Mantis Funding Alternatives: Better B2B Payment Solutions

While Mantis Funding provides revenue-based financing for small businesses, companies seeking to offer B2B net terms while protecting their cash flow are finding superior alternatives. Resolve Pay stands out with its 100% non-recourse model, AI-powered underwriting, and complete accounts receivable automation—transforming how businesses extend credit to customers without assuming risk. The B2B payments landscape has evolved significantly in 2025, with businesses increasingly seeking solutions that not only provide financing but also enhance customer relationships and streamline operations. While Mantis Funding serves a specific need for working capital, companies looking to offer net terms to their B2B customers require a more comprehensive approach that balances risk management with sales growth. Industry research shows the global real-time payments market continuing its rapid expansion, driving innovation in B2B payment solutions that prioritize embedded finance, automation, and risk mitigation.

Key Takeaways

• Non-recourse financing eliminates credit risk: Resolve provides 100% non-recourse financing on approved, non-disputed invoices with zero merchant risk, unlike Mantis Funding's recourse model that places full repayment responsibility on the business
• Complete AR automation saves significant time: Resolve's platform automates the entire receivables workflow—invoicing, collections, payments, and reconciliation—saving 14+ hours weekly compared to Mantis Funding's financing-only approach
• Transparent, predictable pricing: Resolve uses flat fee pricing (typically 2.6-3.5% for Net-30) versus Mantis Funding's undisclosed factor rates that can translate to extremely high effective APRs
• B2B-focused underwriting: Resolve evaluates your customers' creditworthiness to approve net terms, while Mantis Funding assesses your business for working capital loans
• E-commerce integration advantage: Resolve offers native integrations with Shopify, BigCommerce, WooCommerce, and Magento, enabling B2B sellers to offer net terms at checkout—something Mantis Funding doesn't provide
• Faster implementation with immediate ROI: Resolve can be implemented in hours to days versus the lengthy processes of traditional financing, with businesses reporting 40% increases in average order value

1. Resolve Pay — The Modern Alternative to Revenue-Based Financing

Resolve Pay represents the evolution beyond traditional revenue-based financing like Mantis Funding, specifically designed for B2B businesses that want to offer net terms to customers while protecting their cash flow. Backed by PayPal co-founder Max Levchin and built by experts from Amazon and Fortune 500 companies, Resolve combines embedded credit expertise, invoice financing, and payment processing into a single platform.

Key Features:

• 100% non-recourse financing on approved, non-disputed invoices with zero merchant risk
• AI-powered credit decisions in 24 hours or less
• Net 30, 60, or 90-day payment terms for your customers
• Up to 100% advance payment within 1-2 days
• Transparent flat fees (typically 2.6-3.5% for Net-30)
• Complete AR automation with AI agents managing collections
• Native integrations with QuickBooks, Shopify, BigCommerce, Magento, and more
• White-label buyer payment portal accepting ACH, credit card, wire, or check

Pricing Structure:

• Flat fee per invoice based on term length and risk (2.6-3.5% for Net-30)
• No monthly minimums or hidden charges
• Custom enterprise pricing available

Resolve's platform directly addresses the limitations of revenue-based financing providers like Mantis Funding. While Mantis provides working capital for your own operations with daily repayment obligations, Resolve finances your customer invoices and assumes the credit risk. This fundamental difference means Resolve customers never face the "daily payment pressure" that is a frequent complaint in Mantis Funding reviews.

The platform's AI-powered automation reduces manual work by 90%, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Businesses using Resolve report significant benefits: 40% increases in average order value, 20% year-over-year sales growth, and DSO reduction to just 1 day compared to the industry average of 30-60 days.

Unlike Mantis Funding, which operates solely as a financing provider with no software integrations, Resolve functions as a complete B2B payment platform that enhances customer relationships while streamlining complex workflows. Resolve has described a combined $60M asset + equity financing in early 2021, and later announced an additional $25M equity round led by Insight Partners (with participation from existing investors including Initialized Capital and Commerce Ventures).

How Resolve's Credit Evaluation Differs:

One of Resolve's most significant advantages is its B2B-focused credit evaluation approach. Traditional revenue-based lenders like Mantis Funding assess your business's financial health, revenue consistency, and creditworthiness to determine lending amounts and repayment terms. This means your own business performance directly impacts your ability to access capital.

Resolve takes a fundamentally different approach by evaluating your customers' creditworthiness instead. When you want to offer net terms to a buyer, Resolve's AI analyzes thousands of data points about that specific customer's business—payment history, financial stability, industry trends, and credit profile—to make approval decisions within 24 hours. This customer-focused underwriting model means your ability to offer competitive payment terms isn't constrained by your own business metrics, opening opportunities to serve more customers with flexible payment options.

This distinction becomes particularly valuable for growing businesses that may have strong customer relationships and sales pipelines but haven't yet built the financial track record that traditional lenders require. With Resolve, you can extend credit based on your customers' strength, not just your own.

2. Lighter Capital — Non-Dilutive Funding for Tech Companies

Lighter Capital specializes in providing non-dilutive growth capital specifically for SaaS and technology companies. Founded in 2010 and headquartered in Seattle, the company has established itself as a leader in revenue-based financing for the tech sector.

Platform Strengths:

• Funding amounts up to $4 million for established tech companies
• Non-dilutive capital without giving up equity
• Repayment based on monthly revenue (typically 1.3-1.5x cap)
• Partner perks including software discounts and investor introductions
• Focus on SaaS metrics and recurring revenue models

Considerations:

• Slow approval process (3-4 weeks from application to funding)
• High revenue requirements (often $1M+ ARR)
• Limited to US, Canada, and Australia
• No AR automation or payment processing features
• Not designed for offering net terms to customers

Lighter Capital serves a different market segment than Resolve, focusing on providing substantial growth capital to established tech companies rather than enabling B2B sellers to offer net terms to their customers. While Lighter's non-dilutive model appeals to SaaS founders wanting to avoid equity dilution, it doesn't address the accounts receivable challenges that B2B sellers face.

For businesses specifically looking to finance their own operations rather than manage customer receivables, Lighter Capital offers a viable alternative to Mantis Funding with potentially better terms for qualifying tech companies. However, companies seeking to enhance their B2B customer experience with net terms will find Resolve's platform more aligned with their needs.

3. Fundbox — Quick Capital for Very Small Businesses

Fundbox occupies a distinct niche providing credit lines from $100 to $250,000 for small businesses with minimal eligibility requirements. Since 2013, the platform has focused on providing fast access to capital for businesses that might not qualify for traditional financing.

Accessibility Advantages:

• Instant decisions with funding in minutes to days
• Low eligibility requirements ($30K annual revenue, 3 months in business)
• Accepts lower credit scores (minimum 600)
• Simple application process with minimal documentation
• Available in all 50 states

Cost Considerations:

• High APR range (36-99%)
• Short repayment terms (3-26 months)
• Lower funding limits ($250K maximum)
• No AR automation or net terms capabilities
• Recourse financing with full merchant liability

Reviews consistently note that while Fundbox provides critical access to capital for very small businesses, the high effective APR makes it expensive compared to other options. For businesses with minimal revenue that need quick working capital for their own operations, Fundbox offers a viable if costly alternative to Mantis Funding.

However, companies looking to offer net terms to B2B customers will find Fundbox's model misaligned with their needs, as it provides capital to the business itself rather than financing customer invoices. Resolve's platform specifically addresses this gap by enabling businesses to extend credit to customers while receiving immediate payment.

4. Bluevine — Traditional Lines of Credit with Low APR

Bluevine offers business lines of credit and invoice factoring services with competitive APR rates. The company distinguishes itself with some of the lowest starting APR rates in the industry and substantial funding limits.

Competitive Advantages:

• Lowest APR floor (starting at 7.8% for lines of credit)
• High funding limits ($200K for lines, up to $5M for invoice factoring)
• Same-day funding available (with $15 wire fee)
• Established track record since 2013
• BBB A+ rating

Limitations:

• State restrictions (not available in Nevada, North Dakota, South Dakota)
• Higher revenue requirements ($120K annual minimum)
• No AR automation platform
• Recourse financing with merchant liability
• No e-commerce integrations or net terms capabilities

Bluevine serves businesses seeking traditional financing products with competitive rates, but like other alternatives, it focuses on providing capital to the business rather than enabling net terms for customers. For companies prioritizing low APR on working capital lines, Bluevine offers advantages over Mantis Funding's undisclosed factor rates. However, businesses looking to enhance their B2B customer experience with embedded net terms will find Resolve's specialized platform more suitable.

5. Capchase — B2B SaaS Payment Specialist

Capchase focuses exclusively on B2B SaaS companies, offering revenue-based financing optimized for recurring revenue models. Founded in 2020 and based in New York, the company has positioned itself as a specialist in the SaaS financing space.

Specialized Features:

• Optimized for SaaS recurring revenue models
• CRM integrations with Salesforce
• Focus on customer lifetime value metrics
• Non-dilutive capital without equity dilution
• Higher funding amounts for qualifying SaaS companies

Considerations:

• Limited to B2B SaaS companies
• No public pricing information (must contact sales)
• Recourse financing with merchant liability
• No AR automation or payment processing
• Limited integrations beyond CRM

Capchase serves a narrow but important market segment, providing specialized financing for SaaS companies that understand their unique metrics and needs. However, like other alternatives, it doesn't address the fundamental need of B2B sellers to offer net terms to customers while protecting cash flow. For SaaS companies specifically seeking working capital for their own operations, Capchase offers a viable alternative to Mantis Funding. For businesses looking to enhance their B2B customer payment experience, Resolve's platform provides a more comprehensive solution.

Why B2B Businesses Are Moving Beyond Revenue-Based Financing

The shift from traditional revenue-based financing to modern B2B payment platforms reflects evolving business needs. While Mantis Funding and similar providers address the need for working capital, they don't solve the core challenge B2B sellers face: how to offer competitive net terms to customers without jeopardizing cash flow or assuming credit risk.

The Fundamental Difference:

• Revenue-Based Financing (Mantis Funding): Provides capital to your business based on your revenue, with daily/weekly repayments that can strain cash flow during slow periods
• B2B Payment Platforms (Resolve): Finances your customer invoices, pays you immediately, and assumes the credit risk while your customers pay on Net 30-90 terms

This distinction is crucial for B2B businesses that want to grow sales by offering net terms while maintaining healthy cash flow. Resolve's non-recourse model eliminates the bad debt risk that keeps finance teams awake at night, while its AR automation platform reduces manual work by 90%.

Total Cost of Ownership Comparison:

For a business processing $100,000 in B2B invoices monthly:

• Resolve: ~$3,000 in fees + platform fee - $1,400 labor savings = ~$1,799 estimated net cost
• Mantis Funding: ~$10,000-15,000+ in factor rates + external AR software costs + full bad debt risk

The transparent pricing and comprehensive platform make Resolve's total cost of ownership significantly lower when accounting for labor savings, risk elimination, and sales growth impact.

Making the Right Choice for Your Business

For B2B companies evaluating Mantis Funding alternatives, the choice depends on your specific business model and objectives:

Choose Resolve Pay when you:

• Want to offer net terms to B2B customers to increase sales
• Need to eliminate credit risk on approved invoices
• Want to automate your entire AR workflow
• Sell through e-commerce platforms like Shopify or BigCommerce
• Need transparent, predictable pricing

Choose other alternatives when you:

• Need working capital for your own operations (not customer AR management)
• Are a SaaS company seeking non-dilutive growth capital (Lighter Capital, Capchase)
• Have very low revenue and need quick access to small amounts (Fundbox)
• Prioritize lowest APR on traditional lines of credit (Bluevine)

Implementation Timeline Reality:

• Resolve: Hours to days with native integrations
• Other alternatives: Varies, but typically focused on funding speed rather than platform implementation

For businesses specifically looking to enhance their B2B customer experience while protecting cash flow, Resolve Pay's comprehensive platform offers a superior alternative to traditional revenue-based financing like Mantis Funding.

Frequently Asked Questions

What is the main difference between traditional factoring and non-recourse invoice advancement?

Traditional factoring typically involves recourse financing where merchants remain liable if customers default, often requiring 5-20% fees and loss of customer relationship control. Non-recourse invoice advancement like Resolve's model eliminates merchant risk entirely on approved, non-disputed invoices—what you receive is always yours to keep, even if customers fail to pay. This fundamental difference transforms how businesses can safely extend credit to customers while protecting cash flow.

How does embedded finance benefit B2B businesses?

Embedded finance integrates financial services directly into B2B commerce workflows, enabling seamless net terms at checkout without redirecting customers to external financing applications. This enhances the customer experience, increases conversion rates, and drives larger average order values while maintaining brand consistency. For B2B sellers, embedded finance platforms like Resolve automate the entire credit-to-cash cycle, reducing manual work and accelerating cash flow.

What role does AI play in modern accounts receivable management?

AI transforms AR management by automating time-consuming tasks like payment reminders, collections, and reconciliation. Resolve's AI agents reduce manual AR work by 90%, while AI-powered credit decisions evaluate thousands of data points to approve more buyers faster. This automation not only saves significant labor costs but also reduces DSO to as little as 1 day compared to industry averages of 30-60 days, dramatically improving cash flow.

How quickly can Resolve typically advance payment on approved invoices?

Resolve typically advances payment on approved invoices within 1-2 business days. The platform's AI-powered credit decisions are delivered within 24 hours, and once approved, merchants receive up to 100% of their invoice value immediately while their customers maintain Net 30, 60, or 90-day payment terms. This rapid advance timeline enables businesses to maintain healthy cash flow without waiting for customer payments.

Are Resolve's credit checks extensive, and do they impact my customer's credit score?

Resolve's business credit checks are comprehensive but discreet, requiring only your customer's business name and address to deliver results within 24 business hours. These checks do not impact your customer's credit score as they are considered "soft inquiries" for business purposes. Resolve's experts—formerly of Amazon, PayPal, and Fortune 500 firms—deliver deeper credit insights than traditional bureaus by analyzing thousands of data points beyond standard credit reports.

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.