While Kapitus has provided $5 billion in funding to 50,000 businesses since 2006, modern B2B companies increasingly seek alternatives that offer non-recourse financing, transparent flat-fee pricing, and AI-powered underwriting without the complexity of traditional factoring. From Resolve's risk-free net terms to specialized invoice financing platforms, these alternatives deliver the working capital solutions businesses need with faster implementation and better merchant protections.
Resolve stands out as the premier Kapitus alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Built by experts formerly of Amazon, PayPal, and Fortune 500 firms, Resolve combines embedded credit expertise, embedded invoice financing, and embedded payments into a single platform that serves as your "credit team on tap."
Key Features:
Pricing Structure:
The platform's AI-powered automation reduces manual AR work, while its automated invoicing workflow automatically syncs transactions across systems. Resolve's proprietary AI models evaluate thousands of buyer data points to generate dynamic, scalable credit decisions in real time, enabling businesses to extend purchasing power to their customers without traditional revenue requirements.
Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating collections burden and credit risk. The platform currently serves thousands of businesses and offers free business credit checks with results within 24 business hours.
Specific Product Applications:
The B2B financing landscape has transformed dramatically in 2025, with non-recourse financing and AI-powered automation becoming essential for growing companies. While Kapitus maintains its position as an established multi-product lender, several alternatives stand out for their unique strengths and compelling value propositions that better serve modern B2B businesses.
Industry research shows that only an estimated 14.6% of small business loan applications are approved by big banks, while around 44% of SMBs don't apply at all because they fear denial. This creates a massive opportunity for modern financing platforms that can deliver faster, more accessible capital with better approval rates and transparent terms.
Bluevine represents a comprehensive digital banking alternative that combines business checking accounts with financing solutions. The platform has gained significant traction among small businesses seeking an all-in-one financial solution beyond Kapitus's fragmented product offerings.
Platform Strengths:
Competitive Pricing:
Bluevine's integrated approach appeals to businesses wanting to consolidate their banking and financing relationships. However, their financing products still carry personal liability and don't offer the non-recourse protection that modern B2B platforms like Resolve provide. The platform's focus on general business financing rather than B2B-specific net terms solutions limits its effectiveness for companies primarily seeking trade credit capabilities.
Lendio operates as a lending marketplace that connects small businesses with over 75 different lenders, including Kapitus itself. Rather than being a direct lender, Lendio functions as a broker that matches businesses with appropriate financing options based on their profiles.
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While Lendio provides access to multiple financing options through a single application, businesses still face the same approval challenges and personal liability requirements of traditional lenders. The marketplace model doesn't address the fundamental issues that drive businesses to seek Kapitus alternatives: slow approval times, low approval rates (only an estimated 14.6% from big banks), and lack of non-recourse options.
Fundbox occupies a distinct niche providing revolving lines of credit from $1,000 to $150,000 for small businesses that traditional lenders overlook. Since 2013, the platform has focused on serving businesses with lower revenue thresholds and more flexible credit requirements.
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Cost Structure:
Fundbox provides critical access to capital for businesses that can't qualify for traditional financing, but the costs can be significant for larger B2B operations. Unlike Resolve's non-recourse model, Fundbox financing typically requires personal guarantees and carries expense that can impact profitability.
OnDeck represents one of the original online lenders that helped pioneer alternative financing for small businesses. The publicly traded company offers term loans and lines of credit with relatively quick approval processes compared to traditional banks.
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While OnDeck offers faster approval than traditional banks, it still operates on a traditional lending model with personal liability and variable APRs that can be significantly more expensive than Resolve's transparent flat-fee structure. The platform doesn't specialize in B2B net terms or trade credit solutions, limiting its relevance for businesses specifically seeking to offer payment terms to their customers.
Credibly offers a broad range of financing products similar to Kapitus, including term loans, lines of credit, working capital advances, and merchant cash advances. The platform distinguishes itself with lower credit score requirements and flexible qualification criteria.
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Credibly's lower qualification thresholds make it accessible to businesses that can't meet traditional lending requirements, but like other alternative lenders, it doesn't offer the non-recourse protection or B2B-specific net terms capabilities that Resolve provides. The platform's focus on general business financing rather than embedded B2B payments limits its effectiveness for companies needing to manage trade credit relationships.
Fundera operates as a lending marketplace similar to Lendio but with a stronger emphasis on educational content and advisor support. Owned by NerdWallet, the platform connects small businesses with multiple lenders while providing guidance on financing options.
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Marketplace Limitations:
Fundera's educational approach helps businesses understand their financing options, but it doesn't solve the fundamental challenges that drive companies to seek Kapitus alternatives. The marketplace model still subjects businesses to traditional lending criteria with personal liability and variable rates, without the B2B-specific features needed for managing trade credit relationships.
Beyond these established alternatives, 2025 witnesses a fundamental shift toward embedded B2B finance solutions that integrate directly into existing business workflows. Analysts project strong double-digit growth for embedded lending through 2026
Resolve's Embedded Advantage:
This embedded approach reflects the reality that a significant percentage of small business owners have no strong preference for where they get loans, and businesses increasingly expect financing to be integrated directly into their existing platforms rather than requiring separate applications and relationships.
For B2B companies evaluating Kapitus alternatives, the choice depends on your specific needs, risk tolerance, and business model:
By Business Model:
Critical Selection Criteria:
Why Resolve Leads for B2B Net Terms:
For businesses specifically seeking to offer net terms to their customers while protecting cash flow, Resolve provides unmatched advantages:
The platform's focus on B2B-specific challenges—managing trade credit risk, maintaining customer relationships, and accelerating cash flow without personal liability—makes it the superior choice for businesses that view financing as a strategic growth tool rather than just emergency funding.
Kapitus operates as a traditional multi-product lender offering various financing types with personal liability and variable rates, while Resolve specializes in B2B net terms with 100% non-recourse financing. Resolve advances up to 100% of approved invoices within 24 hours while taking on all credit risk, collections, and late payment risk. Unlike Kapitus's general lending approach, Resolve integrates directly into your existing ecommerce and accounting systems with white-label payment portals that preserve customer relationships.
Traditional factoring often advances 70–90% of invoice value, with fees commonly quoted per 30 days (e.g., ~1–5% per 30 days), plus additional charges in some cases, and typically requires selling invoices to the factor. Resolve offers advance rates of 50%, 75%, or 100% based on buyer risk with transparent flat fees of around 2.61% to 3.5% for 30-day terms. Most importantly, Resolve's non-recourse model means you keep 100% of advances regardless of customer payment, while maintaining control over customer relationships through white-label payment portals.
Resolve's qualification is based on your customers' creditworthiness rather than your own revenue or credit history. The platform requires only your customer's business name and address to provide free credit checks with results within 24 hours. This customer-focused underwriting model enables startups and newer businesses to offer net terms to qualified buyers without traditional revenue requirements, addressing the reality that around 44% of SMBs don't apply for financing due to fear of rejection.
Resolve offers transparent flat-fee pricing—often up to 3.5% for 30-day net terms with 100% advance; actual fees vary by buyer risk and program. This compares favorably to traditional alternative lenders whose APRs typically range from 14% to 99%. Resolve's fees are clearly disclosed upfront with no hidden charges, monthly minimums, or setup fees. Credit card fees are passed on to buyers through the online payment portal, and all ACH and wire transfers are included in the standard pricing.
Resolve advances up to 100% of approved invoices within 24 hours of billing, with credit decisions delivered in under 24 hours using only customer business name and address. Some ecommerce purchases up to $25,000 qualify for instant approvals. Traditional lenders like Kapitus typically require several days to weeks for approval and funding, creating cash flow gaps that can impact business operations.
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.