Reliant Funding Alternatives

While Reliant Funding has served over 10,000 businesses with merchant cash advances since 2008, forward-thinking B2B companies are discovering superior alternatives that eliminate credit risk, reduce costs by 70-90%, and automate accounts receivable workflows. Resolve's B2B Net Terms platform leads this transformation by offering non-recourse invoice financing with AI-powered underwriting, instant credit decisions, and complete AR automation—all while advancing up to 100% of invoice value within 24 hours.

Key Takeaways

Non-recourse financing eliminates all risk: Resolve provides 100% non-recourse financing, meaning you keep all advances even if customers default—unlike Reliant Funding's merchant liability model
Dramatic cost savings: 2.61–3.5% flat fees are typically 70–90% lower than MCA factor rates from providers such as Reliant Funding that translate to 30%+ APR equivalents
Complete AR automation saves 14+ hours weekly: AI-powered invoicing, collections, and reconciliation reduce manual work by 50-90%
Instant credit decisions accelerate sales: AI underwriting approves B2B buyers in seconds versus Reliant's 2-hour approval process
Native integrations streamline operations: Direct connections to Shopify, QuickBooks, NetSuite, and Oracle eliminate data entry errors and reduce reconciliation time by 90%
White-label customer experience maintains relationships: Branded payment portal supports ACH, card, wire, and check payments while preserving your customer relationships

1. Resolve — B2B Net Terms Without the Risk

Resolve Pay stands as the premier Reliant Funding alternative by fundamentally reimagining B2B financing through its 100% non-recourse model. Founded in 2019 as a spin-off from Affirm by payments veterans Chris Tsai and Brian Louis., Resolve combines embedded credit expertise, invoice financing, and AR automation into a single platform that serves thousands of businesses across manufacturing, distribution, and B2B ecommerce.

Key Features:

100% non-recourse financing with zero merchant liability for approved invoices
AI-powered instant decisions using proprietary models that analyze thousands of data points
Net 30, 60, or 90-day payment terms with advance rates up to 100%
Payment within 24 hours of invoice submission
Free business credit checks requiring only company name and address
White-label payment portal supporting ACH, credit card, wire, and check payments
Native integrations with Shopify, BigCommerce, QuickBooks, NetSuite, and Oracle

Transparent Pricing Structure:

2.61% fee for 30-day net terms (risk-based)
Up to 3.5% fee for 30-day terms with 100% advance
No setup fees, monthly minimums, or hidden charges
Credit card fees passed to buyers through online payment portal

Resolve's Accounts Receivable platform with AI-Powered Automation transforms the entire credit-to-cash workflow. AI-driven workflows manage payment reminders, collections, and reconciliation, reducing manual AR work by 50-90% and saving 14+ hours per week. The platform's LLM-powered invoicing automatically syncs transactions with accounting systems, eliminating data entry errors and ensuring real-time financial accuracy.

Unlike traditional merchant cash advances that strain cash flow with daily debits, Resolve's invoice-based model aligns perfectly with B2B sales cycles. According to the U.S. Small Business Administration, effective cash flow management is critical for business success, and invoice financing provides a solution that doesn't create additional debt on the balance sheet. Customers maintain their net terms relationships while merchants receive immediate payment. This approach has enabled businesses to reduce DSO to 1 day, increase sales volume by 40%, and eliminate bad debt risk entirely.

The platform's superior economics are evident in cost comparisons: a $10,000 invoice costs just $261 with Resolve versus $1,200-$2,000 with Reliant Funding—a 70-90% savings. This dramatic cost reduction, combined with AR automation savings, often creates a net positive ROI rather than a financing expense.

2. Lendio — Marketplace Access to 75+ Lenders

Lendio serves as a loan marketplace connecting businesses to 75+ lenders through a single application. Founded in 2011, the platform offers access to various financing products including merchant cash advances, term loans, and lines of credit.

Platform Capabilities:

Single application for multiple lender options
Starting factor rates vary by lender and can change
Same-day funding possible for qualified applicants
Access to term loans, lines of credit, and MCAs
Minimum 3 months in business requirement

Considerations:

Acts as broker rather than direct lender
Quality depends on lender match
No AR automation or business system integrations
Traditional MCA model with merchant liability for repayment

While Lendio provides valuable comparison shopping for businesses uncertain about their best financing option, it lacks the integrated B2B payment capabilities and risk elimination that Resolve offers. The marketplace model works well for general-purpose cash needs but doesn't address the specific challenges of B2B invoice financing. Research from the Federal Reserve shows that small businesses increasingly seek financing solutions that integrate with their operational workflows, making platforms like Resolve particularly attractive for B2B companies.

3. Fora Financial — High-Funding MCA Provider

Fora Financial has provided working capital solutions since 2008, offering merchant cash advances and term loans with funding amounts that can reach substantial levels.

Service Features:

Funding amounts subject to change based on qualifications
Factor rates typically range from 1.13-1.40
24-hour funding approval
Prepayment discounts available
Minimum $240,000 annual revenue requirement

Cost Considerations:

Estimated 63-125% APR equivalent based on typical factor rates
High revenue requirements limit accessibility
Daily/weekly repayment structure affects cash flow
Merchant bears all credit risk

Fora Financial serves businesses needing substantial lump-sum financing but operates independently of business systems with no AR automation or integrations to streamline operations.

4. Credibly — Working Capital with Administrative Fees

Credibly offers working capital loans and merchant cash advances since 2010, providing same-day funding with minimal documentation requirements.

Key Offerings:

Same-day funding possible
Starting factor rates subject to change
Easy documentation process
Minimum 500 credit score requirement

Fee Structure:

May charge around 2.5% underwriting fee plus approximately $50 monthly administrative fee
The equivalent APR can vary significantly, typically ranging from 40% to 275% depending on the specific terms of the advance
Daily repayment deductions from bank account or credit card sales
No protection from customer payment failures

Like other MCA providers, Credibly offers no AR automation or system integrations to improve operational efficiency. The variable fee structure means businesses should carefully evaluate total costs before committing.

5. OnDeck — Established Short-Term Lending

OnDeck, founded in 2007, pioneered online short-term business lending and offers term loans and lines of credit to established businesses.

Platform Features:

Term loans from $5,000 to $250,000
Lines of credit up to $100,000
Next-day funding available
Minimum one year in business requirement

Considerations:

Traditional debt financing requiring personal guarantees
Daily or weekly repayment schedules
Higher interest rates than bank financing
No B2B payment or AR automation capabilities

OnDeck serves businesses that prefer traditional debt financing over invoice-based solutions. However, it lacks Resolve's non-recourse protection and doesn't integrate with B2B sales processes or provide AR automation benefits.

6. National Funding — Equipment Financing Focus

National Funding, operating since 1999, specializes in equipment financing and merchant cash advances for established businesses.

Service Offerings:

Equipment loans and leases
Merchant cash advances with variable amounts
Working capital loans
Minimum two years in business

Limitations:

Traditional MCA pricing structure
Daily repayment obligations
No AR automation or B2B payment solutions
Limited to equipment-related financing in many cases

National Funding's long operating history provides stability but doesn't address the modern B2B payment challenges that Resolve's integrated platform solves through non-recourse financing and automation.

B2B Financing Evolution: From Cash Advances to Integrated Platforms

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The fundamental difference between Reliant Funding's merchant cash advance model and modern B2B platforms like Resolve reflects a broader industry transformation. According to industry analysis, MCAs were designed for card-heavy retail businesses with daily sales, not B2B companies selling on invoices with 30-90 day payment terms.

Structural Differences:

Risk bearing: Resolve absorbs 100% of credit risk versus Reliant's merchant liability model
Repayment structure: Invoice-based funding versus daily/weekly automatic debits
Integration: Native ERP and e-commerce connections versus standalone financing
Operational impact: AR automation reducing manual work versus no operational benefits
Customer experience: White-label portal maintaining relationships versus invisible financing

This evolution enables B2B businesses to offer competitive net terms while protecting cash flow and reducing administrative burden. The 70-90% cost savings compared to traditional MCAs, combined with AR automation benefits, often transform financing from a cost center to a profit driver.

Research published by the National Bureau of Economic Research on small business financing indicates that integrated payment and credit solutions significantly reduce transaction costs and improve business efficiency. This academic finding supports the practical benefits that businesses experience when moving from traditional MCAs to comprehensive platforms like Resolve.

Understanding the True Cost of Business Financing

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When evaluating financing alternatives, understanding the total cost structure is essential. Traditional merchant cash advances use factor rates that can obscure the true cost of capital. A factor rate of 1.20, for example, means that for every $10,000 borrowed, a business repays $12,000—appearing to be a 20% fee. However, when annualized based on the repayment period, the APR equivalent often exceeds 40-60% or higher.

Cost Comparison Example:

For a $50,000 financing need over 6 months:

Traditional MCA at 1.25 factor rate: $62,500 total repayment = $12,500 cost (approximately 50-80% APR equivalent depending on exact repayment schedule)
Resolve at 2.61% for Net 30: $1,305 per invoice cycle = significantly lower total cost with predictable fees

The transparency of Resolve's flat-fee structure eliminates the confusion common with factor rate calculations. Businesses can accurately forecast costs and make informed decisions about which invoices to finance based on clear, predictable fees rather than complex rate structures.

The Role of AR Automation in Modern B2B Operations

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Beyond financing, the automation capabilities built into modern B2B payment platforms represent a significant operational advantage. Manual accounts receivable processes consume substantial time and resources—time that could be directed toward growth activities rather than administrative tasks.

Typical Manual AR Challenges:

Invoice creation and distribution requiring 30-60 minutes per batch
Payment tracking across multiple channels and methods
Follow-up communications with customers approaching or past due dates
Payment application and reconciliation with accounting systems
Dispute resolution and documentation
Cash flow forecasting based on expected payment dates

Resolve's AI-powered AR automation addresses each of these challenges through intelligent workflows that learn from patterns and optimize over time. The platform automatically generates and sends invoices, tracks payment status, sends customized reminders based on customer payment history, applies payments to the correct invoices, and updates accounting systems in real-time.

The 14+ hours per week saved through automation represents meaningful cost reduction. For a business paying an accounting professional $25-35 per hour, that's $18,200-$25,480 in annual labor savings—often exceeding the cost of financing fees entirely.

Choosing the Right Alternative for Your Business

The optimal choice depends on your business model, technical requirements, and risk tolerance:

B2B Companies Selling on Invoices:

Resolve Pay provides the complete solution with non-recourse financing, AR automation, and system integrations
Eliminates bad debt risk while reducing financing costs by 70-90%
Ideal for manufacturers, distributors, and B2B e-commerce businesses

Card-Heavy Retail/Restaurant Businesses:

Traditional MCA providers like Reliant Funding remain appropriate
Daily card sales align with automatic repayment structure
General-purpose cash needs not tied to specific invoices

Businesses Needing Multiple Lender Options:

Lendio's marketplace provides comparison shopping across 75+ lenders
Useful for businesses uncertain about their best financing fit
Doesn't provide operational benefits beyond financing access

Implementation Timeline Comparison:

Resolve Pay: Hours to days with native integrations
Reliant Funding: 2 hours approval, 24-hour funding
Traditional platforms: No integration requirements but no operational benefits

For B2B businesses specifically, Resolve's Net Terms for Ecommerce and Net Terms Management solutions provide the most comprehensive alternative to Reliant Funding's merchant cash advance model.

Frequently Asked Questions

What are essential alternatives to Reliant Funding for small businesses?

For B2B businesses selling invoices, Resolve Pay offers 100% non-recourse financing, 70-90% lower costs than MCAs, and complete AR automation. For card-heavy retail businesses, traditional MCA providers remain appropriate. Lendio provides marketplace access to 75+ lenders for businesses wanting to compare multiple options, while platforms like OnDeck offer traditional term loans for established businesses.

How can startups secure financing if they have no revenue or limited credit history?

Traditional MCA providers like Reliant Funding and Credibly accept businesses with as little as 3 months in operation and credit scores as low as 500-525. However, B2B startups selling on invoices can leverage Resolve's free credit checks to assess customer creditworthiness before extending terms. Resolve's AI-powered underwriting evaluates thousands of data points beyond traditional credit scores, often approving established businesses that newer startups serve as customers.

What are the benefits of offering net payment terms compared to traditional financing methods?

Net payment terms enhance buyer loyalty and unlock 30-60% larger orders while Resolve advances up to 100% of invoice value within 24 hours. Unlike traditional financing that creates debt on your balance sheet, net terms are embedded in your sales process and paid by your customers. The 100% non-recourse model eliminates bad debt risk, while AR automation reduces manual work by 50-90%.

How does embedded credit expertise improve B2B transactions and cash flow?

Resolve's embedded credit expertise delivers instant credit decisions using AI models that analyze thousands of data points, accelerating sales cycles by 90%. The platform's experts—formerly of Amazon, PayPal, and Fortune 500 firms—provide deeper credit insights than traditional bureaus. This embedded approach reduces DSO to 1 day while maintaining customer relationships through white-label experiences.

Can B2B payment platforms integrate with my existing accounting software?

Resolve offers integrations with QuickBooks, NetSuite, Oracle, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. These bi-directional connections automatically sync transactions, eliminate data entry errors, and reduce reconciliation time by 90%. The platform's API also enables custom integrations for proprietary systems, ensuring seamless operation within your existing tech stack.

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.