B2B BNPL and net terms for small business buyers
Asked as “B2B buy now pay later provider”, and as “net terms financing for B2B sales”, on behalf of a small B2B company. 48 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the October 2026 Edition on October 4, 2026; its answers are read by the distilled judge (ai-indexes-judge-qwen3-14b-run3), not the claude-opus-5 judge of the earlier categories: how the two compare.
Standing · first-choice share
33%
Contested · Balance 12%
33Resolve Pay12Balance10Credit Key44others
33% of first choices, contested.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
For buyers
All twenty-one head-to-head pages: the top seven products, each against each
Resolve Pay vs MonduResolve Pay vs BalanceResolve Pay vs FundboxCredit Key vs BillieCredit Key vs SlopeCredit Key vs MonduCredit Key vs BalanceCredit Key vs FundboxBillie vs SlopeBillie vs MonduBillie vs BalanceBillie vs FundboxSlope vs MonduSlope vs BalanceSlope vs FundboxMondu vs BalanceMondu vs FundboxBalance vs Fundbox
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
01
02
03
04
05
06
07
08
09
10Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Resolve Pay33%
Resolve Pay33%02Balance12%
Balance12%03Credit Key10%
Credit Key10%04Slope4%
Slope4%05Billie4%
Billie4%06Fundbox4%
Fundbox4%07Affirm2%
Affirm2%08Mondu0%
Mondu0%09TreviPay0%
TreviPay0%10Hokodo0%
Hokodo0%What they warned about
Three of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar, Grok 4.1 Fast, Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5 and Muse Glimmer 30B changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
Hokodo41%
9 of 22 labels negative · 7 of 14 models · 8 hard negative
“Hokodo officially shut down operations after citing issues with scaling too quickly and product complexity. All Hokodo debts were sold off to debt collection agencies.” Gemini 3.5 Flash, negative prompt
Fundbox59%
10 of 17 labels negative · 5 of 14 models · 5 hard negative
“Fundbox/Bluevine – These are working-capital lenders, not true BNPL net-term providers. They are recourse-based” DeepSeek V4 Flash, negative prompt
TreviPay36%
8 of 22 labels negative · 5 of 14 models · 2 hard negative
“charge setup fees in the five figures and have monthly minimums — avoid these if you're on a tight budget” Kimi K2, budget prompt
Sprinque
100%
4 of 4 labels negative · 4 of 14 models · 4 hard negative
“Another notable Amsterdam-based B2B trade credit and BNPL provider that completely ceased operations.” Gemini 3.5 Flash, negative prompt
What they cite
Citations exist only for the models that return a source list: fourteen of the fourteen in this edition, and all six flagship models on the expanded tier.
Sites the answers cite
79 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 1161 links across 266 sites, every framing counted. Ranked by the number of answers carrying the site or page. None of the 252 answers across every segment cited this index's own page for the category.
vendor site · Resolve Pay64 answers · 214 citations · 14 models
36 answers · 36 citations · 11 models
vendor site · Solidgate33 answers · 33 citations · 11 models
vendor site · Two27 answers · 37 citations · 13 models
26 answers · 31 citations · 11 models
vendor site · Ratiotech25 answers · 28 citations · 11 models
vendor site · Whop25 answers · 25 citations · 11 models
vendor site · Mondu22 answers · 34 citations · 10 models
21 answers · 21 citations · 11 models
18 answers · 18 citations · 10 models
16 answers · 19 citations · 11 models
vendor site · Hokodo16 answers · 17 citations · 10 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
36 answers · 11 models
33 answers · 11 models
31 answers · 11 models
25 answers · 11 models
23 answers · 10 models
21 answers · 11 models
18 answers · 9 models
18 answers · 10 models
17 answers · 9 models
16 answers · 7 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “b2b bnpl and net terms providers”, “b2b buy now pay later provider”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Resolve resolvepay.com Resolve Pay 33%, Resolve Finance 2% | 35% | 179 | 480 | 60 | 11,436 company | $316 | 6 | 1 |
| Balance getbalance.com | 12% | 75 | 135,000 | 530,217 | 1,277 | 2 | ||
| Credit Key creditkey.com | 10% | 74 | 3,600 | 661 | 2,569 | 5 | ||
| Slope slopepay.com | 4% | 48 | 823,000 | 94,028 | 1,184 | |||
| Billie billie.io | 4% | 71 | 40,500 | 386,430 | 333 | |||
| Fundbox fundbox.com | 4% | 34 | 12,100 | 156 | 19,441 | |||
| BackdPayments backd.com BackdPayments 2%, Backd Business Finance 2% | 4% | 3 | ||||||
| Affirm affirm.com | 2% | 29 | 1,220,000 | 64,786 | 1,194,192 | 0 | ||
| Capchase Pay capchase.com | 2% | 22 | 20 | 0 | 11,062 | |||
| Melio melio.com | 2% | 277 | 33,100 | 492 | 36,039 | $1,429 | 60 |
Google's top ten for the two searches hold 15 sites; 2 of them are among the sites the models cited here (mondu.ai, resolvepay.com). The first result for “b2b bnpl and net terms providers” is resolvepay.com.
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.ShowHide
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHideModelDirect“What is the best B2B buy now pay later provider for a small B2B company?”Paraphrase“Which net terms financing for B2B sales would you recommend to a small business that sells to other businesses?”Comparative“What are the top B2B BNPL and net terms providers for a small team and how do they differ?”Budget-constrained“What is the best B2B buy now pay later provider for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a B2B buy now pay later provider. What should we look at?”Negative“Which B2B BNPL and net terms providers should a small business avoid or be cautious about?”
Claude Haiku 4.5Credit Key, Resolve Payno first choiceChangedResolve PaySlopeno first choiceagainst: Hokodo, Sprinque
Five alternatives
Billie, Credit Key, Mondu, TreviPay, VartanaFive alternatives
Affirm, Afterpay, Klarna's Pay in 4, Ratio Boost, TranchGPT-5.4 miniKlarna, Stripeno first choiceChangedResolve PayBILLno first choiceagainst: Corpay, Fundo, Kafene, SBGA, Sezzle, TimePayment
One alternative
AffirmFour alternatives
BackdPayments, Balance, Hokodo, TwoTwo alternatives
Melio, Resolve PayGemini 3.5 FlashResolve Payagainst: SlopeResolve PayHeldResolve Payagainst: Balance, Slope, TreviPayBillie, Capchase Payagainst: Resolve PayResolve Payagainst: Hokodo, Quill, Sprinque, Uline
Five alternatives
Affirm, Balance, Hokodo, Mondu, RatioFour alternatives
Balance, Billie, Mondu, SlopeThree alternatives
Billie, Credit Key, MonduTwo alternatives
Credit Key, MonduSix alternatives
Balance, Billie, Hokodo, Mondu, Slope, TreviPayPerplexity SonarCredit Keyno first choiceChangedHokodo, TwoCredit Keyno first choicenothing named
Three alternatives
Billie, Hokodo, MonduFour alternatives
Balance, Billie, Credit Key, FundboxTwo alternatives
Affirm, KlarnaGrok 4.1 FastBalance, Fundboxagainst: Hokodo, Mondu, TreviPay, TwoResolve PayChangedBalance, Resolve Payagainst: QuickBooksBalance, Fundboxno first choiceagainst: Afterpay, TriumphPay, Zip
Three alternatives
Credit Key, Resolve Pay, SlopeThree alternatives
Credit Key, Stripe Capital, TipaltiFive alternatives
BILL, Credit Key, Slope.io, Terms.Tech, TreviPayTwo alternatives
Credit Key, Resolve PayMistral SmallBalance, Resolve Payno first choiceChangedResolve Payagainst: FundboxSezzleno first choiceagainst: CreditGate, FundThrough, Perpay, Sprinque, Zilch
One alternative
Credit KeyTwo alternatives
Billie, TreviPayTwo alternatives
Balance, SplititDeepSeek V4 FlashResolve Payagainst: Hokodo, TreviPayResolve PayHeldagainst: FundboxResolve Payagainst: TreviPaySlopeagainst: Affirm, Afterpay, Billie, Capchase Pay, Klarnano first choiceagainst: Hokodoagainst: Billie, Bluevine, Fundbox, Mondu, PayPal Working Capital, Stripe Capital, Treyd
Two alternatives
Balance, Credit KeyFour alternatives
FundThrough, Riviera Finance, Slope, altLINEThree alternatives
Balance, Terms.Tech, TwoTwo alternatives
Balance, Resolve PayLlama 4 Maverickno first choiceBackd Business Finance, Resolve Pay, TradeCredChangedno first choiceno first choiceno first choicenothing named
Qwen 3.7 FlashResolve FinanceBalance PaymentsChangedagainst: FundboxTwoFuturePayagainst: Affirm, Klarnano first choiceagainst: Amazon Business, Billie, Credit Key, Grainger Industrial, Newegg Business, Quill, Staples Business Direct, Two
Four alternatives
Capchase Pay, Clearco, Credit Key, OpenPayrTwo alternatives
FundThrough, Resolve PayFour alternatives
Balance, Billie, Mondu, Resolve PayTwo alternatives
PayPal Pay Later, Shop Pay InstallmentsKimi K2Balance, Resolve Payagainst: Fundbox, TreviPayCredit Key, Resolve PayChangedMelio, Resolve Payagainst: Fundbox, HokodoMelioagainst: Allianz Trade Pay, Fundbox, TreviPayno first choiceagainst: Afterpay, Fundbox, Mondu, PayPal Credit / PayPal Pay in 4
One alternative
Two.incTwo alternatives
Backd Payments, BalanceThree alternatives
Balance, Mondu, Two.incTwo alternatives
Billie, Resolve PayGLM 4.7 FlashXBalanceno first choiceChangedResolve Payno first choiceno first choiceagainst: Hokodoagainst: BizPay, BlueVine BNPL, Hokodo, Laybuy, Openpay, Sprinque
Three alternatives
Affirm, Resolve Pay, TabitFour alternatives
Balance Payments, Capchase Pay, Fundbox, TreviPayMiniMax M2.5Affirm, BillieBackd, Resolve PayChangedResolve PayCredit Key, Zipno first choiceagainst: Seek Capital
Four alternatives
Hokodo, Klarna, PayPal Pay Later, SplititTwo alternatives
Balance, TreviPayTwo alternatives
Affirm, KlarnaGPT-6 LunaResolve PayResolve PayHeldagainst: TreviPayAmazon Business Credit AccountBackdPaymentsno first choiceagainst: Hokodo, Resolve Pay, TreviPay
Two alternatives
Slope, TreviPayOne alternative
Credit KeyThree alternatives
Credit Key, Resolve Pay, TreviPay Pay by InvoiceOne alternative
Faire Net 60Muse Glimmer 30BBalance, Resolve Payno first choiceChangedBalance, Resolve Payagainst: Fundbox, MelioResolve Payagainst: Affirm, Klarnano first choiceagainst: Fundbox
One alternative
Resolve PayTwo alternatives
Behalf, SlopeThree alternatives
Balance, PayPal Pay In 4, PayPal Pay LaterBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The record
One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency. Full answer text is in the free responses file. Download the record
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:21 | yes | 9 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:18 | yes | 3 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 23:19 | yes | 15 | 21 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-04 22:36 | yes | 19 | 4 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:54 | yes | 21 | 12 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:41 | yes | 10 | 9 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:48 | yes | 24 | 40 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:38 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 23:13 | yes | 10 | 24 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 23:10 | yes | 19 | 25 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 23:04 | yes | 22 | 56 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:45 | yes | 19 | 89 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:46 | yes | 3 | 16 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:16 | yes | 22 | 30 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:54 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:18 | yes | 3 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:19 | yes | 20 | 23 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-04 23:12 | yes | 22 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 23:05 | yes | 14 | 8 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 23:03 | no | 0 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 23:24 | yes | 23 | 63 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:39 | yes | 9 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:54 | yes | 9 | 27 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 23:20 | yes | 15 | 16 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 23:07 | yes | 15 | 76 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:40 | yes | 5 | 18 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-04 23:00 | yes | 4 | 16 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:13 | yes | 22 | 23 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 23:09 | yes | 15 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 23:03 | yes | 5 | 9 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 23:21 | yes | 13 | 28 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-04 23:05 | yes | 19 | 4 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:38 | yes | 20 | 14 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 23:21 | yes | 15 | 11 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:34 | yes | 23 | 48 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 23:16 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:52 | yes | 10 | 28 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:14 | yes | 25 | 32 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 23:02 | yes | 22 | 153 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:19 | yes | 19 | 37 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:26 | yes | 6 | 24 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:46 | yes | 21 | 42 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:32 | yes | 16 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:15 | yes | 3 | 6 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:50 | yes | 23 | 27 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-04 22:33 | yes | 18 | 5 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 23:14 | yes | 18 | 16 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:42 | yes | 9 | 6 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 23:22 | yes | 19 | 79 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:38 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:43 | yes | 17 | 75 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:55 | yes | 20 | 22 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 23:26 | yes | 21 | 85 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:55 | yes | 16 | 39 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:30 | yes | 2 | 12 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 23:19 | yes | 17 | 29 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:58 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 23:23 | no | 0 | 9 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:58 | yes | 10 | 22 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-04 22:44 | yes | 19 | 4 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 23:17 | yes | 13 | 11 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:39 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:33 | yes | 21 | 37 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:39 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:50 | yes | 10 | 26 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 23:45 | yes | 8 | 15 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:32 | yes | 23 | 172 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:14 | yes | 5 | 15 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:24 | yes | 2 | 20 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 23:12 | yes | 12 | 28 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:23 | yes | 25 | 12 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:27 | yes | 6 | 8 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 23:11 | yes | 15 | 25 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-04 23:02 | yes | 20 | 3 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:47 | yes | 25 | 12 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:40 | yes | 10 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:34 | yes | 21 | 78 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 23:10 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:34 | yes | 25 | 53 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:12 | yes | 24 | 33 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:23 | yes | 25 | 45 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:16 | yes | 24 | 31 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:24 | yes | 3 | 27 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:25 | yes | 21 | 28 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
ShowHide
Category-scoped readings
Capchase read as Capchase Pay
Resolve read as Resolve Pay
Resolve (Resolve Pay) read as Resolve Pay
Unresolved, counted raw
Amazon Business Credit Account
Backd
Backd Business Finance
Backd Payments
BlueVine BNPL
Clearco (now part of Perx)
CreditGate
Faire Net 60
Fastenal
Fundo
Grainger Industrial
Kafene
Klarna's Pay in 4
Net Terms Inc.
Newegg Business
OpenPayr
PayPal Credit / PayPal Pay in 4 (B2B)
PayPal Pay In 4
Porter Capital
Ratepay
Resolve Finance
SBGA
Scale Funding
Seek Capital
Shop Pay Installments
Slope.io
Staples Business Direct
Summa Office Supplies
Tabit
TimePayment
TreviPay Pay by Invoice
Treyd
TriumphPay
Wisetack
Discontinued, still offered
No shut-down product was recommended here.