Index › Finance › Receivables and billing › B2B BNPL and terms › Small business · November 2026 Edition
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. 41 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
34%
Contested · Resolve Pay 34%
34Credit Key34Resolve Pay05Affirm for Business27others
34% of first choices, contested.
Since October 2026▲+1Since October 2026: 33% → 34%, +1 point. Inside the 10-point floor: within noise.Resolve Pay held the lead, +1 point on 33%, inside the 10-point floor.
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.
Small business
Resolve Pay34%Contested▲+1Since October 2026: 33% → 34%, +1 point. Inside the 10-point floor: within noise.This pageMid-marketResolve Pay51%Clear leader▼−5Since October 2026: 56% → 51%, −5 points. Inside the 10-point floor: within noise.Standing →Enterprise
TreviPay47%Clear leader▲+6Since October 2026: 41% → 47%, +6 points. Inside the 10-point floor: within noise.Standing →
Resolve Pay34%Contested▲+1Since October 2026: 33% → 34%, +1 point. Inside the 10-point floor: within noise.This pageMid-marketResolve Pay51%Clear leader▼−5Since October 2026: 56% → 51%, −5 points. Inside the 10-point floor: within noise.Standing →EnterpriseTreviPay47%Clear leader▲+6Since October 2026: 41% → 47%, +6 points. Inside the 10-point floor: within noise.Standing →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 rateLabelsQuadrantSince October 2026
01Resolve Pay34%7%55endorsed leader▲+1Since October 2026: 33% → 34%, +1 point. Inside the 10-point floor: within noise.33% → 34%
Resolve Pay34%7%55endorsed leader▲+1Since October 2026: 33% → 34%, +1 point. Inside the 10-point floor: within noise.33% → 34%02
Credit Key34%5%40endorsed leader▲+24Since October 2026: 10% → 34%, +24 points. Past the 10-point floor: movement.10% → 34%
Credit Key34%5%40endorsed leader▲+24Since October 2026: 10% → 34%, +24 points. Past the 10-point floor: movement.10% → 34%03Affirm for Business5%38%16criticized challenger▲+3Since October 2026: 2% → 5%, +3 points. Inside the 10-point floor: within noise.2% → 5%
04
Two2%12%25accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Two2%12%25accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%05
Billie2%13%23accepted challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%
Billie2%13%23accepted challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%06
Balance2%8%12accepted challenger▼−10Since October 2026: 12% → 2%, −10 points. Inside the 10-point floor: within noise.12% → 2%
Balance2%8%12accepted challenger▼−10Since October 2026: 12% → 2%, −10 points. Inside the 10-point floor: within noise.12% → 2%Show the six products at 0%, ordered by negative rate
12Klarna0%67%12criticized challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
11
Hokodo0%50%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Hokodo0%50%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%10
Fundbox0%32%19criticized challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 0%
Fundbox0%32%19criticized challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 0%09TreviPay0%18%22accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
TreviPay0%18%22accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%07
Capchase Pay0%5%22accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Capchase Pay0%5%22accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%08
Mondu0%0%22accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Mondu0%0%22accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one can't be told apart from repeat variation, and both are shown. Each index measures its own floor from its own repeat, over its own categories, so the floor differs from one index to the next. Both editions asked the same fourteen models. How the floor is measured
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.
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not small business.
All ten head-to-head pages: the top five products, each against each
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 →
0102A03
0405060708091011K12
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Resolve Pay34%
Resolve Pay34%02Credit Key34%
Credit Key34%03Affirm for Business5%
04Two2%
Two2%05Billie2%
Billie2%06Balance2%
Balance2%07Capchase Pay0%
Capchase Pay0%08Mondu0%
Mondu0%09TreviPay0%
TreviPay0%10Fundbox0%
Fundbox0%11Hokodo0%
Hokodo0%12Klarna0%
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 4.20, 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.
Klarna
67%
8 of 12 labels negative · 6 of 14 models · 2 hard negative
“Klarna is a consumer-first product awkwardly adapted to B2B. The fee structure and payout delays are not merchant-friendly for low-margin B2B operations.” DeepSeek V4 Flash, negative prompt
Affirm for Business
38%
6 of 16 labels negative · 5 of 14 models
“Affirm's U.S. B2B page describes its offering as being for *sole proprietor* customers... confirm the product is actually available for that borrower” GPT-6 Luna, negative prompt
Hokodo50%
5 of 10 labels negative · 4 of 14 models · 1 hard negative
“Hokodo has ceased all operations, making it no longer a viable option for B2B payment terms” Mistral Small, negative prompt
Resolve Pay7%
4 of 55 labels negative · 4 of 14 models · 1 hard negative
“Options to Avoid on a Tight Budget - Resolve Pay: Charges $99–$499/month in subscription fees” Kimi K2, budget prompt
What they cite
Fourteen of the fourteen models returned a source list in this edition: five return the pages they cited and nine the search results they consulted.
Sites the answers cite
75 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. 968 links across 210 sites, every framing counted. Ranked by the number of answers carrying the site or page. 9 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
vendor site · Resolve Pay51 answers · 146 citations · 14 models
41 answers · 42 citations · 13 models
vendor site · Credit Key36 answers · 58 citations · 14 models
vendor site · Two28 answers · 43 citations · 12 models
24 answers · 24 citations · 11 models
vendor site · Ratiotech21 answers · 28 citations · 11 models
18 answers · 18 citations · 9 models
15 answers · 15 citations · 8 models
vendor site · Shopify15 answers · 15 citations · 9 models
vendor site · Mondu14 answers · 19 citations · 7 models
14 answers · 14 citations · 9 models
13 answers · 13 citations · 9 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.
40 answers · 13 models
24 answers · 11 models
17 answers · 11 models
15 answers · 8 models
15 answers · 9 models
14 answers · 9 models
14 answers · 9 models
13 answers · 9 models
11 answers · 8 models
10 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 34% | 34% | 179 | 480 | 60 | 11,436 company | $316 | 6 | 1 |
| Credit Key creditkey.com | 34% | 97 | 3,600 | 661 | 2,569 | 5 | ||
| Affirm for Business affirm.com | 5% | 31 | 1,194,192 | 0 | ||||
| Ramp ramp.com Ramp Flex 5% | 5% | 4 | 246,000 | 49,733 | 770,056 | $13,511 | 120 | |
| BackdPay backd.com Backd Business Finance 2%, BackdPay 2%, BackdPayments 0% | 5% | 5 | ||||||
| Two two.inc | 2% | 89 | 135,000 | 2,034,237 | 1,827 | 0 | ||
| Billie billie.io | 2% | 75 | 40,500 | 386,430 | 333 | |||
| Balance getbalance.com | 2% | 59 | 135,000 | 530,217 | 1,277 | 2 | ||
| Amazon Business Credit Account | 2% | |||||||
| Melio melio.com | 2% | 281 | 33,100 | 492 | 36,039 | $1,429 | 60 |
Google's top ten for the two searches hold 15 sites; 5 of them are among the sites the models cited here (billed.app, mondu.ai, quickbooks.intuit.com, resolvepay.com, shopify.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 Keyno first choiceChangedResolve PayResolve Payno first choiceagainst: ClearCo, Payability
Four alternatives
Affirm for Business, Capchase Pay, Resolve Pay, TwoTwo alternatives
Mondu, SlopeOne alternative
PlayterGPT-5.4 miniRamp Flexno first choiceChangedCredit Key, Resolve PayRamp Flexagainst: Affirm for Business, Klarnano first choiceagainst: Acima, Enova / NetCredit / CashNetUSA, SMART Payment Plan, Snap Finance
Three alternatives
Balance, Slope, VartanaThree alternatives
Balance Payments, Billie, Fundbox Purchase FinancingOne alternative
FundboxGemini 3.5 FlashResolve PayResolve PayHeldResolve PayResolve Payno first choicenothing named
Four alternatives
Balance, Credit Key, Mondu, TwoFour alternatives
Balance, Bluevine, Credit Key, FundboxFour alternatives
Balance Payments, Credit Key, Mondu, SlopeSeven alternatives
Affirm for Business, Balance, Brex, Credit Key, Hokodo, Mondu, RampPerplexity SonarCredit Keyno first choiceChangedResolve Payagainst: Fundbox, TreviPayCredit Keyno first choiceagainst: Credit Key, Hokodo
Four alternatives
Capchase Pay, Mondu, Ratio Boost, Resolve PayFour alternatives
Capchase Pay, Credit Key, Mondu, TwoTwo alternatives
Affirm for Business, Resolve PayGrok 4.20Resolve Payagainst: Affirm for Business, Klarna, PayPal Pay Later, TreviPayno first choiceChangedCredit Key, Resolve PayCredit Keyagainst: Billie, TreviPay, Twono first choiceagainst: Affirm for Business, Behalf, BizPay, Comfi.app, Klarna
Three alternatives
Billie, Credit Key, MelioThree alternatives
Bluevine, Fundbox, Resolve PayThree alternatives
Billie, Parafin, TreviPayTwo alternatives
Fundbox, Resolve PayMistral SmallCredit Key, Resolve Payno first choiceChangedResolve Pay, TwoCredit Key, Twono first choiceagainst: Affirm for Business, Hokodo, Klarna
Two alternatives
Capchase Pay, TwoFour alternatives
Bluevine, Fundbox, Kabbage, PurchaseOrderFinancing.comFive alternatives
Capchase Pay, Credit Key, Faire, Quill, UlineTwo alternatives
Mondu, Resolve PayDeepSeek V4 FlashResolve PayResolve PayHeldagainst: Bluevine, FundboxResolve Payagainst: FundboxAffirm for Business, Balanceagainst: Fundboxno first choiceagainst: Twoagainst: BILL, Billie, Capchase Pay, Industrybuying, Klarna, Resolve Pay, Two
Two alternatives
Billie, Credit KeyOne alternative
BackdPaymentsFour alternatives
Billie, Kriya, Mondu, TreviPayTwo alternatives
Billie, Resolve PayLlama 4 MaverickCredit KeyBackd Business Finance, Resolve PayChangedno first choiceno first choiceno first choicenothing named
Three alternatives
Capchase Pay, Resolve Pay, TwoFour alternatives
Capchase Pay, Credit Key, Resolve Pay, TwoQwen 3.7 FlashResolve PayTerminusChangedTreviPayagainst: PayPalAffirm for Business, Credit Keyno first choiceagainst: Afterpay, Klarna, Wayflyer
Five alternatives
Billtrust, Fundbox, Klarna, PayPal, TreviPayTwo alternatives
Amazon Supplier Finance, TaulaThree alternatives
Affirm for Business, Aria, Order.coThree alternatives
Capchase Pay, Two, iwo**kaPayKimi K2Credit KeyCredit Key, Resolve PayChangedagainst: FundboxCredit Keyagainst: MelioBackdPay, PayPal Pay Lateragainst: Hokodo, Resolve Payno first choiceagainst: Behalf, Bluevine, Fundbox, Fundry, RAM Capital Funding, Yellowstone Capital
Two alternatives
Fundbox, Resolve PayOne alternative
BalanceThree alternatives
Capchase Pay, Ratio Boost, Resolve PayOne alternative
Affirm for BusinessGLM 4.7 FlashXResolve Payno first choiceChangedCapchase PayCredit Key, Meliono first choiceagainst: Billtrust, Credit Key
Three alternatives
Capchase Pay, Credit Key, TreviPayThree alternatives
Billd, Credit Key, Resolve PayThree alternatives
Affirm for Business, C2FO, Resolve PayMiniMax M2.5Billieno first choiceChangedTwoCredit Keyagainst: Klarnano first choiceagainst: Affirm for Business, Behalf, Billie, BizPay, Comfi, Klarna, Sprintque
Two alternatives
Balance, Resolve PayThree alternatives
Credit Key, Order.co, Resolve PayThree alternatives
Billie, Kriya, Resolve PayGPT-6 LunaResolve PayResolve PayHeldCredit Keyagainst: TreviPayAmazon Business Credit Accountno first choiceagainst: Affirm for Business, Balance, Resolve Pay
Two alternatives
Capchase Pay, Credit KeyTwo alternatives
BlueTape, Credit KeyTwo alternatives
Balance, Resolve PayOne alternative
BackdPaymentsMuse Glimmer 30BCredit Keyno first choiceChangedno first choiceagainst: HokodoCredit Keyagainst: Resolve Payno first choiceagainst: Hokodoagainst: Bluevine Inc., Fundbox, Inc., Slope
Four alternatives
Billie, Capchase Pay, Resolve Pay, TwoSix alternatives
Billie, Capchase Pay, Credit Key, Mondu, Resolve Pay, TwoTwo alternatives
Billie, MonduBold 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.
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 | 2026-11-01 12:57 | yes | 10 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:04 | yes | 2 | 7 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:12 | yes | 14 | 25 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 12:51 | yes | 10 | 3 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:21 | yes | 15 | 34 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:56 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:26 | yes | 23 | 30 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:02 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:30 | yes | 5 | 35 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:32 | yes | 18 | 31 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:34 | yes | 21 | 55 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:24 | yes | 10 | 33 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:43 | yes | 3 | 10 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:14 | yes | 11 | 21 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:22 | yes | 15 | 9 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:22 | no | 0 | 3 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:41 | yes | 9 | 20 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 09:52 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:21 | yes | 5 | 28 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:02 | no | 0 | 8 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:31 | yes | 24 | 26 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:54 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:29 | no | 0 | 27 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:21 | yes | 14 | 24 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:36 | yes | 13 | 19 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:38 | no | 0 | 18 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:48 | yes | 3 | 14 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:57 | yes | 14 | 23 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:51 | yes | 15 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:20 | yes | 4 | 9 s |
| Comparative | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:58 | yes | 11 | 23 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 10:04 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:15 | yes | 9 | 35 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:17 | yes | 14 | 11 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:40 | yes | 25 | 33 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:38 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:08 | yes | 10 | 57 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:09 | yes | 23 | 35 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:52 | yes | 24 | 136 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:44 | yes | 23 | 67 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:20 | yes | 6 | 24 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:21 | yes | 13 | 29 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:54 | yes | 19 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 13:00 | yes | 3 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:37 | yes | 5 | 19 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 11:04 | yes | 10 | 4 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:19 | yes | 24 | 34 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:33 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:34 | yes | 25 | 33 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:17 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:12 | yes | 9 | 42 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:34 | yes | 14 | 43 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:33 | yes | 22 | 177 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:49 | yes | 14 | 32 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:46 | yes | 2 | 9 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:44 | yes | 22 | 28 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:30 | no | 0 | 7 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:49 | no | 0 | 6 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:53 | no | 0 | 16 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 12:02 | yes | 10 | 8 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:14 | yes | 5 | 35 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:51 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:55 | yes | 23 | 34 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:39 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:57 | yes | 5 | 23 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:11 | yes | 11 | 22 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:45 | yes | 15 | 57 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:02 | no | 0 | 17 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:01 | yes | 2 | 15 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:12 | yes | 14 | 21 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:25 | yes | 36 | 13 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:52 | yes | 5 | 5 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:09 | yes | 4 | 18 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 10:09 | yes | 10 | 5 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:23 | yes | 24 | 35 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:42 | yes | 10 | 7 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:58 | yes | 25 | 36 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:55 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:45 | yes | 24 | 77 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:24 | yes | 23 | 31 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:06 | yes | 25 | 29 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:49 | yes | 24 | 55 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:52 | yes | 4 | 19 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:12 | yes | 24 | 29 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
Affirm read as Affirm for Business
Affirm (Business) read as Affirm for Business
Affirm (Merchant Services) read as Affirm for Business
Bill.com (BILL) read as BILL
Capchase read as Capchase Pay
PayPal B2B Pay Later read as PayPal Pay Later
Ratio read as Ratio Boost
Resolve read as Resolve Pay
Resolve (Resolve Pay) read as Resolve Pay
Resolve (formerly Resolve Pay) read as Resolve Pay
Unresolved, counted raw
Acima
Amazon
Amazon Business Credit Account
Amazon Supplier Finance
Ankorite
Backd Business Finance
Bashen
BlueTape
Bluevine Inc.
Comfi.app
Enova / NetCredit / CashNetUSA
Fundbox Purchase Financing
Fundbox, Inc.
Fundry
Klarna B2B segment
Office Garner
OnDeck
PurchaseOrderFinancing.com
RAM Capital Funding
SMART Payment Plan
SPS Invoice Financing
Settle
Sprintque
Staples Business Advantage
Tabit
Taula (formerly HighRadius)
Terminus
Wayflyer
Yellowstone Capital
iwo**kaPay
Discontinued, still offered
No shut-down product was recommended here.