Lendistry Alternatives: Modern Solutions for B2B Working Capital

While Lendistry has deployed over $12 billion to more than 860,000 businesses, B2B companies seeking working capital are increasingly turning to modern alternatives that offer faster access to funds, eliminate credit risk, and automate accounts receivable processes. From Resolve's non-recourse invoice financing to specialized platforms serving different business needs, these alternatives provide compelling options for businesses that want to grow without taking on debt or managing collections.

Key Takeaways

Non-recourse financing eliminates merchant risk: Resolve Pay provides 100% non-recourse financing with advance payments up to 90% of approved invoices and same-day funding
AI-powered credit decisions within seconds: Modern platforms deliver instant credit approvals compared to traditional lenders' 24-72 hour funding timeline, with Resolve's proprietary models evaluating thousands of data points
Complete AR automation included: Resolve's platform reduces manual reconciliation work by an estimated 90% and includes AI-powered collections, while traditional lenders require separate AR software
Transparent flat-rate pricing: Resolve charges a flat 3.15% for 30-day terms with no hidden fees, compared to Lendistry's 10.50%-15.50% APR on term loans
E-commerce native integration: Only Resolve offers embedded net terms checkout for Shopify, BigCommerce, and Magento, increasing AOV by an average of 40%
No debt creation: Invoice financing doesn't impact your balance sheet or require personal guarantees, unlike traditional business loans

1. Resolve Pay — The Modern Alternative to Traditional Business Loans

Resolve Pay emerges as the premier Lendistry alternative by completely reimagining how B2B companies access working capital. Founded in 2019 as a spin-off from Affirm by former PayPal and Amazon executives, Resolve brings consumer fintech innovation to B2B payments with a platform that combines embedded credit expertise, invoice financing, and payments automation.

Key Features:

100% non-recourse financing with zero merchant liability
AI-powered instant credit decisions in 30 seconds to 48 hours
Net 30, 60, or 90-day payment terms with flexible options
Advance payment up to 90% within one business day
Transparent flat-rate pricing from 2.61–3.5% for 30-day terms
QuickBooks, Xero, and e-commerce integrations
Branded payment portal for customer payments

Pricing Structure:

Flat 3.15% fee for 30-day net terms with 90% advance
No monthly minimums, setup fees, or hidden charges
No personal guarantees required
Credit card fees passed to buyers through online payment portal

Resolve's platform delivers exceptional value through its comprehensive approach to B2B payments. The AI-powered AR automation reduces manual work by an estimated 90% while automatically syncing transactions across accounting systems. Businesses report an average 35% DSO reduction and 2.5x sales growth from offering net terms to customers.

Unlike traditional business loans that create debt obligations and require fixed monthly payments, Resolve's non-recourse model means businesses get paid upfront while Resolve assumes all credit risk. This approach has attracted over 15,000 businesses and $60 million in funding from Initialized Capital and Commerce Ventures.

The platform's e-commerce integrations enable businesses to embed net terms directly into Shopify, BigCommerce, and Magento checkouts, resulting in an average 40% higher order values and 22% improved conversion rates. For businesses operating across multiple channels, Resolve provides consistent net terms experiences whether customers transact online, offline, or through field representatives.

According to the U.S. Small Business Administration, invoice-based financing has become increasingly popular among small and medium-sized businesses as an alternative to traditional term loans. The B2B financing landscape has evolved dramatically, with businesses recognizing that invoice-based working capital solutions often better serve their needs than traditional business loans. According to industry analysis, invoice financing offers approximately 90% approval rates for B2B companies with outstanding receivables, compared to much lower rates for traditional business loans.

2. OnDeck — Fast Funding for General Business Needs

OnDeck represents a traditional alternative to Lendistry, offering same-day or next-day funding for businesses needing general working capital. Since 2007, the platform has deployed over $15 billion to 150,000+ businesses, establishing itself as one of the original online business lenders.

Platform Capabilities:

Same-day or next-day funding availability
Term loans from $5,000 to $250,000
Lines of credit from $6,000 to $200,000
3-36 month repayment terms
Established track record with $15B+ deployed
A+ BBB rating

Cost Structure:

29.9%-98.4% APR depending on risk profile (according to Forbes Advisor)
0%-4% origination fees
Personal guarantee and blanket lien required
Fixed daily or weekly payments

While OnDeck offers faster funding than Lendistry's 24-72 hour timeline, it comes at a significantly higher cost. The high APR creates substantial debt obligations that impact cash flow and balance sheets. Additionally, the personal guarantee requirement puts business owners' personal assets at risk.

OnDeck serves businesses needing unrestricted capital for purposes beyond invoice financing, such as equipment purchases, inventory stocking, or general operations. However, it lacks the AR automation, credit risk management, and payment processing capabilities that modern B2B platforms like Resolve provide.

3. Fundbox — Credit Lines for Smaller Businesses

Fundbox occupies a niche serving smaller businesses with credit lines from $1,000 to $150,000. Since 2013, the platform has provided over $2.5 billion in funding to 500,000+ businesses, focusing on companies that may not qualify for larger traditional loans.

Platform Features:

Lines of credit from $1,000 to $150,000
1-3 business day funding timeline
12, 24, or 52-week repayment terms
QuickBooks integration available
No collateral requirements for smaller amounts

Pricing Model:

4.66%-8.99% flat fee per 12-24 week draw period
Effective APR often exceeds 35%
No personal guarantee for smaller amounts
Weekly payment structure

Fundbox provides accessible capital for businesses with limited credit history or smaller financing needs. However, the high effective APR makes it expensive for ongoing working capital needs. The platform also lacks the comprehensive AR automation and net terms management capabilities that B2B-focused platforms provide.

For businesses specifically seeking invoice-based financing, Fundbox's general credit line approach doesn't address the unique needs of B2B companies with outstanding receivables who want to offer net terms to customers while getting paid immediately.

4. Biz2Credit — Marketplace Approach to Business Lending

Biz2Credit operates as a digital marketplace connecting businesses with various lenders, similar to Lendio's model. Founded in 2007, the platform has facilitated billions in business financing through its network of lending partners.

Service Offerings:

Term loans, lines of credit, and SBA loans
Equipment financing and commercial real estate loans
Revenue-based financing options
Working capital and cash flow solutions
Multi-lender marketplace approach

Cost Considerations:

Rates and terms vary by lending partner
Personal guarantees typically required
Origination fees may apply
Approval timelines vary by loan type

Biz2Credit's marketplace approach provides access to multiple lending options through a single application, which can be beneficial for businesses unsure of their best financing option. However, like other traditional lenders, it creates debt obligations and doesn't provide the AR automation, credit risk management, or payment processing capabilities that modern B2B platforms offer.

The platform serves businesses needing various types of capital beyond invoice financing, but doesn't address the specific needs of B2B companies looking to optimize their receivables process while offering net terms to customers.

5. BlueVine — Invoice Factoring and Business Lines

BlueVine offers both invoice factoring and business lines of credit, providing options for businesses with different financing needs. The platform has gained traction among small businesses seeking alternatives to traditional bank financing.

Financing Options:

Invoice factoring with advances up to 90%
Business lines of credit up to $250,000
Term loans up to $250,000
24-48 hour funding timeline
Online application process

Pricing Structure:

Factoring fees typically 0.5%-2% weekly
Line of credit APRs from 13%-78%
Personal guarantee required
Monthly minimums may apply

BlueVine's invoice factoring option provides some similarities to Resolve's model, but with key differences. Traditional factoring typically requires businesses to sell their invoices, often losing control of customer relationships and assuming partial risk for non-payment. In contrast, Resolve's non-recourse model eliminates all merchant risk while maintaining customer relationships through white-label payment portals.

The platform serves businesses seeking traditional financing options but lacks the comprehensive AR automation and integrated payment processing that modern B2B platforms provide.

When to Choose Each Alternative

Choose Resolve Pay when you need:

Invoice-based working capital without creating debt
B2B net terms management with instant decisions
Complete AR automation with AI-powered collections
E-commerce checkout integration for embedded terms
Non-recourse financing that eliminates credit risk

Choose Traditional Lenders (Lendistry, OnDeck, etc.) when you need:

Large capital investments for equipment, real estate, or expansion
SBA-backed financing with government guarantees
Unrestricted capital not tied to specific invoices
Long-term financing with multi-year repayment terms

According to industry research, invoice financing is particularly effective for businesses with strong B2B customer relationships and consistent invoicing patterns. The approval rate of approximately 90% for invoice-based financing significantly exceeds traditional business loan approval rates.

Total Cost Comparison: $50,000 Working Capital Need

For a typical B2B company needing $50,000 in working capital for 30 days, the cost differences are substantial:

Resolve Pay: $1,575 (3.15% flat fee) with non-recourse protection
Lendistry: Approximately $1,746 monthly payments for a 3-year term loan totaling around $62,856
OnDeck: Estimated $2,000-$15,000+ depending on risk profile and fees
Fundbox: Estimated $2,330-$4,495 for a 12-24 week repayment period

The cost advantage of invoice financing becomes even more pronounced when considering the additional benefits Resolve provides: AR automation, credit risk management, payment processing, and customer relationship management—all included in the transparent flat-rate pricing.

Frequently Asked Questions

What are the main alternatives to traditional business loans like those offered by Lendistry?

The primary alternatives include non-recourse invoice financing platforms like Resolve Pay, which provide working capital based on outstanding B2B invoices without creating debt. Other options include online lenders like OnDeck and Fundbox for general business capital, and marketplace platforms like Biz2Credit that connect businesses with multiple lenders. For B2B companies specifically, modern platforms that combine invoice financing with AR automation offer the most comprehensive solution.

How can B2B BNPL solutions help my business grow without taking on debt?

B2B BNPL solutions like Resolve's net terms platform allow you to offer customers extended payment terms while getting paid upfront. This increases your customers' purchasing power, leading to larger orders and higher conversion rates. Since the financing is based on your customers' creditworthiness rather than your own, it doesn't create debt on your balance sheet. Resolve advances up to 90% of approved invoices within one business day while assuming all credit risk.

Is non-recourse invoice financing truly risk-free for my business?

Non-recourse invoice financing eliminates merchant risk by transferring all credit risk to the financing provider. With Resolve Pay, if your approved customers don't pay their invoices, you keep the advance payment with no obligation to repay. This differs significantly from traditional factoring or recourse financing, where merchants remain liable for unpaid invoices. The non-recourse model provides true risk-free working capital for B2B businesses.

Can AR automation platforms genuinely improve my cash flow and reduce the need for external financing?

AR automation platforms significantly improve cash flow by reducing days sales outstanding (DSO) by an average of 35% and automating collections processes. Resolve's AI-powered platform reduces manual reconciliation work by an estimated 90% while providing instant credit decisions and advance payments. This combination of faster collections and immediate access to invoice value often eliminates the need for external financing altogether, creating a self-sustaining cash flow cycle.

How does a platform like Resolve handle credit checks compared to traditional banks?

Resolve uses AI-powered credit decisioning that evaluates thousands of data points in real-time, delivering approvals in 30 seconds to 48 hours. Traditional banks and lenders like Lendistry rely on manual underwriting processes that can take days or weeks. Resolve's proprietary models analyze cash flow patterns, payment history, and business performance rather than just credit scores, resulting in higher approval rates and more accurate risk assessment for B2B transactions.

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.