Sunwise Capital Alternatives: Modern Solutions for B2B Financing in 2025

While Sunwise Capital provides merchant cash advances to many customers, B2B businesses are increasingly turning to more sophisticated alternatives that eliminate credit risk, reduce costs by up to 78%, and automate accounts receivable workflows. Resolve Pay's platform leads this transformation by combining non-recourse invoice financing with AI-powered automation—addressing the core challenges that traditional lenders like Sunwise Capital cannot solve.

Key Takeaways

100% non-recourse protection eliminates risk: Resolve provides non-recourse financing with up to 100% advance payment on approved invoices, ensuring you keep what you earn regardless of customer payment
78% lower total cost of ownership: Resolve's transparent 2.6-3.5% flat fee structure costs significantly less than Sunwise Capital's factor rates, which can result in estimated 30%+ APR equivalents
Complete AR automation saves 14+ hours weekly: Unlike capital-only providers, Resolve offers end-to-end AR automation including invoicing, payment reminders, collections, and reconciliation
AI-powered underwriting delivers instant decisions: Resolve's proprietary AI evaluates buyer creditworthiness in seconds versus Sunwise Capital's manual processes that take hours or days
Proven business growth impact: Resolve customers report 5x revenue growth, 50% higher average order values, and 50% increase in repeat buyers
Seamless technology integration: QuickBooks auto-bookkeeping, ecommerce checkout extensions, and white-label payment portals create a unified financial ecosystem

1. Resolve — The Complete B2B Payment Solution with Zero Risk

Resolve Pay stands as the premier Sunwise Capital alternative by fundamentally reimagining B2B payments as a holistic solution rather than just a funding source. Backed by PayPal co-founder Max Levchin and serving over 15,000+ businesses, Resolve combines embedded credit expertise, invoice financing, and payment processing into a single platform that eliminates the limitations of traditional merchant cash advances.

Key Features:

100% non-recourse financing with zero merchant risk—Resolve absorbs all credit losses
AI-powered credit underwriting delivering instant decisions in seconds
Net 30, 60, or 90 terms for your customers while you get paid in 1-2 days
Up to 100% advance on approved invoices within one business day
Risk-based transparent fees ranging from 2.6-3.5% for Net 30
QuickBooks auto-bookkeeping with automatic transaction syncing
White-label payment portal accepting ACH, wire, credit card, and check
Ecommerce checkout integration for BigCommerce, Shopify, WooCommerce, and Magento

Pricing Structure:

Transparent flat fees per invoice: 2.6-3.5% for Net 30 terms based on risk
No hidden costs—credit card fees passed directly to buyers
No monthly minimums, setup fees, or application costs
Custom plans available for enterprise volumes through scoped implementation

Resolve's platform delivers quantifiable business impact: customers achieve 5x revenue growth, 50% increase in average order value, and 50% higher repeat buyer rates. The AI-powered automation saves 14+ hours weekly on AR tasks, while the non-recourse structure eliminates bad debt exposure entirely.

Unlike Sunwise Capital's merchant cash advances that require daily ACH debits and place all repayment risk on the business, Resolve evaluates your customers' creditworthiness—not yours. This buyer-focused approach enables B2B companies to offer net terms and grow revenue while maintaining healthy cash flow through immediate advance payments.

The platform's LLM-powered invoicing workflow automatically reconciles transactions across systems, reducing manual work by 90%. Recent case studies demonstrate significant outcomes: SSI achieved 5x revenue growth, Archipelago tripled their revenue, and ConEquip grew their net terms business without taking on additional risk.

Understanding the B2B Financing Evolution

The B2B financing landscape has evolved dramatically since Sunwise Capital's founding in 2010. Modern businesses require solutions that address not just working capital gaps but also the operational burden of managing accounts receivable, the risk of customer defaults, and the competitive necessity of offering flexible payment terms.

According to the U.S. Small Business Administration, effective working capital management is critical for business sustainability, with invoice financing emerging as a preferred solution for B2B companies. Independent comparison research notes, "For most B2B businesses in 2025, invoice financing is generally the better choice than a merchant cash advance (MCA) because it is usually cheaper, less risky for cash flow, and scales better with your receivables."

The shift from traditional merchant cash advances to integrated payment solutions reflects broader trends in B2B commerce. Recent Federal Reserve data shows that small businesses increasingly prioritize flexible payment options and automated financial workflows to remain competitive.

2. Lendio — Marketplace Access to Multiple Lenders

Lendio operates as a lending marketplace connecting businesses to a network of 75+ partner lenders through a single application. Founded in 2011, the platform provides access to various financing types including term loans, lines of credit, and SBA loans that may not be available through direct lenders.

Platform Strengths:

One application to access 75+ lenders
Potential access to lower rates through traditional banks
Multiple product types: SBA loans, equipment financing, working capital
Rate shopping capability to find best terms
Established marketplace with years of operation

Limitations for B2B Businesses:

No accounts receivable automation or payment processing
Merchant bears all credit risk on approved loans
No net terms capabilities for customer financing
Dependent on partner lender approval and terms
No integration with B2B ecommerce or accounting systems

While Lendio provides valuable access to diverse lending options, it fundamentally operates as a capital marketplace rather than a B2B payment solution. Businesses seeking to offer net terms to customers while protecting their cash flow will find Lendio's approach incomplete compared to Resolve's integrated platform.

3. OnDeck — Established Online Business Lender

OnDeck represents one of the pioneering online business lenders, founded in 2006 with extensive experience serving small and medium businesses. The platform offers term loans and lines of credit with transparent APR-based pricing for qualified borrowers.

Core Features:

Term loans and revolving lines of credit
Minimum credit score 625+
Fast funding compared to traditional banks
Established track record in online lending
Transparent pricing structure

Key Limitations:

Higher average APR compared to invoice financing alternatives
Merchant bears all repayment risk
No AR automation or payment processing capabilities
No net terms financing for customer acquisition
Limited integration with B2B systems

OnDeck serves businesses needing general-purpose capital but doesn't address the specific challenges of B2B invoice management, customer credit evaluation, or competitive payment terms. The platform's recourse-based lending model places all risk on the merchant, unlike Resolve's non-recourse protection.

4. Fora Financial — Revenue-Based Financing Specialist

Fora Financial specializes in revenue-based financing and merchant cash advances for businesses with as little as six months of operating history. Founded in 2008, the company focuses on revenue-focused underwriting rather than traditional credit metrics.

Platform Characteristics:

Minimum 6 months in business requirement
Accepts credit scores 570+
Revenue-based qualification criteria
Fast approval and funding process
Factor rate pricing structure

Considerations for B2B Companies:

Factor rate pricing can result in higher effective costs
Daily or weekly repayment debits impact cash flow
No protection against customer non-payment
No AR automation or business process improvement
No net terms capabilities for customer retention

Fora Financial's revenue-based approach may benefit very young businesses that don't qualify elsewhere, but established B2B companies with regular invoicing cycles typically find better value in invoice financing solutions.

5. Credibly — Merchant Cash Advance Provider

Credibly focuses primarily on merchant cash advances and working capital loans for businesses with lower credit profiles. Operating since 2010, the platform emphasizes speed and accessibility over cost efficiency.

Service Features:

Accepts credit scores 500+
Fast funding with minimal documentation
Revenue-focused underwriting approach
Same-day to 24-hour funding available
Simplified application process

Limitations for B2B Operations:

Factor rate pricing with estimated 30%+ APR equivalents
Merchant bears 100% of repayment risk
Daily ACH debits can strain B2B cash flow
No AR automation or payment processing
No customer financing capabilities

Credibly serves a specific niche of businesses with poor credit that need immediate capital, but B2B companies seeking sustainable growth solutions typically require more comprehensive platforms.

Why Modern B2B Businesses Choose Integrated Payment Solutions

The fundamental difference between Resolve and traditional lenders like Sunwise Capital lies in their approach to B2B commerce. Sunwise Capital and similar providers offer general-purpose working capital with the merchant bearing all risk, while Resolve provides a specialized solution that addresses the unique challenges of B2B transactions.

Total Cost of Ownership Comparison

For a B2B wholesaler processing $500K annually in invoices on Net 60 terms, the difference is dramatic:

Resolve Pay: $13,000-$17,500 total annual cost (2.6-3.5% flat fee)
Sunwise Capital: Estimated $78,200+ total annual cost (1.15 factor rate on $500K)

This estimated 78% cost advantage comes while Resolve provides additional value through AR automation, risk elimination, and growth enablement—features completely absent from traditional MCA providers.

Risk Management Transformation

Traditional lenders require businesses to bear 100% of credit risk, creating exposure to bad debt that can wipe out profits. According to credit industry research, B2B businesses lose an average of 1.5-2% of revenue to bad debt annually. Resolve's 100% non-recourse structure eliminates this risk entirely, allowing businesses to scale net terms offerings without proportional risk increase.

The non-recourse advantage becomes even more significant during economic uncertainty. When customer payment behaviors become unpredictable, businesses using recourse financing face double exposure—both reduced revenue and continued debt obligations. Resolve's model insulates suppliers from this risk entirely.

Technology Integration Benefits

Resolve's QuickBooks integration eliminates manual reconciliation errors and saves an average of 14+ hours weekly on AR tasks. The ecommerce checkout integration converts approximately 40% more browsers to buyers by offering net terms at point of sale. These technology advantages create operational efficiency that traditional capital providers cannot match.

The platform's white-label payment portal maintains brand consistency while providing customers with flexible payment options. Buyers can pay via ACH, wire transfer, credit card, or check—all through a single interface that automatically updates accounting systems.

Competitive Advantage in B2B Markets

Offering net terms has become table stakes in many B2B industries. Businesses that cannot provide flexible payment options lose deals to competitors who can. However, extending net terms without proper infrastructure creates three problems:

Cash flow gaps: Waiting 30-90 days for payment strains working capital
Credit risk exposure: Customer defaults directly impact profitability
Administrative burden: Manual AR management consumes valuable time

Resolve solves all three simultaneously. Suppliers get paid in 1-2 days (up to 100% advance), Resolve assumes all credit risk, and automated workflows handle collections and reconciliation.

Making the Right Choice for Your B2B Business

When evaluating Sunwise Capital alternatives, consider your specific business model and needs:

Choose Resolve when you:

Operate a B2B business with regular invoicing
Want to offer net terms without credit risk
Need to reduce AR management overhead
Seek to increase average order values and customer retention
Require transparent, predictable pricing
Want seamless integration with existing systems

Consider traditional lenders when you:

Operate a B2C retail or restaurant business with daily card sales
Need general-purpose capital for non-invoice expenses
Have very poor credit (below 500) and no B2B invoice history
Require funding for equipment, real estate, or other non-AR needs

For B2B companies specifically, Resolve's integrated approach delivers superior value through lower costs, eliminated risk, operational automation, and proven business growth impact. The platform's ability to provide 1-day payment while allowing customers to buy now, pay later creates a win-win scenario that traditional lenders cannot replicate.

Implementation and Onboarding

Getting started with Resolve involves a streamlined process designed to minimize disruption:

Application: Complete a brief online application with basic business information
Integration: Connect your accounting system (QuickBooks, Xero, etc.) and ecommerce platform if applicable
Customer Setup: Import existing customers or add new buyers for credit evaluation
Go Live: Start offering net terms with instant credit decisions and automated workflows

Most businesses complete onboarding within 1-2 weeks, with enterprise implementations taking slightly longer depending on customization requirements. The platform's scoped implementation process ensures smooth integration with existing systems and workflows.

Long-Term Partnership Value

Beyond immediate financing benefits, Resolve functions as a strategic growth partner. The platform's data analytics provide insights into buyer behavior, payment trends, and creditworthiness patterns that inform business strategy. Companies using Resolve report making better decisions about which customers to pursue, how to structure payment terms, and when to expand credit lines.

The non-recourse protection also enables more aggressive growth strategies. Businesses can confidently pursue larger customers and higher-volume orders without fear that a single default will jeopardize financial stability. This risk mitigation proves especially valuable when entering new markets or launching new product lines.

Frequently Asked Questions

What are modern alternatives to traditional small business loans like those offered by Sunwise Capital?

Modern alternatives like Resolve Pay focus specifically on B2B invoice financing rather than general-purpose loans. These platforms offer non-recourse financing where the provider assumes all credit risk, transparent flat-fee pricing (2.6-3.5% vs. factor rates), and integrated accounts receivable automation. Unlike Sunwise Capital's merchant cash advances that require daily ACH debits and place all risk on the merchant, modern B2B solutions evaluate customer creditworthiness and provide immediate advance payments while customers maintain standard net terms.

How can B2B Net Terms help my business with cash flow and customer relationships?

B2B Net Terms enable you to offer competitive payment terms while maintaining healthy cash flow through immediate advance payments. Resolve advances up to 100% of approved invoices within one business day, so you receive payment immediately while customers get 30, 60, or 90 days to pay. This approach increases average order values by approximately 50%, drives 50% higher repeat buyer rates, and eliminates bad debt risk through 100% non-recourse protection. The branded payment portal maintains your customer relationships while Resolve handles collections and credit management.

Is invoice financing a 'loan' or a 'sale' of receivables, and why does 'non-recourse' matter?

Resolve's invoice financing is neither a traditional loan nor a sale of receivables—it's a non-recourse advance where Resolve assumes all credit risk. With traditional recourse financing or loans, you remain liable if customers don't pay, potentially wiping out profits with bad debt. Non-recourse means Resolve absorbs 100% of losses from customer non-payment, so what you receive is always yours to keep. This risk elimination allows businesses to scale net terms offerings without proportional risk increase, fundamentally changing the economics of B2B credit extension.

How does Resolve's AI-powered platform streamline B2B payments and credit decisions?

Resolve's AI-powered platform uses proprietary machine learning models to evaluate thousands of buyer data points in real-time, delivering credit decisions in seconds versus hours or days for manual underwriting. The LLM-powered invoicing workflow automatically reconciles transactions across systems, while AI agents manage payment reminders and collections workflows. This automation saves an average of 14+ hours weekly on AR tasks and reduces manual errors by approximately 90%. The system integrates seamlessly with QuickBooks for auto-bookkeeping and ecommerce platforms for instant credit approval at checkout.

What are the typical fees associated with using Resolve for net terms and invoice advancement?

Resolve charges transparent, flat fees per invoice rather than factor rates or variable APRs. Fees range from 2.6-3.5% for Net 30 terms, translating to approximately 15.7-21% annualized equivalent costs. This compares favorably to Sunwise Capital's factor rates that can result in estimated 30%+ APR equivalents. Credit card processing fees are passed directly to buyers through the payment portal, so merchants incur no additional transaction costs. There are no monthly minimums, setup fees, or hidden charges—just a clear fee per funded invoice based on risk assessment and advance percentage.

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.