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...
Tariff refunds are landing. Here is what the data shows three months in.
This past April, tariff refunds became available to over 300,000 small business importers, opened by U.S. Customs and covering a $166 billion pool of IEEPA payments. Bank of America’s latest Small Business Checkpoint now gives us a first look at how the process...
The SBA Raised the Ceiling. Is Your Business Ready to Walk Through the Door?
The Rule Change The U.S. Small Business Administration (SBA) recently announced that, effective July 4, 2026, eligible borrowers can combine 7(a) and 504 loans to access up to $10 million in SBA-backed financing. That doubles the prior $5 million cumulative cap and,...
Why Small Businesses Have Stopped Investing
Capital investment is one of the clearest signals of business confidence. When owners are willing to spend on equipment, vehicles, facilities, and technology, it means they believe the future justifies the outlay. When they stop, it means something else entirely....