Salaryo Alternatives

While Salaryo offers small business loans up to $500K with terms of 6-36 months, B2B companies seeking to offer net terms to customers need specialized solutions that eliminate credit risk and automate accounts receivable. Resolve Pay leads the modern alternatives with non-recourse financing, AI-powered credit decisions, and complete AR automation designed specifically for B2B commerce.

Key Takeaways

• Non-recourse financing eliminates bad debt risk: Resolve assumes 100% of credit risk on approved invoices, ensuring you get paid even if customers default—unlike traditional term loans that often rely on personal guarantees
• B2B-specific net terms solutions outperform generic loans: Platforms like Resolve offer embedded net 30/60/90 terms at checkout with instant credit approvals, specifically designed for B2B customer relationships
• Complete AR automation saves significant time: AR automation can reclaim a big chunk of time spent chasing payments (Intuit/QuickBooks research found 65% of businesses spend ~14 hours/week on payment-collection admin tasks) compared to managing collections manually with traditional financing
• Customer-based underwriting enables growth: Unlike Salaryo which bases approval on your business credit, Resolve evaluates your customers' creditworthiness, allowing you to offer generous terms even as a growing business
• Lower total cost of ownership: Despite appearing as a per-invoice fee (2.61-3.5%), Resolve's all-inclusive solution eliminates bad debt, collections costs, and AR labor—reducing total annual costs by 50%+ compared to traditional financing
• Revenue growth through payment flexibility: Resolve customers report 40% higher average order values and 20% YoY sales growth by offering competitive net terms without cash flow strain

B2B companies face unique challenges when offering net terms to customers—cash flow gaps, credit risk, and administrative overhead that generic small business loans like Salaryo don't address. Modern B2B payment platforms now provide specialized solutions that eliminate these pain points while driving measurable business growth.

Industry research confirms that businesses increasingly seek alternatives to traditional lenders as B2B payment flexibility becomes essential to remain competitive in today's market. This shift has fueled innovation in net terms financing, creating sophisticated options that specifically address B2B commerce challenges.

1. Resolve — The Modern Alternative to Salaryo for B2B Companies

Resolve Pay stands as the premier Salaryo alternative by completely reimagining B2B payments through non-recourse financing, AI-powered automation, and embedded net terms. Unlike Salaryo's generic small business loans that require personal guarantees and don't address B2B-specific challenges, Resolve is purpose-built for businesses offering net terms to customers.

Key Features:

• 100% non-recourse financing with zero merchant risk—Resolve assumes all credit risk on approved invoices
• Instant credit decisions using proprietary AI underwriting in seconds, not days
• Net terms of 30, 60, or 90 days embedded directly into checkout and sales workflows
• Advance payments of up to 100% within 24 hours on approved invoices
• Complete AR automation including invoicing, payment reminders, and collections management
• White-label payment portal that maintains your brand throughout the customer experience
• Platform integrations with QuickBooks, NetSuite, Shopify, BigCommerce, and other systems

Pricing Structure:

• Published pricing typically includes a base subscription (often ~$99/month) plus transaction fees around 2.61%–3.5%, depending on advance/risk
• No monthly minimums, setup fees, or hidden charges
• No personal guarantee required—approval based on customer creditworthiness, not yours
• Custom pricing for enterprise volumes with dedicated support

Resolve's platform delivers measurable business impact: customers report 40% higher order values and 20% YoY growth by offering competitive net terms without cash flow constraints. The AI-powered AR automation saves 14+ hours per week, reducing manual work by 90% while maintaining full control over customer relationships.

Unlike traditional financing options like Salaryo that simply provide working capital loans, Resolve solves the root problem: enabling B2B companies to offer net terms while eliminating cash flow gaps and credit risk. Trusted by over 12,000+ businesses and offers a non-recourse option for approved invoice, ensuring that what you get is always yours to keep.

According to the Federal Reserve System, access to flexible payment terms has become increasingly critical for B2B growth, with companies offering net terms experiencing significantly higher customer retention and order sizes compared to those requiring immediate payment.

2. Bluevine — Integrated Banking with Financing

Bluevine represents a different approach to business financing by combining high-yield business checking accounts with lines of credit. Founded in 2013 and serving over 750,000 businesses, Bluevine has delivered over $16 billion in business loans through its integrated platform.

Platform Strengths:

• Business checking accounts with up to 3.25% APY
• Instant access to lines of credit up to $250K
• Integrated banking and financing in one platform
• QuickBooks and Xero integration for accounting sync
• Fast approval process with funding in minutes for existing customers

Pricing Considerations:

• Variable interest rates based on Prime rate plus margin
• Monthly plan fees for banking services ($0-$400 depending on tier)
• Personal guarantee required for financing
• Approval based on your business credit and revenue, not customer creditworthiness

Bluevine excels for businesses wanting an all-in-one banking platform with integrated financing options. However, it doesn't address B2B-specific challenges like net terms management, customer credit evaluation, or AR automation. The platform is better suited for general working capital needs rather than B2B payment optimization.

Customer reviews note that while the banking features are competitive, the financing doesn't solve the fundamental B2B payment challenges that platforms like Resolve address. Bluevine's model works well for businesses that don't need to offer net terms to customers or can manage AR processes independently.

3. OnDeck — Fast Emergency Funding

OnDeck has established itself as a reliable source for emergency business funding since 2006, delivering over $15 billion to more than 150,000 businesses. The platform specializes in rapid approval and funding for businesses needing immediate capital.

Core Capabilities:

• Same-day funding for approved applications
• Term loans up to $250K and lines of credit
• Streamlined application process with minimal documentation
• No hard credit pull for initial eligibility check
• Established track record with consistent service

Cost Structure:

• APRs typically ranging from the high teens to above 50% depending on credit profile
• Weekly or monthly repayment schedules
• Personal guarantee required
• Origination fees and potential prepayment penalties

OnDeck serves businesses needing quick access to capital for emergencies or opportunities, but it doesn't address B2B payment challenges like net terms management or AR automation. The cost of capital makes it less suitable for ongoing working capital needs related to customer payment terms.

For B2B companies specifically, OnDeck's model requires you to manage all customer credit risk and collections independently, while taking on personal liability for repayment regardless of your customers' payment behavior. This contrasts with Resolve's non-recourse approach that eliminates these burdens.

4. Lendio — Marketplace for Multiple Lenders

Lendio operates as a loan marketplace connecting businesses with over 75 different lenders, providing access to various financing options through a single application process.

Platform Advantages:

• One application connects to multiple lender options
• Access to SBA loans, term loans, lines of credit, and specialized products
• Free advisor support to navigate loan options
• Financing options up to $5 million (varies by product/lender match)
• Suitable for businesses with varying credit profiles

Pricing Model:

• Starting rates around 8.49% APR but varies significantly by matched lender
• Terms and conditions determined by individual lenders
• Personal guarantees typically required
• Approval based on your business financials, not customer creditworthiness

Lendio's strength lies in its variety of options and advisor support, making it useful for businesses unsure which financing type best fits their needs. However, like other traditional lenders, it doesn't address B2B-specific challenges like net terms management or AR automation.

The marketplace model means businesses still face the same fundamental limitations: personal liability, no customer credit evaluation, and no automation of B2B payment processes. For companies specifically needing to offer net terms to customers, Lendio's various loan options don't solve the core operational challenges.

5. Fundbox — Invoice-Based Credit Lines

Fundbox specializes in providing credit lines based on invoice data, offering up to $150K in financing to small businesses since 2013.

Key Features:

• Credit lines up to $150K based on bank and accounting data
• Funding in 1-2 business days
• QuickBooks and Xero integration
• Short-term financing options (12-52 weeks)
• No collateral requirements

Fee Structure:

• Fees can start around ~4.66% on 12-week draws (and differ on longer terms).
• Effective APR significantly higher when annualized
• Weekly repayment schedule
• Personal guarantee required

Fundbox provides accessible financing for small businesses, but like other traditional lenders, it doesn't address B2B-specific payment challenges. The platform evaluates your business's financial health rather than your customers' creditworthiness, requiring you to manage all customer risk independently.

For B2B companies specifically, Fundbox's model doesn't facilitate offering net terms to customers or automate the AR process. The financing serves as general working capital rather than a solution for B2B payment optimization.

6. Credibly — Revenue-Based Financing

Credibly offers revenue-based financing and merchant cash advances to businesses, with funding up to $600K based on daily revenue and sales patterns.

Platform Characteristics:

• Factor rates typically ranging from 1.1-1.5x
• Revenue-based repayment tied to daily sales
• Quick approval process with minimal documentation
• Suitable for businesses with consistent revenue streams
• Equipment financing options available

Cost Considerations:

• Effective costs can range from $10,000-$50,000 in fees on $100K borrowed
• Daily or weekly repayment deductions
• Personal guarantee required
• Approval based on your revenue, not customer creditworthiness

Credibly serves businesses needing quick access to capital based on revenue performance, but it doesn't address B2B payment challenges like net terms management or customer credit evaluation. The revenue-based repayment model can strain cash flow during slower periods, and the costs make it less suitable for ongoing working capital needs.

For B2B companies specifically, Credibly's model requires managing all customer payment risk independently while taking on personal liability for repayment, contrasting with Resolve's non-recourse approach that eliminates these burdens.

B2B-Specific Solutions Drive Better Outcomes

The fundamental difference between Resolve and traditional lenders like Salaryo lies in their approach to B2B commerce challenges. While Salaryo and similar platforms provide generic working capital loans that require personal guarantees and don't address B2B-specific operational challenges, Resolve solves the root problems:

Risk Management:

• Traditional model: You bear 100% of customer credit risk while taking on personal liability for loan repayment
• Resolve model: Non-recourse financing eliminates bad debt risk—you get paid even if customers default

Operational Efficiency:

• Traditional model: You manage all AR processes manually, spending 14+ hours weekly on collections
• Resolve model: Complete AR automation reduces manual work by 90% with AI-powered workflows

Revenue Growth:

• Traditional model: No direct impact on sales or customer relationships
• Resolve model: 40% higher order values and 20% YoY growth through competitive net terms offerings

Underwriting Approach:

• Traditional model: Approval based on your business credit and revenue
• Resolve model: Customer-based underwriting evaluates your customers' creditworthiness, enabling generous terms even for growing businesses

According to total cost analysis, businesses using Resolve save an estimated 50%+ annually compared to traditional financing when factoring in eliminating bad debt, collections costs, and AR labor savings.

Making the Right Choice for Your B2B Business

For B2B companies evaluating Salaryo alternatives, the choice depends on your specific needs and business model:

Choose Resolve when you need:

• To offer net terms to B2B customers without cash flow strain
• Non-recourse financing that eliminates bad debt risk
• Complete AR automation with AI-powered workflows
• Instant credit approvals embedded in your sales process
• White-label payment experience that maintains your brand

Choose traditional lenders when you need:

• General working capital for non-B2B expenses
• Longer-term financing (6-36 months) for equipment or real estate
• Integrated business banking services (Bluevine)
• Access to multiple lender options for comparison (Lendio)
• Emergency funding when speed is the only priority (OnDeck)

Cost Comparison for B2B Company ($1.2M Annual Sales):

• Resolve Pay: Estimated $31,320-$42,000 annually (2.61-3.5% per invoice, all-inclusive)
• Salaryo (estimated): $75,120 annually ($16K financing cost + $29K AR labor + $24K bad debt + $6K collections)
• OnDeck: Estimated $79,120-$109,120 annually (higher financing costs + same operational expenses)

The analysis clearly shows that for B2B companies offering net terms to customers, Resolve provides superior value through its specialized platform that addresses the unique challenges of B2B commerce while driving measurable business growth.

Frequently Asked Questions

What are the primary benefits of using a B2B BNPL solution like Resolve over traditional payment methods?

B2B BNPL solutions like Resolve offer 40% higher average order values and 20% YoY sales growth by enabling customers to purchase more with flexible payment terms. Unlike traditional methods that require immediate payment or create cash flow gaps, Resolve provides advance payments of up to 100% within 24 hours while customers pay over 30-90 days. The non-recourse financing eliminates bad debt risk, and complete AR automation saves 14+ hours weekly compared to manual collections.

How does Resolve's non-recourse financing differ from typical factoring services?

Resolve's non-recourse financing assumes 100% of the credit risk on approved invoices, meaning you get paid even if customers default—unlike traditional factoring which often requires recourse or buy-back provisions. Resolve maintains your customer relationships through white-label solutions rather than notifying customers of third-party involvement. The platform offers transparent flat fees of 2.61-3.5% compared to factoring's complex fee structures, and includes complete AR automation rather than just invoice advances.

What kind of integrations does Resolve offer for existing accounting and e-commerce platforms?

Resolve offers seamless integrations with major accounting platforms including QuickBooks, Oracle NetSuite, Sage Intacct, and Xero for automated reconciliation and bookkeeping. For e-commerce, Resolve integrates with Shopify, BigCommerce, Magento, and WooCommerce to enable embedded net terms at checkout. The platform also provides REST APIs for custom integrations and supports two-way sync that automatically updates transaction data across systems without manual entry.

Can Resolve help businesses manage credit risk and improve cash flow simultaneously?

Yes, Resolve specifically addresses both challenges simultaneously through its unique model. The platform performs AI-powered credit checks on your customers in seconds, evaluating their creditworthiness to determine appropriate credit limits. Resolve then assumes all credit risk through non-recourse financing, eliminating bad debt concerns. Simultaneously, advance payments of up to 100% within 24 hours transform your cash flow from 30-90 day customer terms to immediate payment, while AR automation reduces DSO to effectively 1 day.

Are there any upfront costs or hidden fees associated with Resolve's services?

Resolve operates with complete pricing transparency—fees range from 2.61-3.5% per invoice based on advance percentage and term length, with no monthly minimums, setup fees, or hidden charges. There are no personal guarantees required, and the platform includes all features (credit checks, AR automation, payment processing, collections) in the single fee. This contrasts with traditional lenders that often have application fees, monthly maintenance charges, prepayment penalties, and require personal guarantees.

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.