Lendr Alternatives

While Lendr specializes in private and hard money loan origination software, modern B2B businesses need comprehensive solutions that combine net terms financing, accounts receivable automation, and risk-free payment processing. Resolve Pay emerges as the superior alternative by offering 100% non-recourse financing, AI-powered credit decisions, and complete AR automation in a single platform.

Key Takeaways

Non-recourse financing eliminates bad debt risk: Resolve provides 100% non-recourse financing with zero merchant liability on approved invoices, unlike traditional lending models that leave businesses exposed to customer defaults
AI underwriting delivers rapid decisions: Modern platforms like Resolve provide rapid credit decisions, typically within seconds to 24 hours, compared to Lendr's traditional underwriting processes designed for loan origination rather than B2B payment terms
Transparent risk-based pricing: Resolve offers risk-based fees typically ranging from approximately 2.6% to 3.5% for 30-day terms with no hidden costs, setup fees, or monthly minimums
Complete AR automation: Resolve unifies credit checks and invoicing along with collections and reconciliation in a single solution, eliminating the need for multiple vendors
Rapid implementation: Resolve integrates in hours to days versus weeks or months required by traditional financial solutions
Free unlimited credit checks: Resolve provides unlimited business credit assessments at no cost, removing friction from the sales process

1. Resolve — The Complete B2B Payment Platform with Non-Recourse Protection

Resolve Pay stands out as the premier Lendr alternative by completely reimagining B2B payments through its 100% non-recourse financing model and AI-powered automation. Spun out from Affirm in 2019 and later backed by Insight Partners (including a reported $25M funding round), Resolve brings consumer fintech innovation to B2B commerce.

Key Features:

100% non-recourse financing with zero merchant risk on approved, non-disputed invoices
Rapid AI-powered credit decisions, typically delivered within seconds to 24 hours depending on complexity
Net 30, 60, or 90-day payment terms to accommodate diverse customer needs
Advances up to 90-100% within 24-48 hours on approved invoices
Risk-based fees typically ranging from approximately 2.6% to 3.5% for 30-day terms with transparent flat-rate pricing
QuickBooks and NetSuite integrations along with Shopify and BigCommerce
White-label payment portal that maintains merchant brand relationships
Free unlimited credit checks requiring only business name and address

Pricing Structure:

Resolve's pricing model offers flexibility based on your business needs. Fees typically range from approximately 2.6% to 3.5% for 30-day terms, varying based on risk assessment and advance percentage. There are no monthly minimums, setup fees, or hidden charges. Advance rates of 50%, 75%, or 90-100% are available based on customer risk profile, with custom pricing for enterprise volumes.

The platform automates key AR steps (invoicing, collections, reconciliation, and syncing across systems) to reduce manual workload and speed up cash application. Recent case studies demonstrate significant impact: businesses report 25-75% order value increases by enabling net terms, while maintaining complete protection from bad debt.

Unlike traditional financing models, Resolve maintains merchant control over customer relationships while eliminating collections burden. The platform currently serves over 12,000 businesses across manufacturing, wholesale, and distribution sectors, providing the credit infrastructure needed to compete in modern B2B commerce.

Resolve's Accounts Receivable platform with AI-powered automation streamlines the entire credit-to-cash workflow, from initial credit assessment through final payment reconciliation. This comprehensive approach addresses the fundamental challenge that Lendr and traditional lenders cannot solve: enabling businesses to offer competitive net terms while protecting cash flow and eliminating credit risk.

The B2B Payment Challenge

The B2B payments landscape has evolved significantly, with businesses increasingly seeking solutions that offer net terms financing without assuming credit risk. Research from McKinsey & Company indicates that digital B2B payment adoption has accelerated dramatically, with businesses prioritizing speed, transparency, and integrated solutions over traditional banking relationships.

According to Fortune Business Insights, the global real-time payments market was valued at $24.91 billion in 2024, with a forecasted compound annual growth rate of 35.4% through 2032. This growth has fueled innovation in B2B payment solutions that often surpass traditional lending platforms in specific areas critical to modern businesses.

The challenge many B2B businesses face is managing cash flow while offering competitive payment terms. Traditional net terms can tie up significant working capital for 30, 60, or even 90 days, creating cash flow constraints that limit growth. According to the Federal Reserve Payments Study, B2B payments represent a substantial portion of commercial payment volume, yet many businesses still rely on outdated processes that create inefficiencies.

While Lendr serves a specific niche in private lending origination, seven alternatives provide more comprehensive capabilities for B2B sellers looking to streamline payments, accelerate cash flow, and grow revenue through embedded credit.

2. Balance — Marketplace-Focused B2B Payments

Balance has emerged as an alternative for B2B marketplaces, raising significant funding with backing from Stripe, Salesforce Ventures, and HubSpot Ventures. The platform specializes in multi-vendor marketplace scenarios with instant seller payouts and buyer net terms at checkout.

Platform Strengths:

Instant seller payouts with 100% upfront payment
Marketplace operating system for multi-vendor orchestration
Net 30/60/90-day terms for buyers
API/SDK-driven integrations
Developer-friendly implementation

Considerations:

Pricing information not publicly available
Focused primarily on marketplace use cases rather than direct B2B sales
Limited publicly available information about AR automation capabilities beyond basic payment processing

While Balance excels in marketplace scenarios, businesses seeking comprehensive payment and credit management may find Resolve's unified platform approach more suitable for handling both online and offline sales channels with transparent pricing.

3. TreviPay — Global Enterprise B2B Payments

TreviPay represents an enterprise-focused alternative with global reach across 20+ countries and support for multiple currencies. The platform offers managed AR services and omnichannel payment support for large organizations with complex international requirements.

Enterprise Features:

Operations in 20+ countries with multi-currency support
Omnichannel payment capabilities unifying EDI, e-commerce, POS, and in-store transactions
Managed AR outsourcing with credit management and collections
Enterprise-grade security and compliance

Implementation Considerations:

Implementation timelines can extend to multiple months versus Resolve's hours-to-days deployment
Typically requires significant monthly volume commitments
Enterprise pricing model without publicly available fee structures
Traditional underwriting processes versus AI-powered instant decisions

TreviPay serves a specific enterprise segment requiring global capabilities, while Resolve provides superior speed, transparency, and risk protection with faster implementation for mid-market businesses.

4. Bill.com — AP/AR Automation Without Financing

Bill.com has built a substantial user base serving hundreds of thousands of businesses, focusing on accounts payable and receivable automation without embedded credit or financing capabilities. The publicly traded company provides workflow automation for businesses seeking to streamline financial operations.

Workflow Features:

Strong AP/AR workflow automation with approval routing
Multi-department approval workflows and audit trails
Integrations with QuickBooks and other major accounting platforms including NetSuite, Sage, and Xero
Comprehensive payment processing capabilities

Key Differences:

Does not offer embedded credit or net terms financing capabilities
Subscription-based pricing model ranging from approximately $45-89 per user per month
Focuses on workflow automation rather than credit risk management
Businesses using Bill.com for AR automation often need separate financing solutions

Bill.com serves businesses seeking workflow automation without financing needs, but cannot address the core requirement of enabling net terms sales while eliminating credit risk. Companies using Bill.com for AR automation often pair it with separate financing solutions, creating a fragmented tech stack that Resolve eliminates through its unified platform.

5. FundThrough — Traditional Invoice Factoring

FundThrough specializes in invoice factoring with consistent advance rates and expedited funding. The platform offers spot factoring with flexible terms, making it suitable for businesses needing occasional invoice financing rather than ongoing net terms programs.

Factoring Strengths:

Advance rates up to 100% consistently available
Same-day or next-day funding with accelerated processing
No minimum volume requirements for spot factoring
Flexible spot financing without long-term commitments

Factoring Model Differences:

Traditional factoring approach with customer notification and factor-managed collections
Pricing that varies with time outstanding versus flat fees
Limited AR automation beyond basic collections capabilities
Customers receive "factored" notices, which may impact merchant relationships

FundThrough's traditional factoring approach differs from Resolve's non-recourse financing model. While FundThrough provides high advance rates, it follows traditional factoring protocols. Resolve's white-label portal maintains brand integrity while providing comparable advance rates with transparent flat fees and complete bad debt protection.

6. Credit Key — B2B BNPL at Checkout

Credit Key focuses on checkout-embedded B2B buy now, pay later with instant approvals and flexible terms. The platform offers Net 30, Pay in 4, and extended installment options designed to boost e-commerce conversion rates.

BNPL Features:

Instant approvals with credit lines for qualified buyers
Flexible payment options including Net 30, Pay in 4, and extended installments
Risk assumption model with expedited merchant payment
E-commerce platform integrations for online checkout

Use Case Focus:

Optimized for e-commerce checkout scenarios
Primarily suited for online transactions rather than complex invoice-based workflows
Limited publicly available information about AR automation capabilities
Designed for businesses with straightforward online sales processes

Credit Key excels in pure e-commerce scenarios where businesses need checkout BNPL to boost conversions, while Resolve's B2B Payments Platform offers a more complete solution that handles both online and offline sales channels with comprehensive AR workflow management.

Understanding Non-Recourse Financing

One of the most significant distinctions between Resolve and traditional alternatives is its non-recourse financing model. In traditional factoring or lending, businesses often retain some liability for customer defaults or disputes. Non-recourse financing transfers the credit risk entirely to the financing provider, meaning the merchant receives payment regardless of whether the end customer ultimately pays.

This risk transfer is particularly valuable for businesses operating in industries with longer payment cycles or higher default rates. Instead of maintaining expensive in-house credit departments and collections teams, businesses can outsource the entire credit risk management function while maintaining customer relationships through white-label solutions.

The impact on cash flow can be substantial. By receiving advances of up to 90-100% within 24-48 hours on approved invoices, businesses can reinvest in inventory, fulfill new orders, and take advantage of early payment discounts from their own suppliers. This creates a positive cash conversion cycle that accelerates growth without the constraints of traditional working capital limitations.

Beyond Alternatives: The Resolve Advantage

The fundamental difference between Resolve and Lendr alternatives lies in their core value proposition. While Lendr focuses on loan origination software for private lenders, Resolve provides a complete B2B payment platform that addresses the specific challenges of modern B2B commerce:

Risk Elimination: Resolve's 100% non-recourse model completely eliminates bad debt risk on approved invoices, enabling businesses to offer competitive net terms without credit department overhead.

Speed and Efficiency: Rapid AI-powered credit decisions enable real-time B2B checkout experiences and immediate sales closure, while automated AR processes can reduce manual work by up to 90%, freeing teams to focus on growth.

Transparent Economics: Flat-fee pricing with no hidden costs, setup fees, or monthly minimums provides predictable costs for accurate pricing strategy and margin management.

Unified Platform: Resolve's integration of credit and payments along with AR automation in a single platform eliminates the need for multiple vendors and reduces tech stack complexity.

For businesses evaluating Lendr alternatives, the choice depends on specific needs and use cases. However, for the majority of B2B sellers seeking to offer net terms while protecting cash flow and eliminating credit risk, Resolve provides a comprehensive solution with superior speed, transparency, and risk protection.

Frequently Asked Questions

What makes Resolve different from traditional loan management software?

Unlike traditional loan management software, Resolve provides 100% non-recourse financing that eliminates bad debt risk while offering net terms to customers. The platform's AI-powered automation can reduce manual AR work by up to 90%, accelerates cash flow through advances up to 90-100% within 24-48 hours, and enables businesses to increase sales through higher order values when customers can access flexible payment terms.

How quickly can businesses implement Resolve compared to traditional solutions?

Resolve integrates in hours to days versus the weeks or months typically required by traditional financial solutions and enterprise platforms. The platform offers integrations with major accounting and e-commerce systems including QuickBooks, NetSuite, Shopify, and BigCommerce, enabling rapid deployment without extensive technical resources.

Can businesses receive payment immediately while offering net terms?

Yes, Resolve advances up to 90-100% on approved invoices within 24-48 hours, allowing businesses to receive immediate payment while customers maintain 30, 60, or 90-day payment terms. This non-recourse financing model means merchants get paid upfront regardless of when customers pay, with zero liability for customer defaults on approved, non-disputed invoices.

What is Resolve's pricing structure?

Resolve offers transparent pricing with risk-based fees typically ranging from approximately 2.6% to 3.5% for 30-day terms, varying based on risk assessment and advance percentage. There are no monthly minimums, setup fees, or hidden charges. Advance rates of 50%, 75%, or 90-100% are available based on customer risk profile, with custom pricing for enterprise volumes.

Is Resolve suitable for small businesses or only enterprises?

Resolve serves over 12,000 businesses across various sizes and industries, with no minimum volume requirements. The platform scales from small businesses needing basic net terms functionality to large enterprises requiring complex integrations with ERPs like NetSuite and sophisticated credit management capabilities, making it adaptable to businesses at any stage of growth.

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.