Wayflyer Alternatives: Best B2B Net Terms Solutions for 2025

While Wayflyer serves e-commerce brands with revenue-based financing for growth capital, B2B businesses needing to offer net terms to buyers require fundamentally different solutions. Resolve Pay leads this category by enabling sellers to provide 30-90 day payment terms while getting paid immediately—with complete accounts receivable automation and non-recourse protection.

Key Takeaways

Different use cases entirely: Wayflyer provides growth capital to sellers (typically 5-10% fees), while Resolve enables sellers to offer buyer payment flexibility (around 3.5% fees) with immediate cash flow
Non-recourse financing eliminates risk: Resolve provides non-recourse financing with up to 100% advance on approved invoices and next-day payouts
Lower cost of capital: Resolve's transparent fees (up to 3.5% for Net 30) are significantly lower than revenue-based financing costs that typically range from 5-10%
Complete AR automation included: Resolve's platform automates credit checks, invoicing, collections, and reconciliation—unlike pure financing solutions
B2B-focused vs DTC-focused: Resolve specializes in B2B net terms and AR management, while Wayflyer targets DTC e-commerce growth financing
AI-powered underwriting: Modern platforms deliver credit decisions within hours using proprietary algorithms that evaluate thousands of data points

1. Resolve — The Complete B2B Net Terms Platform

Resolve Pay stands out as the premier alternative for B2B businesses that need to offer net terms to buyers while maintaining healthy cash flow. Unlike revenue-based financing platforms that provide growth capital to sellers, Resolve solves the complete B2B payment workflow challenge.

Key Features:

100% non-recourse financing with zero merchant risk on approved invoices
AI-powered credit decisions within 24 hours using proprietary underwriting models
Flexible payment terms for buyers—Net 30, 60, or 90 days
Advance payments up to 100% within one business day
Risk-based fee structure up to 3.5% for Net 30 with a 100% advance
Comprehensive AR automation including payment reminders and collections
White-label payment portal accepting ACH, wire, credit card, and check

Pricing Structure:

Fees typically range from 2.61% to 3.5% for Net 30 terms based on risk and advance percentage
Custom advance rates of 50%, 75%, 90%, or 100% based on buyer creditworthiness
No monthly minimums or hidden charges
Non-recourse advances mean what you receive is always yours to keep

The platform's AI-powered reconciliation reduces manual AR work by up to 50%, while its integrated payment portal maintains your brand relationship with customers. Recent case studies demonstrate significant impact: Archipelago tripled revenue, Shields won new business with net terms, and SSSI achieved 5x revenue growth.

Unlike traditional factoring, Resolve maintains merchant control over customer relationships while eliminating collections burden. The platform currently serves thousands of businesses with backing from key investors including Insight Partners, Initialized Capital, and Commerce Ventures.

2. Clearco — Marketing-Focused Revenue Financing

Clearco specializes in providing growth capital to e-commerce businesses without requiring equity dilution. Founded in 2015 in Toronto, the platform focuses specifically on marketing spend financing rather than B2B payment solutions.

Platform Characteristics:

No personal credit checks required for approval
Data-driven underwriting based on business performance metrics
Marketing analytics integration for ROI optimization
Revenue-share repayment model that flexes with sales cycles
Extensive e-commerce platform integrations

Pricing Considerations:

Flat fee structure not publicly disclosed
Revenue-share model may extend repayment periods
No monthly platform fees
Higher effective cost compared to net terms solutions

Market analysis positions Clearco as ideal for DTC brands scaling ad spend, but the platform doesn't address B2B sellers' need to offer payment flexibility to buyers. The lack of transparent fee disclosure and AR automation capabilities limits its appeal for B2B-focused businesses.

3. 8fig — AI-Driven Supply Chain Financing

8fig combines revenue-based financing with AI-powered supply chain planning tools. The Austin-based platform, founded in 2020, offers up to $10 million in funding with integrated inventory management capabilities.

Key Capabilities:

AI-driven growth planning including Restock Planner and Cash Flow Planner
Supply chain optimization tools alongside financing
No minimum credit score requirements
Extensive e-commerce platform integrations
Inventory-focused underwriting approach

Cost Structure:

Fees typically range from 6–10%+, depending on plan structure
Lower maximum funding ceiling ($10M) compared to some alternatives
No monthly platform fees
Higher cost than B2B net terms alternatives

Industry analysis suggests 8fig excels for inventory-heavy e-commerce sellers needing supply chain insights, but the platform doesn't serve B2B businesses requiring net terms capabilities. The narrow focus on supply chain management rather than payment workflow optimization limits its relevance for B2B sellers.

4. TreviPay — Enterprise B2B Net Terms

TreviPay represents the enterprise alternative for global B2B businesses, processing over $6 billion annually across 32 countries. The established platform offers custom white-labeled net terms programs for large organizations.

Enterprise Features:

Global coverage with international payment processing
Custom white-labeled programs for brand consistency
Extensive ERP integration capabilities
Enterprise-grade security and compliance
Custom term structures beyond standard Net 30/60/90

Implementation Considerations:

Enterprise pricing not publicly disclosed
Lengthy implementation timeline (typically 6 months)
Enterprise-scale usage requirements
Complex enterprise sales process

Industry research indicates that while TreviPay excels for global enterprises needing $100M+ scale, mid-market businesses benefit more from Resolve's faster implementation (weeks vs 6 months) and transparent SaaS pricing model.

5. Billie — European B2B BNPL Specialist

Billie focuses exclusively on the European B2B BNPL market, serving over 750,000+ buyers across the continent. The platform provides instant credit checks and streamlined onboarding for European businesses.

Regional Advantages:

Extensive European buyer network with 750,000+ approved buyers
Local compliance and regulatory expertise
Instant credit decisioning for European businesses
Streamlined onboarding process
Multi-currency support

Market Limitations:

Europe-only focus limits global applicability
Limited presence in North American markets
Pricing structure not publicly disclosed
Narrower integration ecosystem

According to BNPL market analysis, Billie represents the European alternative to global platforms, but North American B2B businesses require solutions with domestic compliance expertise and established local networks.

6. Fundbox — Quick Capital for Small Businesses

Fundbox provides credit lines from $1,000 to $150,000 for small businesses that traditional lenders overlook. Since its founding in 2013, the platform has facilitated access to capital for over 325,000 small businesses and has raised over $550 million in funding to support its operations.

Accessibility Features:

Instant decisions with next-day funding
Credit lines up to $150,000
Flexible repayment terms (12, 24, or 52 weeks)
No personal guarantee required for qualified applicants
Simple online application process

High-Cost Structure:

Fees typically start around 4.66% for 12-week plans
Effective APR often exceeds 35%
Higher cost than net terms alternatives
Better suited for emergency working capital than strategic B2B payment solutions

Financing analysis indicates that while Fundbox provides critical funding when banks won't help, the high costs make it less suitable for businesses seeking sustainable B2B payment solutions.

Making the Right Choice for Your Business

The B2B payments landscape has evolved dramatically, with businesses increasingly seeking solutions that combine payment flexibility for buyers with immediate cash flow for sellers. Federal Reserve industry research, B2B payment terms significantly impact both buyer relationships and seller cash flow management.

For B2B companies evaluating alternatives to revenue-based financing platforms, the choice depends on your specific business model and needs:

Choose Resolve Pay when you need:

To offer net terms to buyers while getting paid immediately
Non-recourse invoice financing to eliminate credit risk on buyer defaults
Complete AR automation including credit checks, payment portal, and collections
Transparent, lower-cost financing (up to 3.5% vs higher revenue-based alternatives)

Choose Revenue-Based Financing when you need:

Large-scale growth capital ($5M-$20M) for DTC e-commerce expansion
Revenue-based repayment that flexes with sales cycles
Marketing analytics alongside financing for DTC brands

Implementation Timeline Reality:

Resolve Pay: 1-3 weeks with existing integrations
Revenue-based platforms: 1-2 weeks for basic setup
Enterprise solutions: 3-6 months for full deployment

Businesses seeking expert guidance on B2B payment platform selection can request a consultation to evaluate their specific requirements and implementation timeline.

Frequently Asked Questions

What is the main difference between Wayflyer and invoice factoring?

Revenue-based financing platforms provide growth capital where the seller receives funding (typically $10K-$20M) and repays a percentage of future sales with fees ranging from 5-10%. Invoice factoring involves selling outstanding invoices to a third party for immediate cash, typically at 70-90% advance rates with 1-5% monthly fees. Resolve combines the best of both approaches with non-recourse financing that advances up to 100% of invoice value at transparent flat fees up to 3.5%.

Can I get revenue-based financing if my business is pre-revenue?

True pre-revenue startups face significant challenges qualifying for revenue-based financing, as these solutions require existing sales history for underwriting. Alternative options for early-stage businesses include personal credit-based loans, SBA microloans, or grants. Resolve's business credit check can help newer businesses understand their creditworthiness before pursuing financing options.

How do advance rates work in invoice factoring and AR financing?

Advance rates represent the percentage of invoice value paid upfront by the financing provider. Traditional factoring typically offers 70-90% advances, while Resolve provides flexible advance rates of 50%, 75%, 90%, or up to 100% based on buyer creditworthiness and risk assessment. Higher advance rates typically correlate with higher fees, allowing businesses to choose their preferred balance of immediate cash versus total cost.

Is revenue-based financing better than an SBA loan for fast-growing businesses?

Revenue-based financing offers faster approval (24-48 hours) and flexible repayment tied to sales, but at significantly higher costs (typically 5-10% fees). SBA loans provide lower-cost, long-term capital but require extensive documentation, personal guarantees, and 30-90 day approval timelines. According to the Small Business Administration, SBA 7(a) loan rates are typically based on the prime rate plus a margin, with current APRs often in the 10-15% range. The choice depends on urgency versus cost sensitivity—fast-growing businesses needing immediate capital often choose revenue-based financing despite higher costs.

What integrations should I look for in a B2B financing platform?

Essential integrations include ERP and accounting software (QuickBooks, NetSuite, Xero), ecommerce platform connectivity (Shopify, BigCommerce, WooCommerce), and automated reconciliation capabilities. Resolve's platform offers comprehensive integration support with leading ERP, accounting, and commerce platforms, enabling seamless data flow and eliminating manual entry errors.

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.