While Lighter Capital has helped tech startups access non-dilutive funding since 2010, a new generation of B2B financing solutions offers faster, more flexible alternatives for businesses of all types. For B2B merchants specifically, Resolve provides a fundamentally different approach that addresses working capital needs through integrated net terms, AI-powered automation, and non-recourse financing—delivering cash in 1 day instead of 60 without the lengthy processes or high costs associated with traditional revenue-based financing.
The B2B financing landscape has evolved significantly, with modern platforms addressing the specific pain points that traditional revenue-based financing models like Lighter Capital weren't designed to solve. For businesses that sell to other businesses and need to offer flexible payment terms while protecting their cash flow, the alternatives are now more sophisticated and accessible than ever before.
Resolve emerges as the premier alternative to Lighter Capital for B2B merchants, offering a fundamentally different solution that addresses working capital needs through integrated net terms and accounts receivable automation. While Lighter Capital provides lump-sum growth capital repaid through revenue share, Resolve enables businesses to offer flexible payment terms to their buyers while getting paid upfront—creating a win-win scenario that drives sales growth without cash flow strain.
Core Capabilities:
Transparent Pricing Structure:
Resolve's unique value proposition lies in its integrated approach that combines embedded credit expertise, invoice financing, and payment processing into a single platform. Unlike Lighter Capital's revenue-based financing model that requires 2-8% of monthly revenue over 2-3 years, Resolve operates on a transaction basis with no ongoing revenue obligations. This makes it particularly attractive for businesses that want to offer net terms to increase sales without long-term financial commitments.
The platform's AI-powered automation reduces manual AR work by automating payment reminders, collections, and reconciliation across all invoice types—net terms, COD, or due upon receipt. Recent case studies demonstrate significant impact: companies have achieved 5x revenue growth, tripled their revenue through net terms, and unlocked working capital while increasing profit margins.
Resolve's credit underwriting leverages proprietary AI models and expertise from former Amazon and PayPal executives to deliver deeper insights than traditional bureaus. The platform is trusted by 12,000+ B2B businesses and provides free business credit checks with results delivered within 24 business hours.
Efficient Capital Labs offers a compelling alternative for SaaS companies with global operations, providing revenue-based financing with faster funding speeds than Lighter Capital. Founded around 2020, ECL has established a $100M debt facility and operates in 15+ countries, making it particularly attractive for businesses with international revenue streams.
Key Features:
Pricing Model:
ECL's global focus and faster funding timeline address two of Lighter Capital's main limitations, making it particularly suitable for SaaS companies with international operations or those needing capital more quickly. However, like Lighter Capital, ECL focuses on growth capital rather than transaction financing, so it doesn't provide the B2B BNPL capabilities that Resolve offers for merchants wanting to offer net terms to their customers.
Capchase stands out as the lowest-cost revenue-based financing alternative to Lighter Capital, offering the most competitive return caps in the market. Founded in 2020, the platform has quickly established itself as a leader in B2B SaaS financing with the ability to provide up to $10M in funding.
Platform Strengths:
Cost Structure:
Capchase's low-cost structure makes it particularly attractive for established SaaS companies that need significant growth capital but want to minimize their total cost of financing. However, like other revenue-based financing providers, Capchase doesn't offer the B2B BNPL capabilities that Resolve provides for merchants wanting to offer flexible payment terms to their customers while getting paid upfront.
Founderpath offers one of the fastest revenue-based financing alternatives to Lighter Capital, with approval and funding possible in under 24 hours. The platform caters to SaaS businesses with funding amounts up to $4M and flexible pricing options.
Key Advantages:
Pricing Options:
Founderpath's speed advantage addresses one of Lighter Capital's main criticisms—the lengthy 3-4 week funding timeline. However, the platform still operates within the revenue-based financing model, providing growth capital rather than the transaction financing and B2B BNPL capabilities that Resolve offers for merchants wanting to offer net terms to their customers.
Arc provides revenue-based financing with the highest funding limits in the market, offering up to $50M for qualified software startups. Founded in 2021, the platform has quickly established itself as a leader for companies needing significant growth capital.
Platform Features:
Financing Structure:
Arc's massive funding capacity makes it particularly suitable for later-stage software companies that have outgrown the limits of other revenue-based financing providers. However, like other RBF platforms, Arc focuses on growth capital rather than the transaction financing and B2B BNPL capabilities that Resolve provides for merchants wanting to offer flexible payment terms to their customers.
The critical distinction between Resolve and Lighter Capital alternatives lies in their fundamental business models and target use cases:
Lighter Capital and RBF Alternatives (ECL, Capchase, Founderpath, Arc):
Resolve Pay:
According to industry research from Arthur D. Little, B2B BNPL solutions like Resolve are experiencing significant growth as merchants recognize the sales conversion benefits of offering flexible payment terms. B2B BNPL providers often report meaningful lifts in conversion and order size; Resolve cites up to a 40% increase in average order value. While maintaining healthy cash flow through upfront payments to merchants. Additional research from the Federal Reserve shows that flexible payment options have become increasingly important in B2B transactions.
For businesses that need growth capital for expansion, the RBF alternatives to Lighter Capital provide viable options with varying cost structures, speed, and accessibility. However, for B2B merchants specifically looking to offer net terms to their customers while protecting their cash flow, Resolve provides a unique solution that none of the RBF providers can match.
Choosing between Lighter Capital alternatives depends entirely on your specific business needs and financing requirements:
Choose Resolve Pay if you:
Choose RBF alternatives (ECL, Capchase, Founderpath, Arc) if you:
Cost Comparison for $100K Capital Need:
For B2B merchants specifically, Resolve's transaction-based model eliminates the long-term revenue obligations associated with RBF while providing immediate working capital benefits through upfront payments on customer invoices.
Revenue-based financing (RBF) provides lump-sum capital that is repaid as a percentage of monthly revenue over time, typically 2-8% of monthly revenue until a predetermined return cap (usually 1.3-1.5x) is reached. Resolve's B2B BNPL model, on the other hand, provides transaction financing where merchants get paid upfront on customer invoices while customers pay on net terms (30-90 days). With Resolve, there are no ongoing revenue obligations—costs are tied directly to individual transactions rather than a percentage of all business revenue.
Resolve's non-recourse financing advances up to 100% of approved invoice values within 24 hours, while customers pay on net 30, 60, or 90-day terms. Unlike traditional factoring, Resolve maintains the merchant's customer relationship through a white-label payment portal and handles credit assessment, collections, and the majority of default risk. All cash advances are non-recourse, meaning what you receive is always yours to keep regardless of customer payment outcomes.
Offering B2B net terms can increase sales volume and customer retention by enhancing buyer purchasing power and loyalty. Customers can place larger orders and purchase more frequently when they have flexible payment options. According to industry research, B2B BNPL can improve conversion rates by 40%+ while Resolve's platform ensures merchants get paid upfront without cash flow strain.
Resolve advances payment on approved invoices within 24 hours, with some purchases up to $25,000 qualifying for instant approvals. This means you can get paid in 1 day instead of waiting 30, 60, or 90 days for customer payments. The platform's real-time credit decisioning at checkout ensures minimal delays in the approval process.
Yes, all cash advances from Resolve are non-recourse, meaning the funding you receive is always yours to keep regardless of whether your customers ultimately pay their invoices. Resolve takes on the credit assessment, credit decision, and the majority risk of late payments or defaults, making it a secure solution for merchants wanting to offer net terms to their customers.
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.