ONNX Funding Alternatives

While ONNX Funding offers merchant cash advances and term loans for businesses seeking working capital, B2B companies with invoice-based revenue are discovering superior alternatives that eliminate risk, reduce costs dramatically, and automate accounts receivable operations. From Resolve's 100% non-recourse financing to Fundbox's accessible credit lines, these platforms deliver the working capital solutions businesses need without the hidden costs and daily repayment burdens of traditional merchant cash advances.

Key Takeaways

Non-recourse financing eliminates all risk: Resolve provides 100% non-recourse financing, meaning merchants keep their advance even if customers default—unlike ONNX's recourse model where merchants remain liable
Dramatic cost savings: Resolve's transparent 2.61-3.5% flat fees versus ONNX's merchant cash advances with 40-100%+ effective APR
AI-powered credit decisions: Credit decisions in seconds using proprietary machine learning models
Complete AR automation included: Resolve's platform saves an estimated 14+ hours per week on accounts receivable tasks—financing plus operational efficiency
Enterprise-grade integrations: Resolve offers bi-directional ERP sync with Oracle, SAP, NetSuite, and QuickBooks versus ONNX's limited integration capabilities
Customer relationship preservation: Resolve's white-labeled payment portal maintains your brand while ONNX provides no customer-facing payment infrastructure

1. Resolve — The Complete B2B Payment Platform with 100% Risk Protection

Resolve emerges as the premier ONNX Funding alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Launched as an Affirm spinout in 2019, Resolve brings consumer fintech innovation to B2B payments with a platform that combines financing, credit underwriting, and accounts receivable automation into a single solution.

The B2B financing landscape has evolved dramatically, with automation and risk-managed financing becoming essential for growing companies. In general, invoice financing can be less expensive than merchant cash advances, but the true cost varies widely based on fees, repayment speed, and structure—especially for products priced with factor rates rather than APR. This cost difference has driven B2B companies to seek alternatives that better align with their payment cycles and operational needs.

Key Features:

100% non-recourse financing with zero merchant risk and liability
AI-powered credit decisions in seconds using proprietary machine learning models
Net 30, 60, or 90-day terms with flexible installment options
Up to 100% advance payment within 24 hours on approved invoices
Transparent flat-fee pricing ranging from 2.61-3.5% depending on advance percentage and risk
Extensive ERP integrations including QuickBooks, Oracle, NetSuite, SAP, and Microsoft Dynamics
White-labeled customer portal accepting ACH, credit card, wire, and check payments

Pricing Structure:

Fees range from 2.61-3.5% flat fee per net terms period—transparent and predictable
No monthly minimums, setup fees, or hidden charges
Credit card fees are passed on to buyers via the online payment portal
Custom pricing available for enterprise volumes

The platform's AI-powered reconciliation reduces manual work significantly, while its LLM-powered invoicing workflow automatically syncs transactions across systems. The platform is backed by notable investors including Initialized Capital, Commerce Ventures, and Affirm.

Unlike traditional financing options, Resolve maintains merchant control over customer relationships while eliminating collections burden. For B2B companies with $1M+ annual revenue, Resolve represents the most comprehensive alternative to ONNX Funding's merchant cash advances, offering risk-free financing that protects both cash flow and customer relationships.

2. Fundbox — Accessible Credit Lines for Small Businesses

Fundbox occupies a distinct niche providing credit lines from $1,000 to $250,000 for small businesses seeking accessible working capital. Since 2013, the platform has focused on serving businesses that may not qualify for traditional financing.

Platform Strengths:

Instant credit decisions with next-day funding
Credit lines up to $250,000 with flexible draw amounts
12, 24, or 52-week repayment terms
QuickBooks integration for seamless accounting
No personal guarantee required for qualified businesses
Minimal time in business requirements (as low as 3 months)

Pricing Considerations:

Fees typically range from 4.66% for 12-week plans to 8.99% for 24-week plans
Effective APR often exceeds 35%
$50 late payment fees plus potential NSF charges
Recourse model means merchants remain liable if customers don't pay invoices

While Fundbox provides critical funding access for small businesses, it lacks Resolve's non-recourse protection and comprehensive AR automation. The platform is better suited for businesses needing general working capital rather than invoice-specific financing with risk protection.

3. Bluevine — Banking Services with Financing Options

Bluevine combines business banking with financing options, offering a dual-service model that appeals to businesses seeking both payment processing and credit facilities.

Core Features:

Business checking accounts with no monthly fees
Lines of credit up to $250,000
Invoice factoring access may be offered via partner programs, and terms (including advance rates) vary by provider and applicant
QuickBooks integration for accounting synchronization
Same or next-day funding for approved applications
Mobile app for account management

Cost Structure:

Pricing varies by applicant and product; confirm current rates and terms before applying
Factoring fees vary widely based on invoice risk and structure; confirm current pricing with the provider
Recourse model requiring merchants to buy back unpaid invoices
Potential for additional fees on banking services

Bluevine's banking integration provides convenience, but it lacks Resolve's non-recourse protection and comprehensive AR automation platform. The recourse factoring model means businesses still bear the risk of customer defaults, unlike Resolve's complete risk elimination.

4. OnDeck — Established Fintech with Diverse Products

OnDeck represents one of the most established alternative lending platforms, acquired by Enova in 2020 after originating over $15 billion in loans. The platform offers both term loans and lines of credit with relatively flexible requirements.

Platform Capabilities:

Term loans up to $400,000 with terms from 3-36 months
Lines of credit up to $200,000 with revolving access
Approval decisions in 1-3 days
QuickBooks integration for financial data
Established track record with originated $15B+ in loans

Pricing Model:

APR-based pricing ranging from 30-80%
Origination fees typically 2.5-7.5% of loan amount
Prepayment penalties on some products
No invoice-specific financing options—general business loans only

OnDeck's established presence provides reliability, but it doesn't offer the invoice-specific financing that B2B businesses need. Unlike Resolve, OnDeck provides general working capital without AR automation or non-recourse protection for specific customer invoices.

5. Rapid Finance — Merchant Cash Advance Provider

Rapid Finance specializes in merchant cash advances, serving businesses that need immediate access to capital based on future credit card sales.

Service Features:

Fast funding may be available for approved applicants (timelines vary)
Cash advances up to $500,000
Repayment through daily or weekly percentage of credit card sales
Established MCA provider serving a wide range of small businesses
Accepts businesses with lower credit scores

Cost Structure:

Factor rates ranging from 1.15-1.5
Effective APR of 40-350%
Daily payment burden that can strain cash flow
No non-recourse protection or AR automation

Rapid Finance serves a specific need for retail businesses with consistent credit card sales, but it's poorly suited for B2B invoice-based businesses. The daily repayment structure doesn't align with B2B payment cycles, and the lack of non-recourse protection leaves merchants exposed to customer default risk.

6. Forward Financing — Flexible MCA Options

Forward Financing offers merchant cash advances and short-term loans with flexible qualification requirements, particularly for businesses with lower credit scores.

Platform Strengths:

May work with lower credit profiles than traditional lenders (minimums vary by product and applicant)
Same-day approval decisions
Cash advances up to $500,000
Loan terms from 3-18 months
Minimal documentation requirements

Pricing Details:

Factor rates from 1.1-1.5
Effective APR of 40-150%
Daily or weekly repayment structure
Recourse model with full merchant liability

Like other MCA providers, Forward Financing addresses immediate cash needs but at a high cost. The platform doesn't serve B2B invoice-based businesses effectively, lacking the payment terms and risk protection that Resolve provides specifically for B2B commerce.

7. Traditional Invoice Factoring Companies

Traditional invoice factoring companies represent the legacy alternative to modern platforms like Resolve, offering recourse-based financing with limited technology integration.

Typical Features:

Invoice advances of 70-90% of face value
Recourse model requiring merchants to buy back unpaid invoices
Manual underwriting processes taking days or weeks
Limited technology integration capabilities
Notification factoring that exposes the financing arrangement to customers

Cost Structure:

Monthly fees ranging from 2-10%
Effective APR of 24-120% annually
Weekly or monthly service fees
Potential hidden charges and minimum volume requirements

Traditional factoring lacks the technology sophistication, non-recourse protection, and customer experience that modern platforms provide. Unlike Resolve's white-labeled payment portal that maintains merchant branding, traditional factoring often requires notifying customers of the arrangement, potentially damaging business relationships.

Why B2B Businesses Are Switching from ONNX Funding to Resolve

The shift from ONNX Funding's merchant cash advances to Resolve's non-recourse invoice financing reflects fundamental differences in business models and risk management. Merchant cash advances create daily repayment burdens that don't align with B2B payment cycles, while Resolve's net terms financing mirrors natural B2B commerce patterns.

Cost Comparison Reality:

For a B2B company with $100,000 in monthly invoices:

Resolve: $2,610-$3,500 monthly (2.61-3.5% flat fee)
Merchant cash advance (illustrative): MCAs are often quoted using factor rates. For example, a 1.30 factor rate means repaying $130,000 on a $100,000 advance (a $30,000 total cost). The effective APR depends on fees and how quickly repayment is collected.

For a B2B company with $100,000 in monthly invoices:

Operational Efficiency Gains:

Beyond cost savings, Resolve delivers significant operational improvements:

Estimated 14+ hours saved weekly on AR tasks
Significantly faster credit decisions compared to traditional underwriting
Substantial reduction in reconciliation time through bi-directional ERP integration
Complete collections management eliminating internal AR burden

Customer Relationship Benefits:

Resolve's white-labeled approach preserves customer relationships while ONNX provides no customer-facing infrastructure. B2B buyers appreciate the professional payment portal and flexible payment options, leading to higher customer retention and larger order sizes.

Making the Right Choice for Your B2B Business

For B2B companies evaluating ONNX Funding alternatives, the choice depends on your specific business model and financing needs:

Choose Resolve when you:

Have B2B invoice-based revenue with $1M+ annual revenue
Want to eliminate all risk of customer defaults through non-recourse financing
Need transparent, predictable pricing without hidden fees
Want to offer competitive net terms to customers while maintaining cash flow
Require comprehensive AR automation to reduce manual work
Need enterprise-grade ERP integrations

Consider ONNX Funding when you:

Need large term loans up to $7.5M for major capital expenditures
Require commercial real estate financing
Operate a retail business with consistent daily credit card sales
Have exhausted all other financing options due to poor credit

Cost Comparison for $1.2M Annual B2B Invoices:

Resolve: $31,320-$42,000 annually (2.61-3.5% flat fee)
ONNX Funding (MCA estimate): $240,000-$600,000 annually (40-100%+ effective APR)
Traditional Factoring: $144,000-$600,000 annually (12-50% annual fees)

Implementation Timeline:

Same day to 1 week: Resolve (with existing integrations)
24-48 hours: ONNX Funding (business cash advance)
3 weeks: ONNX Funding (term loans)
1-3 days: Traditional factoring (basic setup)

For B2B companies seeking the optimal combination of cost savings, risk elimination, and operational efficiency, Resolve represents the clear alternative to ONNX Funding's merchant cash advances. The platform's focus on B2B-specific needs, from net terms financing to AR automation, addresses the unique challenges that invoice-based businesses face in managing working capital and customer relationships.

Frequently Asked Questions

What are 'net terms' and how can they help my B2B business?

Net terms allow your customers to purchase now and pay later—typically Net 30, 60, or 90 days—while you receive payment upfront from Resolve. This increases your customers' purchasing power, leading to larger orders and higher customer retention, while protecting your cash flow through immediate advance payment. Unlike merchant cash advances that create daily repayment burdens, net terms align with natural B2B payment cycles.

How does Resolve's 'advance pay' work for invoices?

Resolve advances up to 100% of your approved invoice value within 24 hours, while your customers maintain their 30 or 60-day payment terms. The advance is completely non-recourse, meaning you keep the full amount even if your customer fails to pay. Fees range from 2.61-3.5% depending on the advance percentage and risk assessment, providing transparent, predictable costs compared to factor rates that obscure true expenses.

What kind of integrations does Resolve offer?

Resolve offers extensive integrations with leading platforms including QuickBooks, Oracle NetSuite, SAP, Microsoft Dynamics, Shopify, BigCommerce, WooCommerce, and Magento. The bi-directional data sync automatically reconciles transactions, reduces manual errors, and saves substantial reconciliation time. This seamless integration means your existing workflows remain intact while gaining the benefits of automated AR management and financing.

Is Resolve's invoice financing 'non-recourse'?

Yes, Resolve provides 100% non-recourse financing, which means you keep your advance payment even if your customer defaults on their invoice. This eliminates bad debt risk entirely—unlike ONNX Funding's merchant cash advances or traditional factoring, which use recourse models where merchants remain liable for unpaid amounts. This risk elimination is particularly valuable for B2B businesses that extend credit to multiple customers.

How quickly can Resolve provide credit decisions?

Resolve's AI-powered credit engine delivers credit decisions in seconds by evaluating thousands of data points, compared to days or weeks with traditional underwriting. This faster approval process enables you to close deals more quickly and offer instant net terms at checkout for e-commerce transactions. Some purchases up to $25,000 may qualify for instant approvals without any additional documentation.

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.