Embedded Small Business Lending Is Rewriting Who Originates the Relationship
Your member already got the loan, just not from you. Increasingly, that’s because the credit relationship already happened elsewhere: inside the point-of-sale system, accounting software, or payment processor the member uses every day. This is embedded small...
Why Small Businesses Choose A Lender: What The Data Shows
An existing relationship is the single biggest reason small businesses choose a lender, cited by 48% of applicants in Federal Reserve survey data weighted across banks, credit unions, online lenders, finance companies, and CDFIs. Speed of decision and the odds of...
Capital Readiness Is a Strategic Question
Opportunity rarely gives advance notice. Most business owners spend real time planning for growth. Far fewer prepare for the opportunities they cannot predict. A major contract. A new location. An acquisition. A partnership that changes the trajectory of the business....
Halfway Through the Year: Are You More Bankable Than You Were in January?
At the start of 2026, most small business owners set their sights on growth. More revenue. New customers. Expanded capacity. If you identified the priorities that mattered most heading into this year, you had a clear sense of where you wanted to go. Six months later,...