P2Binvestor (P2Bi) Alternatives: Best B2B Financing Solutions for 2025

While P2Binvestor offers asset-backed lines of credit for established B2B businesses, modern companies increasingly seek alternatives that eliminate risk, accelerate cash flow, and provide seamless automation. From Resolve's 100% non-recourse financing to Fundbox's rapid access, these platforms deliver the working capital solutions businesses need without the limitations of traditional lending models.

Key Takeaways

• Non-recourse financing eliminates collection risk: Resolve provides 100% non-recourse financing with advance payments up to 100% of approved invoices, ensuring you keep every dollar funded even if customers default
• White-label experience maintains customer relationships: Unlike traditional factoring, Resolve's white-label portal ensures your customers interact only with your brand, never knowing a third-party financier is involved
• Complete AR automation saves 90% manual work: Resolve's AI-powered platform automates credit checks, invoicing, reminders, and reconciliation, reducing manual accounts receivable work by 90%
• Transparent flat-fee pricing: Resolve offers predictable costs at 2.61%-3.5% per invoice versus P2Binvestor's 8-20% APR structure, simplifying financial planning and budgeting
• Faster funding and approval: Get paid within 24 hours with Resolve versus P2Binvestor's 5+ day process, enabling rapid business responsiveness
• Proven business impact: Resolve customers report 3x sales growth and 40% higher average order values through flexible net terms offerings

1. Resolve — The Complete Non-Recourse Alternative to P2Binvestor

Resolve emerges as the superior P2Binvestor alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Founded in 2019 by former Affirm executives and backed by $60 million in funding from Insight Partners, Resolve brings consumer fintech innovation to B2B payments with a focus on simplicity, automation, and risk-free growth.

Unlike P2Binvestor's recourse model where businesses assume collection risk, Resolve takes on the credit assessment, credit decision, and majority risk of late payments or defaults. This fundamental difference protects your balance sheet while enabling growth through flexible payment terms.

Key Features:

• 100% non-recourse financing with zero merchant risk
• Instant credit decisions using proprietary AI underwriting
• Net 30, 60, or 90-day payment terms
• Advance payments of 50-100% within 24 hours
• Transparent flat-fee pricing starting at 2.61% for 30-day terms
• QuickBooks, Shopify, BigCommerce, NetSuite integration
• White-label payment portal accepting ACH, credit card, wire, and check

Pricing Structure:

• Flat fees ranging from 2.61% to 3.5% per invoice based on term length and risk
• No monthly minimums, setup fees, or hidden charges
• Credit card fees passed directly to buyers through the payment portal
• Custom pricing available for enterprise volumes

Resolve's AI-powered accounts receivable platform automates the entire net terms workflow from invoice to payment, reducing DSO and transforming the customer payment experience. The platform's LLM-powered reconciliation ensures every transaction is synced automatically across systems, eliminating manual data entry errors.

Customer success stories demonstrate significant impact: businesses report 3x sales growth through net terms offerings, while others achieve 90% reduction in manual AR work. The platform currently serves over 12,000 businesses across manufacturing, wholesale, and service industries.

Unlike traditional factoring or P2Binvestor's asset-backed model, Resolve requires no collateral beyond the invoice itself. The platform's credit experts—formerly of Amazon, PayPal, and Fortune 500 firms—deliver deeper credit insights than traditional bureaus, enabling approval decisions based on real business performance rather than just credit scores.

According to Federal Reserve research, access to working capital remains a critical challenge for small and medium-sized businesses, with cash flow management cited as a top concern. Resolve's model directly addresses this challenge by converting invoices into immediate working capital while eliminating collection risk entirely.

2. Fundbox — Rapid Access for Smaller Credit Needs

Fundbox provides a distinct alternative for businesses needing quick capital with minimal qualifications. Since 2013, the platform has served over 400,000 businesses with credit lines ranging from $1,000 to $250,000.

Platform Strengths:

• Minutes approval with next-day funding
• Low qualification barriers (600+ credit score, 3 months in business)
• No contracts required for flexible access
• Simple online application process
• Credit lines rather than invoice-specific financing

Cost Considerations:

• APR typically ranging from approximately 10% to 80%
• Weekly repayment schedule potentially straining short-term cash flow
• Lower credit limits capped at $250,000
• No AR automation or net terms capabilities

While Fundbox offers the fastest access to capital among alternatives, its cost structure and weekly repayment schedule create considerations for many businesses. The platform serves as a short-term solution for businesses needing immediate capital access.

3. TreviPay — Enterprise Global Capabilities

TreviPay represents the enterprise alternative with 40 years of fintech experience and processing over $7 billion annually. The platform serves large organizations needing global trade credit solutions.

Enterprise Features:

• Operations serving buyers in over 50 countries with multi-currency support
• 40 years of established fintech experience
• White-label trade credit solutions
• Mastercard partnership for payment flexibility
• Enterprise-grade security and compliance

Implementation Considerations:

• Custom pricing quotes only
• Implementation timeline averaging 6 weeks depending on project scope
• Higher minimum requirements focused on enterprise clients
• Limited self-service capabilities

TreviPay excels for multinational enterprises requiring sophisticated global payment infrastructure. The platform's extensive experience and international capabilities make it suitable for companies with complex cross-border payment needs.

4. Bill.com — Comprehensive AP/AR Automation

Bill.com offers a different approach by focusing on comprehensive accounts payable and receivable automation rather than financing. The publicly traded company serves over 400,000 users with end-to-end financial workflow automation.

Platform Capabilities:

• Complete AP/AR automation suite
• Deep QuickBooks integration
• Payment processing and vendor management
• Subscription-based pricing model
• Strong accounting firm partnerships

Limitations for Financing Needs:

• No invoice financing or net terms capabilities
• Slower ACH payments (up to a week for international)
• Mixed customer support reviews
• Automation-focused without capital provision

Bill.com serves businesses prioritizing workflow automation over financing. Companies specifically seeking working capital solutions will need to pair Bill.com with a separate financing provider, creating operational complexity that Resolve eliminates through its integrated approach.

5. Capchase — SaaS-Focused Revenue Financing

Capchase specializes in financing for SaaS and subscription-based businesses, providing capital based on annual recurring revenue (ARR) rather than invoices or assets.

Target Market Features:

• ARR-based financing up to 70% of annual contract value
• Non-dilutive growth capital for SaaS companies
• $100,000+ ARR minimum requirement
• Focus on technology and subscription businesses

Niche Limitations:

• Exclusively serves SaaS/subscription businesses
• Requires substantial recurring revenue
• Not suitable for traditional B2B manufacturers or wholesalers
• Limited applicability for businesses outside the SaaS sector

Capchase represents a specialized alternative for the specific SaaS market but focuses on recurring revenue models rather than invoice-based financing that most B2B businesses require.

6. Clearco — E-commerce Revenue Financing

Clearco provides revenue-based financing specifically for e-commerce businesses, offering capital based on monthly sales performance.

E-commerce Focus:

• Revenue-based financing for online sellers
• $10,000+ monthly revenue requirement
• Estimated 8-14% flat fee structure
• Integration with e-commerce platforms

Market Limitations:

• Exclusively serves e-commerce businesses
• Not suitable for traditional B2B or wholesale operations
• Limited applicability for businesses with offline sales
• Narrow focus compared to comprehensive B2B solutions

Clearco serves a specific niche within the e-commerce market but doesn't address the broader B2B financing needs that P2Binvestor customers typically face.

Understanding the B2B Financing Landscape

The B2B financing market has rapidly evolved, with modern businesses prioritizing risk elimination, automation, and customer experience over traditional asset-backed lending models. P2Binvestor has secured $33.3M in total funding, positioning it to serve asset-rich businesses needing large credit lines ($500K-$10M+). However, most B2B businesses benefit from modern invoice financing solutions that address their core challenges: cash flow gaps, manual AR processes, and customer retention.

According to Bureau of Labor Statistics data, small business payment delays cost the U.S. economy billions annually in lost productivity and operational inefficiency. Modern B2B payment platforms address this by accelerating payment cycles while protecting seller cash flow.

Research from McKinsey & Company indicates that B2B companies offering flexible payment terms see significantly higher customer retention rates and larger average order values. This trend has driven adoption of net terms and invoice financing solutions across industries.

Making the Right Choice for Your Business

For B2B companies evaluating P2Binvestor alternatives, the choice depends on your specific business model, risk tolerance, and growth objectives:

By Business Type:

• Manufacturers and Wholesalers: Resolve (non-recourse protection, AR automation, net terms)
• Asset-rich established companies ($2M+ revenue): P2Binvestor (large credit lines $500K-$10M+)
• Emergency funding needs (<$50K): Fundbox (fastest access, lowest barriers)
• Global enterprises: TreviPay (international capabilities, multi-currency)
• SaaS/subscription businesses: Capchase (ARR-based financing)
• E-commerce businesses: Clearco (revenue-based financing)

Cost Comparison for $10,000 Invoice (30 days):

• Resolve: $261-$350 (2.61%-3.5% flat fee)
• P2Binvestor: $67-$167 (8-20% APR ÷ 12 months)
• Fundbox: Estimated $100-$900+ (varies by APR structure)
• TreviPay: Estimated $300-$500 (approximately 3-5% transaction fee)

Accurate cost comparison requires factoring in all fees and timelines, not just headline rates to include setup fees, monthly minimums, and hidden charges. Resolve's transparent flat-fee structure eliminates surprise costs and allows for accurate financial planning.

Implementation Timeline:

• 1-2 days: Resolve (with existing integrations)
• Next day: Fundbox (credit line access)
• 3-10 days: P2Binvestor (asset valuation required)
• Approximately 6 weeks: TreviPay (enterprise deployment)

The critical differentiator for most businesses is risk management. P2Binvestor's recourse model requires businesses to assume collection risk, while Resolve's non-recourse approach eliminates this exposure entirely. For companies prioritizing sustainable growth, Resolve's combination of risk elimination, automation, and transparent pricing delivers superior long-term value.

The working capital needs of B2B businesses vary significantly based on industry, customer base, and growth stage. Manufacturing companies often require longer payment terms to accommodate production cycles, while wholesalers need rapid inventory turnover funding. Service businesses benefit from net terms that align payment collection with project completion.

Resolve's flexible payment terms (net 30, 60, or 90 days) accommodate diverse business models while maintaining seller cash flow through advance payments. This flexibility enables businesses to offer competitive payment terms that win larger contracts without compromising their own working capital position.

Frequently Asked Questions

How does non-recourse invoice financing help my business, and is it truly risk-free?

Non-recourse financing eliminates your collection risk entirely—Resolve takes on the credit assessment, credit decision, and majority risk of late payments or defaults. This means you keep 100% of funded amounts even if customers don't pay, making it truly risk-free to your business. Unlike P2Binvestor's recourse model where you assume collection liability, Resolve's non-recourse approach protects your cash flow and balance sheet.

Can B2B net terms really increase sales and customer loyalty?

Absolutely. Resolve customers report 3x sales growth and 40% higher average order values through net terms offerings. By giving buyers the credit they need to purchase more easily, you enable larger orders and more frequent purchases. Net terms enhance buyer loyalty while unlocking revenue through repeat business, making them a powerful sales enablement tool rather than just a financing option.

What kind of credit checks does Resolve perform for buyers?

Resolve's business credit checks require only your customer's business name and address, delivering results within 24 hours without customer interaction. The platform combines AI, behavioral signals, and human expertise—Resolve's experts are formerly of Amazon, PayPal, and Fortune 500 firms—to deliver deeper credit insights than traditional bureaus. This quiet pre-approval process maintains your customer relationships while ensuring creditworthiness.

How quickly can I get paid with Resolve's advance pay?

Resolve advances payment on approved invoices within 24 hours, compared to P2Binvestor's 5+ day process. This rapid funding enables you to maintain healthy cash flow while offering customers extended payment terms. The platform can advance 50%, 75%, 90%, or up to 100% of invoice value based on buyer risk assessment, giving you immediate access to working capital.

Are there hidden fees with Resolve's financing?

Resolve offers transparent pricing with no hidden charges. Fees range from 2.61% to 3.5% per invoice based on term length and risk, with credit card fees passed directly to buyers through the branded payment portal. Unlike competitors with complex APR structures or undisclosed fees, Resolve's straightforward pricing allows accurate cost forecasting and budgeting.

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.