SMB Lending Finally Goes Real-Time
For the first time, a small business can get credit decisioned on live cash-flow data, not on collateral.
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Data replaces paperwork
Embedded lending — checkout cash advances, invoice factoring, payroll lines — scores applicants on actual transaction streams instead of tax returns and property.
The result: faster approval, fairer pricing for thin-file firms, and a wave of credit risk that lenders must manage with models, not mood.
Building incoffeed — a daily editorial on tech, AI, fintech and business. Co-founder & editor.
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