Jifiti Lending Alternatives: The Best B2B Financing Solutions for Businesses and Buyers

While Jifiti provides embedded lending solutions for B2B commerce, modern businesses are discovering superior alternatives that offer faster implementation and AI-powered underwriting.

Resolve offers non-recourse financing with instant credit decisions and next-day payouts, transforming how B2B companies manage cash flow. The embedded finance market continues to grow rapidly as businesses seek seamless financing solutions integrated directly into their payment workflows.

Key Takeaways

Non-recourse financing reduces merchant risk: Resolve's non-recourse financing model provides up to 100% advance on approved invoices, protecting merchants from customer default liability
AI underwriting delivers instant decisions: Modern platforms provide credit decisions in seconds compared to traditional lengthy processes, with proprietary AI evaluating thousands of data points for accurate risk assessment
Implementation happens in days, not months: Resolve integrates with existing ecommerce and accounting systems quickly, critical for businesses needing rapid market entry
Embedded payments represent the future: B2B buyers increasingly expect financing options similar to consumer BNPL at checkout, making embedded solutions essential for competitive businesses
Cash flow acceleration is immediate: Resolve pays merchants within one day while customers receive 30, 60, or 90-day payment terms, addressing the core working capital challenge

The B2B payments landscape has evolved dramatically, with embedded finance becoming essential infrastructure for growing companies. This rapid adoption reflects businesses' need for seamless financing that doesn't compromise cash flow or introduce risk.

1. Resolve — The Risk-Free Alternative to Jifiti Lending

Resolve stands out as a premier alternative to Jifiti Lending by reducing merchant risk through its non-recourse financing model. Built by experts formerly from Amazon, PayPal, and Fortune 500 firms, Resolve brings deep credit expertise to B2B payments without the complexity of traditional lending platforms.

Key Features:

Non-recourse financing with reduced merchant risk
Instant credit decisions using proprietary AI underwriting
Flexible net payment terms including 30, 60, or 90 days
Up to 100% advance payment within one day
Transparent, risk-based fee structure
Integration with major platforms including QuickBooks NetSuite and Shopify
White-label payment portal maintaining merchant brand relationships

Pricing Structure:

Fees vary by risk and advance percentage; contact Resolve for pricing details
No monthly minimums or setup fees
Higher advance rates (100%, 75%, 50%) based on buyer risk profile
Custom pricing available for enterprise volumes

The platform's AI-powered automation reduces manual work by streamlining the entire net terms workflow from invoice to payment. Embedded lending accelerates sales cycles compared to traditional credit applications, while merchants often see higher average order values when offering flexible payment terms.

Unlike traditional financing models, Resolve maintains merchant control over customer relationships while handling credit assessment, underwriting, and collections. The platform offers free business credit checks requiring only a company name and address, with results delivered within 24 business hours.

2. Slope — AI-Powered B2B Payments with Institutional Backing

Slope represents a modern B2B payments platform with strategic backing from major financial institutions. Founded by Y Combinator alumni, Slope leverages AI technology to provide fast credit decisions and flexible payment terms for B2B transactions.

Platform Strengths:

Can deliver rapid approval decisions using advanced AI underwriting
Cash flow analysis beyond traditional credit scores
Net 30, 60, and installment payment options
Enterprise-grade security and compliance infrastructure
Custom API integrations for complex business requirements

Pricing Model:

Custom pricing based on volume, risk, and terms
No published standard rates; requires direct consultation
Volume-based discounts available for high-volume merchants
Implementation fees may apply for complex integrations

Slope's technology evaluates real business performance through cash flow underwriting rather than relying solely on credit bureau data. This approach enables more accurate risk assessment and higher approval rates for businesses that might be overlooked by traditional lenders. However, as a newer platform, Slope may not yet offer the same level of integration depth or merchant support as more established solutions.

3. Balance — Developer-First B2B Payment Infrastructure

Balance distinguishes itself through a developer-centric approach that simplifies B2B payments integration. Backed by major venture capital firms, Balance provides comprehensive payment infrastructure for modern businesses.

Core Capabilities:

Self-serve checkout supporting multiple payment methods
Credit cards, ACH, wire transfers, checks, and net terms
Rapid implementation through extensive API library
300+ APIs for custom integration scenarios
Hosted checkout options requiring minimal development
Multi-currency support for international transactions

Fee Structure:

Custom pricing based on transaction volume and complexity
Interchange-plus optimization to reduce processing costs
Next-day merchant payouts for approved transactions

Balance excels particularly in marketplace and platform environments where developer experience and flexible integration options are paramount. The platform's focus on technical implementation makes it ideal for businesses with strong development resources, though merchants seeking more hands-on support may prefer alternatives with dedicated implementation teams.

4. Versapay — Accounts Receivable Automation Specialist

Versapay takes a focused approach by concentrating exclusively on accounts receivable automation rather than credit extension. Versapay serves thousands of customers with collaborative AR management tools.

Key Features:

Strong customer portal adoption rates
AI-powered cash application with automated matching
Real-time dispute resolution and management
Native ERP integrations including NetSuite and Dynamics 365
Automated payment reminders and collections workflows
Level 2/3 credit card processing optimization

Pricing Approach:

Subscription-based model with tiered pricing
Custom pricing based on business size and transaction volume
Additional transaction fees for payment processing

Versapay's strength lies in AR automation efficiency rather than credit risk management. Businesses specifically seeking net terms financing would need to pair Versapay with a separate credit solution. However, for companies wanting to optimize their existing receivables management without extending additional credit, Versapay offers robust automation capabilities.

5. Bill.com — Comprehensive AP/AR Automation Platform

Bill.com has built a substantial B2B payment network serving hundreds of thousands of businesses. The publicly traded company provides end-to-end accounts payable and receivable automation beyond basic credit extension.

Network Benefits:

Automated invoice processing with optical character recognition
Customizable approval workflows and authorization rules
Offers access to working capital through partner programs
Two-way sync with major accounting platforms
Mobile application for remote approvals and management
Automatic vendor enrollment and network effects

Pricing Structure:

Subscription-based pricing varies by plan tier
Additional transaction fees for payment processing
Enterprise custom pricing for large organizations
Volume discounts available for high-transaction businesses

Bill.com's comprehensive approach may include features unnecessary for businesses focused specifically on net terms financing. However, companies seeking to replace multiple financial systems with a single platform may find Bill.com's breadth of functionality compelling. The network effect means vendors are automatically enrolled when paid, simplifying future transactions.

6. Fundbox — Quick Capital for Underserved Businesses

Fundbox provides accessible credit lines for small businesses that traditional lenders often overlook. Since 2013, the platform has provided billions in funding to hundreds of thousands of businesses.

Accessibility Features:

Rapid credit decisions with next-day funding
Credit lines ranging from $1,000 to $150,000
Flexible 12, 24, or 52-week repayment terms
Invoice advances available for qualified businesses
Personal guarantee typically required for credit lines
Simple application process with minimal documentation

Cost Considerations:

High effective APR (often 35% or higher)
Fees vary by term length and risk
Weekly payment structure with amortized fees
Late payment penalties and additional charges

While expensive compared to alternatives like Resolve, Fundbox provides critical funding when traditional options aren't available. The transparent fee structure, despite high costs, offers clarity for businesses that can manage the expense and need immediate working capital.

Making the Right Choice for Your Business

For B2B companies evaluating Jifiti Lending alternatives, the choice depends on your specific business needs, technical capabilities, and risk tolerance:

By Business Priority:

Risk elimination: Resolve (non-recourse financing, reduced merchant liability)
Technical integration: Balance (developer-focused, extensive APIs)
AR automation: Versapay (specialized receivables management)
Comprehensive financial automation: Bill.com (AP/AR end-to-end)
Quick access to capital: Fundbox (fast approval for underserved businesses)

Implementation Timeline Comparison:

Typically hours to days: Resolve (with existing platform integrations)
Typically 1-3 days: Balance (developer-led implementation)
Typically 1-2 weeks: Slope (standard enterprise setup)
Typically 2-4 weeks: Versapay and Bill.com (including system integration)
Same day: Fundbox (credit line approval, not payment infrastructure)

Cost Transparency Reality:

Resolve offers transparent pricing with no monthly minimums, contrasting with subscription-based models that may require significant upfront investment regardless of transaction volume. For businesses offering net terms to customers, Resolve's non-recourse model enables flexible payment terms without financial risk.

The Future of B2B Embedded Finance

The shift toward embedded B2B financing reflects fundamental changes in business expectations and technology capabilities. Traditional business loan applications often take weeks for approval, while embedded solutions often provide decisions in minutes rather than weeks. This dramatic improvement in speed enables businesses to respond to opportunities in real-time.

Businesses offering embedded lending often see higher average order values compared to those without financing options. Additionally, merchants implementing embedded lending solutions frequently report increased customer retention rates, demonstrating the strategic value beyond immediate cash flow benefits.

For businesses seeking to implement modern B2B financing without compromising cash flow or introducing risk, Resolve's B2B payments platform represents a compelling solution, combining non-recourse protection, transparent pricing, and seamless integration with existing business systems.

Frequently Asked Questions

What is the difference between recourse and non-recourse financing?

Recourse financing holds the merchant liable if customers fail to pay, meaning the lender can recover funds from the merchant. Non-recourse financing transfers this risk to the financing provider. Resolve offers non-recourse financing that protects merchants from customer defaults, providing up to 100% invoice advances without merchant liability. This approach differs significantly from traditional factoring, which often maintains recourse requirements.

How does AI-powered underwriting improve credit decisions?

AI-powered underwriting analyzes thousands of data points in real-time, including cash flow patterns, payment history, and business performance metrics beyond traditional credit scores. This technology enables instant credit decisions that would take traditional lenders days or weeks to complete. Modern net terms solutions leverage AI to approve more businesses while maintaining accurate risk assessment, expanding access to working capital for growing companies.

What are typical fees for B2B net terms financing?

B2B net terms financing fees vary significantly by provider, risk level, advance percentage, and payment terms. Non-recourse solutions typically charge 2-4% for 30-day terms with full advance, while traditional factoring may charge 5-15% or more with additional fees. According to industry research, factoring costs can accumulate quickly for longer payment cycles. Transparent providers disclose all fees upfront with no hidden charges or monthly minimums.

How quickly can embedded finance solutions be implemented?

Implementation speed depends on business complexity and existing technology infrastructure. Solutions with pre-built integrations to platforms like QuickBooks, NetSuite, and Shopify can often be deployed within hours to days. Custom API integrations may require 1-2 weeks for developer-led implementation. Traditional enterprise finance system replacements typically take 2-4 weeks or longer including data migration, training, and testing phases.

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.