QuickFi Alternatives

While QuickFi has established itself as a leader in embedded equipment financing operating across the US and Canada, businesses seeking comprehensive B2B payment solutions are discovering superior alternatives that address invoice financing, accounts receivable automation, and net terms management. Resolve Pay emerges as the premier choice for companies needing to optimize cash flow from outstanding invoices rather than finance equipment purchases, offering 100% non-recourse financing and AI-powered automation that transforms the entire B2B payment lifecycle.

Key Takeaways

• Fundamentally different solutions: Resolve Pay specializes in invoice financing and AR automation, while QuickFi focuses exclusively on equipment and asset purchase financing – they address different business needs in the B2B financial ecosystem
• Risk-free financing: Resolve provides 100% non-recourse financing where merchants assume zero default risk on approved invoices, unlike recourse equipment lending models
• Complete payment lifecycle: Resolve integrates credit decisions, invoicing, payment processing, collections, and reconciliation in one platform, eliminating the need for separate payment processors
• Transparent flat-fee pricing: Resolve offers clear pricing starting at around 3.15% on 30-day terms with no hidden fees, compared to equipment lenders' transaction-based costs
• AR automation reduces manual work: Resolve's AI-powered platform reduces manual accounts receivable work by approximately 50%, including automated collections and payment reminders
• White-label customer experience: Resolve's branded payment portal preserves merchant-customer relationships while handling all payment complexities behind the scenes

1. Resolve Pay — The Complete B2B Payment Platform for Invoice Financing

Resolve Pay stands as the premier QuickFi alternative for businesses requiring comprehensive invoice financing and accounts receivable automation. With over 15,000 businesses served and backed from Initialized Capital and Commerce Ventures, Resolve brings consumer fintech innovation to B2B payments through its integrated platform approach.

Core Capabilities:

• 100% non-recourse financing with zero merchant risk on approved invoices
• AI-powered credit decisions with 24-hour approval timelines
• Net 30, 60, or 90-day payment terms to enhance customer buying power
• Up to 90% advance payment within 1-2 business days
• Risk-based fees starting at around 3.15% on 30-day terms
• Seamless integrations with major ERP systems and ecommerce platforms
• White-label payment portal supporting ACH, credit card, wire, and check payments

Transparent Pricing Structure:

• Fees start around 3.15 percent for 30-day terms based on risk assessment and advance percentage
• Monthly subscription fees for comprehensive platform access
• No hidden fees or unexpected charges – credit card fees passed directly to buyers
• Custom enterprise pricing available for high-volume businesses

The platform's AI-powered reconciliation and LLM-driven invoicing workflow automatically sync transactions across systems, reducing manual errors and administrative burden. According to the U.S. Small Business Administration, effective cash flow management is critical for business sustainability, and recent case studies demonstrate Resolve's significant operational impact: businesses report around 50 percent reduction in manual AR work, faster payment cycles, and enhanced customer relationships through seamless payment experiences.

Unlike traditional invoice factoring, Resolve maintains merchant control over customer relationships while eliminating collections burden and bad debt risk. Research from the Federal Reserve indicates that B2B payment flexibility increasingly drives purchase decisions. The platform's comprehensive approach addresses the entire B2B payment lifecycle – from credit assessment and invoicing to payment processing and reconciliation – making it the complete solution for businesses seeking to optimize cash flow from outstanding invoices rather than finance equipment purchases.

For businesses specifically needing accounts receivable automation, Resolve's AI-powered platform streamlines credit, invoicing, and collections while empowering finance leaders to scale operations without manual overhead. The B2B net terms functionality simplifies B2B BNPL and AR automation to reduce bad debt, accelerate cash flow, and drive sales growth.

Understanding the Fundamental Difference

The critical distinction between QuickFi and its alternatives lies in their core purpose. QuickFi excels at equipment financing, providing $5K to $5M in funding for capital asset purchases with mobile-first applications and blockchain-secured documentation. However, businesses needing to manage ongoing B2B payment flows, extend net terms to customers, or accelerate cash flow from outstanding invoices require a different solution entirely.

Resolve Pay addresses these invoice-based financing needs through its comprehensive B2B payments platform that combines embedded credit expertise, invoice financing, and payment processing. This distinction is crucial: a business might use QuickFi to finance equipment purchases AND Resolve Pay to manage customer payment terms and accounts receivable – the platforms are complementary rather than directly competitive.

According to industry analysis on invoice financing trends, businesses increasingly need solutions that enhance customer relationships while streamlining complex payment workflows. This is exactly where Resolve Pay's guiding product vision of being "simple, relational, and embedded" delivers superior value for invoice-based financing needs.

2. OnDeck — General Working Capital for Diverse Needs

OnDeck provides flexible term loans ranging from $5,000 to $250,000 and lines of credit from $6,000 to $200,000 for general business working capital needs. Since its founding, OnDeck has established itself as an accessible option for businesses requiring funding that isn't specifically tied to equipment purchases or invoice financing.

Platform Strengths:

• Flexible loan products including term loans and revolving credit lines
• Lower credit requirements making funding accessible to more businesses
• Fast approval and funding with same-day capability in some cases
• Established track record with proven lending experience

Cost Structure Considerations:

• High APRs averaging around 57.90% for term loans with ranges from 9% to 149%
• Origination fees of 0-4% depending on loan terms and borrower history
• Repayment terms up to 24 months for term loans

While OnDeck provides valuable working capital for businesses that don't qualify for traditional bank financing, the cost structure makes it most suitable for short-term capital needs rather than ongoing invoice financing. The platform serves a different purpose than Resolve Pay – providing general business loans rather than specialized B2B payment and invoice financing solutions.

For businesses specifically needing to manage customer payment terms and accelerate cash flow from outstanding invoices, Resolve Pay's transparent flat-fee structure and non-recourse protection offer a different value proposition than OnDeck's working capital loan products.

3. ClickLease — Small Equipment Financing with Instant Approvals

ClickLease specializes in small equipment financing with approvals up to $25,000, offering instant decisions and acceptance of all credit scores. Founded in 2018, the platform provides lease-to-own structures specifically designed for equipment purchases under $25,000.

Key Features:

• Instant approvals with decisions delivered in seconds
• All credit scores accepted with no hard credit pulls required
• Lease-to-own structure providing flexibility for equipment acquisition
• Three-minute application process for quick funding decisions

Limitations for Invoice Financing:

• Low financing cap with maximum approvals of $20,000-$25,000
• Equipment-only focus with no invoice financing or AR automation capabilities
• Indirect application process requiring applications through equipment sellers
• Doesn't build business credit as transactions aren't reported to credit bureaus

ClickLease excels in its niche of small equipment financing but doesn't address the comprehensive B2B payment needs that Resolve Pay handles. Businesses requiring both small equipment financing AND invoice management would need to use multiple platforms, whereas Resolve Pay's comprehensive approach addresses invoice-based financing needs.

For companies specifically seeking to offer net terms to customers while protecting their cash flow, Resolve Pay’s unified platform offers a distinct functionality compared to ClickLease's equipment-only focus.

4. Amount — Digital Lending Platform for Financial Institutions

Amount provides digital lending and account opening technology primarily serving financial institutions rather than direct business customers. The platform focuses on enabling banks and credit unions to offer modern digital lending experiences.

Institutional Focus:

• B2B2C model serving financial institutions rather than direct business customers
• Digital lending technology for banks and credit unions
• Account opening and loan origination platform capabilities
• Enterprise-grade security and compliance infrastructure

Relevance to Invoice Financing:

Amount's institutional focus makes it less relevant for businesses seeking direct invoice financing solutions. The platform enables financial institutions to offer their own lending products but doesn't provide the comprehensive B2B payment and AR automation capabilities that Resolve Pay delivers directly to businesses.

For companies needing immediate access to invoice financing and payment automation without working through financial institution partnerships, Resolve Pay's direct-to-business model offers faster implementation and more specialized B2B payment functionality.

5. PEAC Solutions — Multi-National Asset Finance Platform

PEAC Solutions operates as a multi-national asset finance platform serving various industries with specialized equipment financing expertise. The platform provides comprehensive asset-based lending across multiple countries and industries.

Global Asset Finance Focus:

• Multi-national operations with international financing capabilities
• Asset-based lending specializing in equipment and capital assets
• Industry-specific expertise across various equipment categories
• Comprehensive financing solutions for large equipment purchases

Invoice Financing Gap:

Like other equipment financing platforms, PEAC Solutions focuses exclusively on asset-based lending rather than invoice financing or accounts receivable automation. Businesses requiring both equipment financing AND comprehensive B2B payment management would need to integrate multiple platforms, creating operational complexity that Resolve Pay's integrated approach eliminates.

For companies specifically needing to manage customer payment terms, accelerate cash flow from outstanding invoices, and automate accounts receivable processes, Resolve Pay's specialized B2B payment platform delivers different functionality compared to PEAC's asset finance focus.

6. Turnkey Lender — B2B SaaS Lending Automation Platform

Turnkey Lender provides B2B SaaS lending automation technology primarily serving financial institutions and lending organizations. The platform offers comprehensive lending automation capabilities but focuses on enabling lenders rather than serving direct business customers.

Lending Technology Focus:

• SaaS lending automation for financial institutions
• Comprehensive lending platform with advanced underwriting capabilities
• B2B lending technology for institutional lenders
• Automation and workflow solutions for lending operations

Direct Business Limitations:

Turnkey Lender's institutional focus means it doesn't provide direct invoice financing or B2B payment solutions to businesses. The platform enables lenders to offer their own products but doesn't deliver the comprehensive, integrated B2B payment experience that Resolve Pay provides directly to businesses.

For companies seeking immediate access to non-recourse invoice financing, AR automation, and comprehensive payment processing, Resolve Pay's direct-to-business model offers faster implementation and more relevant functionality than Turnkey Lender's institutional lending technology.

Positioning Your Business for Success

The choice between QuickFi and its alternatives ultimately depends on your specific business needs:

Choose Resolve Pay when you need:

• Cash flow optimization from outstanding invoices
• Risk-free net terms with 100% non-recourse protection
• AR automation reducing manual work by approximately 50%
• Multi-channel payment processing (ACH, card, wire, check) in one platform
• Ecommerce checkout integration for B2B sales with instant credit decisions

Choose QuickFi when you need:

• Equipment purchase financing ($5K-$5M range)
• Embedded lending at equipment point of sale
• Mobile-first borrower experience with 3-minute applications
• OEM captive finance alternatives
• AI-powered instant credit decisions for equipment purchases

For businesses requiring both solutions, the platforms can work complementarily – using QuickFi for equipment financing and Resolve Pay for ongoing B2B payment management and invoice financing.

Implementation Timeline and ROI

Resolve Pay Implementation:

• Time to Value: 1-2 days from invoice approval to cash
• Integration Timeline: Hours to days with pre-built connectors for major platforms
• Productivity Gain: around 50 percent reduction in manual AR work
• Risk Elimination: 100% non-recourse financing eliminates bad debt write-offs

Equipment Financing Platforms:

• Time to Value: Next business day vendor payment
• Integration Timeline: Varies by platform and equipment dealer relationships
• Cost Savings: QuickFi offers estimated 74% reduction vs. traditional equipment finance processing costs
• Sales Impact: Increases equipment sales conversion through embedded financing

The fundamental difference in implementation focus reflects the different business needs addressed – Resolve Pay optimizes ongoing B2B payment operations, while equipment financing platforms facilitate specific capital asset purchases.

Making the Right Choice for Your Business

For B2B companies evaluating QuickFi alternatives, consider these key factors:

By Business Need:

• Invoice financing and AR automation: Resolve Pay (comprehensive payment platform)
• Equipment purchases under $25K: ClickLease (instant approvals, all credit scores)
• General working capital: OnDeck (flexible loans, accessible requirements)
• Large equipment purchases: QuickFi (specialized equipment financing, cost efficiency)

Cost Comparison Reality:

• Resolve Pay: Starting at around 3.15% flat fee on 30-day terms with 100% non-recourse protection
• QuickFi: $799 per booked transaction vs. estimated $3,119 industry average
• OnDeck: Average 57.90% APR for term loans with origination fees
• ClickLease: Undisclosed pricing with lease-to-own structure

Risk Management Approach:

• Resolve Pay: 100% non-recourse – Resolve assumes all credit risk on approved invoices
• Equipment lenders: Recourse lending – merchants assume credit risk
• Traditional lenders: Personal guarantees often required with full recourse liability

For businesses specifically seeking to enhance customer relationships while streamlining complex B2B payment workflows, Resolve Pay's integrated platform delivers value through its combination of non-recourse financing, AR automation, and comprehensive payment processing capabilities.

Frequently Asked Questions

How does AI streamline accounts receivable processes?

Resolve Pay's AI-powered accounts receivable automation reduces manual work by approximately 50% through automated credit decisions, payment reminders, collections management, and reconciliation. The platform uses LLMs to automatically sync transaction data in real time, map payments to invoices, and handle the entire receivables lifecycle from invoice creation to payment processing, significantly reducing DSO and administrative burden.

What is non-recourse financing and why is it important?

Non-recourse financing means the financing provider assumes all credit risk on approved transactions, eliminating merchant liability for customer defaults. Resolve Pay's 100% non-recourse financing ensures that all cash advances are yours to keep, regardless of whether your customers pay their invoices. This eliminates bad debt write-offs, protects your cash flow, and removes the burden of collections and credit risk management from your business operations.

Can B2B BNPL solutions really increase sales for my business?

Yes, B2B BNPL solutions like Resolve Pay's net terms for ecommerce are proven to increase sales volume and customer retention by enhancing buyer purchasing power. By allowing customers to buy what they need now and pay later with no interest or fees for 30-60 days, you remove payment barriers that might otherwise prevent larger orders or new customer acquisition. Resolve Pay handles all credit risk and collections, so you benefit from increased sales without added risk.

What types of integrations should I look for in a B2B payment platform?

Look for platforms like Resolve Pay that offer seamless integration with your existing tech stack, including major ERP systems like QuickBooks and NetSuite, ecommerce platforms like Shopify and BigCommerce, and accounting software. The best B2B payment platforms provide bi-directional sync capabilities that automatically reconcile transactions, reduce manual errors, and eliminate duplicate data entry across systems.

Is a business credit check free and how quickly can I get results?

Yes, Resolve Pay provides business credit checks requiring only your customer's business name and address. The platform delivers results within 24 business hours using proprietary AI models that evaluate thousands of data points to generate dynamic, scalable credit decisions. This eliminates the friction of traditional credit application processes while providing deeper insights than traditional bureaus.

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.