For B2B businesses, traditional microlenders like LiftFund solve one problem: providing a lump sum of capital. But what if your real challenge is extending net terms to customers without sacrificing your cash flow or taking on credit risk? This is where modern B2B payment platforms like Resolve offer a superior, purpose-built solution. While LiftFund excels at long-term business loans for equipment or expansion, Resolve provides B2B payment financing that lets you offer flexible net terms (30–90 days) while you get paid in as little as 1 day—with zero recourse or bad-debt exposure
Resolve is not just an alternative to LiftFund; it's a solution for a different, critical business need. LiftFund provides capital you must repay. Resolve provides a way to grow your B2B sales by offering net terms to your customers while you get paid immediately and without risk. This makes Resolve the premier choice for B2B companies whose growth is constrained by cash flow tied up in receivables.
Why Choose Resolve Over a Traditional Loan?
Traditional lenders like LiftFund give you a lump sum that creates a debt on your balance sheet, which you must repay with fixed monthly payments regardless of your sales performance. Resolve, on the other hand, is a non-recourse invoice advancement service. You only get funding when you make a sale, and Resolve takes on the credit risk of your customer. If your customer never pays, you aren't on the hook. This aligns the financing perfectly with your business cycle.
Key Features:
Pricing That Scales With Your Business:
Resolve's fees are transparent and based on the risk of the invoice and the term length. Public examples show fees of 2.61% on net terms and up to 3.5% for a 100% advance. There are no monthly minimums, setup fees, or hidden charges.
For a business processing $100,000 in B2B invoices monthly, the cost is directly tied to sales. More importantly, the value extends far beyond the fee. A Resolve user can eliminate the risk of bad debt, which represents an estimated average cash-flow drag, save 20-40 hours per month on AR management, and increase their average order value by 30-60% by offering flexible payment terms.
Resolve has been trusted by over 15,000 businesses and is backed by leading investors. It's the easiest way to increase your customers' buying power via credit lines and net payment terms while protecting your own cash flow.
Kiva U.S. offers a unique model among microlenders: crowdfunded, zero-percent-interest loans. This makes it an attractive option for startups or businesses that can afford to wait for funding and have a strong social network to support their crowdfunding campaign.
How It Works:
A business applies for a loan of up to $15,000. If pre-approved, the loan request is posted on Kiva's platform where a network of 5 to 35 friends, family, or other contacts must first endorse the loan. After that, the general public can contribute to fund the loan. This entire process, from application to funding, can take up to 8 weeks (45 days for crowdfunding).
Pros:
Cons:
Kiva is best for a very specific use case: a business that needs a small amount of capital, has no other financing options due to a lack of credit history, and can patiently wait for funding. It does not provide any of the AR management, payment processing, or sales enablement features a B2B company would get from Resolve.
Accion Opportunity Fund is a nationwide nonprofit Community Development Financial Institution (CDFI) that focuses on providing both capital and coaching to small businesses, particularly those owned by women, people of color, and immigrants.
What They Offer:
Accion provides microloans from $5,000 to $350,000 with a mission to support entrepreneurs who are often overlooked by traditional banks. Their interest rates range from 8.49% to 28.99% APR. A key differentiator is their extensive business support services, including free financial coaching, mentoring, and educational resources.
Pros:
Cons:
Accion is a strong choice for a small business owner who not only needs capital but also seeks guidance and support to build a sustainable company. However, it doesn't address the specific B2B need of managing net terms or accelerating receivables.
The U.S. Small Business Administration's (SBA) Microloan Program is the gold standard for low-cost, government-backed small business financing. It's not a direct lender but works through a network of mission-based, nonprofit community lenders.
The Offering:
The SBA provides funds to these intermediary lenders, who then make loans of up to $50,000, with the average loan being around $16,000. The interest rates from these lenders are typically between 8% and 13%, making it one of the most affordable financing options available.
Pros:
Cons:
The SBA Microloan Program is an excellent resource for a startup or small business that needs affordable, long-term capital for a one-time expense like equipment or inventory and can afford to wait for the funding. It is not a tool for managing ongoing B2B payment terms or improving day-to-day cash flow from sales.
Credibly is an online alternative lender that specializes in providing fast working capital to established small businesses, even those with less-than-perfect credit.
The Offering:
Credibly offers two main products: a business loan and a merchant cash advance (MCA). Their loans range from $5,000 to $600,000 and can be funded as quickly as the same day or within 24 hours of approval. Their main appeal is speed and accessibility, with a minimum credit score of just 500-550.
Pros:
Cons:
Credibly is best used for an established business with an urgent, short-term cash flow need. Its high cost and aggressive repayment schedule make it a different financing model compared to the sales-aligned financing approach of Resolve.
The "best" LiftFund alternative depends entirely on your specific business needs.
For most B2B companies focused on scalable growth, the future of financing is embedded in the sales process itself. This is the core promise of Resolve's B2B platform: to unlock your sales potential and protect your cash flow simultaneously.
LiftFund is a Community Development Financial Institution (CDFI) that provides traditional term loans for business expansion, equipment, or working capital. You receive a lump sum and repay it with fixed monthly payments over several years. Resolve is a B2B payment platform that provides non-recourse invoice advancement. You get paid on your B2B sales in 1-2 days while your customer gets 30, 60, or 90 days to pay. Resolve assumes the credit risk. They solve fundamentally different problems.
A true startup with no revenue is unlikely to qualify for debt financing from lenders like LiftFund or Credibly, as they typically require a track record of sales and cash flow. The best options are usually Kiva U.S., which doesn't require a credit score or revenue, or equity financing from angel investors or venture capital. Resolve is designed for businesses that are already making B2B sales and need to manage their receivables, so it requires an existing sales history.
A B2B payments platform like Resolve is directly tied to your sales cycle. It doesn't create a debt on your balance sheet. Instead, it accelerates your cash flow from existing sales. Key benefits include non-recourse protection, which eliminates bad debt risk; AR automation that saves significant time; and the ability to offer net terms at checkout, which directly drives sales growth. Traditional online lenders like Credibly provide a one-time lump sum that must be repaid on a rigid schedule, which can strain cash flow during slow periods.
Offering net terms, like Net 30 or Net 60, can significantly increase your sales and average order value by making it easier for customers to buy. However, it ties up your cash flow for weeks or months, which can be a serious problem for growing businesses. The primary risk is bad debt—if a customer defaults, you lose the sale amount. This is why using a service like Resolve is so powerful. Resolve pays you upfront on those net terms invoices and takes on the risk of late payments or defaults, effectively turning your accounts receivable into immediate, risk-free working capital.
Yes, several lenders focus on supporting women entrepreneurs. Grameen America is a microlender that exclusively serves women. Accion Opportunity Fund and other CDFIs like LiftFund also have a strong focus on providing capital and coaching to women-owned businesses. In addition to loans, women business owners can explore non-dilutive grant opportunities from various private and public sources.
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.