NewtekOne (Newtek Lending) Alternatives

While NewtekOne serves as a major SBA-focused lender; the company reports approving over $2 billion in business loans, B2B businesses seeking faster, more flexible payment solutions are turning to modern alternatives. Resolve Pay leads this shift by enabling companies to offer net terms and grow revenue while receiving payment in 24 hours—eliminating the weeks-long wait times and opaque pricing that characterize traditional lending.

Key Takeaways

• Transform net terms into immediate cash flow: Resolve advances up to 100% of invoice value within 24 hours while your customers pay in 30-90 days, with non-recourse protection eliminating all credit risk
• AI-powered credit decisions in minutes: Modern platforms deliver instant approvals up to $25,000 compared to NewtekOne's weeks-long underwriting process, accelerating sales cycles dramatically
• Complete AR automation replaces manual processes: From invoicing to AI-powered collections to auto-reconciliation, modern solutions reduce manual work by up to 90%
• Transaction-based pricing eliminates per-user fees: Resolve's transparent 2.61%-5.21% fees based on terms avoid the escalating costs of platforms like Bill.com that charge $45-$89 per user monthly
• E-commerce integration drives measurable growth: Embedded net terms at checkout increases average order value by 40% and drives 20% year-over-year sales growth
• Superior customer satisfaction: Resolve maintains an excellent 4.8/5 TrustPilot rating from 672 reviews, compared to NewtekOne's mixed reviews and Bill.com's chronic support issues

1. Resolve Pay — Non-Recourse Net Terms Financing Built for B2B Growth

Resolve Pay stands as the premier NewtekOne alternative by solving the core B2B payment paradox: enabling businesses to offer competitive net terms while receiving immediate payment. With over 15,000 businesses served, Resolve transforms Net 30/60/90 terms into Net 1 cash flow through its unique non-recourse financing model.

Key Features:

• 100% non-recourse advances with zero merchant risk
• AI-powered credit decisions up to $25,000
• Net 30, 60, or 90-day payment terms for buyers
• Payment within 24 hours of invoice approval
• Transparent fees: 2.61% (30-day), 3.91% (60-day), 5.21% (90-day)
• QuickBooks and ERP integration
• White-label payment portal accepting ACH, credit card, wire, and check

Proven Business Impact:

The platform's unique approach delivers measurable results: customers report 5x revenue growth, 40% increase in average order value, 2x purchasing power, and 50% increase in repeat buyers. The AI-powered AR automation reduces manual work by up to 90%, with auto-reconciliation eliminating hours of bookkeeping.

Unlike traditional lenders that require established credit history and collateral, Resolve evaluates thousands of buyer data points through proprietary AI models. This enables approvals in minutes to 24 hours versus NewtekOne's weeks-long timeline. The platform's e-commerce integrations with Shopify, BigCommerce, WooCommerce, and Magento allow buyers to apply for net terms at checkout, creating a frictionless B2B buying experience.

Resolve's transaction-based pricing eliminates monthly fees and per-user costs that make platforms like Bill.com expensive at scale. With an excellent 4.8/5 TrustPilot rating from 672 reviews, Resolve consistently receives praise for its streamlined processes, fast approvals, and transparent account visibility.

Understanding the B2B Payment Challenge

The B2B payments landscape has evolved beyond traditional lending models. According to the U.S. Small Business Administration, traditional SBA loans through lenders like NewtekOne serve an important role for established businesses seeking long-term capital investments. However, these loans don't address the fundamental cash flow dilemma faced by B2B sellers who need to offer competitive net terms while maintaining healthy working capital.

Research from the Federal Reserve indicates that B2B payment terms have extended significantly over the past decade, with net 30-60 day terms becoming standard expectations. This creates a critical gap: sellers must wait 30-90 days for payment while still covering operational expenses, payroll, and inventory costs. Modern platforms address this challenge through innovative financing structures that separate the buyer's payment timeline from the seller's cash flow needs.

Independent research shows that businesses using AI-powered credit decisions see approval rates increase by 20-30% while maintaining or reducing default rates, driving the shift toward technology-first solutions. The automation of accounts receivable processes can reduce DSO (Days Sales Outstanding) by up to 40%, according to industry studies on AR automation benefits.

2. BlueVine — Integrated Banking and Credit for Established Businesses

BlueVine offers a compelling alternative for businesses seeking integrated banking and credit services. Founded in 2013, the platform combines high-yield business checking accounts with flexible credit access through lines of credit up to $250,000.

Platform Strengths:

• Instant funding for existing checking account customers
• 5-minute credit decisions for qualified applicants
• High-yield business checking with integrated credit
• QuickBooks and Xero integration
• Lines of credit up to $250,000

Eligibility Requirements:

BlueVine's requirements include a minimum 625 FICO score, 12+ months in business, and $10,000+ in monthly revenue. This makes it accessible for many established businesses seeking banking and credit integration.

While BlueVine provides fast decisions and funding, it lacks Resolve's unique net terms financing capability. BlueVine offers traditional lines of credit rather than enabling sellers to offer extended payment terms to their customers while receiving immediate payment.

3. Fundbox — Accessible Working Capital for Newer Businesses

Fundbox occupies a unique niche by providing working capital to businesses that traditional lenders often overlook. Since 2013, the platform has provided funding to businesses as young as 2-3 months old with minimum 600 FICO scores.

Accessibility Advantages:

• Accepts businesses with 600+ FICO scores
• Minimum 2-3 months in business
• Next-day funding typical
• Lines of credit up to $150,000
• Accounting software integration

Pricing Structure:

Fundbox's rates are not publicly disclosed, requiring direct contact for pricing information. While accessible, the platform offers limited product scope compared to Resolve's comprehensive net terms and AR automation solution.

Fundbox serves businesses needing temporary cash flow relief but doesn't address the fundamental B2B payment challenge of offering competitive terms while maintaining cash flow. Unlike Resolve's non-recourse financing, Fundbox provides traditional lines of credit that don't enhance buyer purchasing power.

4. OnDeck — Same-Day Emergency Funding

OnDeck has established itself as the industry leader for same-day emergency funding, having served over 150,000 businesses since 2006. The platform excels at providing immediate capital when businesses face urgent cash flow needs.

Speed Advantages:

• Same-day funding in most cases
• 24/7 access to revolving credit lines
• Minutes to same-day approval decisions
• Prepayment and loyalty benefits
• Lines of credit up to $250,000

Business Requirements:

OnDeck requires $100,000+ annual revenue, making it suitable for established businesses with significant cash flow needs. While excellent for emergency funding, OnDeck operates on a traditional lending model without the net terms financing or AR automation capabilities that Resolve provides.

The platform's strength lies in speed and reliability for traditional lending needs, but it doesn't solve the B2B seller's dilemma of offering competitive payment terms while maintaining healthy cash flow.

5. Bill.com — Traditional AP Automation with Escalating Costs

Bill reported serving 493,800 businesses as of the end of Q4 FY2025 through its comprehensive AP and AR automation platform. The publicly traded company offers robust vendor payment workflows and approval chains.

Platform Features:

• Automated invoice capture and matching
• Customizable approval workflows
• Multiple payment methods (ACH, check, wire, credit card)
• Accounting software integrations
• Vendor payment management

Cost Considerations:

Bill.com's per-user pricing charges $45-$89 per user monthly, creating escalating costs as teams grow. The platform has received support complaints and lacks credit or financing capabilities.

While Bill.com offers solid AP automation, it provides no solution for the cash flow challenges of net terms. Unlike Resolve's 24-hour advances, Bill.com processes standard ACH payments with typical 1-3 day delays, offering no relief for businesses waiting on customer payments.

The Fundamental Difference: Net Terms Financing vs. Traditional Lending

The key distinction between Resolve Pay and traditional lenders like NewtekOne lies in their approach to B2B commerce. NewtekOne provides traditional loans and SBA financing for established businesses with collateral, requiring weeks for approval and funding. Resolve Pay provides net terms financing that enables businesses to offer competitive payment terms (30/60/90 days) to their customers while receiving payment within 24 hours.

This difference is transformative for B2B sellers:

Cash Flow Impact:

• Resolve Pay: Get paid in 24 hours while customers pay in 30-90 days
• NewtekOne: Wait weeks for loan approval, then receive lump sum requiring repayment regardless of customer payment status

Risk Management:

• Resolve Pay: Non-recourse financing means seller keeps 100% of advanced funds regardless of customer payment
• NewtekOne: Traditional loans require repayment even if customers default

Business Growth:

• Resolve Pay: 40% AOV increase and 20% YoY growth through competitive net terms offerings
• NewtekOne: Limited impact on B2B sales processes; primarily provides working capital

Implementation Speed:

• Resolve Pay: Days to implement with e-commerce and ERP integrations
• NewtekOne: Weeks to months for loan approval and funding

Making the Right Choice for Your Business

For B2B companies evaluating NewtekOne alternatives, the choice depends on your specific needs:

Choose Resolve Pay when you need:

• To offer net terms while maintaining cash flow through non-recourse advances
• AI-powered decisions in minutes or hours
• Complete AR automation from invoicing to collections
• E-commerce integration for B2B sales growth
• Transaction-based pricing without per-user fees

Choose NewtekOne when you need:

• Large SBA loans ($1K-$15M) with long repayment terms (up to 25 years)
• Established business services ecosystem (banking, merchant services, insurance)
• Willingness to wait weeks for funding approval

Total Cost of Ownership Comparison:

For a B2B business processing $500K annually in Net 30 invoices:

• Resolve Pay: Around $13,050 annually (2.61% on $500K) plus cash flow acceleration worth $500K
• Bill.com: $540-$1,068 annually for 5 users plus transaction fees with no cash flow acceleration
• NewtekOne: Pricing not transparent; requires direct contact

The data clearly supports Resolve Pay as the superior choice for B2B businesses seeking to grow sales through competitive net terms while eliminating cash flow delays and credit risk. With proven business impact, superior satisfaction, and modern integrations, Resolve represents the future of B2B payments.

Frequently Asked Questions

What are the key differences between Newtek Lending and Resolve's B2B payment solutions?

Newtek Lending provides traditional SBA loans and business banking services requiring weeks for approval and funding, while Resolve offers non-recourse financing that pays sellers within 24 hours while customers pay in 30-90 days. Resolve eliminates credit risk through its non-recourse model, whereas Newtek loans require repayment regardless of customer payment status. Resolve's AI-powered decisions deliver approvals in minutes to hours versus Newtek's weeks-long timeline.

How can Resolve help my business get paid faster and reduce risk?

Resolve advances invoice value up to 100% within 24 hours on approved customer invoices, transforming Net 30/60/90 terms into immediate cash flow. The platform's non-recourse financing means you keep 100% of advanced funds regardless of customer payment, eliminating bad debt risk. Resolve's AI-powered automation reduces manual work by up to 90% through automated invoicing, collections, and reconciliation.

What are the fees associated with Resolve's net terms and invoice advance services?

Resolve's transparent fee structure is based on payment terms: 2.61% for 30-day terms, 3.91% for 60-day terms, and 5.21% for 90-day terms. There are no monthly fees, setup costs, or per-user charges. Fees are applied only to approved invoices, making the pricing model scalable and predictable compared to platforms like Bill.com that charge $45-$89 per user monthly.

How does Resolve's credit assessment process work for my customers?

Resolve's AI-powered engine evaluates thousands of buyer data points to deliver instant approvals up to $25,000 or decisions within 24 hours for larger amounts. The process requires only your customer's business name and address, with discreet credit checks that don't require customer interaction. Approved customers receive dedicated credit lines that they can use for future purchases.

What integrations does Resolve offer for my existing accounting or e-commerce platforms?

Resolve offers seamless integrations with QuickBooks Online, NetSuite, Shopify, BigCommerce, WooCommerce, and Magento. The platform's auto-reconciliation automatically records and syncs all transactions to your accounting software, eliminating manual bookkeeping. E-commerce integrations enable buyers to apply for net terms at checkout with instant or 24-hour approval decisions.

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.