SnapCap (LendingTree brand) Alternatives

While SnapCap offers fast business financing through LendingTree's network, B2B companies seeking net payment terms and invoice-based financing have superior alternatives that eliminate risk while accelerating cash flow. Resolve Pay's financing platform stands out by paying you upfront while your customers enjoy Net 30, 60, or 90-day terms—without adding debt to your balance sheet.

Key Takeaways

• Risk-free invoice financing: Resolve provides 100% non-recourse financing that eliminates bad debt exposure, unlike SnapCap's recourse loans that leave you liable regardless of customer payment
• B2B-specific design: While SnapCap offers general working capital, Resolve is purpose-built for businesses that invoice on terms, with complete AR automation and embedded net terms at checkout
• Transparent flat-fee pricing: Resolve's published rates of 2.61-3.5% for Net 30 contrast with SnapCap's opaque pricing structure that doesn't disclose rates publicly
• Balance sheet protection: Resolve's invoice factoring model is positioned as non-recourse financing, which can be less debt-like than borrowing (accounting treatment depends on your specifics), preserving borrowing capacity for other needs
• AI-powered efficiency: Resolve's platform saves significant time weekly on accounts receivable tasks through automated invoicing, collections, and reconciliation
• Estimated lower total cost: For businesses with $1.2M in annual invoicing, Resolve's model may result in significantly lower costs when factoring in bad debt protection and AR automation compared to traditional financing

1. Resolve — The Only Risk-Free Net Terms Solution for B2B

Resolve Pay redefines B2B financing by combining non-recourse invoice advancement with complete accounts receivable automation. As a modern alternative to factoring, Resolve advances up to 90% within 24 hours; up to 100% advance is available for approved invoices/programs while your customers maintain their Net 30, 60, or 90-day payment terms.

Core Capabilities:

100% non-recourse financing with zero merchant risk on approved, non-disputed invoices

Instant AI-powered credit decisions evaluating thousands of data points in real-time

Complete AR automation including invoicing, payment reminders, collections, and reconciliation

White-label payment portal accepting ACH, credit card, wire, and check payments

Seamless integration with QuickBooks, NetSuite, Shopify, BigCommerce, and other major platforms

Dedicated credit lines for your buyers that grow with their purchasing history

Transparent Pricing Structure:

Net 30 fees starting at 2.61% with no hidden charges or monthly minimums

Net 60 and Net 90 fees: Risk-based pricing with higher rates for extended terms

Advance rates: Typically 90%, 75%, or 50% based on buyer risk assessment

100% advances available for approved customers with strong credit profiles

No setup fees, origination charges, or balance sheet impact

The platform's AI-driven workflow reduces manual AR tasks significantly each week, while its non-recourse structure helps protect against the bad-debt write-offs that can be meaningful and vary by industry; some surveys report ~5–6% of B2B invoices written off as bad debts. Unlike traditional lenders that add debt to your balance sheet, Resolve's invoice factoring model preserves your debt-to-equity ratios and borrowing capacity.

According to the U.S. Small Business Administration, managing cash flow is one of the most critical challenges for small businesses, with late payments from customers creating significant operational strain. Resolve addresses this challenge directly by advancing payment immediately while assuming the credit risk.

Resolve's proprietary underwriting combines AI analysis with human expertise from former Amazon and PayPal professionals, delivering deeper credit insights than traditional bureaus. The platform serves thousands of businesses and integrates seamlessly into existing tech stacks through native connectors and APIs.

For B2B companies that invoice on terms, Resolve represents a comprehensive solution that simultaneously accelerates cash flow, eliminates credit risk, automates AR operations, and maintains customer relationships—all with transparent, published pricing.

2. Fundbox — SMB Line of Credit for General Working Capital

Fundbox provides revolving lines of credit up to $250,000 for small businesses requiring general working capital not tied to specific invoices. The platform offers weekly or monthly repayment structures with flexible borrowing limits.

Key Features:

• Credit lines from $1,000 to $250,000 based on business financials
• Fast approval decisions using bank account data and cash flow analysis
• Revolving credit structure allowing repeated borrowing and repayment
• Integration with accounting software for financial tracking

Pricing Considerations:

• Factor-based pricing with fees that can be significant for short-term borrowing
• Effective APR that may exceed 30-35% depending on terms
• Weekly repayment structure that can impact cash flow predictability
• No invoice-specific features or net terms capabilities for your customers

While Fundbox serves businesses with lower credit scores and provides quick access to capital, it adds debt to your balance sheet and doesn't address the specific needs of B2B companies that invoice on terms. The platform lacks AR automation, net terms offerings, and non-recourse protection.

3. OnDeck — Established Term Loans for Equipment and Expansion

OnDeck has provided business financing since 2006 with term loans $5K–$250K, and lines of credit up to $200K and lines of credit for established businesses. The platform offers specific loan products for equipment purchases, inventory financing, and business expansion.

Platform Strengths:

• Loan amounts up to $200,000 for qualified businesses
• Established track record with competitive rates for qualified borrowers
• Same-day approval decisions with funding in 1-3 business days
• Loyalty benefits for repeat borrowers including reduced rates

Limitations for B2B:

• Recourse debt structure with personal guarantees typically required
• No invoice-specific financing or net terms capabilities
• Daily or weekly repayment schedules that can strain cash flow
• No AR automation or payment portal for customer collections

OnDeck serves businesses needing lump-sum financing for specific purposes like equipment purchases, but doesn't address the ongoing cash flow challenges of B2B companies that regularly invoice on Net 30 or Net 60 terms.

4. BlueVine — Business Banking with Credit Line Access

BlueVine combines business banking services with lines of credit up to $250,000+, offering a comprehensive financial platform for small businesses. The company provides both financing and banking services through a single interface.

Integrated Services:

• Lines of credit up to $250,000+ with revolving access
• Business checking accounts with fee-free transactions
• Competitive rates compared to many online lenders
• Basic accounting software integration

B2B Limitations:

• No non-recourse financing or bad debt protection
• Limited AR automation capabilities beyond basic accounting sync
• No ability to offer net terms to your customers
• Recourse debt structure requiring repayment regardless of customer payment

BlueVine's integrated banking and lending approach works well for businesses seeking general working capital with banking services, but doesn't solve the specific challenges of B2B invoicing and collections.

5. Additional Options: Kabbage, National Funding, and Fora Financial

Several other lenders provide alternatives to SnapCap for businesses seeking general working capital:

Kabbage (American Express): Offers lines of credit up to $250,000 with AmEx backing and integration into the American Express ecosystem. The platform provides revolving credit access but lacks B2B-specific features.

National Funding: Specializes in equipment financing and working capital loans with flexible terms for businesses with lower credit scores. The company accepts credit scores as low as 500 but charges higher rates for increased risk.

Fora Financial: Provides both term loans and lines of credit with fast approval processes similar to SnapCap. The platform offers funding up to $1.5 million but uses recourse debt structures with daily payment requirements.

All these alternatives share common characteristics: they provide general working capital rather than invoice-specific financing, add debt to your balance sheet, lack comprehensive AR automation capabilities, and offer no protection against customer non-payment.

Understanding the Fundamental Difference

The key distinction between Resolve and traditional lenders like SnapCap lies in their fundamental approach to business financing. SnapCap and similar platforms provide recourse debt—loans that must be repaid regardless of whether your customers pay their invoices. This creates significant risk for B2B businesses, as you remain liable even if customers default.

Resolve operates on a non-recourse invoice financing model. When Resolve advances payment on your approved invoices, they assume the credit risk. If your customer doesn't pay (and the invoice isn't disputed), you don't have to repay Resolve. This eliminates bad debt exposure while accelerating your cash flow.

For businesses that regularly invoice on Net 30, 60, or 90-day terms, this difference is transformative. Traditional lenders force you to choose between offering competitive payment terms (which strains cash flow) or demanding immediate payment (which limits sales growth). Resolve enables you to offer attractive net terms while getting paid immediately—without risk.

According to Federal Reserve research on small business financing, access to appropriate working capital remains a critical factor in business growth and stability, particularly for companies extending credit to customers.

The B2B Invoice Financing Advantage

Invoice financing has become increasingly important for B2B companies managing extended payment terms. The U.S. Census Bureau reports that small and medium-sized businesses represent a significant portion of B2B commerce, with many extending net payment terms to remain competitive.

Resolve's approach addresses several pain points simultaneously:

Cash Flow Acceleration: Get paid within 24 hours instead of waiting 30-90 days for customer payment

Risk Mitigation: Non-recourse protection means you never repay if approved customers don't pay

Operational Efficiency: Automated AR processes eliminate hours of manual invoicing, follow-up, and reconciliation work

Customer Satisfaction: Your buyers enjoy extended payment terms without you suffering cash flow constraints

Balance Sheet Health: Unlike loans, invoice financing doesn't add debt to your financial statements

Credit Intelligence: Real-time credit decisions on buyers help you make informed decisions about extending terms

This comprehensive approach makes Resolve particularly valuable for growing B2B companies that need to offer competitive payment terms while maintaining healthy cash flow.

Cost Comparison: Why Resolve May Deliver Superior Value for B2B

For B2B companies with significant invoicing volume, Resolve's model may offer compelling value compared to traditional lending options. Consider a business with $100,000 monthly invoicing ($1.2M annually):

Estimated Resolve Pay Annual Costs:

• Financing fees: $31,320-42,000 (2.61-3.5% × $1.2M)
• Bad debt losses: $0 (non-recourse protection)
• AR labor costs: Significantly reduced through automation
• Credit check costs: $0 (included in platform)

Estimated Traditional Lender Annual Costs:

• Financing costs: Varies by lender and qualification (typically 10-15%+ annually)
• Bad debt losses: Estimated $12,000-24,000 (1-2% industry average on $1.2M)
• AR labor costs: Varies by business size and efficiency
• Credit check costs: May apply for external credit bureau services
• Additional fees: May include origination, maintenance, and other charges

This comparison illustrates that Resolve's value extends beyond simple financing—it delivers comprehensive benefits through risk elimination, labor savings through automation, and operational efficiency improvements.

Making the Right Choice for Your Business

When evaluating SnapCap alternatives, consider your specific business model and financing needs:

Resolve Pay excels for businesses that:

• Regularly invoice B2B customers on Net 30, 60, or 90-day terms
• Want to eliminate bad debt risk while accelerating cash flow
• Need to automate accounts receivable processes and reduce manual work
• Prefer transparent, published pricing over opaque loan structures
• Want to offer net terms to customers without balance sheet impact
• Seek a comprehensive solution combining financing, automation, and credit protection

Traditional lenders may suit businesses that:

• Need general working capital not tied to specific invoices
• Require financing for equipment purchases or facility expansion
• Don't regularly invoice customers on payment terms
• Prefer revolving credit lines over invoice-specific advances
• Have immediate capital needs unrelated to accounts receivable

For B2B businesses that operate on trade credit terms, Resolve Pay represents a comprehensive solution that addresses multiple challenges: cash flow acceleration, risk elimination, operational efficiency, and competitive payment terms for customers.

Frequently Asked Questions

What are the main differences between SnapCap and Resolve?

SnapCap provides traditional recourse business loans that add debt to your balance sheet and require repayment regardless of customer payment. Resolve offers non-recourse invoice financing that eliminates bad debt risk while accelerating cash flow. SnapCap's pricing is opaque with no published rates, while Resolve provides transparent pricing starting at 2.61% for Net 30 terms. Additionally, Resolve includes complete AR automation, while SnapCap offers no accounts receivable tools.

Can startups with no revenue secure financing through Resolve?

Resolve's financing is based on your customers' creditworthiness rather than your company's revenue or credit history. As long as you have B2B customers with established business credit, you may qualify for invoice financing. Resolve provides instant credit decisions on your buyers using only their business name and address, with some purchases up to $25,000 qualifying for immediate approval. This makes Resolve accessible to startups that have secured B2B customers but lack traditional lending qualifications.

How does Resolve's non-recourse financing compare to traditional loans?

Traditional loans like those from SnapCap are recourse debt—you must repay them regardless of whether your customers pay their invoices. This creates significant risk for B2B businesses. Resolve's non-recourse financing means that if your approved customer doesn't pay their non-disputed invoice, you don't have to repay Resolve. This eliminates bad debt exposure while providing immediate cash flow. Additionally, Resolve's financing doesn't appear as debt on your balance sheet, preserving your borrowing capacity for other needs.

What integrations does Resolve offer?

Resolve offers native integrations with major accounting platforms including QuickBooks Online, NetSuite, Sage Intacct, and Xero. For ecommerce, Resolve integrates with Shopify, BigCommerce, Magento, WooCommerce, and Oracle. The platform also provides flexible APIs for custom integrations with any business system. These integrations enable automatic invoice syncing, real-time payment reconciliation, and seamless data flow between your existing systems and Resolve's platform.

What is the typical advance rate with Resolve?

Resolve typically offers advance rates of 90%, 75%, or 50% based on the buyer's credit risk assessment. Approved customers with strong credit profiles may qualify for 100% advances on their invoices. Higher-risk customers receive lower advance percentages to account for increased credit risk, but all financing remains non-recourse, meaning you never have to repay Resolve if your customer doesn't pay.

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.