Small businesses are the backbone of the economy, yet traditional lenders often evaluate them using personal credit scores rather than actual business performance, leaving a massive $2 trillion gap in small business finance. In this video, we dive deep into how cutting-edge technology is rewriting the rules of small business capital.

We are planning a networking event on July 30th in New York City. We will be co-hosting with Baselayer. If you are interested, drop a "yes" in the comments below!

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“He immediately said he’d take it because he trusts them,” Poddar recalled in an interview with Future Nexus. “They have known his business for several years. They obviously want to continue having his payment business, so they would never put a product in front of him that would be against his best interests.”

That conversation took place seven years ago. Since then, Parafin has grown to fund close to 50,000 businesses and has secured partnerships with Amazon, DoorDash, Gusto, TikTok Shop and Walmart. The company counts Ribbit Capital, Thrive Capital, GIC, Notable Capital, and Redpoint Ventures among its investors.

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www.heyfuturenexus.com

Parafin co-founder Sahill Poddar said it took one visit to an auto body shop to know he and co-founders Vineet Goel and Ralph Furman were on the right track with their vision for an embedded financial infrastructure company, one that addresses a $2 trillion opportunity. When Parafin was in its infancy, Poddar walked into an auto body shop and asked the owner if he had ever considered adding a second lift. The owner had, but didn’t trust the many random […]

Small businesses are the backbone of the economy, yet traditional lenders often evaluate them using personal credit scores rather than actual business performance, leaving a massive $2 trillion gap in small business finance. In this video, we dive deep into how cutting-edge technology is rewriting the rules of small business capital.

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Interactive SBA loan market dashboard tracking 7(a) and 504 program volume, average interest rates, default rates, and lending trends

SBA Current Rates

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Track current SBA loan interest rates including the WSJ Prime Rate, maximum 7(a) rates by loan size, and SBA 504 fixed rates.

Homegrown and Square are launching a new expansion capital program for multi-location businesses, giving eligible Square sellers access to financing designed specifically for growth.

The pilot program includes $24 million in committed capital and is aimed at operators with two or more locations, including restaurants, coffee shops, fitness studios, beauty and wellness brands, retailers, and other brick-and-mortar businesses. Eligible businesses may access up to $1 million, with terms up to four years, monthly payments that flex with revenue, no personal guarantees, and no balloon payments.

That structure is important because expansion capital is not the same as emergency working capital. Opening a new location, acquiring another site, or remodeling an existing location requires more patient capital. Buildout costs, staffing, equipment, rent, permits, and marketing often come before the new location reaches stable revenue.

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Homegrown and Square launch a $24M expansion capital program for multi-location sellers, showing how revenue-based financing is becoming more specialized.

June is officially here, and we are kicking it off with some massive updates to expand our playground and help you close more high-value deals.

To be direct: we aren't looking to work with every broker on every file. We are looking to align with strategic shops that manage higher-caliber clients.

As we continue to scale our deal architecture, our target focus is on merchant files showing at least $100k in monthly revenue coming in consistently across every month under review.

If that matches your pipeline, here is what is hitting the ground running today:

🌍 1. We are Live in UT, CT, and VA! We are officially open for business and accepting submissions in Utah, Connecticut, and Virginia. More reach means more opportunities to get your files funded.

💰 2. The June Expansion Promo (+1 Point) To celebrate entering these new states, we are giving back to the partners…

Hello,

We’re now entering the final stretch for sponsorships for All In For A Cause, our Charity Poker & Networking Event taking place Thursday, June 25th at The Westin Fort Lauderdale, benefiting the Second Chance Society.

This event is expected to bring together hundreds of professionals across business lending, fintech, capital markets, and related industries for an evening of networking, poker, entertainment, and philanthropy.

If your company has been considering participating, now is the time.

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Register as a sponsor for our next Live Event.

We expect sponsorship inventory to close soon as we finalize event logistics and branding placements.