LendSpark Alternatives

While LendSpark says it has arranged hundreds of millions in financing for equipment and real estate needs, B2B companies seeking alternatives for accounts receivable and net terms financing now have superior options that offer non-recourse protection, AI-powered automation, and embedded e-commerce experiences. From Resolve's risk-free invoice financing to Fundbox's accessible credit lines, these seven platforms address the evolving needs of modern B2B businesses.

Key Takeaways

• Non-recourse financing eliminates all merchant risk: Resolve Pay provides 100% non-recourse financing where merchants keep advances even if customers default, unlike LendSpark's recourse model that places full liability on businesses
• Dramatically lower total cost of ownership: When accounting for bad debt risk (3-5%), collections costs, and AR staff time, Resolve delivers 88-92% lower TCO compared to traditional working capital loans like LendSpark
• AI-powered AR automation reduces manual work by 90%: Modern platforms like Resolve automate invoicing, payment reminders, and reconciliation, eliminating the manual processes required with traditional lenders
• Embedded e-commerce integration enables real-time credit: Resolve offers native B2B financing with Shopify and BigCommerce, offering instant credit approval during checkout versus separate loan applications
• No debt created on balance sheet: Resolve's invoice advances appear as accelerated revenue rather than debt, preserving borrowing capacity unlike LendSpark's loan-based model that requires personal guarantees
• Specialization matters: LendSpark excels at equipment financing, but Resolve leads in B2B net terms—choose based on your specific business needs

1. Resolve — The Premier Alternative for B2B Net Terms Without Risk

Resolve Pay stands out as the superior LendSpark alternative for businesses offering net terms to B2B customers. While LendSpark specializes in equipment and real estate including transactions such as a $16.2M construction loan, Resolve focuses exclusively on transforming B2B accounts receivable through its 100% non-recourse financing model and AI-powered automation platform.

Key Features:

• 100% non-recourse financing with zero merchant risk—keep your advance even if customers default
• AI-powered AR automation that reduces manual work by 90%
• Credit decisions can be instant in some checkout flows and can take up to 24 hours in others, depending on the buyer and review needed.
• Net 30, 60, or 90-day payment terms with up to 100% advance on approved invoices
• Risk-based fees ranging from 2.61-3.5% for Net 30 terms and 3-4.5% for Net 60 terms
• Native e-commerce integrations with Shopify, BigCommerce, and more
• QuickBooks, NetSuite, and Xero integration with bi-directional sync
• White-label payment portal accepting ACH, wire, credit card, and check

Pricing Structure:

• Fees are risk-based per invoice: Net 30 terms range from 2.61-3.5%, Net 60 terms from 3-4.5%
• No monthly minimums, setup fees, or hidden charges
• Advance rates vary by buyer/invoice; Resolve shows common advance rates like 50%, 75%, and 90%, and also markets “up to 100%” advances for approved invoices in some programs.
• Custom pricing for enterprise volumes

The platform's comprehensive approach addresses the complete B2B payment lifecycle—from instant credit checking during onboarding to automated collections and reconciliation. According to the platform, businesses report 35% DSO reduction and 2.5x sales growth after implementing Resolve's platform.

Unlike traditional financing models that create debt obligations and require personal guarantees, Resolve's invoice-based approach provides working capital without impacting balance sheet ratios. The platform currently serves over 15,000 businesses with backing from Initialized Capital and Commerce Ventures, offering a modern alternative specifically designed for B2B net terms challenges rather than general equipment financing.

For businesses specifically seeking to optimize their accounts receivable processes, Resolve's B2B Net Terms solution eliminates the credit risk and manual overhead that traditional lenders like LendSpark don't address.

The B2B financing landscape has evolved significantly in 2025, with businesses increasingly seeking solutions that address the specific challenges of accounts receivable management, slow-paying customers, and embedded credit experiences. According to Allianz Trade, the B2B BNPL market reached $14 billion in transactions in 2023, with projected CAGR of 27.4% between 2024-2029. This growth has fueled innovation in net terms financing, creating sophisticated alternatives that often surpass traditional lenders in specific areas.

2. Fundbox — Accessible Credit Lines for General Working Capital

Fundbox occupies a distinct niche providing revolving lines of credit from $1,000 to $150,000 for small businesses needing general working capital rather than invoice-specific financing. Since 2013, the platform has provided flexible funding options for businesses that may not qualify for traditional bank financing.

Platform Strengths:

• Fast approval process with decisions often within hours
• Revolving credit line allowing draw and repay flexibility
• Credit lines up to $150,000 based on business performance
• Integration with QuickBooks for streamlined financial management
• No collateral requirements for smaller credit lines

Cost Structure:

• Fees typically range from around 4.66% to 8.99% depending on term length
• Effective annualized rates typically 20-30% depending on term length
• Weekly repayment schedule via ACH
• Personal guarantee typically required

According to Bankrate, Fundbox provides a viable option for businesses needing flexible access to working capital for mixed purposes like inventory, payroll, or marketing expenses. However, the recourse model means businesses remain fully liable for repayment, and the higher effective rates make it less cost-effective than non-recourse alternatives for invoice-specific financing.

Fundbox is better suited for businesses without significant B2B receivables or those needing general operating capital rather than solutions specifically designed to address slow-paying customers and net terms management.

3. Bluevine — Business Banking with Integrated Financing

Bluevine combines business banking services with financing options, offering lines of credit up to $250,000 alongside business checking accounts and payment processing. The platform appeals to businesses seeking an integrated financial management solution rather than specialized accounts receivable automation.

Key Capabilities:

• Lines of credit up to $250,000 with interest rates as low as 7.8% for top qualifying customers
• Business checking accounts with no monthly fees
• Fast funding within 24 hours of approval
• QuickBooks integration for basic financial synchronization
• Mobile app for account management and payments

Pricing Model:

• Variable APR ranging as low as 7.8% depending on creditworthiness
• Monthly repayment schedules
• Personal guarantee required for most financing options
• Traditional recourse model with full merchant liability

While Bluevine offers convenient access to working capital, it lacks the specialized features needed for B2B net terms management, including non-recourse protection, AR automation, and e-commerce integration. The platform is better positioned as a general business banking solution rather than a specialized alternative for businesses dealing with slow-paying B2B customers.

4. OnDeck — Short-Term Financing for Immediate Needs

OnDeck provides short-term loans up to $250,000 with same-day funding capabilities, making it suitable for businesses requiring immediate access to capital for time-sensitive opportunities or emergencies. Founded in 2006, the platform has established itself as a reliable source of short-term financing.

Platform Features:

• Same-day funding available for qualified applicants
• Loan amounts up to $250,000 with terms up to 24 months
• Simple application process with minimal documentation
• Accepts businesses with lower credit scores than traditional banks
• Basic financial reporting and account management tools

Cost Structure:

• APRs can be high; for example, NerdWallet lists roughly 40%–91.1% APR depending on qualification and product.
• Daily or weekly repayment schedules via ACH
• Origination fees may apply
• Full recourse liability with personal guarantee requirements

According to NerdWallet, OnDeck offers competitive terms for short-term needs but lacks the specialized features for B2B accounts receivable management. The platform's strength lies in rapid access to capital rather than ongoing relationship management or net terms automation.

5. National Business Capital — Marketplace Access to Multiple Lenders

National Business Capital operates as a lending marketplace that connects businesses with multiple financing providers, offering access to various loan products including SBA loans, term loans, and lines of credit. This broker model provides businesses with multiple options through a single application.

Service Advantages:

• Single application process for multiple lender options
• Access to specialized lenders for specific industries or needs
• Funding amounts from $5,000 to millions depending on lender
• Guidance from financing advisors throughout the process
• Options for businesses with challenged credit

Considerations:

• Broker fees may increase overall cost
• Approval and funding timelines vary by lender
• Limited control over which lenders receive application
• No specialized B2B net terms or AR automation features

While National Business Capital provides valuable access to multiple financing options, it doesn't offer the integrated, specialized solution that businesses need for managing B2B accounts receivable and offering net terms without risk.

6. Balance Payments — API-First B2B Payment Infrastructure

Balance Payments provides an API-first approach to B2B payments, offering B2B payments plus embedded trade credit/net terms (B2B BNPL) designed to let merchants offer terms without taking on in-house credit risk. Founded in 2020, the platform appeals to technology-forward businesses seeking to build custom payment experiences.

Technical Strengths:

• Comprehensive API suite for custom payment implementations
• Support for multiple payment methods including ACH, wire, and cards
• Developer-focused documentation and support
• Flexible integration options for custom workflows
• Modern technology stack with real-time capabilities

Limitations:

• Primarily payment processing rather than credit/financing
• Limited out-of-the-box features for AR automation
• Requires technical resources for implementation
• Less focus on credit risk management and underwriting

Balance Payments serves businesses with strong technical teams seeking to build custom payment solutions, but lacks the comprehensive credit, financing, and automation features that Resolve provides for B2B net terms management.

7. TreviPay — Enterprise-Grade Global Trade Credit

TreviPay offers enterprise-grade B2B payment solutions with global capabilities, processing over $6 billion annually across 32 countries. The platform serves large enterprises with complex international payment needs and extensive compliance requirements.

Enterprise Features:

• Global payment processing in multiple currencies
• Comprehensive compliance and regulatory support
• Enterprise-grade security and data protection
• Custom implementation and dedicated support
• Extensive integration capabilities with ERP systems

Considerations:

• Enterprise-focused with higher minimum requirements
• Longer implementation timelines (typically months)
• Higher cost structure suited for large organizations
• Less accessible for mid-market and smaller businesses

While TreviPay provides robust global capabilities, its enterprise focus and complex implementation make it less suitable for mid-market businesses seeking rapid deployment and straightforward net terms solutions.

Why Specialization Matters: Equipment Financing vs. B2B Net Terms

The fundamental difference between LendSpark and Resolve Pay lies in their specialized focus areas. LendSpark excels at asset-backed financing for equipment purchases, real estate transactions, and construction projects, with proven capability to handle deals up to $16.2 million. Resolve Pay specializes in invoice-based financing for B2B accounts receivable, transforming slow-paying customers into immediate cash flow without risk.

When to Choose LendSpark:

• Equipment purchases (medical, industrial, commercial vehicles)
• Real estate and construction financing ($50K to $16M+)
• Businesses with challenged credit needing asset-backed loans
• Traditional loan structures with fixed repayment schedules

When to Choose Resolve Pay:

• B2B companies offering net 30/60/90 terms to customers
• E-commerce B2B sellers on Shopify or BigCommerce
• Businesses seeking to eliminate bad debt risk (3-5% of revenue)
• Companies wanting to reduce AR staff time and manual processes
• Organizations needing working capital without creating debt

Many successful businesses actually use both approaches: LendSpark-type lenders for equipment and asset purchases, and Resolve for managing B2B customer invoices and net terms. This complementary strategy allows businesses to access the right financing solution for each specific need.

Total Cost of Ownership: The Hidden Advantage

The most compelling advantage of Resolve over traditional lenders like LendSpark becomes apparent when analyzing total cost of ownership. While LendSpark's financing costs might appear competitive at first glance, the complete picture reveals significant hidden expenses:

Scenario: B2B manufacturer with $500K annual invoice volume, 60-day average payment terms

Resolve Pay Total Annual Cost: ~$15,000-18,000

• Financing fees only (3-3.6% of invoices financed)
• $0 bad debt risk (non-recourse protection)
• $0 collections costs (Resolve handles collections)
• Minimal AR staff time (90% automation)

Traditional Lender Total Annual Cost: ~$157,000-238,000

• Financing costs: ~$50,000-75,000 (10-15% APR on working capital)
• Bad debt exposure: ~$15,000-25,000 (3-5% industry average)
• Collections costs: ~$12,000-18,000 (2-3% of revenue)
• AR staff costs: ~$80,000-120,000 (1-2 FTE)

This analysis demonstrates that Resolve Pay delivers 88-92% lower total cost compared to traditional working capital approaches when accounting for all relevant expenses. The non-recourse model alone eliminates the $15,000-25,000 in typical bad debt expenses, while automation reduces both collections costs and staff overhead.

Implementation and Integration Capabilities

The technical integration capabilities further differentiate modern platforms from traditional lenders. Resolve offers:

• Native e-commerce integration with Shopify, BigCommerce, and more
• Bi-directional ERP sync with QuickBooks, NetSuite, Xero, and Oracle
• Full API access for custom implementations and enterprise requirements
• Implementation in 1-2 weeks versus months for traditional enterprise solutions

LendSpark, by contrast, operates primarily through manual application processes and traditional relationship-based service, lacking the digital integration capabilities that modern B2B businesses require for seamless operations.

Frequently Asked Questions

What are the benefits of using B2B BNPL versus traditional lending?

B2B BNPL platforms like Resolve offer several key advantages over traditional lending. First, they provide non-recourse financing where merchants face zero risk if customers default, unlike traditional loans that place full liability on the business. Second, they enable instant credit decisions during the sales process rather than requiring separate loan applications. Third, they integrate directly into existing e-commerce and accounting systems, creating seamless experiences for both merchants and buyers. Finally, they eliminate the need for personal guarantees and don't create debt obligations on the merchant's balance sheet.

How does embedded credit improve cash flow?

Embedded credit solutions like Resolve's platform transform slow-paying B2B customers into immediate cash flow by advancing up to 90-100% of invoice value within 1-2 business days. This eliminates the typical 30-90 day cash flow gap that plagues B2B businesses. According to the platform, businesses using Resolve experience 35% DSO reduction and can reinvest cash immediately rather than waiting for customer payments. The non-recourse nature also eliminates bad debt expenses (typically 3-5% of B2B revenue), further improving cash flow predictability.

Is non-recourse factoring risk-free for businesses?

Yes, 100% non-recourse financing is genuinely risk-free for merchants. With Resolve's model, you receive an advance (up to 90-100%) on approved invoices and keep this money even if your customer never pays. Resolve assumes all credit risk and handles collections, meaning you face zero liability for customer defaults. This eliminates typical B2B bad debt expenses (3-5% of revenue) and removes the burden of collections management. The only requirement is that invoices must be from approved customers who have passed Resolve's credit evaluation process.

How quickly can customers get approved?

Customer approval times with Resolve range from instant to 24 hours, significantly faster than traditional underwriting processes that typically take 3-7 days. The platform's AI-powered credit engine evaluates thousands of data points in real-time, enabling rapid decisions for established businesses. Some purchases up to $25,000 may qualify for instant approvals during the e-commerce checkout process, creating seamless buying experiences that don't interrupt the sales flow.

What automation does Resolve provide?

Resolve's platform provides comprehensive AI-powered AR automation that reduces manual work by 90%. This includes automated invoicing, intelligent payment reminders based on customer behavior, collections workflow management, and automatic reconciliation with accounting systems. The LLM-powered platform syncs transactions across systems in real-time, eliminating the need for manual data entry and reconciliation. Businesses report significant time savings, with finance teams freed from routine AR tasks to focus on strategic activities.

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.