reminders, and collections, reducing manual work by 90% and reconciliation errors by 50%. Unlike traditional lenders, Resolve's underwriting focuses on buyer creditworthiness rather than seller financials, making it accessible to startups and businesses with limited credit history.

Recent case studies demonstrate significant impact: manufacturers report 5x revenue growth, distributors achieve 30% faster payment cycles, and B2B marketplaces see tripling of revenue after implementing Resolve's net terms solution.

The platform serves thousands of businesses across manufacturing, wholesale, and distribution sectors, with a 4.7/5 rating on G2. Resolve's experts—formerly of Amazon, PayPal, and Fortune 500 firms—deliver deeper credit insights than traditional bureaus, enabling confident extension of net terms to new customers.

How Resolve Supports B2B Growth

The B2B financing landscape has evolved dramatically in 2025, with businesses demanding solutions that address both capital needs and operational efficiency. While GoKapital serves businesses needing direct lump-sum capital, Resolve and six other alternatives stand out for their innovative approaches to working capital and receivables management.

According to the Small Business Administration, traditional business loan rates for qualified borrowers typically range from 6.7-11.5%, but fast-funding alternatives like GoKapital charge significantly more—15-45% APR—to compensate for higher risk and faster approval. This pricing gap has created opportunities for innovative models like Resolve's invoice-based financing that align costs with actual business transactions.

Research from the Federal Reserve's small business credit survey shows that 43% of small businesses report challenges with cash flow management, making solutions like Resolve's non-recourse advances increasingly valuable for B2B sellers managing extended payment terms.

2. Bluevine — Competitive Rates for Established Businesses

Bluevine offers lines of credit and term loans for established businesses with strong credit profiles. Founded in 2013 and headquartered in Redwood City, California, Bluevine has carved out a niche serving businesses that qualify for better rates than ultra-fast lenders but need more speed than traditional banks.

Platform Strengths:

Lines of credit up to $250,000
APR range of 14-95% based on credit profile
Funding in 1-3 days
Business credit building through reporting to credit bureaus
Instant funding option with Bluevine checking account
Limited invoice factoring capabilities

Eligibility Requirements:

Minimum 625 credit score
24+ months in business
$480,000+ annual revenue
Weekly payment structure that can strain cash flow

Bluevine's strength lies in serving established businesses that need revolving credit rather than invoice-based financing. The platform offers better rates for qualified businesses compared to many alternative lenders, though the weekly repayment structure can create cash flow challenges for some companies.

While Bluevine provides competitive financing for qualified borrowers, it still requires seller credit evaluation and maintains full borrower liability for repayment. Businesses seeking to transfer customer payment risk or automate AR operations will need to look elsewhere.

3. Fundbox — Fast Funding for New Businesses

Fundbox specializes in providing capital to very new businesses that traditional lenders reject. With a minimum requirement of just 3 months in business and $30,000 annual revenue, Fundbox fills a critical gap for startups needing working capital before establishing extensive financial history.

Key Capabilities:

Lines of credit from $100-$250,000
Approval in minutes to 24 hours
Funding within 24 hours
12-24 week repayment terms
Transparent weekly fee structure

High-Cost Structure:

APR range of 36-99%
Fixed weekly payments that concentrate costs
Higher overall cost compared to many alternatives
Weekly fees starting around 1.7%

Fundbox's low barrier to entry makes it valuable for businesses in their first year of operation, but the high cost and short repayment terms create significant expense. The platform serves businesses needing small, short-term capital unrelated to specific invoices, making it complementary rather than competitive with invoice-based solutions like Resolve.

For B2B sellers with recurring invoicing, Fundbox's debt-based model doesn't address the fundamental challenge of managing customer payment risk and AR operations. However, for new businesses needing immediate capital before establishing B2B relationships, Fundbox provides a viable if expensive option.

4. Credibly — Working Capital for High-Risk Industries

Credibly occupies a niche serving businesses in industries that traditional lenders avoid. Founded in 2010 and headquartered in New York, Credibly provides working capital loans and merchant cash advances to businesses with challenging credit profiles or operating in high-risk sectors.

Platform Features:

Working capital loans and merchant cash advances
Higher APRs reflecting increased risk tolerance
Acceptance of businesses with lower credit scores
Flexible underwriting for non-traditional businesses
Approximately 24-hour approval timeline

Pricing Reality:

Higher APRs than many alternative lenders
Variable pricing based on risk profile
Borrower remains fully liable for repayment
No AR automation or operational support

Credibly's strength lies in serving businesses that other lenders reject, but this comes at a premium cost. The platform provides capital without addressing the operational challenges of managing receivables or the risk of customer non-payment. For B2B sellers specifically, Credibly offers no advantage in terms of integrated solutions or risk transfer.

Businesses should consider Credibly only when they need direct capital unrelated to specific invoices and have been rejected by other lenders due to credit challenges or industry risk factors.

5. Lendio — Marketplace Access to Multiple Lenders

Lendio operates as a lending marketplace rather than a direct lender, connecting businesses with over 75 different financing providers. Founded in 2011 and headquartered in Lehi, Utah, Lendio simplifies the process of comparing multiple loan options through a single application.

Marketplace Advantages:

Single application for multiple loan products
Access to SBA loans, term loans, and lines of credit
Potential to find better rates through competition
Educational resources for understanding options
Comprehensive comparison of loan types

Limitations:

Still requires traditional loan underwriting
No non-recourse options available
Borrower remains liable for all debt
No operational support for AR management
Marketplace model adds complexity without integrated solutions

Lendio's value lies in simplifying the search process for traditional financing, but it doesn't offer innovative solutions like non-recourse financing or AR automation. The platform connects businesses with the same types of debt products available directly from lenders, just with a streamlined application process.

For B2B sellers seeking to solve both capital and operational challenges, Lendio's marketplace approach doesn't address the fundamental need for integrated receivables management and risk transfer.

6. OnDeck — Established Online Lending Platform

OnDeck represents one of the original online business lenders, founded in 2007 and serving as a pioneer in the fintech lending space. The platform offers term loans and lines of credit with more established underwriting processes than newer competitors.

Platform Characteristics:

Term loans up to $250,000
Lines of credit up to $100,000
Funding timeline of 1-3 days
Established track record and brand recognition
Traditional debt-based financing model

Traditional Limitations:

Requires 625+ credit score and 12+ months in business
Borrower maintains full repayment responsibility
No non-recourse options available
No AR automation or operational support
Higher costs than bank financing but lower than ultra-fast lenders

OnDeck's strength lies in its established reputation and reliable service, but it offers similar products to what traditional banks provide with faster approval. The platform serves businesses comfortable with traditional debt financing who need faster approval than banks offer but don't require the operational benefits of integrated AR solutions.

For B2B sellers specifically, OnDeck provides standard financing options without advantages in managing customer relationships, automating collections, or transferring payment risk.

7. Sunwise Capital — Flexible Business Financing

Sunwise Capital provides various business financing options including term loans, lines of credit, and equipment financing. The platform focuses on serving small to medium businesses with flexible requirements and fast approval processes.

Service Offerings:

Business term loans and lines of credit
Equipment financing and commercial mortgages
Fast approval and funding processes
Flexible underwriting for various business types
Relationship-based lending approach

Standard Debt Model:

Traditional debt financing with borrower liability
No non-recourse options available
No integrated AR automation platform
Pricing varies based on credit and collateral
Requires traditional financial documentation

Sunwise Capital represents a traditional alternative to GoKapital with similar product offerings. The platform provides capital without addressing the operational challenges that B2B sellers face in managing receivables and customer relationships.

Businesses should consider Sunwise when they need direct capital unrelated to specific invoices and prefer a relationship-based lending approach over purely algorithmic underwriting.

Why Integrated Solutions Are Transforming B2B Finance

The fundamental difference between Resolve and traditional lenders like GoKapital lies in their approach to solving business challenges. Traditional lenders provide debt capital that must be repaid regardless of customer payment behavior, while Resolve offers an integrated platform that addresses both capital needs and operational efficiency.

Total Cost of Ownership Analysis:

For a B2B manufacturer needing $100,000 in working capital, the estimated 1-year TCO comparison reveals dramatic differences:

Resolve: Approximately $2,610-$3,500 (flat fee includes AR automation, collections, and risk transfer)
GoKapital: Estimated $45,000-$106,000+ (financing fees plus separate AR software, collections labor, and bad debt costs)
Bluevine: Estimated $44,000-$156,000+ (similar cost structure to GoKapital)

This cost advantage stems from Resolve's all-in-one platform that eliminates the need for separate AR software (averaging $3,000-6,000 annually), reduces collections labor costs (averaging $25,000-50,000 annually), and eliminates bad debt write-offs (averaging $2,000-5,000 annually for typical 2-5% default rates).

Operational Impact:

Beyond cost savings, Resolve's integrated approach delivers significant operational benefits:

90% reduction in reconciliation time
50% reduction in manual errors
1-2 day payment cycles versus 45-60+ day industry averages
20% YoY sales growth through competitive net terms offerings

These benefits compound over time, creating sustainable competitive advantages that pure capital providers cannot match.

Choosing the Right Solution for Your Business

The optimal choice depends on your specific business model, operational needs, and risk tolerance:

B2B Sellers with Recurring Invoicing: Resolve is purpose-built for businesses that invoice customers regularly, offering non-recourse financing, AR automation, and embedded net terms that increase sales while protecting cash flow.

Businesses Needing Non-Invoice Capital: For equipment purchases, real estate investments, or general working capital unrelated to specific invoices, traditional lenders like GoKapital may be more appropriate.

Very New Businesses (<12 months): Fundbox's low time-in-business requirements make it suitable for startups before they establish B2B relationships and invoicing patterns.

Established Businesses with Strong Credit: Bluevine offers better rates than ultra-fast lenders for businesses that qualify, though still requires traditional debt repayment.

High-Risk Industry Businesses: Credibly and GoKapital accept businesses in industries that traditional lenders avoid, though at premium costs.

Many successful businesses use both approaches: Resolve for managing receivables and offering net terms to customers, plus traditional financing for capital expenditures and expansion projects unrelated to specific invoices.

Frequently Asked Questions

What are common alternatives to GoKapital for small business funding?

Common alternatives include Resolve for B2B invoice-based financing, Bluevine for lines of credit with competitive rates, Fundbox for new businesses with minimal operating history, and Credibly for high-risk industries. The best choice depends on whether you need invoice-based financing (Resolve) or direct capital unrelated to specific invoices (traditional lenders).

How does a modern B2B payments platform differ from traditional factoring?

Unlike traditional factoring, Resolve offers 100% non-recourse financing with transparent flat fees (2.61-3.5%) versus factoring's 5-20% discounts. Modern platforms maintain your customer relationships through white-label portals while automating collections, whereas factoring often requires notifying customers and transferring collection responsibility. Resolve also provides native integrations for automatic reconciliation.

Can Resolve help my business with managing net payment terms and accelerating cash flow?

Yes, Resolve specializes in helping B2B sellers offer net terms while getting paid in 1-2 days. The platform advances up to 100% on approved invoices, manages credit assessment and collections, and provides a branded payment portal for customers. This allows you to offer competitive Net 30/60/90 terms that increase sales while maintaining healthy cash flow.

What kind of credit checks does Resolve perform, and how quickly are results available?

Resolve uses proprietary AI models that evaluate thousands of buyer data points to generate credit decisions within 24 hours. The platform requires only your customer's business name and address—no forms or customer interaction needed. Resolve's experts, formerly of Amazon, PayPal, and Fortune 500 firms, deliver deeper credit insights than traditional bureaus.

Are there any upfront costs or hidden fees associated with Resolve's services?

Resolve charges transparent flat fees ranging from 2.61-3.5% for Net 30 terms with 100% advance, with no setup fees, monthly minimums, or hidden charges. Credit card fees are passed on to your buyer through the online payment portal, and all cash advances are non-recourse—what you receive is always yours to keep.

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.