Lendini Alternatives

While Lendini offers revenue-based financing for businesses, modern B2B companies are discovering superior alternatives that provide non-recourse financing, transparent pricing, and AI-powered underwriting. From Resolve's risk-free invoice advancement to Slope's institutional backing, these seven platforms deliver the working capital solutions businesses need without the complexity of traditional revenue-based models.

Key Takeaways

• Non-recourse financing eliminates merchant risk: Resolve provides non-recourse financing with the option to advance up to 100% of approved invoices, ensuring what you get is always yours to keep
• AI underwriting transforms approval speed: Modern platforms deliver credit decisions in seconds compared to traditional processes, with Resolve's Smart Credit Engine leading innovation in the space
• Transparent pricing replaces hidden fees: Resolve offers clear, risk-based fees starting at 2.61% on net terms, eliminating the unpredictable costs of revenue-based financing
• AR automation reduces manual work: Resolve's platform automates 80-90% of accounts receivable tasks through AI-powered workflows, significantly reducing days sales outstanding
• Buyer purchasing power increases: Businesses using Resolve see 30-60% purchasing power increase, driving larger orders and repeat business
• Integration happens in days, not months: Resolve integrates with leading platforms like QuickBooks, Shopify, and BigCommerce in hours to days, enabling rapid implementation

1. Resolve — AI-Powered Net Terms Without the Risk

Resolve stands out as the premier Lendini alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Spun off from Affirm in 2019 by founders Chris and Brian, Resolve brings consumer fintech innovation to B2B payments with a mission to enhance relationships while streamlining complex workflows.

Key Features:

• 100% non-recourse financing with zero merchant risk
• Instant credit decisions using proprietary AI underwriting
• Net 30, 60, or 90-day payment terms
• Up to 100% advance payment within one day
• Risk-based fees starting at 2.61% for 30-day terms
• QuickBooks integration and other leading platforms
• White-label payment portal maintaining brand control

Pricing Structure:

Resolve's transparent pricing model varies by advance percentage and risk profile. Examples include 2.61% for 30-day net terms and up to 3.5% when advancing the full invoice amount. Unlike many competitors, there are no monthly minimums, setup fees, hidden charges, or volume requirements. Credit card fees are passed directly to buyers through the payment portal, keeping costs predictable for sellers.

Operational Excellence:

The platform's AI-powered AR automation reduces manual work by 80-90%, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Recent case studies demonstrate significant impact: businesses have successfully consolidated vendors with Resolve Pay and achieved significant revenue growth. The platform serves over 12,000 businesses with backing from Initialized Capital and Commerce Ventures.

Seamless Credit Assessment:

Unlike traditional financing models, Resolve maintains merchant control over customer relationships while eliminating collections burden. The streamlined credit assessment requires only a customer's business name and address, delivering results within 24 hours. This frictionless process allows businesses to offer net terms and grow revenue without the administrative overhead of traditional credit evaluation.

According to Small Business Administration research, access to working capital remains one of the top challenges for growing B2B companies, making platforms like Resolve increasingly essential for competitive advantage.

2. Billie — Extended Payment Terms for European Markets

Billie represents a strong alternative for businesses operating in European markets, offering industry-leading payment terms that extend beyond typical net 30-60 day options. The German fintech has established itself as a European leader in B2B BNPL solutions.

Key Features:

• Industry-leading 14-120 day terms
• €100,000+ credit limits per buyer
• Coverage across Germany, Austria, Sweden, Netherlands, France, UK, and Switzerland
• 2-4% fees on flexible terms
• Major enterprise partnerships including Samsung and Contorion

Strategic Advantages:

Billie's Alibaba.com partnership announced in March 2024 expands its global reach significantly. The platform's European market dominance comes with multi-country regulatory compliance built-in. Extended payment terms (up to 120 days) directly compete with revenue-based financing models by offering flexibility without revenue-based repayment structures.

The platform's European focus makes it ideal for businesses with significant operations in European markets, though it doesn't serve the US market as comprehensively as Resolve. While Billie offers impressive term lengths and credit limits, businesses seeking comprehensive AR automation and integration with US-focused platforms may find Resolve's AI-powered platform more suitable.

3. Slope — AI-Powered Instant Approvals

Slope represents the cutting edge of B2B BNPL with massive institutional backing and AI-first technology. The platform has gained significant traction in the marketplace segment with its ultra-fast approval capabilities.

Advanced Capabilities:

• AI-powered approvals delivered in seconds
• 168% average increase in order values for merchants
• No personal guarantees required
• Developer-friendly API for marketplace integration
• Focus on instant BNPL checkout experience

Strategic Backing:

Slope has raised $252 million total across multiple funding rounds. The platform secured a $65 million investment from J.P. Morgan in July 2024, positioning it as a major player in the B2B BNPL space. This institutional backing provides stability and resources for continued innovation.

Slope's massive J.P. Morgan investment and AI-first approach represent the future of B2B BNPL. Its instant approval capability and marketplace focus differentiate it from revenue-based models like Lendini, offering a modern alternative for businesses needing speed over revenue-percentage repayment.

However, Slope focuses primarily on instant BNPL checkout rather than comprehensive AR automation. Businesses seeking end-to-end accounts receivable management may find Resolve's streamlined net terms and AR automation more comprehensive for their operational needs.

4. Balance — Marketplace-Native Platform

Balance has established itself as a strong alternative for B2B marketplaces and platforms, with substantial funding and marketplace-native design that differentiates it from retrofitted solutions.

Platform Strengths:

• Balance announced a $350M credit facility (Viola Credit) in addition to equity funding.
• Built specifically for B2B marketplaces
• Instant net terms and payout platform
• AI-powered credit management integrated with billing automation
• Backed by Y Combinator, Lightspeed Venture Partners, and SciFi VC

Market Position:

Balance's marketplace-native design differentiates it from retrofitted solutions. The platform combines payment flexibility with risk management in a transparent fee structure estimated in the typical 3-5% range. Its instant net terms capability directly competes with Lendini's revenue-based financing by offering payment flexibility without revenue-percentage repayment structures.

While Balance excels in the marketplace segment, businesses seeking comprehensive AR automation beyond marketplace payments may find Resolve's AI-powered AR platform more suitable for diverse B2B transaction types.

5. Fundbox — Accessibility for Early-Stage Businesses

Fundbox occupies a distinct niche providing accessible financing for businesses that might not qualify for more stringent requirements. Since 2013, the platform has provided substantial capital to hundreds of thousands of businesses.

Accessibility Features:

• $30,000 annual minimum (lower than competitors)
• $1,000-$250,000 credit lines available
• Automated approval with minimal documentation
• Fast funding with no collateral required initially
• Hundreds of thousands of businesses served since 2013

Cost Structure:

Fundbox charges estimated 4.99%-~8.99% for 12-24 week terms. This higher cost structure makes it more suitable for one-time cash flow gaps rather than ongoing AR financing. The platform offers credit-based rather than invoice-based financing, which provides flexibility for different business needs.

Fundbox's low barriers to entry make it accessible for businesses that can't qualify for other financing options. However, businesses seeking risk-free financing without personal guarantees should consider Resolve's non-recourse model, which eliminates merchant risk entirely while offering more competitive pricing starting at 2.61%.

According to Federal Reserve research on small business financing, access to credit remains a critical factor in business growth and sustainability.

6. Bluevine — Fast Approval with Banking Integration

Bluevine combines traditional line of credit features with modern fintech speed, offering fast approval decisions and integrated banking capabilities for established businesses with good credit.

Speed and Integration:

• Approval as fast as 5 minutes for qualified applicants
• No early repayment penalties
• Revolving credit model with interest only on withdrawn amounts
• Integrated with Bluevine checking for instant access
• Over 100,000 small businesses served

Requirements and Pricing:

Bluevine offers starting rates around 7.8% for 6-month terms. The platform requires a minimum 625 credit score, 12 months in business, and $120K annual revenue. Unlike non-recourse alternatives, Bluevine requires personal guarantees.

Bluevine's combination of traditional line of credit with modern fintech speed makes it appealing for established businesses with good credit. However, its requirement for personal guarantees and higher credit scores positions it differently than Resolve's risk-free financing approach for businesses seeking to eliminate personal liability.

7. Biz2Credit — Analytics and Marketplace Access

Biz2Credit offers a unique combination of loan marketplace access and business analytics tools, providing businesses with insights into their financial health alongside financing options.

Analytics and Marketplace Features:

• BizAnalyzer scorecard tool for creditworthiness assessment
• Access to multiple lender options through single application
• 30-day to 25-year term flexibility depending on product
• Diverse product range from short-term to long-term financing
• Marketplace model connects borrowers with appropriate lenders

Pricing and Requirements:

Biz2Credit offers rates estimated between 3-60% depending on funding type and lender. The platform uses traditional loan structures requiring personal guarantees. This marketplace approach is better suited for businesses uncertain about their financing readiness or exploring multiple options simultaneously.

Biz2Credit's marketplace approach offers businesses exploring Lendini alternatives the ability to compare multiple lenders through one application. The BizAnalyzer tool provides unique value for businesses uncertain about their financing readiness, though it retains traditional loan structures that require personal guarantees, unlike Resolve's non-recourse model.

The B2B Payments Transformation in 2025

The B2B payments landscape has transformed dramatically in 2025, with AI-powered automation and non-recourse financing becoming essential for growing companies. Independent research covering the United States alternative lending market estimates the market at $255.39 billion in 2023, with forecasts of growth to $378.61 billion by 2028. This growth has fueled innovation in net terms financing, creating sophisticated options that often surpass traditional revenue-based models in specific areas.

According to U.S. Department of Commerce data, B2B e-commerce continues to grow rapidly, making efficient payment and financing solutions increasingly critical for competitive advantage. Modern platforms are addressing key pain points including:

Cash Flow Management: Traditional net terms create cash flow gaps that can constrain growth. Modern platforms offer advance payment options that eliminate this challenge while maintaining customer relationships.

Credit Risk Assessment: AI-powered underwriting has revolutionized credit decisions, reducing approval times from days or weeks to seconds or minutes. This speed enables businesses to capitalize on opportunities without delays.

Administrative Burden: Manual accounts receivable processes consume significant resources. Automation through AI-powered platforms reduces this overhead by 80-90%, allowing finance teams to focus on strategic initiatives rather than routine tasks.

Customer Experience: Modern B2B buyers expect consumer-like payment experiences. Platforms offering flexible terms, instant approvals, and seamless checkout processes provide competitive advantages in customer acquisition and retention.

Making the Right Choice for Your Business

For B2B companies evaluating Lendini alternatives, the choice ultimately depends on your business stage, market focus, and risk tolerance:

By Business Needs:

• Risk elimination: Resolve (100% non-recourse, zero merchant risk)
• European market focus: Billie (extended terms, multi-country coverage)
• Marketplace operations: Balance (marketplace-native design) or Slope (instant approvals)
• Early-stage accessibility: Fundbox (low revenue requirements)
• Established businesses with good credit: Bluevine (fast approval, banking integration)
• Financial insights needed: Biz2Credit (BizAnalyzer tool)

Cost Comparison Reality:

When evaluating costs, consider both the rate and the value provided. Resolve starts at 2.61% with transparent risk-based pricing and includes comprehensive AR automation. Billie charges estimated 2-4% on flexible terms with European market coverage. Balance offers an estimated 3-5% range with marketplace-native features. Slope maintains competitive but undisclosed pricing. Fundbox charges estimated 4.99%-13% for short terms with lower qualification requirements. Bluevine starts around 7.8% with banking integration. Biz2Credit ranges from estimated 3-60% depending on the selected product and lender.

Implementation Timeline:

Speed to implementation varies significantly across platforms. Resolve offers quick integrations with leading platforms, enabling deployment in hours to days. Balance and Slope, with their developer-focused approaches, typically deploy in days to weeks. Bluevine and Fundbox may require weeks due to traditional underwriting processes. Biz2Credit timelines vary based on the selected lender from their network.

Strategic Considerations:

Beyond pricing and features, consider long-term strategic fit. Non-recourse financing eliminates balance sheet risk and enables predictable financial planning. Comprehensive AR automation reduces operational overhead and scales with your business. White-label solutions maintain brand control and customer relationships. Integration capabilities determine how seamlessly the platform fits into your existing technology stack.

For businesses seeking to increase buying power while eliminating risk and streamlining operations, Resolve's comprehensive platform offers a compelling alternative to Lendini's revenue-based financing model. The combination of non-recourse financing, AI-powered automation, transparent pricing, and rapid implementation addresses the complete spectrum of B2B payment challenges.

Frequently Asked Questions

What are the main differences between Lendini and modern B2B payment platforms?

Lendini offers revenue-based financing that ties repayment to future revenue, while modern platforms like Resolve provide non-recourse invoice financing that advances up to 100% of approved invoices with zero merchant risk. Resolve's model eliminates personal guarantees, offers transparent pricing starting at 2.61% for 30-day terms, and includes comprehensive AR automation reducing manual work by 80-90%. Additionally, Resolve maintains merchant control over customer relationships through white-label solutions.

How does non-recourse financing protect businesses offering net terms?

Non-recourse financing protects businesses by ensuring advanced funds are yours to keep, regardless of customer payment outcomes. This eliminates bad debt risk traditionally accompanying net terms. When offering terms through Resolve, you receive up to 100% of invoice value within one day, while Resolve handles credit assessment, decisions, and assumes the majority risk of late payments or defaults. This approach allows you to offer net terms and grow revenue without jeopardizing cash flow or balance sheet health.

Can B2B payment platforms integrate with existing accounting software?

Yes, modern platforms like Resolve offer seamless integration with leading ERP and accounting systems including QuickBooks, Oracle, Shopify, BigCommerce, Magento, WooCommerce, Xero, NetSuite, and Sage Intacct. These integrations enable automatic syncing of transaction data, automated reconciliation, and real-time financial reporting without manual data entry. Flexible APIs ensure compatibility with virtually any existing tech stack, allowing implementation in hours to days rather than months.

What benefits do B2B 'buy now, pay later' options provide?

Offering B2B BNPL options increases customer purchasing power by an estimated 30-60%, leading to larger orders and higher retention. Flexible payment terms remove cash flow barriers preventing purchases, particularly for businesses with seasonal revenue cycles. Net terms enhance buyer loyalty and unlock more revenue through repeat purchases, while businesses receive immediate payment through invoice advancement—creating a win-win where customers gain financial flexibility and sellers maintain healthy cash flow with reduced collections burden.

How does AI-powered automation improve accounts receivable management?

AI-powered automation improves AR management by automating 80-90% of manual tasks including credit assessment, invoice processing, payment reminders, and reconciliation. Platforms like Resolve use AI to automatically map and sync transaction data in real-time, reducing day sales outstanding (DSO) and accelerating cash flow. AI handles credit approval, underwriting, and collections processes automatically, allowing finance teams to scale operations with precision without manual overhead—transforming the customer payment experience while maintaining brand control.

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.