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As of September 1, 2025, Texas HB 700 officially reshapes the commercial funding environment in the state. This landmark legislation introduces significant regulatory requirements for merchant cash advance (MCA) and revenue-based financing—also known as commercial sales-based financing (CSBF).

With HB 700 going into effect on September 1, 2025, bringing new limitations to sales-based financing, Everest has moved swiftly to provide a compliant and transparent lending alternative. The company is already accepting files for the term loan product from both merchants and referral partners.

Small businesses across the U.S. are showing remarkable resilience in 2025. According to the latest Small Business Cash Flow Trend Report from OnDeck and Ocrolus, owners remain broadly optimistic about their growth prospects even as inflation, access to capital, and day-to-day cash flow remain top concerns. The report, which combines survey insights with cash flow data from millions of applications, provides a revealing snapshot of how entrepreneurs are adapting, innovating,

This partnership brings Liberis' funding capabilities to over 275,000 U.S. merchants through Elavon's merchant portal, joining the expanding roster of embedded lending options that have been proliferating across payment platforms, POS systems, and business software providers. While it's certainly a welcome addition for businesses seeking capital, it represents the continued growth of an already robust market rather than a revolutionary breakthrough.

In today’s lending environment, small business owners expect speed, transparency, and a digital experience that feels like working with a top fintech. Until recently, building tools like this meant spending thousands on developers and waiting months to launch. But with Base44, an AI-powered app builder, brokers can now...

Big news from CFG Merchant Solutions this morning about offering a new business term loan product. I delve into the news and discuss where we stand in Texas, as well as what other RBF/MCA Funders are doing or discussing at this point.

CFG Merchant Solutions is excited to announce the launch of a brand-new loan product — a significant step in our ongoing mission to unlock capital for small businesses nationwide.

While Square has long been known for simplifying payments and embedded financial tools like loans and cash advances, this new Cornerstone Grant Program initiative shifts the focus from lending to giving. And for many early-stage or underfunded businesses, a grant, not a loan, is exactly what’s needed.

This report presents a comprehensive analysis demonstrating that the current landscape of non-traditional financing, characterized by its limited scale, restrictive loan terms, and high costs, is incapable of meeting the diverse and immense capital needs of the over 33 million small businesses in the United States. The analysis reveals a critical mismatch between the short-term, high-cost products offered by non-bank lenders and the long-term, strategic capital required for s

What the Future Revenue-Based Finance Ecosystem Could Look Like Uniform deal structures and underwriting rails across participating funders. Instant access to performance history, scoring, and cashflow health for every asset in the pool. Investor dashboards showing real-time portfolio data, with the ability to buy or sell fractional positions in seconds. Tokenized remittance streams that feed into rating-ready SPV portfolios built for QIBs and institutional allocators.

The cannabis industry has long struggled with limited access to traditional financing. With federal restrictions still in place, many businesses are left to navigate an uneven playing field when it comes to working capital. This week, FundCanna announced a first-of-its-kind solution: an automated business-to-business (B2B) Buy Now, Pay Later (BNPL) platform designed specifically for cannabis companies.

Last Thursday’s Funder Intel Industry Mixer at CT Cantina & Taqueria was one for the books, and a sold-out success! We’re thrilled to have brought together brokers, funders, fintech providers, and industry partners for an evening of conversations, connections, and plenty of good vibes. 📸 Pictures are now live! Relive the night or spot yourself in the crowd here: Mixer Photo Gallery

The Department of Justice announced last week that three women, including former SBA Loan Officer Rena Barrett, have pleaded guilty in separate COVID-19 relief fraud schemes that have become all too familiar at this point. These cases, prosecuted in the Northern District of Georgia, demonstrate both the scale of pandemic-era fraud and the government’s ongoing push to hold offenders accountable.

But banking groups say not so fast. They argue that: Data security costs real money. Maintaining safe, secure, and compliant systems for data-sharing is expensive, and expecting banks to provide this infrastructure for free puts an unfair burden on them. “Free rides” could undermine trust. If fintechs can simply plug in without oversight or cost-sharing, banks fear it could open the door to cybersecurity risks and misuse of sensitive consumer data.

“Open Banking helps to make the eBay Seller Capital application process easier, faster and more holistic for small businesses, so we can help more eBay sellers start and grow their businesses,”

Tonight, the Funder Intel Industry Mixer takes over CT Cantina & Taqueria, and the room is going to be buzzing. We’ve got brokers, funders, lenders, fintech pros, and service providers all under one roof starting at 6:30 PM. The energy is set, the cocktails are ready, and the opportunities are real.

Are you aware of what SMBs are saying about their confidence for survival within 2 years, what credit cards they use, and which ones they use first?

Reis, aged 47 and residing in Puerto Rico after relocating from Arizona, admitted to conspiring to commit wire fraud, orchestrating fake Paycheck Protection Program (PPP) loan applications through Blueacorn.

In one of the more notable COVID-relief fraud cases to hit the lending industry, a California business loan broker has been sentenced to nearly four years in prison for orchestrating a scheme to defraud the Small Business Administration’s Economic Injury Disaster Loan (EIDL) program.

Block’s latest quarter was a reminder that embedded lending is no side hustle anymore. While top‑line headlines fixated on guidance and mixed revenue trends, two things stood out for our world: Square Loans kept scaling originations, and Bitcoin revenue cooled from last year’s pace. Meanwhile, Shopify Capital posted a sizable quarter of its own, a competitive signal for platform‑native business funding.

Since its founding in 2018, Cloudsquare has operated as both a Salesforce implementation partner and software platform provider. But over time, it became clear that the biggest impact came from one thing: delivering the end-to-end platform that lenders actually needed.

“We continue to see strong demand from both consumers and businesses seeking bankruptcy protection... Overall volumes are steadily climbing back toward pre-pandemic levels,” said Michael Hunter, VP at Epiq AACER.

GoDaddy’s Q2 2025 Earnings; Louisiana Mandates New Disclosures for Revenue-Based Financing; Shopify’s Q2 2025; Bankruptcy Court Ruling Redefines Merchant Cash Advances; BlackRock’s $1 Billion Bet on LendingClub’s Marketplace; Lenders Remain Bullish on Manufacturing & Construction Equipment

One of the largest website builder platforms, which has many apps and plugins, has launched Wix Checking and Wix Capital for its clients. This is long overdue, as I wrote about the lack of financing offered by Wix and GoDaddy a couple of years ago. I discuss this in the video and another recent story of embedded lending, explaining how it affects the market and what you should be doing in this evolving market.