While SellersFi serves over 1,000 e-commerce businesses with marketplace-focused financing, B2B manufacturers, distributors, and wholesalers need solutions built specifically for their complex credit, invoicing, and payment workflows. Resolve's comprehensive platform delivers non-recourse financing, AI-powered AR automation, and true B2B net terms capabilities that e-commerce lenders simply can't match.
Resolve emerges as the definitive SellersFi alternative for B2B businesses by combining non-recourse financing, AI-powered credit underwriting, and complete accounts receivable automation in a single platform. Serving over 12,000 businesses with roots as an Affirm spinout, Resolve delivers what e-commerce lenders cannot: true B2B net terms with zero risk.
Key Features:
Pricing Structure:
Resolve's risk-based pricing averages around 3.15% for Net 30 terms in typical scenarios, offering transparent and competitive rates. The platform provides risk-based advance rates typically at 50%, 75%, or 90% based on buyer creditworthiness. There are no monthly minimums, setup fees, or hidden charges. Credit card fees are passed directly to buyers through the payment portal, ensuring you receive the full agreed-upon amount.
Resolve's platform transforms the entire B2B payment lifecycle. Unlike traditional factoring or e-commerce lending, Resolve acts as your credit team, managing the entire credit assessment, underwriting, and collections process while you maintain customer relationships. The AI-powered AR automation reduces manual work by 80-90%, while the LLM-powered invoicing workflow ensures seamless reconciliation across systems.
Recent customer success stories demonstrate significant impact: B2B businesses achieve 30-40% average increases in order value and 15-20 day DSO reduction through strategic net terms implementation. The platform's non-recourse model eliminates bad debt risk entirely—what you receive is always yours to keep, regardless of customer payment behavior.
For B2B manufacturers, distributors, and wholesalers seeking to offer net terms while protecting cash flow, Resolve provides the comprehensive solution that e-commerce-focused platforms like SellersFi simply cannot match.
The B2B payments landscape has evolved significantly in 2025, with businesses demanding more than just working capital—they need comprehensive credit, payment, and receivables management solutions. According to Federal Reserve research, digital payment adoption continues accelerating across commercial transactions, driving demand for platforms that serve B2B-specific needs beyond e-commerce marketplace financing.
The shift from traditional payment methods to sophisticated digital platforms reflects broader changes in B2B commerce. McKinsey research indicates that businesses increasingly prioritize working capital optimization as a competitive advantage. Modern B2B buyers expect the same payment flexibility they experience in consumer transactions, driving demand for net terms offerings.
This evolution creates challenges for businesses using e-commerce-focused lenders. Marketplace financing solutions optimize for rapid inventory turnover and daily sales cycles, not the complex credit relationships and extended payment terms characteristic of B2B wholesale operations. According to Deloitte's digital B2B insights, companies that successfully digitize their payment and credit processes achieve measurable improvements in customer retention and average transaction values.
The distinction matters because B2B transactions involve different risk profiles, relationship dynamics, and operational requirements than e-commerce sales. Manufacturers shipping large wholesale orders need credit protection, automated receivables management, and seamless ERP integration—capabilities that marketplace lenders don't provide.
Clearco serves as a viable alternative for businesses operating across multiple e-commerce channels, offering revenue-based financing with support for Amazon, Shopify, Walmart, and TikTok in a single platform. Founded in 2015, Clearco provides growth capital through its dual product offering of growth advances and invoice funding.
Platform Strengths:
Pricing Considerations:
Estimated fee structures range around 3.63%–12.5%, which represents higher costs than Resolve's typical net terms pricing. The platform uses case-by-case funding limits with revenue-based repayment models.
While Clearco excels at multi-channel e-commerce financing, it lacks Resolve's B2B-specific features like AR automation and non-recourse protection. The platform serves e-commerce businesses well but doesn't address the complex credit and payment needs of B2B manufacturers and distributors.
Wayflyer distinguishes itself through speed, offering same-day approval decisions and funding ranging from $20,000 to $20 million for established e-commerce brands. The revenue-based financing model provides flexible capital access for businesses with predictable revenue streams.
Key Capabilities:
Limitations for B2B:
The estimated 5-10% fee range remains higher than Resolve's typical net terms pricing. The platform's e-commerce focus means it lacks B2B-specific features, and the revenue-based model doesn't support traditional net terms relationships. There's no AR automation or credit management capabilities.
Wayflyer serves e-commerce businesses needing rapid capital access but doesn't provide the comprehensive B2B payment solution that manufacturers and distributors require. Unlike Resolve's complete AR platform, Wayflyer focuses solely on funding without credit risk management or receivables automation.
8fig specializes in supply chain financing for e-commerce sellers, providing capital specifically for inventory purchases and logistics. The platform integrates with major e-commerce platforms to offer up to 60-day financing terms for inventory needs.
Specialized Features:
Cost Structure:
Estimated fees range around 6-10% of funding amounts, with limitations to inventory and supply chain financing. The platform doesn't offer broader working capital or AR automation capabilities.
While 8fig addresses specific inventory financing needs, it lacks Resolve's comprehensive approach to B2B payments. The platform doesn't offer non-recourse protection or the complete AR automation that B2B businesses need for managing complex customer relationships and payment terms.
Payability focuses exclusively on marketplace sellers, offering daily payouts for Amazon, Walmart, and other marketplace sales. The platform provides immediate cash flow for businesses that rely heavily on marketplace revenue.
Core Offerings:
B2B Limitations:
The marketplace-only focus provides no B2B capabilities. There are no credit checks or risk management features, and the platform is limited to daily cash flow rather than strategic net terms. AR automation and customer relationship management are absent.
Payability serves a specific niche for marketplace sellers needing daily cash flow but doesn't address the strategic B2B payment needs that Resolve's comprehensive platform delivers. B2B businesses require more than daily payouts—they need credit management, net terms, and receivables automation.
Onramp Funds provides marketplace financing with a focus on embedded lending solutions for e-commerce platforms. The platform offers revenue-based financing with automated underwriting for established marketplace sellers.
Platform Features:
Missing B2B Capabilities:
There's no non-recourse financing protection, and the platform is limited to marketplace financing. AR automation and credit management are not available, and fee structures tend to be higher than net terms pricing.
Onramp Funds serves the e-commerce marketplace segment well but doesn't provide the B2B-specific features that manufacturers and distributors need. Unlike Resolve's white-label portal, Onramp's solutions are marketplace-embedded, potentially disrupting direct customer relationships.
Parafin offers embedded lending solutions specifically designed for marketplace platforms, providing financing options directly within marketplace checkouts. The platform focuses on creating seamless financing experiences for marketplace buyers.
Specialized Approach:
B2B Gaps:
The marketplace-only focus lacks B2B capabilities. There's no standalone B2B payment platform, with limitations to embedded marketplace financing. Comprehensive AR automation is not available.
Parafin excels at embedded marketplace lending but doesn't address the standalone B2B payment needs that Resolve's integrated platform serves. B2B businesses need more than embedded marketplace financing—they require complete payment, credit, and receivables management solutions.
The fundamental difference between Resolve and e-commerce lenders like SellersFi lies in their core focus and capabilities. While SellersFi and similar platforms provide working capital loans for marketplace sellers, Resolve delivers a comprehensive B2B payment platform designed specifically for manufacturers, distributors, and wholesalers.
B2B-Specific Advantages:
True Net Terms vs. Loans: Resolve offers actual net 30/60/90 payment terms that enhance customer relationships, while e-commerce lenders provide term loans with estimated 9.99-24.99% APR structures.
Credit Risk Elimination: Resolve's non-recourse financing eliminates all credit risk, unlike recourse-based e-commerce lending where merchants retain liability.
Complete Workflow Automation: Resolve's AR automation platform handles the entire credit-to-cash workflow, not just funding. This end-to-end approach reduces manual processing time by 80-90%.
Customer Relationship Preservation: Resolve's white-label portal maintains your direct customer relationships, unlike marketplace-embedded solutions that can disrupt the buyer-seller dynamic.
ERP Integration: Resolve integrates seamlessly with NetSuite, QuickBooks, Sage for streamlined financial operations, enabling automated reconciliation and bookkeeping.
Businesses expanding from e-commerce to B2B wholesale frequently migrate to Resolve for its comprehensive B2B capabilities. The platform's transparent pricing for typical Net 30 terms represents significant potential savings compared to e-commerce lenders' higher APR structures.
For businesses evaluating SellersFi alternatives, the choice depends on your business model and payment needs:
Choose Resolve when you need:
Choose E-commerce Lenders when you need:
The substantial potential savings with Resolve combined with non-recourse protection and AR automation make it a strong choice for B2B businesses seeking to offer strategic payment terms while maintaining healthy cash flow.
Unlike traditional invoice factoring, Resolve offers 100% non-recourse financing where you retain zero credit risk if customers default. Traditional factoring requires selling invoices at steep discounts and often notifies customers of the arrangement. Resolve maintains your customer relationships through a white-label portal while handling credit assessment, underwriting, and collections behind the scenes. The platform's risk-based pricing typically averages around 3.15% for Net 30 terms, which is significantly lower than traditional factoring's 5-20% fees.
Resolve focuses on buyer creditworthiness rather than seller financials, meaning your customers' credit profiles determine approval rather than your company's revenue. This differs from traditional lenders that require extensive seller financial documentation and personal guarantees. The platform evaluates thousands of buyer data points to make instant credit decisions, making net terms accessible based on the strength of your customer base rather than your business age or revenue history.
Resolve's risk-based pricing typically averages around 3.15% for Net 30 terms in standard scenarios, with fees varying by advance percentage (typically 50%, 75%, or 90%) and term length (Net 30, 60, or 90). There are no monthly minimums, setup fees, or hidden charges. Credit card fees are passed directly to buyers through the online payment portal, ensuring you receive the full agreed-upon amount. This transparent structure contrasts with e-commerce lenders' APR-based loan models.
Resolve delivers instant credit decisions for purchases up to $25,000, with larger amounts typically approved within 24 hours. The AI-powered underwriting system evaluates thousands of buyer data points in real-time, eliminating the lengthy approval processes common with traditional financing. Once approved, you receive up to 90% advance payment within 24 hours, transforming your cash flow while customers maintain their 30 or 60-day payment terms.
Resolve offers comprehensive ERP integrations including NetSuite, QuickBooks, Sage Intacct, Xero, Shopify, BigCommerce, Magento, and WooCommerce. The platform's flexible APIs enable custom integrations with any system, while pre-built connectors provide turnkey implementation. All transactions automatically sync to your accounting system, with AI-powered bookkeeping ensuring accurate reconciliation across platforms.
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.