Embedded Credit Is a Real Option. Know What You’re Trading.
The software you already use to run your business, your point-of-sale system (Toast, Square), your accounting platform (QuickBooks), your payment processor (PayPal, Stripe), may already be offering you embedded credit, financing built directly into the software...
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....