While Square Loans helps small retailers access working capital, it’s not designed for B2B companies that need to extend customer credit, automate receivables, and eliminate non-payment risk. B2B businesses need solutions that enable customer payment terms, eliminate bad debt risk, and automate accounts receivable. Resolve Pay leads the market as the only platform offering 100% non-recourse financing with AI-powered credit decisions and full AR automation.
Resolve Pay stands out as the premier Square Loans alternative by completely eliminating merchant risk through its 100% non-recourse financing model. Serving over 15,000 B2B businesses, Resolve Pay brings sophisticated fintech innovation specifically designed for B2B transactions.
Key Features:
Pricing Structure:
The platform's AI-powered AR automation reduces manual work by eliminating 14+ hours per week in administrative tasks, while its LLM-powered invoicing workflow automatically syncs transactions across systems. Recent case studies demonstrate significant impact: businesses report 40% average order increases when offering net terms, with 20% year-over-year sales growth.
Unlike Square Loans which serves B2C merchants seeking working capital, Resolve Pay enables B2B businesses to offer payment terms to their customers while getting paid immediately. The platform's non-recourse model means merchants face zero risk if customers default, completely eliminating bad debt expense. This fundamental difference makes Resolve Pay the only true alternative for B2B businesses needing comprehensive payment infrastructure rather than simple merchant financing.
The B2B payments landscape has transformed dramatically, with AI-powered automation and non-recourse financing becoming essential for growing companies. While Square Loans maintains its position serving B2C merchants through Square POS, several alternatives stand out for B2B businesses seeking superior solutions tailored to their specific needs.
PayPal Working Capital represents a viable option for businesses already processing significant volume through PayPal. The platform provides fast funding based on PayPal sales history rather than traditional credit underwriting.
Platform Strengths:
Limitations:
While PayPal Working Capital offers faster initial funding than Resolve Pay (minutes vs 24 hours), it completely lacks B2B-specific features. The platform serves the same fundamental purpose as Square Loans—providing working capital to merchants—but through the PayPal ecosystem instead of Square POS.
Shopify Capital provides funding specifically for Shopify store owners, with flexible repayment terms tied to sales volume. The platform operates on an invitation-only basis, targeting established Shopify merchants with strong sales history.
Key Capabilities:
Competitive Constraints:
Shopify Capital's main advantage over Square Loans is its higher maximum funding amounts and potentially more flexible repayment terms. However, like Square Loans, it serves B2C merchants rather than providing B2B payment infrastructure, making it unsuitable for businesses needing to offer net terms to customers.
BlueVine offers traditional business loans and lines of credit with competitive interest rates. The platform serves small businesses with established credit profiles and revenue history.
Platform Features:
Significant Limitations:
BlueVine represents a more traditional lending approach compared to Square Loans' revenue-based model. While interest rates may be competitive, the platform still creates debt obligations and lacks the B2B payment infrastructure that businesses offering net terms require.
OnDeck provides established small business lending with loan amounts up to $250,000. Owned by Enova International since 2020, OnDeck remains a leading lender for small businesses with strong credit profiles.
Core Offerings:
Critical Constraints:
OnDeck represents the traditional small business lending model, which fundamentally differs from the B2B payment infrastructure that Resolve Pay provides. While it may serve businesses needing working capital, it cannot enable B2B net terms or eliminate payment risk.
FundThrough specializes in invoice factoring for small and medium businesses, providing funding against outstanding invoices. The platform focuses on receivables financing with a streamlined online application process.
Factoring Capabilities:
Important Considerations:
FundThrough represents a more specialized alternative focused specifically on invoice factoring. While it addresses cash flow needs related to accounts receivable, it lacks the comprehensive B2B payment infrastructure, non-recourse protection, and AI-powered automation that Resolve Pay provides.
Credibly offers flexible business financing for small businesses with varying credit profiles. The platform provides multiple financing products including term loans and lines of credit.
Platform Characteristics:
Key Limitations:
Credibly represents another traditional lending option that serves the same fundamental need as Square Loans—providing working capital to small businesses. However, it lacks the B2B-specific features, risk elimination, and payment infrastructure that modern B2B businesses require.
The fundamental difference between Resolve Pay and Square Loans lies in their core purpose. Square Loans provides working capital to B2C merchants through revenue-based lending, while Resolve Pay provides comprehensive B2B payment infrastructure that enables businesses to offer net terms to customers while eliminating risk.
Total Cost of Ownership Analysis:
For a B2B business processing $120,000 annually in net terms transactions, Resolve Pay delivers significantly lower total costs compared to traditional merchant financing options. This dramatic cost difference stems from Resolve Pay's combination of lower transaction fees, eliminated bad debt losses (0% vs estimated 2.5-5% typical), and AR automation labor savings (14+ hours per week at $30/hour).
Strategic Business Impact:
Beyond cost savings, Resolve Pay delivers strategic business advantages that Square Loans cannot match:
For B2B companies evaluating Square Loans alternatives, the choice depends on your specific business model and needs:
Choose Resolve Pay when you need:
Choose Square Loans alternatives when you need:
The key insight is that Resolve Pay serves a fundamentally different need than Square Loans and its alternatives. While Square Loans provides working capital to merchants, Resolve Pay provides the infrastructure to offer payment terms to customers while protecting cash flow and eliminating risk.
For B2B businesses specifically, Resolve Pay represents the only comprehensive solution that combines non-recourse financing, AI-powered credit decisions, full AR automation, and deep ERP integration into a single platform designed specifically for B2B transactions.
Common alternatives include Resolve Pay for B2B businesses needing net terms infrastructure, PayPal Working Capital for PayPal sellers, Shopify Capital for Shopify merchants, and traditional lenders like BlueVine and OnDeck for general business loans. Resolve Pay stands out for B2B businesses by offering 100% non-recourse financing with estimated 2.61-3.5% flat fees compared to Square Loans' typical 10-16% fixed fees.
Unlike traditional business loans that create debt obligations, Resolve Pay's invoice financing provides non-recourse advances on approved invoices with no debt creation. Traditional loans require personal guarantees and create monthly payment obligations regardless of customer payments, while Resolve Pay's model eliminates merchant risk entirely with 100% non-recourse protection.
Yes, offering net terms through Resolve Pay enables growth without debt. Businesses report 40% average order value increases and 20% year-over-year sales growth when offering net terms to customers. Resolve Pay pays you upfront while your customers get 30-90 days to pay, with Resolve taking on all credit risk and collections responsibility.
For B2B startups with no revenue, Resolve Pay's credit check service provides free, instant credit assessments using only company name and address. This enables startups to offer net terms to established customers while getting paid immediately, without requiring the startup to have existing revenue or credit history.
Resolve Pay's B2B BNPL significantly increases customer purchasing power by allowing buyers to purchase what they need now and pay later with no interest or fees for 30-60 days. This short-term capital extension enables customers to place larger orders and make purchases they might otherwise delay, directly driving sales growth for the seller.
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.