While Lending Valley provides direct working capital through merchant cash advances and term loans, modern B2B companies are discovering superior alternatives that address their real need: offering net terms to customers while getting paid immediately. Resolve's Net Terms platform eliminates credit risk entirely while accelerating cash flow—transforming how businesses grow without the high costs of traditional lending.
The B2B payments landscape has evolved significantly in recent years, with businesses recognizing that offering net terms to customers is often more valuable than taking on expensive debt. According to the U.S. Small Business Administration, understanding the difference between extending credit to customers and borrowing for operations is fundamental to healthy cash flow management.
Traditional lending products like merchant cash advances address working capital needs by providing direct funding to your business—but at a significant cost. The Federal Reserve's small business credit survey shows that high-cost financing options often trap businesses in debt cycles, with factor rates that can exceed 100% APR when annualized.
Modern B2B payment platforms take a different approach. Instead of lending to your business, they enable you to extend credit to your customers while eliminating the associated risks. This fundamental difference transforms the relationship from debt-based financing to revenue-enabling infrastructure. The U.S. Treasury's guidance on working capital emphasizes that businesses maintaining healthy cash flow through efficient receivables management typically outperform those relying on debt financing.
While Lending Valley serves businesses needing immediate working capital despite high costs, modern alternatives like Resolve address the root cause of cash flow problems by enabling risk-free credit extension to your buyers.
Resolve stands out as the premier alternative by completely eliminating merchant risk through its non-recourse financing model. Developed in PayPal co-founder Max Levchin's venture studio and spun out from Affirm in 2019, Resolve brings consumer fintech innovation to B2B payments with a focus on simplicity and embedded finance.
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The platform's AI-powered reconciliation reduces manual work by 90%, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating collections burden and bad debt risk.
Recent success stories demonstrate significant impact: businesses have achieved 5x revenue growth and tripled their revenue by offering net terms without credit risk. The platform currently serves over 15,000+ businesses with backing from Initialized Capital and Commerce Ventures.
For B2B sellers wanting to increase sales while protecting cash flow, Resolve provides the complete solution: automated credit checking, instant approvals, advance payments, and professional collections—all while preserving your customer relationships through branded experiences.
BlueVine represents the best alternative to Lending Valley's expensive merchant cash advances for businesses needing direct working capital. With starting rates around 7.80%, BlueVine offers significantly lower costs than Lending Valley's MCA factor rates of 1.14-1.48 (equivalent to 15-140% APR).
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While BlueVine requires stronger credit qualifications than Lending Valley's MCA products, the dramatic cost savings make it worth pursuing credit improvement. For businesses that can qualify, BlueVine provides the best balance of speed, cost, and flexibility in the alternative lending space.
OnDeck offers a middle ground between traditional bank lending and high-cost merchant cash advances. As one of the longest-standing alternative lenders (founded in 2006), OnDeck provides established processes for businesses that need working capital but want to avoid Lending Valley's extreme MCA costs.
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OnDeck represents a reasonable alternative for businesses that need working capital but can't qualify for BlueVine's lowest rates. The platform's established reputation provides more predictability than newer MCA providers.
Fundbox occupies a unique niche by connecting directly to your accounting software to provide credit lines based on outstanding invoices. Since 2013, Fundbox has served hundreds of thousands of businesses, focusing on invoice-based lending rather than general working capital.
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Fundbox works best for businesses with strong invoice portfolios and accounting software integration. While not as low-cost as BlueVine, Fundbox provides more flexibility than term loans and better terms than merchant cash advances.
TreviPay serves a different need than Lending Valley but represents an alternative approach to B2B credit extension. As an established enterprise trade credit network, TreviPay focuses on large-scale implementations for Fortune 500 suppliers and global enterprises.
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TreviPay excels for large enterprises with global operations and established buyer relationships, but smaller and mid-market businesses often find Resolve's faster implementation and e-commerce focus more practical.
Balance specializes in B2B net terms for e-commerce marketplaces and online transactions. As a fintech company backed by leading investors, Balance has built a developer-first platform that makes B2B payments as simple as consumer transactions.
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Balance represents a solid choice for pure e-commerce B2B marketplaces, while Resolve offers a more comprehensive solution for businesses with both online and offline sales channels.
Bill.com takes a fundamentally different approach by focusing exclusively on accounts receivable and accounts payable automation rather than credit extension. Processing billions annually, Bill.com serves hundreds of thousands of business customers with comprehensive back-office automation.
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Bill.com excels for businesses wanting pure automation without financing needs, but companies requiring credit risk offload should consider Resolve's integrated approach.
The key insight from evaluating Lending Valley alternatives is understanding your actual business need:
If you need to offer net terms to customers without credit risk:
If you need working capital for operations:
Hybrid Approach:
Many successful businesses use both strategies: Resolve for net terms to drive sales without risk, and BlueVine for operational working capital at reasonable rates. This combination maximizes growth while minimizing financing costs.
For companies seeking expert guidance on B2B payment platform selection, Resolve's team provides hands-on support through dedicated account management and technical integration assistance.
Resolve Pay and Lending Valley serve fundamentally different business needs. Resolve helps you offer net terms to your B2B customers while getting paid immediately—acting as your credit team with non-recourse financing. Lending Valley provides direct working capital to your business through merchant cash advances and term loans, putting all credit risk on you. Choose Resolve to grow sales by offering customer credit without risk; choose Lending Valley only if you need operational capital and can't qualify for lower-cost alternatives.
Resolve's transparent fees range from 2.61-3.5% per month for net terms financing, while Lending Valley's merchant cash advances use factor rates of 1.14-1.48 (equivalent to 15-140% APR). For a $75,000 financing need over 12 months, this translates to approximately $2,000-$2,600 monthly with Resolve versus estimated $5,250-$10,500 monthly with Lending Valley MCA—a potential savings of $38,000-$90,000 annually.
Yes, Resolve Pay addresses a different need than business loans. Instead of borrowing money for operations, Resolve enables you to offer net terms to customers while getting paid immediately—effectively eliminating the cash flow gap that often drives businesses to seek loans. Many companies find that offering net terms increases sales volume and customer retention, reducing the need for working capital loans altogether. For operational capital needs that remain, lower-cost alternatives like BlueVine (rates as low as 7.8%) are preferable to high-cost MCA providers.
Resolve Pay implementations typically complete quickly for basic setup, with full integration taking around 30 days. This compares favorably to traditional enterprise solutions like TreviPay that require 3-6 months for implementation. The fast deployment is possible through pre-built integrations with platforms like Shopify, BigCommerce, WooCommerce, QuickBooks, and NetSuite, allowing businesses to start offering net terms with minimal technical overhead.
With Resolve's non-recourse financing, you face zero liability if approved customers don't pay on non-disputed invoices. Resolve assumes the credit risk of late payments or defaults, manages collections professionally, and absorbs losses if customers default. This eliminates bad debt write-offs from your balance sheet and removes the collections burden from your team, allowing you to focus on growing sales rather than managing credit risk.
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.