While Kiva offers an admirable 0% interest microloan model for startups and micro-entrepreneurs, growing B2B businesses need more sophisticated solutions that address their unique challenges: extending net terms to customers, managing accounts receivable efficiently, and accelerating cash flow without taking on debt. For businesses operating in the B2B space, Resolve's net terms platform provides a superior alternative that transforms how companies manage their entire credit-to-cash lifecycle.
Resolve emerges as the premier Kiva alternative for B2B businesses by addressing the fundamental challenge that Kiva doesn't solve: enabling companies to extend credit to their customers while eliminating risk and accelerating cash flow. Spun from Affirm in 2019 by former Amazon and PayPal executives, Resolve brings sophisticated fintech innovation specifically to the B2B payments space.
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The platform's AI-powered AR automation reduces manual work by approximately 90%, while its proprietary underwriting evaluates business customers using multiple data signals beyond traditional credit scores. Approval rates vary by buyer profile and underwriting, significantly higher than traditional lenders. Recent customer success stories demonstrate significant impact: some businesses report faster order processing and improved cash flow, with reduced exposure to customer non-payment on approved transactions.
Resolve maintains merchant control over customer relationships while handling the entire credit lifecycle. The platform currently serves over 15,000 businesses and has processed significant B2B volume with backing from Initialized Capital and Commerce Ventures.
Accion Opportunity Fund represents the leading Community Development Financial Institution (CDFI) alternative to Kiva, offering larger loan amounts with business coaching support. Founded in 1991, this national organization serves most US states with a focus on underserved populations including minority and immigrant entrepreneurs.
According to the U.S. Small Business Administration, CDFIs play a crucial role in providing access to capital for underserved communities, filling gaps that traditional banks often leave behind.
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Accion excels for entrepreneurs who need both capital and guidance, particularly those who have been rejected by traditional banks. The coaching component provides valuable business education that Kiva doesn't offer. However, the interest rates, personal guarantee requirements, and longer approval timelines make it better suited for businesses with different needs than those requiring immediate working capital solutions.
LiftFund operates as a regional CDFI serving 15 states primarily in the South and Southwest, with a unique focus on credit-building for future bank financing. Founded in 1994, the organization combines financing with education programs designed to graduate borrowers to traditional banking relationships.
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LiftFund's unique value lies in its educational component and credit-building focus, making it ideal for startups in its service area who view the loan as a stepping stone to traditional bank financing. The regional limitation and slower funding timeline make it better suited for businesses with different operational needs.
Grameen America offers a unique women-only microlending model inspired by Nobel laureate Muhammad Yunus's original Grameen Bank. Operating in 29 US cities, the organization uses a group accountability approach with weekly meetings and peer support.
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Grameen America's community support model provides unique social capital and accountability that traditional lenders don't offer. For women entrepreneurs who value peer support and need small initial capital, this can be an excellent option. However, the women-only restriction, small loan amounts, geographic limitations, and time commitment make it designed for a specific audience.
Fundbox occupies a distinct niche as a fintech platform providing quick invoice financing for small businesses that need immediate working capital. Since 2013, the platform has provided billions in funding to hundreds of thousands of businesses.
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Fundbox's primary advantage is speed—3-minute approval versus Resolve's 24-hour standard or Kiva's 30-60 day crowdfunding timeline. For true emergencies where cost is secondary to immediate cash availability, Fundbox can be viable.
For businesses evaluating alternatives to Kiva, understanding the broader context of B2B payment terms is essential. According to industry research, small businesses often struggle with the gap between extending credit to customers and maintaining their own cash flow.
Traditional net terms (payment due in 30, 60, or 90 days) create a fundamental tension: customers expect flexibility, but businesses need cash to operate. This challenge becomes particularly acute for growing B2B companies that can't afford to wait months for payment while still covering payroll, inventory, and operational expenses.
The microloan model that Kiva pioneered serves an important purpose for micro-enterprises and startups needing one-time capital injections. However, B2B companies face a recurring challenge that requires a different solution—one that scales with their invoice volume and protects against credit risk.
Modern B2B payment solutions address this by separating the buyer's payment timeline from the seller's cash flow needs. When a B2B platform advances payment immediately while allowing customers extended terms, it solves both sides of the equation: buyers get the purchasing power they need, and sellers get immediate working capital.
The optimal Kiva alternative depends entirely on your specific business situation, needs, and goals:
Choose Resolve when you need:
Choose Kiva when you need:
Choose Accion/LiftFund when you need:
Choose Grameen America when you need:
Choose Fundbox when you need:
For a B2B business processing approximately $500,000 in annual invoices, the total cost of ownership reveals significant differences:
Resolve:
Kiva:
Accion (estimated 15% APR on $50,000 loan):
Fundbox (estimated 30% APR on $50,000 advance):
The analysis demonstrates that for B2B businesses with recurring invoice needs, platforms designed specifically for accounts receivable management can deliver value through operational efficiency gains and risk elimination.
Kiva provides 0% interest microloans up to $15,000, and funding often takes several weeks depending on fundraising. Resolve offers B2B net terms financing that enables businesses to extend credit to their customers while receiving immediate payment, with 24-hour funding, non-recourse protection, and full AR automation. Kiva is ideal for micro-businesses needing one-time capital; Resolve is designed for B2B companies managing ongoing customer credit relationships.
Offering net terms can significantly increase average order value and drive substantial year-over-year sales growth, as customers can purchase larger quantities when they don't need immediate payment. However, traditional net terms create cash flow gaps and bad debt risk. Resolve's platform addresses these challenges by advancing up to 100% of invoice value within 24 hours while taking on all credit risk, allowing businesses to confidently offer terms without financial exposure.
Resolve’s non-recourse structure generally means you’re protected from buyer non-payment on approved, non-disputed invoices, so you’re not repaying the advance solely due to a buyer default. This eliminates bad debt exposure entirely, unlike recourse financing options where you remain liable. The only requirement is that your customer passes Resolve's credit underwriting, which has a 90%+ approval rate using sophisticated AI models that evaluate business performance beyond traditional credit scores.
Crowdfunding through Kiva works best for micro-businesses with strong social networks who need $1,000-15,000 in one-time capital and can wait 30-60 days for funding. Traditional loans from CDFIs like Accion are better for established businesses ($50K+ revenue, 12+ months operating) who need larger amounts ($25K-250K) and value business coaching. B2B companies with recurring invoice needs and customers who can pass credit checks are ideally suited for Resolve's platform, which provides scalable, risk-free financing that grows with revenue.
Resolve's AI-powered underwriting analyzes thousands of data points in real-time, delivering credit decisions in 24 hours (often instantly) with 90%+ approval rates. This contrasts with traditional underwriting that relies primarily on credit scores and takes days or weeks. For accounts receivable, AI automation can significantly reduce manual work, handling invoicing, payment reminders, collections, and reconciliation automatically. This frees up substantial time for finance teams while reducing Days Sales Outstanding (DSO) through immediate advance payments.
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.