While SBG Funding delivers traditional business loans with speeds under 24 hours, B2B companies increasingly seek alternatives that offer non-recourse financing, accounts receivable automation, and embedded net terms without assuming debt obligations. From Resolve's AI-powered platform to specialized invoice financing solutions, these alternatives provide risk-free working capital while enhancing customer relationships rather than creating lender dependencies.
The B2B financing landscape has evolved significantly in recent years, with companies prioritizing risk-free working capital solutions that enhance customer relationships rather than creating debt obligations. While SBG Funding excels at providing traditional business loans with 24-hour funding and flexible credit requirements, modern alternatives offer fundamentally different value propositions focused on payment infrastructure rather than borrowed capital.
Market analysis indicates the embedded B2B buy-now-pay-later market is experiencing substantial growth, driven by businesses seeking to offer net terms to customers while protecting their cash flow. This has created sophisticated alternatives that often surpass traditional lenders in specific B2B payment scenarios.
Resolve stands out as the premier SBG Funding alternative by addressing the fundamental difference between borrowing capital and managing customer payments. While SBG provides traditional loans that create debt obligations, Resolve delivers a comprehensive B2B payment infrastructure that automates accounts receivable, extends net terms to customers, and provides non-recourse financing without creating lender dependencies.
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The platform's comprehensive approach transforms B2B payment management from a manual, risky process into an automated, risk-free revenue driver. Resolve's proprietary AI models evaluate thousands of buyer data points to generate dynamic credit decisions, while automated workflows handle payment reminders, collections, and reconciliation. This eliminates the administrative burden of traditional AR management while protecting cash flow through advance payments.
Unlike SBG Funding's recourse loan model where businesses remain fully liable for repayment regardless of customer outcomes, Resolve's non-recourse structure transfers buyer default risk to the platform. This fundamental difference enables businesses to offer generous payment terms to customers without fear of bad debt, directly supporting sales growth and customer retention.
The platform currently serves over 12,000 businesses with backing from Initialized Capital and Commerce Ventures through over $85M in funding, including a $25M Series A in 2021. Recent customer success stories demonstrate significant impact: businesses report around 50% reduction in AR work, up to 40% increase in order value when offering net terms, and complete elimination of bad debt through non-recourse protection.
FundThrough represents a focused alternative for businesses specifically seeking invoice financing rather than general working capital loans. Since 2013, the platform has processed over $6 billion in B2B invoices, providing advance payments against outstanding receivables.
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FundThrough's specialized focus makes it suitable for businesses with established invoicing processes seeking liquidity against existing receivables. FundThrough specializes primarily in invoice financing rather than comprehensive payment infrastructure that includes full AR automation and customer relationship management features like Resolve provides.
The platform serves as a middle ground between traditional factoring and modern B2B payment platforms, offering invoice financing for businesses specifically needing to convert existing invoices to cash without managing customer payments or extending new credit terms.
Bluevine has established itself as a leading provider of business lines of credit for small to mid-sized companies. Since 2013, the platform has provided over $10 billion in financing to more than 80,000 businesses, focusing on flexible credit facilities rather than payment infrastructure.
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Bluevine's strength lies in providing flexible access to working capital for general business purposes, similar to SBG Funding's approach but with a stronger focus on smaller loan amounts and simpler application processes. However, like SBG Funding, Bluevine creates debt obligations rather than providing payment infrastructure solutions.
For businesses needing unrestricted working capital for operational expenses, inventory purchases, or expansion costs, Bluevine offers a streamlined alternative to traditional bank financing. However, companies specifically seeking to enhance their B2B payment processes, extend net terms to customers, or automate accounts receivable will find Resolve's platform more aligned with their needs.
Fundbox occupies a distinct niche providing short-term credit lines specifically designed for small businesses that may not qualify for traditional financing. Since 2013, the platform has provided over $6 billion in funding to 500,000+ businesses, focusing on accessibility over comprehensive payment solutions.
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Fundbox's primary advantage is accessibility for businesses with lower credit scores or limited operating history. The platform's streamlined application process and rapid approval make it suitable for emergency working capital needs. However, the higher cost structure and debt-based model create different financial considerations compared to Resolve's transaction-based, non-recourse approach.
For small B2B companies needing immediate working capital and able to manage the associated costs, Fundbox offers a viable alternative. However, businesses with established B2B relationships seeking to enhance their payment processes while protecting cash flow will find Resolve's platform offers a different approach focused on payment infrastructure rather than borrowed capital.
Traditional banking institutions continue to offer business lines of credit as an alternative to both SBG Funding and modern fintech platforms. While requiring more extensive documentation and longer approval processes, bank lines of credit typically offer lower interest rates for qualified borrowers.
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Traditional bank lines of credit serve businesses seeking the lowest possible cost of capital for general working capital needs. However, the lengthy application process (often 4-8 weeks), stringent qualification requirements, and debt-based structure make them different from solutions focused on B2B payment processes.
For established businesses with strong credit profiles and patient capital needs, bank lines of credit remain a cost-effective option for borrowed capital. However, companies requiring rapid implementation, non-recourse financing, or comprehensive payment infrastructure will find modern platforms offer different capabilities aligned with B2B payment optimization.
OnDeck represents another established alternative lending platform providing business loans and lines of credit to small and mid-sized companies. Since 2007, the company has originated over $15 billion in loans, focusing on technology-driven underwriting and rapid funding.
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OnDeck's strength lies in providing flexible financing options with faster approval than traditional banks while maintaining more established lending practices than newer fintech platforms. The company's extensive operating history and public trading status provide stability and regulatory compliance.
However, like SBG Funding and other traditional lenders, OnDeck creates debt obligations rather than providing payment infrastructure solutions. For businesses specifically seeking to enhance their B2B payment processes, extend net terms to customers, or automate accounts receivable, Resolve's comprehensive platform offers fundamentally different capabilities.
The choice between SBG Funding alternatives depends fundamentally on whether you need borrowed capital or payment infrastructure:
Choose Resolve when you need:
Choose traditional lenders (SBG Funding, Bluevine, OnDeck) when you need:
Cost Comparison for $100,000 in B2B Sales:
The fundamental difference lies in Resolve providing payment infrastructure that enhances customer relationships while protecting cash flow, versus traditional lenders creating debt obligations that require repayment regardless of business outcomes.
For B2B companies seeking to grow sales through net terms while eliminating AR overhead and bad debt risk, Resolve's platform delivers capabilities that traditional lenders cannot match. The platform's combination of non-recourse financing, AR automation, and transparent pricing makes it a comprehensive alternative for businesses focused on B2B payment optimization rather than borrowed capital.
Resolve and SBG Funding serve fundamentally different needs: Resolve provides a comprehensive B2B payment platform with non-recourse financing, AR automation, and net terms extension, while SBG Funding offers traditional working capital loans. For B2B businesses seeking to enhance customer payment experiences while protecting cash flow, Resolve's infrastructure approach eliminates the debt obligations and recourse liability inherent in SBG's lending model. Resolve transfers buyer default risk to the platform through non-recourse financing, enabling businesses to offer generous payment terms without fear of bad debt.
Most alternatives, including Resolve and traditional lenders like SBG Funding, require established business operations and revenue streams. Resolve specifically requires existing B2B customers and invoices to provide financing, as it's based on customer payment terms rather than direct lending. SBG Funding typically requires $400,000+ annual revenue and accepts credit scores as low as 600, but still requires established business operations. For pre-revenue businesses, traditional business loans and B2B payment platforms are generally not suitable options; alternative funding sources like grants, equity investment, or personal financing would be more appropriate.
Non-recourse financing protects businesses by transferring buyer default risk to the funding platform. With Resolve's model, if an approved customer fails to pay their invoice, Resolve assumes the loss rather than pursuing the merchant for repayment. This eliminates bad debt write-offs and protects business credit scores from customer payment failures. Unlike traditional lenders like SBG Funding that maintain full recourse against borrowers regardless of customer outcomes, non-recourse platforms enable businesses to offer generous payment terms to customers without financial risk, directly supporting sales growth and customer retention.
Traditional invoice factoring requires selling invoices at steep discounts (often 5-20% fees) and typically involves customer notification that can damage relationships. Resolve's platform maintains merchant control over customer relationships while providing non-recourse financing at lower costs (2.61-3.5% fees). Additionally, Resolve offers comprehensive AR automation, payment processing, and credit management features that traditional factoring companies don't provide. The platform's white-label approach preserves brand relationships while eliminating collections burden and bad debt risk.
Approval speeds vary significantly by platform and funding type. Resolve delivers real-time to 24-hour credit decisions on B2B buyers using AI-powered underwriting, with advance payments within 1-2 business days. SBG Funding offers under 24-hour approval with same-day funding available for qualified applicants. Traditional bank lines of credit typically require 4-8 weeks for approval and funding. The fastest implementations come from platforms with pre-built integrations and automated underwriting processes, with Resolve's ecommerce integrations enabling same-day setup for platforms like Shopify and BigCommerce.
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.