Honeycomb Credit Alternatives

While Honeycomb Credit connects Main Street businesses with community investors for growth capital, B2B companies have more sophisticated financing needs that demand modern solutions. For wholesale, distribution, and manufacturing businesses seeking to offer net terms while protecting cash flow, Resolve's AI-powered platform provides a superior alternative that eliminates risk and accelerates revenue.

Key Takeaways

• Resolve eliminates merchant risk: Unlike traditional financing, Resolve offers non-recourse financing with zero merchant liability for customer defaults
• Faster cash flow without external investment: Resolve advances up to 100% on invoices within 24 hours, reducing the need for crowdfunding campaigns
• AI-powered underwriting: Proprietary models evaluate thousands of data points for instant credit decisions, automating credit assessments traditionally handled through manual investor vetting
• B2B specialization: While Honeycomb focuses on consumer-facing Main Street businesses, Resolve is built specifically for B2B commerce with seamless platform integrations
• Transparent, predictable costs: Resolve's fees are clearly defined—typically 2.61–3.5% for 30-day terms based on credit risk versus the variable costs and campaign management overhead of crowdfunding platforms
• Maintains customer relationships: White-label payment portals preserve your brand while Resolve handles credit risk, collections, and payment processing

1. Resolve — The Modern Alternative for B2B Businesses

Resolve stands as the premier alternative to Honeycomb Credit for B2B businesses, offering a comprehensive platform that addresses the core challenges of trade credit without the complexity of crowdfunding campaigns. While Honeycomb connects businesses with retail investors for growth capital, Resolve provides immediate, risk-free working capital through non-recourse invoice advances by advancing payment on approved invoices while taking on all credit risk.

Why B2B Businesses Choose Resolve Over Crowdfunding:

B2B companies operate in a fundamentally different landscape than Main Street retail businesses. They need to offer net terms (30, 60, or 90 days) to remain competitive, but this creates cash flow gaps that crowdfunding isn't designed to solve. According to the U.S. Small Business Administration, managing accounts receivable and cash flow represents one of the most significant challenges for growing B2B enterprises.

The B2B payment landscape has evolved significantly, with industry research showing that over 80% of B2B transactions involve some form of trade credit or net payment terms. This creates a unique working capital challenge that traditional crowdfunding platforms cannot address. Resolve's platform is purpose-built for B2B commerce, providing instant credit decisions, immediate cash advances, and comprehensive accounts receivable automation.

Key Features and Benefits:

• Non-recourse financing with zero merchant risk - Resolve takes on the credit assessment, credit decision, and majority risk of late payments or defaults
• Advance pay up to 100% on approved invoices within 24 hours
• Instant credit decisions using proprietary AI models that evaluate thousands of buyer data points
• AI-powered AR automation that reduces manual work by automating payment reminders, collections, and reconciliation
• White-label payment portal accepting ACH, credit card, wire, or check while preserving your brand
• Seamless integration with QuickBooks and Shopify, BigCommerce, Magento, and other leading platforms
• Free business credit checks requiring only company name and address

Transparent Pricing Structure:

Resolve's fees are straightforward and predictable:

• Up to 3.5% on 30-day net terms with 100% advance
• Risk-based advance rates of 100%, 75%, or 50% depending on buyer creditworthiness
• No monthly minimums, setup fees, or hidden charges
• Credit card fees passed directly to buyers through the payment portal

Real Business Impact:

Resolve's platform transforms B2B commerce by enabling businesses to offer competitive net terms while receiving immediate payment. This eliminates the cash flow gaps that often force B2B companies to seek external financing through platforms like Honeycomb Credit. Recent case studies demonstrate significant results:

• Companies achieve 30-60% faster payment compared to traditional net terms
• Finance teams spend 50% less time managing receivables
• Credit checks complete 9x faster than traditional methods
• Businesses unlock increased buyer purchasing power leading to larger orders and repeat purchases

Unlike crowdfunding platforms that require extensive campaign management and marketing efforts, Resolve operates seamlessly in the background. Your customers apply for net terms at checkout or through your existing sales process, and Resolve handles everything from credit assessment to payment collection. This allows you to focus on growing your business rather than managing investor relationships.

Resolve's team includes experts formerly from Amazon and PayPal and Fortune 500 firms who deliver deeper credit insights than traditional bureaus. As of 2025, the platform serves 12,000+ businesses and has processed hundreds of millions in B2B transactions globally, demonstrating reliability for wholesale, distribution, and manufacturing companies.

For B2B businesses considering Honeycomb Credit or similar crowdfunding platforms, Resolve offers a more direct, efficient, and specialized solution that addresses the unique challenges of B2B commerce while eliminating the need for external investment campaigns.

2. SMBX — Small Business Bonds Marketplace

SMBX operates as a Regulation Crowdfunding platform that allows Main Street businesses to raise capital by issuing bonds to retail investors. According to the SEC's guidance on Regulation Crowdfunding, this regulatory framework enables businesses to raise up to $5 million annually from both accredited and non-accredited investors. Unlike Resolve's B2B focus, SMBX caters to consumer-facing local businesses seeking growth capital.

Platform Overview:

SMBX enables businesses to issue bonds with typical interest rates of 6-10% and investor minimums as low as $10 per bond. The platform raised $4.9 million in 2024, demonstrating its position as an active Reg CF platform.

Key Differences from Resolve:

While SMBX provides access to community capital, it requires businesses to handle investor reporting and repayment schedules and make monthly payments to bondholders. SMBX doesn't offer the accounts receivable automation, instant credit decisions, or risk-free financing that Resolve provides for B2B transactions. For businesses needing working capital to manage existing receivables rather than growth capital for expansion, Resolve's platform is more directly applicable.

3. Kiva — 0% Interest Microloans

Kiva provides crowdfunded microloans up to $15,000 with 0% interest rates, serving as a nonprofit alternative for small businesses that may not qualify for traditional financing.

Platform Overview:

Kiva's model relies on community endorsements, requiring businesses to secure 5-35 initial backers before their loan goes public to the broader Kiva community. The platform reports a 96% repayment rate based on publicly available data and has facilitated over $1.7 billion in loans globally.

Key Differences from Resolve:

Kiva's microloan focus (maximum $15,000) and 0% interest structure serve a completely different market than Resolve's B2B net terms platform. While Kiva provides no-cost capital for small operational needs, it doesn't address the trade credit requirements of wholesale and distribution businesses. Resolve enables B2B companies to offer net terms to their customers while receiving immediate payment, creating a sustainable revenue model rather than taking on debt.

4. Funding Circle — Institutional SME Lending

Funding Circle represents a more traditional approach to small business lending, connecting established SMEs with institutional and accredited investors for loans up to $500,000. Research from the Federal Reserve on small business financing shows that alternative lending platforms like Funding Circle have become increasingly important sources of capital for businesses unable to secure traditional bank financing.

Platform Overview:

Founded in 2010 and operating globally, Funding Circle provides traditional underwriting with risk-based pricing. The platform requires a $25,000 minimum investment for individual investors, making it less accessible to retail investors compared to Honeycomb Credit.

Key Differences from Resolve:

Funding Circle operates as a direct lender rather than a crowdfunding platform, offering fixed-term business loans rather than community-based debt crowdfunding. For B2B businesses, Funding Circle's loans create additional debt obligations rather than solving the fundamental cash flow gap created by offering net terms to customers. Resolve's platform integrates directly into B2B commerce workflows, enabling businesses to grow sales through competitive payment terms while maintaining healthy cash flow.

5. Mainvest — Legacy Platform (Defunct)

Mainvest was a debt crowdfunding platform that shut down in June 2024, with Honeycomb Credit now servicing its legacy investor repayments.

Historical Context:

Mainvest operated under SEC Regulation Crowdfunding (Reg CF) until its 2024 closure similar to Honeycomb Credit, but case studies show businesses like Frisco's Chicken and Monkey Wrench Brewing raised significantly more capital through Honeycomb compared to Mainvest. Mainvest's closure highlights the importance of choosing established, sustainable platforms for business financing needs.

Relevance to B2B Businesses:

Mainvest's shutdown demonstrates the importance of selecting proven, long-term financing solutions. For B2B businesses requiring reliable financing solutions, Resolve's established track record serving over 12,000 businesses provides greater stability and security than emerging crowdfunding platforms.

Choosing the Right Alternative for Your Business

The choice between Honeycomb Credit alternatives depends on your business model, financing needs, and operational requirements:

For B2B Wholesale, Distribution, and Manufacturing:

Resolve is the clear choice, providing purpose-built solutions for B2B commerce that address the unique challenges of trade credit, accounts receivable management, and customer payment terms. Unlike crowdfunding platforms that require external capital raising, Resolve enables businesses to unlock working capital from their existing sales.

For Main Street Consumer-Facing Businesses:

SMBX, Kiva, or Funding Circle may be more appropriate, depending on loan size requirements, interest rate tolerance, and investor accessibility needs. These platforms provide growth capital for expansion, equipment purchases, or buildout projects.

Key Decision Factors:

• Business Model: B2B vs. B2C operations
• Financing Purpose: Working capital for receivables vs. growth capital for expansion
• Risk Tolerance: Non-recourse financing vs. debt obligations
• Operational Complexity: Integrated AR automation vs. investor relationship management
• Time Requirements: Instant implementation vs. campaign management timelines

For B2B businesses specifically, Resolve's platform eliminates the need for external financing campaigns by providing immediate working capital through invoice advances while taking on all credit risk. This creates a sustainable, scalable solution that grows with your business without the overhead of managing investor relationships or crowdfunding campaigns.

Frequently Asked Questions

How does Resolve compare to Honeycomb Credit for B2B businesses?

Resolve and Honeycomb Credit serve fundamentally different markets. Honeycomb connects Main Street businesses with community investors for growth capital through Regulation Crowdfunding campaigns. Resolve provides B2B businesses with non-recourse net terms financing that advances up to 100% on approved invoices within 24 hours. For B2B companies needing working capital to manage accounts receivable rather than growth capital for expansion, Resolve offers a more direct, efficient solution that eliminates merchant risk and integrates seamlessly into B2B commerce workflows.

Can Resolve help my B2B business avoid the need for crowdfunding platforms?

Yes, Resolve's platform is specifically designed to address the cash flow gaps that often drive B2B businesses to seek external financing. By advancing payment on invoices while taking on all credit risk, Resolve provides immediate working capital without requiring crowdfunding campaigns or external investment. This allows B2B businesses to offer competitive net terms to their customers while maintaining healthy cash flow for operations and growth.

What are the main advantages of Resolve's non-recourse financing over traditional lending?

Resolve's non-recourse financing eliminates merchant risk by handling all credit assessments, decisions, and default exposure on approved invoices. Unlike traditional loans that create debt obligations or crowdfunding platforms that require investor management, Resolve's platform provides working capital that is always yours to keep. The cash advances are non-recourse, meaning you face zero liability if customers default on their payments.

How quickly can I implement Resolve compared to launching a Honeycomb Credit campaign?

Resolve integrates with your existing systems in days rather than the weeks or months required to launch and manage a successful Honeycomb Credit campaign. With pre-built integrations for QuickBooks, Shopify, BigCommerce, and other platforms, Resolve can be operational quickly. Honeycomb Credit campaigns require extensive preparation, marketing, and ongoing management to achieve their 85% success rate.

Does Resolve provide the same community engagement benefits as Honeycomb Credit?

While Honeycomb Credit turns fundraising into marketing campaigns that engage local communities, Resolve focuses on B2B relationship enhancement through professional net terms offerings. Resolve's white-label payment portal preserves your brand while providing customers with flexible payment options. This professional approach to B2B commerce strengthens customer relationships through reliable credit terms rather than community investment engagement.

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.