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.
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.
"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.
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.
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Best For: Established ecommerce businesses with $10K+ monthly revenue Fees: 5-10% fixed fee Funding Range: $10K-$20M
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.
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Best For: Ecommerce businesses needing inventory and growth planning Fees: 6-10% of funding Funding Range: Up to $10M
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.
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Best For: Amazon sellers with established sales history APR: 9.99-24.99% Funding Range: Up to $1M
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.
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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.
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.
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Best For: Established businesses with strong credit Rates: Starting at 7.8% Credit Line: Up to $250K
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.
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Best For: Small businesses needing quick, smaller loans Requirements: $30K annual revenue Credit Lines: Available for qualified businesses
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.
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Best For: Ecommerce businesses investing in growth Model: Revenue-based financing Focus: Marketing and inventory
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.
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Best For: SaaS and subscription businesses Model: Revenue trading platform Speed: Instant for approved contracts
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.
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Best For: Established businesses preferring traditional lenders Products: Term loans and lines of credit Funding Speed: Same-day available
Making the switch from Payability requires planning to avoid cash flow disruption. Here's your migration roadmap:
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.
Start your application with your chosen alternative while Payability is still active. Resolve's credit checks complete within hours, minimizing transition time.
Payability requires payouts during the 30-day cancellation period. Ensure your financing covers this gap.
Keep records of all Payability transactions, especially during cancellation. Users report missing final payments worth thousands.
Configure your marketplace payouts to your new provider. For comprehensive solutions like Resolve, integrate with your existing accounting systems for seamless transition.
The best Payability alternative depends on your specific business needs:
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.
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.
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.
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.
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.
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.
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.