B2B BNPL and net terms for enterprise buyers
Asked as “B2B buy now pay later provider”, and as “net terms financing for B2B sales”, on behalf of an enterprise B2B company. 38 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
47%
Clear leader
47TreviPay21Two13Resolve Pay18others
47% of first choices, clear leader.
Since October 2026▲+6Since October 2026: 41% → 47%, +6 points. Inside the 10-point floor: within noise.TreviPay held the lead, +6 points on 41%, 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.Standing →Mid-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.This page
Resolve Pay34%Contested▲+1Since October 2026: 33% → 34%, +1 point. Inside the 10-point floor: within noise.Standing →Mid-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.This pageThe standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01TreviPay47%0%41endorsed leader▲+6Since October 2026: 41% → 47%, +6 points. Inside the 10-point floor: within noise.41% → 47%
TreviPay47%0%41endorsed leader▲+6Since October 2026: 41% → 47%, +6 points. Inside the 10-point floor: within noise.41% → 47%02
Two21%3%35accepted challenger▲+21Since October 2026: 0% → 21%, +21 points. Past the 10-point floor: movement.0% → 21%
Two21%3%35accepted challenger▲+21Since October 2026: 0% → 21%, +21 points. Past the 10-point floor: movement.0% → 21%03Resolve Pay13%7%44accepted challenger▼−15Since October 2026: 28% → 13%, −15 points. Past the 10-point floor: movement.28% → 13%
Resolve Pay13%7%44accepted challenger▼−15Since October 2026: 28% → 13%, −15 points. Past the 10-point floor: movement.28% → 13%04
Balance3%9%23accepted challenger▲+3Since October 2026: 0% → 3%, +3 points. Inside the 10-point floor: within noise.0% → 3%
Balance3%9%23accepted challenger▲+3Since October 2026: 0% → 3%, +3 points. Inside the 10-point floor: within noise.0% → 3%05
Billie3%12%25accepted challenger▲+3Since October 2026: 0% → 3%, +3 points. Inside the 10-point floor: within noise.0% → 3%
Billie3%12%25accepted challenger▲+3Since October 2026: 0% → 3%, +3 points. Inside the 10-point floor: within noise.0% → 3%Show the seven products at 0%, ordered by negative rate
12
Hokodo0%82%17criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Hokodo0%82%17criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%11
Fundbox0%38%13criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Fundbox0%38%13criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%09
Slope0%18%11accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Slope0%18%11accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%10
Kriya0%17%12accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Kriya0%17%12accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%07
Credit Key0%14%22accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Credit Key0%14%22accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%08
Capchase Pay0%12%16accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Capchase Pay0%12%16accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%06
Mondu0%11%27accepted challenger▼−3Since October 2026: 3% → 0%, −3 points. Inside the 10-point floor: within noise.3% → 0%
Mondu0%11%27accepted challenger▼−3Since October 2026: 3% → 0%, −3 points. Inside the 10-point floor: within noise.3% → 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.
For buyers
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not enterprise.
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 →
010203040506070809101112Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01TreviPay47%
TreviPay47%02Two21%
Two21%03Resolve Pay13%
Resolve Pay13%04Balance3%
Balance3%05Billie3%
Billie3%06Mondu0%
Mondu0%07Credit Key0%
Credit Key0%08Capchase Pay0%
Capchase Pay0%09Slope0%
Slope0%10Kriya0%
Kriya0%11Fundbox0%
Fundbox0%12Hokodo0%
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 4.20, Mistral Small, DeepSeek V4 Flash, Qwen 3.7 Flash, GLM 4.7 FlashX, MiniMax M2.5, GPT-6 Luna 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.
Hokodo82%
14 of 17 labels negative · 11 of 14 models · 9 hard negative
“Wound up operations in late 2024/2025. Why Avoid: Formerly a major player in European trade credit, the company closed” Qwen 3.7 Flash, negative prompt
Behalf
100%
6 of 6 labels negative · 6 of 14 models · 6 hard negative
“Proven Failures (Avoid Due to Instability) ... Behalf froze credit lines abruptly before laying off staff and shutting down completely.” Qwen 3.7 Flash, negative prompt
BizPay
100%
5 of 5 labels negative · 5 of 14 models · 5 hard negative
“entered voluntary administration on November 23, 2023; its administrator said at the time that it could not issue new loans” GPT-6 Luna, negative prompt
Sprinque
100%
4 of 4 labels negative · 4 of 14 models · 4 hard negative
“Its founders said they decided to wind down the B2B BNPL business in summer 2024.” GPT-6 Luna, negative 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
78 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. 1071 links across 289 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 Pay45 answers · 122 citations · 14 models
vendor site · Two40 answers · 69 citations · 13 models
vendor site · Mondu31 answers · 39 citations · 12 models
28 answers · 28 citations · 10 models
vendor site · Credit Key25 answers · 37 citations · 12 models
vendor site · Ratiotech23 answers · 33 citations · 12 models
21 answers · 22 citations · 10 models
19 answers · 19 citations · 10 models
vendor site · TreviPay15 answers · 36 citations · 6 models
15 answers · 15 citations · 9 models
14 answers · 18 citations · 10 models
13 answers · 13 citations · 7 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.
28 answers · 10 models
26 answers · 9 models
19 answers · 10 models
19 answers · 10 models
15 answers · 9 models
14 answers · 9 models
12 answers · 6 models
11 answers · 6 models
10 answers · 7 models
10 answers · 6 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 |
|---|---|---|---|---|---|---|---|---|
| TreviPay trevipay.com | 47% | 139 | 2,400 | 60 | 40,661 | $8 | 13 | |
| Two two.inc | 21% | 89 | 135,000 | 2,034,237 | 1,827 | 0 | ||
| Resolve resolvepay.com Resolve Pay 13% | 13% | 179 | 480 | 60 | 11,436 company | $316 | 6 | 1 |
| Capital One Trade Credit capitalone.com | 5% | 5 | 22,535,395 | $64,353 | 99 | |||
| Balance getbalance.com | 3% | 59 | 135,000 | 530,217 | 1,277 | 2 | ||
| Billie billie.io | 3% | 75 | 40,500 | 386,430 | 333 | |||
| Order.co order.co | 3% | 22 | 1,600 | 7 | 64,386 | $369 | 59 | |
| Taulia, SAP | 3% | |||||||
| Playter | 3% | |||||||
| Mondu mondu.ai | 0% | 77 | 880 | 8 | 1,295 | 9 |
Google's top ten for the two searches hold 15 sites; 3 of them are among the sites the models cited here (billed.app, 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 an enterprise B2B company?”Paraphrase“Which net terms financing for B2B sales would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade B2B BNPL and net terms providers and how do they differ?”Budget-constrained“What is the best B2B buy now pay later provider for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating a B2B buy now pay later provider. What should we look at?”Negative“Which B2B BNPL and net terms providers should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5TreviPayno first choiceChangedMonduResolve Payno first choiceagainst: Hokodoagainst: Apple Pay Later, Hokodo, Laybuy
Three alternatives
Balance, OpenWay Way4, Resolve PayThree alternatives
Resolve Pay, TreviPay, TwoTwo alternatives
Ratio Boost, TreviPayGPT-5.4 miniCapital One Trade Creditagainst: Balance, Ramp Flex, Slope, Vartanano first choiceChangedBILLBalanceno first choicenothing named
One alternative
BILLTwo alternatives
Bluevine, Capital on TapOne alternative
Credit KeyGemini 3.5 FlashTreviPayagainst: HokodoTreviPayHeldTreviPayOrder.co, TreviPayno first choiceagainst: Credit Key
Six alternatives
Balance, Mondu, Ratio Boost, Resolve Pay, Slope, TwoFive alternatives
Billie, HighRadius, PrimeRevenue, Slope, TauliaFive alternatives
Balance, Mondu, Resolve Pay, Slope, TwoTwo alternatives
Balance, SlopePerplexity SonarTwoResolve PayChangedTreviPayagainst: Coupa PayTwono first choiceagainst: Balance, Billie, Resolve Pay, Slope, Two
Six alternatives
Capchase Pay, Credit Key, Mondu, Ratio Boost, Resolve Pay, TreviPayOne alternative
BackdPaymentsSix alternatives
Billie, Capchase Pay, Kriya, Mondu, Resolve Pay, TwoOne alternative
Resolve PayGrok 4.20TreviPayagainst: Fundboxno first choiceChangedCredit Key, TreviPayagainst: Affirm for BusinessTreviPayagainst: Billie, Capchase Pay, Fundbox, Playterno first choiceagainst: Behalf, BizPay, Capchase Pay, Credit Key, Greensill Capital, Hokodo, Sprinque
Two alternatives
Billie, Resolve PayTwo alternatives
Credit Key, Resolve PayFour alternatives
Billie, Capchase Pay, Mondu, Resolve PayThree alternatives
Balance, Resolve Pay, TwoMistral SmallTwono first choiceChangedResolve Pay, Twoagainst: Terms.Tech AlternativesTwono first choiceagainst: 8fig, Affirm for Business, Hokodo, Klarna, Openpay
Six alternatives
BILL, Bluevine, C2FO, Fundbox, Taulia, TipaltiFour alternatives
Billie, Credit Key, Mondu, TreviPayTwo alternatives
Balance, TreviPayDeepSeek V4 FlashTreviPay, TwoResolve PayChangedTreviPayagainst: Behalf, Fundbox, Hokodo, KriyaTreviPayagainst: Afterpay, Credit Key, Fundbox, Klarna, Plastiq, Resolve Payno first choiceagainst: Hokodoagainst: Hokodo, Kriya, Mondu, Playter, Sprinque, iwocaPay
One alternative
Resolve PayTwo alternatives
C2FO, Credit KeySix alternatives
Billd, Billie, Mondu, Resolve Pay, Slope, TwoOne alternative
TwoLlama 4 Maverickno first choiceno first choiceHeldno first choiceno first choiceno first choiceagainst: Hokodo
Qwen 3.7 FlashTreviPayno first choiceChangedTwoTwono first choiceagainst: Behalf, BizPay, Comfi, Hokodo
Three alternatives
Balance, Billie, Credit KeyThree alternatives
Billie, Payability, Resolve PayFive alternatives
Balance, Billie, Mondu, Resolve Pay, TreviPayOne alternative
TreviPayKimi K2TreviPayTreviPayHeldTreviPayagainst: Amazon Business, FundThrough, Fundbox, StripeTreviPayno first choiceagainst: Behalf, BizPay, Plastiq
Two alternatives
Resolve Pay, TwoSeven alternatives
Allianz Trade, Capital One Trade Credit, Coface TradeLiner, Credit Key, J.P. Morgan, Santander CIB, SlopeThree alternatives
Balance, Resolve Pay, TwoOne alternative
BalanceGLM 4.7 FlashXTreviPayno first choiceChangedno first choiceTwono first choiceagainst: Affirm for Business, Afterpay, Hokodo, Klarna, Stenn, Zip
Four alternatives
Capchase Pay, Mondu, Resolve Pay, TwoThirteen alternatives
Balance, Billie, Capchase Pay, Credit Key, Fundbox, Kriya, Mondu, Nickel, Playter, Resolve Pay, TreviPay, Two, iwocaPayTwo alternatives
Capchase Pay, Credit KeyMiniMax M2.5Billie, Resolve Pay, Twono first choiceChangedTreviPay, Twoagainst: Coupa PayPlayteragainst: Monduno first choiceagainst: Behalf, Billie, BizPay, Hokodo, Mondu, Resolve Pay, Sprinque
One alternative
Credit KeyFive alternatives
Balance, Billie, Mondu, Resolve Pay, SlopeTwo alternatives
Resolve Pay, TwoGPT-6 LunaTreviPayCapital One Trade Credit, TreviPayChangedCapital One Trade Credit, TreviPayagainst: HokodoTreviPayagainst: BILL Spend & Expenseno first choiceagainst: Behalf, BizPay, Sprinque
Two alternatives
Credit Key, Resolve PaySeven alternatives
Balance, Billie, Capchase Pay, Credit Key, Mondu, Resolve Pay, TwoOne alternative
Amazon's Business Credit AccountMuse Glimmer 30BTaulia, SAP, TreviPayno first choiceChangedSAP Taulia, TreviPayResolve Pay, TreviPayno first choiceagainst: Hokodonothing named
Four alternatives
Billie, C2FO, Mondu, Resolve PaySix alternatives
Balance, C2FO, Capchase Pay, Fundbox, Resolve Pay, TwoTwo alternatives
Mondu, TwoBold 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 10:48 | yes | 10 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:02 | yes | 3 | 5 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 09:51 | yes | 12 | 22 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 11:40 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:05 | yes | 13 | 35 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:48 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:45 | yes | 23 | 28 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:25 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:32 | yes | 5 | 27 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:57 | yes | 17 | 52 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:13 | yes | 25 | 58 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:05 | yes | 5 | 24 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:29 | yes | 4 | 16 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:35 | yes | 13 | 22 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:47 | yes | 16 | 11 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:09 | yes | 2 | 7 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 09:38 | yes | 10 | 23 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 11:08 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:10 | yes | 5 | 35 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:28 | no | 0 | 9 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:51 | yes | 23 | 45 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:28 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:16 | yes | 15 | 76 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:17 | yes | 15 | 42 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:00 | yes | 24 | 79 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:12 | no | 0 | 78 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:16 | yes | 2 | 15 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:55 | yes | 13 | 27 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:38 | yes | 10 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:16 | yes | 6 | 8 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 12:51 | yes | 11 | 28 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 09:13 | yes | 10 | 8 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:17 | yes | 13 | 35 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:13 | yes | 10 | 10 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:39 | yes | 24 | 45 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:28 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:40 | yes | 5 | 24 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:05 | yes | 24 | 33 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:33 | yes | 16 | 125 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:00 | yes | 16 | 66 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:01 | yes | 10 | 34 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:24 | yes | 22 | 46 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:59 | yes | 19 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:38 | yes | 3 | 4 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 10:33 | yes | 7 | 21 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 12:44 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:05 | yes | 20 | 33 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:51 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:52 | yes | 23 | 23 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:31 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:22 | yes | 5 | 26 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:22 | yes | 22 | 23 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:37 | yes | 25 | 21 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:24 | yes | 22 | 72 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:39 | yes | 3 | 18 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:17 | yes | 23 | 36 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:13 | yes | 27 | 16 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:48 | 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 10:37 | no | 0 | 18 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 10:55 | yes | 10 | 9 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:17 | yes | 15 | 50 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:33 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:13 | yes | 22 | 41 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:14 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:45 | yes | 10 | 47 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:36 | yes | 20 | 39 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:53 | yes | 24 | 97 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:54 | yes | 10 | 22 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:05 | yes | 4 | 25 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:27 | yes | 23 | 41 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:58 | yes | 37 | 16 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:47 | yes | 5 | 8 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 10:51 | no | 0 | 17 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 10:28 | yes | 10 | 6 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:21 | yes | 22 | 40 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:38 | yes | 14 | 8 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:53 | yes | 22 | 31 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:39 | yes | 5 | 4 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:11 | yes | 24 | 54 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:53 | yes | 23 | 56 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:08 | yes | 23 | 94 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:53 | yes | 24 | 62 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:40 | yes | 4 | 33 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:24 | yes | 24 | 27 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
Affirm read as Affirm for Business
Bill.com read as BILL
Capchase read as Capchase Pay
Ratio read as Ratio Boost
Resolve read as Resolve Pay
Resolve (Resolve Pay) read as Resolve Pay
Resolve (now Affirm-backed) read as Resolve Pay
Unresolved, counted raw
8fig
Amazon's Business Credit Account
Apple Pay Later
Capital on Tap
Coface TradeLiner
OpenWay Way4
Pipe
Santander CIB
Stenn
Taulia, SAP
Terms.Tech Alternatives
Treyd
Discontinued, still offered
No shut-down product was recommended here.