10 Best Payability Alternatives for B2B Businesses in 2025

If Payability's confusing fee calculations and payment holds are disrupting your cash flow, you're not alone. We've evaluated 15+ financing solutions to help you find transparent, reliable alternatives that actually support your business growth.

Key Takeaways

• Resolve leads with transparent 2.61% pricing and non-recourse financing that eliminates personal liability
• Fee confusion is the #1 reason businesses leave Payability—effective rates often reach 6-10% due to gross sales calculations
• Modern alternatives offer specialized solutions from AI-driven growth planning to crowdfunded inventory financing
• Most alternatives provide faster approval (24-48 hours) compared to traditional financing
• Revenue-based financing models are gaining popularity as non-dilutive funding options

1. Resolve - Best Overall Alternative for B2B Businesses

Resolve stands out as the premier Payability alternative by completely reimagining B2B payments. Rather than just advancing marketplace payouts, Resolve provides comprehensive net terms management that transforms how businesses handle accounts receivable.

Why Resolve Excels

• Transparent, Predictable Pricing: At 2.61% for 30-day terms, Resolve's pricing is straightforward—no hidden calculations on gross versus net sales. You know exactly what you're paying, calculated on actual invoice amounts, not inflated marketplace figures.
• Non-Recourse Advantage: Unlike Payability's merchant-liability model, Resolve assumes all credit risk. When they advance up to 90% on approved invoices, that money is yours to keep—even if your customer doesn't pay. This eliminates the personal liability fears that plague Payability users during account suspensions.
• Enterprise-Grade Technology: Resolve's AI-powered credit decisions complete within hours, not days. Their B2B payments platform uses machine learning for instant credit evaluations and LLM-powered bookkeeping that reduces AR work by 90%. Seamless integrations with QuickBooks, NetSuite, Shopify Plus, and BigCommerce mean you're operational immediately.
• White-Label Experience: Your customers see your brand throughout the payment process, not Resolve's. This professional touch enhances your business relationships—something Payability never addresses.

Real Business Impact

"Resolve pays for itself," reports DocShop Pro, highlighting the platform's ROI. TrueCable praises "response times under 24 hours on credit approvals," directly addressing the slow approval complaints common with Payability.

With backing from Affirm's founding team and Max Levchin (PayPal co-founder), Resolve has already served thousands of businesses successfully. Their comprehensive approach to offering net terms online goes beyond simple cash advances to solve entire AR departments' worth of work.

• Best For: B2B companies seeking transparent pricing, non-recourse financing, and comprehensive AR automation 
• Starting Price: 2.61% for 30-day terms 
• Funding Speed: 1 day advance on approved invoices 
• Credit Check: Proprietary "quiet" checks within hours

2. Wayflyer - Best for High-Growth Ecommerce

Wayflyer provides revenue-based financing specifically designed for ecommerce businesses, offering $10K-$20M in funding with fixed fees of 5-10%.

Their 24-hour funding process and flexible repayment based on sales velocity make them attractive for rapidly scaling businesses. They've proven reliable for thousands of merchants globally.

Pros:

• Fast 24-hour funding decisions
• No personal guarantees required
• Marketing analytics dashboard included
• Flexible repayment tied to revenue

Cons:

• Geographic restrictions apply
• Requires 6+ months in business
• Higher fees than some alternatives

Best For: Established ecommerce businesses with $10K+ monthly revenue Fees: 5-10% fixed fee Funding Range: $10K-$20M

3. 8fig - Best for Strategic Growth Planning

8fig combines AI-driven growth planning with supply chain financing, offering a unique approach to ecommerce funding.

Their platform creates customized growth plans with funding released based on your supply chain needs. With 6-10% fees and no minimum credit score requirements, they're accessible to growing businesses focused on inventory management.

Pros:

• AI-powered growth planning tools
• Dynamic repayment cycles
• Comprehensive supply chain funding
• No minimum credit score

Cons:

• Complex application process
• Funding restricted to specific uses
• Requires detailed business data

Best For: Ecommerce businesses needing inventory and growth planning Fees: 6-10% of funding Funding Range: Up to $10M

4. SellersFi - Best Direct Payability Replacement

SellersFi (formerly SellersFunding) provides the closest alternative to Payability's model, offering working capital specifically for marketplace sellers.

With approval in 48 hours and funding up to $1M, they integrate directly with Amazon Seller Central. Their 9.99-24.99% APR is competitive for marketplace financing, though minimum requirements exclude smaller sellers.

Pros:

• Direct Amazon integration
• 48-hour approval process
• Multiple funding products available
• Established marketplace expertise

Cons:

• $20K monthly revenue minimum
• Higher APR than some alternatives
• Marketplace-focused only

Best For: Amazon sellers with established sales history APR: 9.99-24.99% Funding Range: Up to $1M

5. Kickfurther - Best for Inventory Financing

Kickfurther revolutionizes inventory financing through crowdfunding, offering costs 30% lower than traditional alternatives.

Their consignment model means no immediate repayment pressure—you only pay as inventory sells. This unique approach eliminates the cash flow strain of traditional loans while providing community support for your brand.

Pros:

• 30% lower costs than traditional financing
• No monthly payments required
• Community marketing benefits
• Flexible repayment based on sales

Cons:

• Campaign creation required
• Funding not guaranteed
• Longer funding timeline

Best For: Consumer brands with proven products Cost: Typically 30% less than traditional financing Funding Timeline: Typically 10 business days to launch, then funded within minutes to hours.

6. BlueVine - Best Traditional Line of Credit

BlueVine offers lines of credit up to $250K with same-day funding and integrated banking solutions.

Their starting rates from 7.8% and strong approval rates make them accessible for established businesses. The combination of credit lines and business banking provides comprehensive financial management.

Pros:

• Same-day funding available
• Integrated banking features
• Strong approval rates
• Draw only what you need

Cons:

• Higher credit score requirements
• Personal guarantee required
• Traditional underwriting process

Best For: Established businesses with strong credit Rates: Starting at 7.8% Credit Line: Up to $250K

7. Fundbox - Best for Small Business Accessibility

Fundbox specializes in making financing accessible to smaller businesses, offering credit lines with automated approval.

Their low requirements (as little as $30K in annual revenue) and business line of credit model make them a good fit for companies just scaling beyond the startup phase. Fixed weekly automatic repayments keep cash flow predictable without extra management.

Pros:

• Low qualification requirements
• Automated approval process
• Invoice or revenue-based options
• No collateral required

Cons:

• Short repayment terms
• Higher fees for shorter terms
• Limited to smaller amounts

Best For: Small businesses needing quick, smaller loans Requirements: $30K annual revenue Credit Lines: Available for qualified businesses

8. Clearco - Best for Marketing Investment

Clearco provides revenue-based financing specifically for marketing and inventory investments.

Their flat fee structure and data-driven underwriting focus on your business performance, not personal credit. Integration with major platforms provides instant visibility into your metrics.

Pros:

• No personal credit checks
• Marketing-specific funding
• Platform integrations
• Revenue-based repayment

Cons:

• Limited to specific uses
• Higher revenue requirements
• Geography restrictions

Best For: Ecommerce businesses investing in growth Model: Revenue-based financing Focus: Marketing and inventory

9. Pipe - Best for SaaS and Recurring Revenue

Pipe transforms recurring revenue into upfront capital, perfect for subscription-based businesses.

By trading your annual contracts for immediate cash, you maintain full ownership while accessing growth capital. Their marketplace model often provides better rates than traditional financing.

Pros:

• No dilution or debt
• Instant liquidity for contracts
• Competitive marketplace pricing
• Non-dilutive financing

Cons:

• Recurring revenue required
• Contract quality matters
• Not for one-time sales

Best For: SaaS and subscription businesses Model: Revenue trading platform Speed: Instant for approved contracts

10. OnDeck - Best Established Alternative

OnDeck brings traditional reliability with modern speed, offering term loans and lines of credit.

With 15+ years in business lending and same-day funding, they provide stability many newer alternatives lack. Their transparent pricing and dedicated support make them ideal for relationship-focused businesses.

Pros:

• Established reputation
• Same-day funding
• Transparent pricing
• Dedicated support

Cons:

• Higher APR range
• Traditional requirements
• Less specialized features

Best For: Established businesses preferring traditional lenders Products: Term loans and lines of credit Funding Speed: Same-day available

How to Switch from Payability

Making the switch from Payability requires planning to avoid cash flow disruption. Here's your migration roadmap:

1. Calculate Your True Payability Costs

Document your actual fees over the past 3 months, including the real percentage of net receipts (not gross sales). This baseline helps evaluate alternatives accurately.

2. Apply Before Canceling

Start your application with your chosen alternative while Payability is still active. Resolve's credit checks complete within hours, minimizing transition time.

3. Plan for the 30-Day Hold

Payability requires payouts during the 30-day cancellation period. Ensure your financing covers this gap.

4. Document Everything

Keep records of all Payability transactions, especially during cancellation. Users report missing final payments worth thousands.

5. Update Your Payment Flow

Configure your marketplace payouts to your new provider. For comprehensive solutions like Resolve, integrate with your existing accounting systems for seamless transition.

Making the Right Choice

The best Payability alternative depends on your specific business needs:

• Choose Resolve for transparent B2B payments with comprehensive AR automation
• Select Wayflyer or 8fig for ecommerce-specific growth financing
• Consider SellersFi if you need a direct Payability replacement
• Explore Kickfurther for inventory-specific, community-backed funding

Remember: The goal isn't just escaping Payability's problems—it's finding a solution that actively supports your growth with transparent terms, reliable service, and technology that scales with your business.

FAQs

Why are businesses leaving Payability?

The primary drivers include fee confusion (actual costs often reach 6-10% versus advertised 2%), missing payments during cancellation, UCC liens on accounts, limited customer support, and cash flow complications that worsen rather than improve business operations.

What hidden fees should I watch for in financing alternatives?

Watch for calculations based on gross versus net sales, processing fees beyond stated rates, early termination penalties, setup or application fees, and minimum fee requirements regardless of usage. Understanding payment terms helps identify these costs upfront.

How quickly can I switch from Payability to a new provider?

Most alternatives approve applications within 24-48 hours. However, Payability's 30-day cancellation period means complete transition takes at least a month. Starting your new application before canceling ensures continuous cash flow.

Do Payability alternatives require personal guarantees?

It varies by provider. Resolve offers non-recourse financing with no personal liability. Wayflyer and Clearco also avoid personal guarantees, while traditional lenders like BlueVine typically require them.

What's the difference between marketplace financing and net terms?

Marketplace financing (like Payability) advances your platform payouts, while net terms solutions like Resolve provide credit to your customers, allowing them to pay in 30-60 days while you receive immediate payment. Net terms typically offer more comprehensive business benefits beyond simple cash advances.

Can I use multiple financing solutions simultaneously?

Yes, many businesses combine solutions strategically. For example, using Resolve for customer net terms while maintaining a BlueVine credit line for unexpected expenses. Ensure total obligations remain manageable for your cash flow.

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.