Libertas Funding Alternatives: Modern Solutions for B2B Growth

While Libertas Funding has facilitated $4 billion in financing since 2016, businesses seeking transparent pricing, non-recourse protection, and integrated accounts receivable automation are turning to modern alternatives. Resolve's net terms platform leads this new generation with 100% non-recourse financing, AI-powered credit decisions, and seamless e-commerce integration.

Key Takeaways

Non-recourse financing eliminates merchant risk: Resolve provides 100% non-recourse net terms financing with the option to advance up to 100% of approved invoices, while Libertas uses a full recourse model where merchants retain all credit risk
Transparent vs. hidden pricing: Resolve offers transparent flat fees estimated at 2.6–3.5% for net 30 terms with no hidden charges, while Libertas uses factor rates (1.15-1.30+) that translate to 15-30% effective costs without upfront disclosure
Implementation in hours vs. days: Resolve integrates within hours to days versus Libertas's typical 48-hour post-approval funding timeline, critical for businesses needing rapid market entry
AI-powered credit underwriting: Resolve's proprietary models evaluate thousands of buyer data points for 24-hour credit decisions, moving beyond traditional credit score requirements
Complete AR automation included: Resolve provides end-to-end accounts receivable automation from credit checks to collections, while Libertas offers financing without software capabilities
Lower revenue thresholds: Resolve serves businesses with $10,000+/month revenue versus
Libertas's $75,000+/month requirement, making modern solutions accessible to more businesses

1. Resolve — The Complete Non-Recourse Net Terms Solution

Resolve stands out as the premier Libertas Funding alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Founded in 2019 and spun out from Affirm by PayPal co-founder Max Levchin's venture studio, Resolve brings consumer fintech innovation to B2B payments while serving over 12,000 businesses.

According to Federal Reserve research, B2B payments represent over $25 trillion annually in the United States, with businesses increasingly seeking solutions that reduce payment friction while protecting cash flow. Resolve addresses this market need by enabling sellers to offer flexible payment terms without assuming credit risk.

Key Features:

100% non-recourse financing with zero merchant risk on approved invoices
AI-powered credit decisions in 24 hours using proprietary underwriting models
Net-30, Net-60, or Net-90-day payment terms for buyers
Up to 100% advance payment within one day
Transparent flat fees estimated at 2.6-3.5% for net 30 terms
QuickBooks auto-sync and ERP integration
White-label payment portal maintaining brand relationships

Pricing Structure:

Resolve's pricing model offers clarity that traditional financing providers often lack. Flat fees typically range from an estimated 2.6-3.5% for net 30 terms based on risk assessment, with no monthly minimums, setup fees, or hidden charges. Custom pricing is available for enterprise volumes with risk-based advance rates of 50%, 75%, or 100%. Credit card fees are passed directly to buyers through the payment portal, ensuring sellers receive full invoice value.

The platform's AR automation capabilities reduce manual work by automating payment reminders, collections, and reconciliation across all invoice types. Recent success stories demonstrate significant impact: businesses have achieved 5x revenue growth and tripled their revenue through strategic net terms implementation.

Unlike traditional financing models, Resolve enables businesses to offer net terms to their buyers without becoming the bank. The platform handles credit assessment, credit decisions, and the majority risk of late payments or defaults, allowing merchants to focus on sales growth rather than collections management. Resolve's funding capacity has grown to billions in credit since its inception.

For B2B ecommerce businesses, Resolve offers native integration with Shopify, BigCommerce, WooCommerce, and Magento, enabling net terms at checkout with instant approvals up to $25,000 for qualified purchases. The complete integration ecosystem ensures seamless data flow between Resolve and existing business systems.

Research from the Small Business Trends shows that cash flow management is the primary challenge for 82% of small businesses, with payment delays causing operational disruptions. Resolve's non-recourse model directly addresses this pain point by providing immediate cash while transferring credit risk.

2. Slope — Enterprise B2B Payments with Institutional Backing

Slope represents a modern alternative backed by J.P. Morgan Payments, offering sophisticated B2B payment solutions for enterprise businesses. Founded in 2021, the company secured $65 million in funding from J.P. Morgan in July 2024, demonstrating strong institutional confidence in its platform.

Advanced Capabilities:

10-30 second approval decisions powered by SlopeAI
Cash flow underwriting that evaluates real business performance beyond credit scores
Net 30, 60, and installment payment plans up to 90 days
Zero risk to merchants through non-recourse financing
Enterprise-grade security and compliance standards

Competitive Pricing:

Custom pricing based on advance percentage, buyer risk, and payment terms is available, with volume-based discounts for high-volume merchants. The platform requires no setup fees or monthly minimums, with enterprise pricing available upon request.

Slope's partnership with major retailers demonstrates its enterprise readiness, modernizing traditional B2B payment infrastructure with AI-powered technology. The platform's focus on Fortune 500 companies and wholesale operations addresses similar markets to Libertas Funding but with modern technology and faster implementation timelines.

Slope's advanced AI technology uses comprehensive cash flow analysis, moving beyond traditional credit evaluation methods to assess actual business performance. This approach aligns with evolving B2B financing trends that prioritize business health over historical credit scores alone.

3. Balance — Marketplace-Focused B2B Payments

Balance has raised $56 million in Series B funding with backing from Lightspeed, Stripe, Salesforce Ventures, and HubSpot Ventures. This Y Combinator-backed company distinguishes itself through a developer-first approach that makes B2B payments as simple as consumer transactions.

Platform Strengths:

Self-serve checkout supporting all major payment methods
Credit cards, ACH, wire, checks, and net terms in a single solution
Implementation typically completed in days rather than weeks
300+ APIs available for custom integrations
Hosted checkout requiring minimal development resources
Support for 20+ currencies for international transactions

Transparent Fees:

Balance offers custom pricing models based on actual usage patterns, with interchange-plus optimization that can save up to 150 basis points. Merchants benefit from next-day payouts for improved cash flow, with no merchant risk on net terms transactions through non-recourse financing.

Notable clients include major marketplace platforms, demonstrating strong traction in the B2B marketplace segment. Reviewers consistently describe the setup process as "incredibly easy," comparing the developer experience favorably to Stripe's consumer payment platform.

The marketplace focus makes Balance particularly suitable for platform businesses that facilitate transactions between multiple buyers and sellers, addressing a growing segment of B2B commerce that traditional financing providers struggle to serve efficiently.

4. Versapay — Accounts Receivable Automation Specialist

Versapay takes a fundamentally different approach by focusing exclusively on accounts receivable automation rather than credit extension. Processing over $170 billion annually across 110 million transactions, Versapay serves 10,000+ customers with a collaborative AR platform that emphasizes cash application efficiency.

Core Features:

81% customer portal adoption rate compared to 20% industry average
AI-powered cash application with 90%+ automatic matching accuracy
Real-time dispute resolution and collaboration tools
Native ERP integrations with major platforms including NetSuite and Dynamics 365
Machine learning customer segmentation for targeted collections
Automated payment reminders and follow-up workflows

Subscription Pricing:

Mid-market businesses typically pay around $5,423 annually for Versapay services, while enterprise plans range up to approximately $33,000 annually. Payment processing fees are quoted based on payment method and volume, with custom pricing available for high-volume implementations.

G2 reviews consistently praise the platform's efficiency gains, with businesses reporting 50% reductions in manual AR work. However, companies specifically seeking net term financing will need to pair Versapay with another solution, as it focuses on AR automation without providing credit facilities.

According to industry research on accounts receivable automation, businesses implementing AR software reduce days sales outstanding (DSO) by an average of 15-20%, significantly improving cash conversion cycles without requiring external financing.

5. Bill.com — Comprehensive Financial Automation Network

Bill.com has built a substantial B2B payment network with nearly 500,000 business customers and over 8 million total network members. The publicly traded company provides comprehensive accounts payable and receivable automation that extends beyond traditional credit-focused approaches.

Network Advantages:

Automated invoice processing with advanced optical character recognition
Customizable multi-level approval workflows
Credit lines ranging from $1,000 to $5 million for qualified businesses
Two-way synchronization with major accounting platforms including QuickBooks and Xero
Mobile application for on-the-go approvals and management
Automatic vendor enrollment that simplifies future transactions

Tiered Pricing Model:

Bill.com offers an Essentials plan starting at $45 per user per month, a Team plan at $55 per user per month, and a Corporate plan at $79 per user per month. Enterprise pricing is available with custom quotes, and additional transaction fees apply based on payment method.

Reviews highlight the user-friendly interface and comprehensive feature set, though some note that international payments can take seven or more days to process. The platform's broad scope may include features unnecessary for businesses specifically seeking net terms financing solutions.

For companies wanting comprehensive financial automation beyond trade credit, Bill.com offers a mature solution that can potentially replace multiple systems. The network effect means vendors are automatically enrolled when paid, creating a self-reinforcing ecosystem that simplifies future transactions.

6. Fundbox — Quick Capital for Small Businesses

Fundbox occupies a distinct niche providing credit lines from $1,000 to $150,000 for small businesses that traditional lenders often overlook. Since 2013, the platform has provided over $6 billion in funding to more than 500,000 businesses, focusing on accessibility rather than comprehensive payment solutions.

Speed and Accessibility:

Instant credit decisions with next-day funding availability
Credit lines up to $150,000 for qualified applicants
Flexible repayment terms of 12, 24, or 52 weeks
100% invoice advances available for approved transactions
No personal guarantee required for business financing
Premium tier offers fee discounts for qualified customers

Cost Structure:

Fundbox assesses fees per draw as a total percentage, typically starting around 4.66% for 12-week plans. Effective annual percentage rates often exceed 35%, with late payment fees and non-sufficient funds charges applying. For example, a $10,000 draw over 12 weeks would result in approximately $1,400 in fees.

Reviews consistently note that while expensive, Fundbox provides critical funding when traditional banks decline applications. The transparent fee structure and lack of hidden charges provide clarity despite the high costs relative to other alternatives.

For small B2B companies needing immediate working capital and able to manage the expense, Fundbox offers a viable alternative to traditional financing models. However, businesses seeking to offer net terms to their own customers would be better served by platforms like Resolve that provide buyer-focused financing rather than merchant capital.

Making the Right Choice for Your Business

The B2B financing landscape has evolved dramatically, with businesses increasingly prioritizing risk elimination, transparent pricing, and operational efficiency over traditional revenue-based financing models. While Libertas Funding maintains its position serving high-revenue businesses with substantial capital needs, modern alternatives offer compelling advantages for companies seeking to offer net terms to their buyers while protecting their own cash flow.

By Business Model:

B2B sellers offering net terms to buyers: Resolve (non-recourse protection, AR automation)
Businesses needing their own working capital: Slope or Balance (merchant financing with modern technology)
Marketplace operators: Balance (specialized e-commerce features)
Companies focused on AR efficiency: Versapay (automation without credit)
Businesses needing quick small capital: Fundbox (accessible but expensive)

Cost Comparison Framework:

Understanding total cost of financing requires evaluating both explicit fees and implicit risks. Resolve offers estimated flat fees of 2.6-3.5% for net 30 terms with complete non-recourse protection, meaning merchants never face collection risk on approved invoices. Libertas Funding uses factor rates of 1.15-1.30+ that translate to 15-30% effective annual costs with full recourse risk, requiring merchants to repay advances even if customers default. Traditional factoring typically charges 3-8% per invoice with partial recourse and potential damage to customer relationships through third-party collections.

Implementation Timeline Reality:

Hours to days: Resolve (with existing platform integrations)
1-2 days: Balance (developer-focused setup)
1-2 weeks: Slope (basic enterprise setup)
2-4 weeks: Versapay (including ERP integration)
48 hours: Libertas Funding (financing only, no software implementation)

The fundamental difference between Resolve and alternatives like Libertas Funding lies in the business model: Resolve enables businesses to offer net terms to their buyers while eliminating merchant risk, while Libertas provides working capital to the merchant themselves through revenue-based financing. This distinction makes Resolve particularly valuable for B2B sellers looking to increase sales through flexible payment terms without exposing themselves to credit risk.

For businesses seeking expert guidance on B2B payment platform selection and implementation, Resolve's support team provides hands-on assistance through account management and technical integration support.

Frequently Asked Questions

What is the difference between Resolve's non-recourse financing and Libertas Funding's model?

Resolve provides 100% non-recourse financing, meaning merchants face zero risk if approved buyers default on payment. All cash advances are non-recourse so what you get is always yours to keep. In contrast, Libertas Funding uses a full recourse model where merchants retain all credit risk, and their revenue-based financing requires repayment regardless of customer payment status. This fundamental difference makes Resolve ideal for businesses wanting to offer net terms to buyers without becoming the bank, while Libertas serves businesses needing their own working capital through traditional lending models.

How does Resolve's pricing compare to Libertas Funding's costs?

Resolve offers transparent flat fees estimated at 2.6–3.5% for Net-30 terms, with no hidden charges or trailing costs. Libertas Funding uses factor rates ranging from 1.15-1.30+ that translate to 15-30% effective costs, with pricing not disclosed until after application completion. For a $1,000 invoice with net 30 terms, Resolve would charge approximately $26-35 while Libertas's model would result in significantly higher effective costs. Additionally, Resolve's fees are invoice-specific while Libertas requires ongoing revenue-based repayments that can strain cash flow during slower business periods.

Can startups or small businesses qualify for Resolve when they can't meet Libertas's requirements?

Yes, Resolve serves businesses earning $10,000+ per month, compared to Libertas Funding’s $75,000+ minimum revenue requirement. Resolve evaluates buyer creditworthiness rather than merchant financials, making it accessible to newer businesses that have creditworthy customers. The platform offers free credit checks requiring only a customer's business name and address, delivering results within 24 hours. This buyer-focused approach enables even early-stage businesses to offer net terms to established customers, while Libertas's merchant-focused model requires substantial existing revenue and personal credit scores of 630+.

How quickly can I implement Resolve compared to setting up with Libertas Funding?

Resolve integrates within hours through native e-commerce and accounting connections, whereas Libertas Funding provides post-approval funding within roughly 48 hours but lacks software integration capabilities. Resolve's platform implementation includes credit automation, invoicing, payment processing, and collections management, whereas Libertas provides financing without operational software. For businesses using platforms like Shopify, BigCommerce, or QuickBooks, Resolve can be fully operational within a single business day, enabling immediate net terms offerings to customers.

Does Resolve help with accounts receivable management like collections and reminders?

Yes, Resolve provides complete AR automation that handles the entire receivables lifecycle. The platform automatically sends payment reminders, manages collections workflows, and processes payments through a branded portal accepting ACH, credit card, wire, or check. AI agents manage workflows and reduce friction in collections, while automated reconciliation ensures accuracy across all invoice structures. This comprehensive approach eliminates the manual overhead of AR management while maintaining customer relationships through white-label experiences, allowing businesses to focus on sales growth rather than collections 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.