While Rapid Finance offers traditional business financing products, modern B2B companies are discovering superior alternatives that provide faster funding, transparent pricing, and non-recourse protection. From Resolve's AI-powered net terms platform to specialized fintech solutions, these alternatives deliver the working capital businesses need without the high costs and cash flow strain of conventional lending.
Resolve stands out as the premier Rapid Finance alternative by eliminating merchant risk through its 100% non-recourse financing model. Developed as a B2B spinoff of Affirm in 2018, Resolve brings consumer fintech innovation to B2B payments with a platform that streamlines net terms, accounts receivable, and payments processes.
Key Features:
Transparent Pricing Structure:
The platform's AI-powered reconciliation and collections workflows address the core pain points businesses experience with traditional financing. Resolve provides responsive support and transparent pricing that protects both cash flow and customer relationships.
Resolve's experts—formerly of Amazon, PayPal, and Fortune 500 firms—deliver deeper credit insights than traditional bureaus, enabling faster approvals and better risk management. The platform currently serves thousands of businesses, helping them increase buyer purchasing power while helping reduce days sales outstanding.
Unlike traditional factoring, Resolve maintains merchant control over customer relationships while eliminating collections burden and default risk. This approach is particularly valuable for businesses seeking to offer net terms without sacrificing cash flow or taking on credit risk.
Fundbox specializes in providing credit lines up to $250,000 for businesses with minimum time in business and revenue requirements. The platform uses automated underwriting to deliver quick decisions for businesses that meet its requirements.
Platform Capabilities:
Cost Structure:
While Fundbox offers faster access than traditional banks, it requires established business history and revenue thresholds that exclude newer companies. The platform's costs can accumulate quickly, particularly for businesses needing frequent access to their credit line.
Fundbox serves a specific segment of the market but lacks Resolve's comprehensive approach to B2B payments, offering only financing without integrated accounts receivable automation or net terms management capabilities.
OnDeck represents one of the more established online lenders in the alternative finance space, offering term loans and lines of credit to businesses with at least 12 months of operating history.
Service Offerings:
Pricing Model:
OnDeck's traditional underwriting requirements and repayment structures create similar pain points to conventional financing, with automatic daily deductions potentially causing cash flow strain and overdraft risk. The platform lacks the integrated B2B payment and net terms capabilities that modern businesses increasingly demand.
While OnDeck may serve businesses that qualify for its programs, it doesn't address the fundamental shift toward non-recourse financing and embedded payments that platforms like Resolve provide.
Fora Financial positions itself as more accessible than traditional lenders, accepting borrowers with lower credit scores than traditional lenders and only 6 months in business. This approach serves a segment of the market that traditional banks and some online lenders exclude.
Key Characteristics:
Cost Considerations:
Fora Financial addresses accessibility gaps in the market but at a premium cost that may not be sustainable for many businesses. The platform focuses primarily on financing rather than the integrated B2B payment solutions that combine financing with accounts receivable automation and customer payment management.
While not fintech platforms, traditional small banks remain relevant in the lending landscape, offering strong approval rates for relationship-based borrowers through relationship-based underwriting.
Advantages:
Limitations:
Small banks excel at serving established local businesses with strong financials but struggle to meet the speed and digital experience expectations of modern B2B companies. They typically don't offer integrated net terms or accounts receivable automation, requiring businesses to manage these functions separately.
The movement away from traditional lenders reflects broader market dynamics. Banks have periodically tightened credit standards in recent years, while many businesses cite operating expenses as a primary funding need. This creates a significant access-to-capital gap that modern platforms are uniquely positioned to fill.
The global small business loans market is projected to grow from approximately $2.5 trillion in 2023 to $7.2 trillion by 2032, with much of this growth driven by online and fintech lending segments. Businesses increasingly expect financing solutions that integrate seamlessly with their existing operations, provide transparent pricing, and eliminate unnecessary risk.
AI adoption is accelerating this transformation, with growing numbers of small businesses using AI for their operations. Platforms like Resolve leverage AI for credit underwriting, accounts receivable automation, and payment reconciliation, delivering significant efficiency gains while reducing manual overhead.
When evaluating Rapid Finance alternatives, consider these key factors:
Risk Management Approach:
Speed and Accessibility:
Integration Capabilities:
Total Cost of Capital:
For businesses seeking comprehensive B2B payment solutions that combine financing, net terms, and accounts receivable automation, Resolve offers the most complete alternative to fragmented traditional approaches.
Modern platforms like Resolve offer non-recourse financing where merchants face reduced risk if customers default, unlike some traditional products that leave businesses liable for unpaid invoices. Resolve provides transparent flat-rate pricing (starting as low as 2.61-3.5% for 30-day terms) with clear fee structures. Additionally, modern platforms integrate financing with accounts receivable automation and payment processing, creating a unified B2B payments experience rather than separate financing and payment solutions.
Resolve advances up to 100% of approved invoice value typically within 24 hours, providing competitive funding timelines. Resolve's instant credit decisions powered by AI evaluate thousands of buyer data points in real-time. This speed is critical for businesses managing cash flow gaps or pursuing time-sensitive opportunities.
Resolve offers advance rates of 100%, 75%, or 50% based on customer risk assessment, with higher-risk customers qualifying for lower advance percentages. This risk-based approach provides flexibility while protecting merchant cash flow, with transparent pricing clearly stated upfront.
No, Resolve integrates seamlessly with your existing accounting software through built-in integrations with QuickBooks, Oracle NetSuite, and other major platforms. The platform automatically syncs transaction data in real-time, eliminating manual data entry and reconciliation. This integration capability allows businesses to maintain their existing workflows while gaining new financing capabilities.
Resolve's pricing is transparent with fees clearly stated starting as low as 2.61% on 30-day net terms for standard risk customers or up to around 3.5% for 100% advances on higher-risk profiles. Credit card fees are passed directly to buyers through the payment portal rather than charged to merchants. Resolve has no monthly minimums, setup fees, or hidden charges, making total cost of capital predictable and manageable.
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.