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Football, food, drinks, and networking, what better way to spend a Monday night? On Monday, September 29th , Funder Intel is hosting a tailgate party in the ORANGE LOT at Hard Rock Stadium  before the Miami Dolphins take on the New York Jets  on Monday Night Football. This is your chance to connect with brokers, funders, lenders, fintech providers, and industry partners in a fun, relaxed environment before heading into the game. What to Expect at the Tailgate 🍔 Free food and drinks  provided by Funder Intel 🍻 A lively tailgate atmosphere with industry peers 🤝 A chance to network outside the office and strengthen relationships Whether you’re there to close deals, cheer on the Dolphins of J-E-T-S, or just enjoy a great night out, this tailgate is the perfect place to kick off the evening. Game Tickets Funder Intel has a limited number of game tickets available for purchase directly through us , but plenty of tickets remain available on public platforms like Ticketmaster. If you’re planning to attend, we encourage you to grab your tickets early and RSVP for the tailgate so we know you’re coming. Event Details 📅 Monday, September 29, 2025 📍 Hard Rock Stadium – ORANGE LOT ⏰ Tailgate begins at approx. 5pm RSVP Today The tailgate is free to attend , but we ask that you RSVP so we can plan food and drinks accordingly. 👉 Click here to RSVP for the Tailgate

The embedded lending market continues its steady expansion as Fundbox , the embedded capital infrastructure provider, announces its integration with EverCommerce  (NASDAQ: EVCM) platforms. The partnership brings capital access directly into the SaaS tools used by over 350,000 small businesses across multiple countries, adding another data point to the growing embedded finance trend. Vertical-Focused Embedded Lending Grows This collaboration targets service-based SMBs through EverCommerce 's EverPro business unit, specifically integrating Fundbox 's lending capabilities into the Joist and Invoice Simple platforms. These tools serve contractors and home service professionals across the US, UK, Canada, and Australia with invoicing, payments, and project management solutions. The partnership represents the continued maturation of vertical-specific embedded lending, where financial services providers are increasingly focusing on particular industry segments rather than broad horizontal approaches. Service-based businesses present unique cash flow challenges—upfront material costs, payroll management between jobs, and payment delays—that make them natural candidates for integrated capital solutions. Fundbox  CEO Prashant Fuloria emphasized their position in the market: "As the pioneer in embedded capital for SMBs, Fundbox  has built in-product workflows that enable convenient access to capital." While Fundbox  was indeed early to the embedded capital space since 2013, the market has since attracted numerous competitors offering similar integrated funding solutions. Standard Embedded Lending Features The integration follows familiar embedded lending patterns: seamless access to capital within existing business management tools, mobile and desktop compatibility, and data-driven underwriting using information already flowing through the platform. Fundbox 's system evaluates businesses using invoice data and bank account transactions—an approach that's become standard practice among embedded lending providers. Josh McCarter, CEO of EverPro, highlighted the practical benefits: "Cash flow optimization is a priority for our customers. They're not just running businesses—they're on job sites, coordinating crews, and managing clients." This focus on workflow integration reflects how embedded lending has evolved from standalone applications to truly embedded experiences. Market Momentum in B2B SaaS The Fundbox  and EverCommerce  partnership underscores the continued momentum in B2B SaaS-integrated lending. As vertical SaaS platforms mature and seek additional revenue streams, embedded financial services have become an increasingly common expansion strategy. EverCommerce 's platform, serving over 725,000 global service-based businesses, provides Fundbox  with substantial distribution potential. This trend has been accelerating across various industry verticals. Construction, healthcare, professional services, and other sectors are seeing their specialized software platforms add integrated lending capabilities. The approach makes sense: these platforms already capture the financial data needed for underwriting while providing natural integration points for capital deployment. Expanding Geographic Footprint The partnership extends Fundbox 's reach internationally through EverCommerce 's presence in the UK, Canada, and Australia. This geographic expansion reflects the broader globalization of embedded lending services, as successful models developed in one market are adapted for others. Fundbox 's track record—helping over 150,000 small businesses access more than $6 billion in capital—provides a foundation for this expansion, though they enter markets where local and international competitors are already establishing embedded lending presences. Industry-Specific Focus Gains Traction The service industry focus of this partnership highlights a growing trend toward industry-specific embedded lending solutions. Rather than generic small business funding, providers are increasingly tailoring their offerings to specific sectors with unique cash flow patterns and business models. Contractors and home service professionals represent an attractive segment for embedded lenders due to their predictable revenue patterns through recurring customers, project-based cash flows, and integration with invoicing systems. These characteristics make underwriting more straightforward while providing clear use cases for deployed capital. Adding to Market Options For service-based SMBs using Joist and Invoice Simple, the Fundbox  integration represents another financing option in their existing workflow. While it provides convenience and potentially faster access to capital, it joins an increasingly competitive landscape of embedded and traditional lending options targeting similar businesses. The partnership demonstrates the continued viability of embedded lending business models, particularly when focused on specific industry verticals. As B2B SaaS platforms seek to expand beyond their core offerings, financial services integration has proven to be a sustainable path for growth. Market Evolution Continues The Fundbox  and EverCommerce  partnership reflects the embedded lending market's ongoing evolution from novelty to standard feature set. As more vertical SaaS platforms integrate capital solutions, the focus shifts from simply offering embedded lending to optimizing user experience, competitive terms, and specialized industry knowledge. This development reinforces the embedded finance trend's staying power while highlighting the opportunities for continued market expansion as more B2B platforms recognize the value of integrated financial services. The partnership adds another piece to the growing embedded lending ecosystem, particularly in the underserved but attractive service industry vertical.

In another major move for embedded lending, Uber Eats has officially partnered with Pipe to offer revenue-based capital directly through its restaurant management app, bringing fast, flexible funding to restaurants at the point of need. In a world where small businesses continue to face hurdles accessing traditional loans, partnerships like this are reshaping what lending looks like, seamlessly built into the platforms businesses already use every day. Key Highlights Pipe’s embedded financing tools are now available inside the Uber Eats Manager app , which is used by thousands of restaurants to run their day-to-day operations. Pre-approved offers  will appear to eligible restaurants based on revenue and performance, no credit checks, no FICO scores, and no personal guarantees required. Pipe uses AI to analyze 6 months of anonymized credit card transaction history  from Uber to determine funding eligibility and amounts. Once a restaurant opts in and shares its data, capital can be delivered in as little as 24 hours . 98% approval rate  for applicants, according to Pipe CEO Luke Voiles. Flexible repayment terms that align with revenue flow, not fixed-term loans , making it easier for restaurants to pay back funds during slow periods. Uber previously offered small business grants in partnership with Visa in 2022, but this marks a shift from one-time aid to scalable, embedded capital solutions . The Rise of Embedded Lending What we’re seeing here is the continued mainstreaming of embedded lending , a trend where financial services are built into the very tools small businesses already rely on. Uber Eats is not a fintech company, but by embedding Pipe’s capital access into its platform, it becomes a lender in the eyes of its restaurant partners. It’s frictionless, it's contextual, and it’s likely to be highly effective. This model isn't unique. We've already seen: Wix Capital : Offering working capital directly to eCommerce users. Squarespace Capital : Recently launched their own capital offering following earlier partnerships with Novo. Shopify Capital : A long-time embedded finance player in the space. Now Uber Eats joins the pack , not by becoming a lender itself, but by enabling lending within its ecosystem. This isn't just about new revenue streams. It’s about platform loyalty , merchant stickiness , and unlocking SMB growth  at the digital frontlines.

Funder Intel President Shane Mahabir discusses the news of Fora Financial and Celtic Bank partnering up to expand lending services. He dives into the news, what it means, how funders of sales-based financing (MCA/RBF) are proceeding in Texas, and if people are telling you they are funding sales based transactions/MCAs in Texas, you must watch this video to see why you should be wary. While you're here, if you don't want to miss other videos we produce on YouTube , visit and subscribe to our page here .

Squarespace Capital is a new financing option for entrepreneurs using Squarespace, offering fast, flexible funding with a streamlined application process and no collateral or fixed repayment schedules, the company recently announced. This move mirrors trends across the website builder landscape, as seen with Wix and GoDaddy, and builds on Squarespace’s previous partnership with Novo as a preferred vendor for loans and banking solutions. What is Squarespace Capital? Squarespace Capital enables eligible U.S. and U.K. sellers to access business funding with the structure of revenue-based/sales-based/merchant cash advances with financing offered by Celtic Bank and YouLend, respectively, powered by Stripe, and plans to expand to further geographies. Funds can be used for business growth, from expanding physical locations to investing in marketing or hiring staff, with an emphasis on easy access and simple procedures. Instant Payouts were also introduced, allowing quick access to earnings for eligible customers in several markets. Key Points Fast access  to working capital based on payment history with Squarespace, with approvals and funds typically delivered in days, not weeks. No traditional hurdles  like lengthy applications, fixed schedules, or collateral. 1 set fee, no interest or other fees. Financing is initially available in the U.S. and U.K., with other regions to follow in 2025. Partnership with Celtic Bank/YouLend for financing and Stripe powers it. Broad early adoption among retail, wellness, service, nonprofit, education, and consulting businesses. Industry Trend and Comparisons Squarespace’s fintech push follows industry patterns: Wix also began offering working capital to its users, aligning with the shift toward platform-driven financial services for small businesses. Squarespace previously listed Novo as a preferred vendor in Dec 2023 , giving users access to Novo’s working capital loans and banking tools directly on the platform, a strategic move to integrate financial services that are essential for business growth. GoDaddy has also expanded financial services , reflecting a wider trend of website builders partnering with banks and fintechs to form comprehensive business ecosystems. Why This Was Inevitable This evolution was bound to happen as website builders, including those powered by AI, continually compete to offer “one-stop-shop” solutions for small business owners. The next logical step for platforms with an active merchant base is to leverage user data, from payments and store activity, to offer uniquely tailored financing. As new AI-driven site builders gain traction, expect every major platform to integrate working capital, instant payout, and tailored business banking features as baseline offerings for business customers. Even if they don't build their own capital platform, there are plenty of embedded capital companies that make it fairly simple to implement. These advancements represent a shift in how small businesses access capital: not from banks or slow-moving institutions, but directly within the platforms they use to run and grow their businesses daily.

In today’s lending environment, small business owners expect speed, transparency, and a digital experience that feels like working with a top fintech. Unfortunately, most loan brokers and lead generators still rely on outdated PDFs, email attachments, and manual processes. That gap creates an opportunity. If you’re a broker or lead generator, imagine offering your clients: A branded client portal  where they can submit applications, upload documents, and track progress. An interactive funding options assessment  that engages prospects and pre-qualifies them before you even pick up the phone. A deal tracker or calculator  that makes you look more like a tech-enabled lender than a one-person brokerage. 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 create their own apps and portals in days, without writing a single line of code . Why Digital Tools Matter for Brokers and Lead Generators Your clients are used to Amazon-style experiences, mobile banking apps, and fintech lenders that provide instant access to information. Competing against that with spreadsheets and email chains makes it harder to win deals and harder to keep clients engaged. Here are three reasons why investing in custom digital tools pays off for brokers: Professionalism & Credibility  A custom portal or tool sets you apart from competitors. Instead of looking like a middleman, you look like a modern financial partner. Efficiency  No more chasing documents across 20 email threads. A portal centralizes everything in one place, saving you hours each week. Lead Capture & Nurturing  Interactive tools like funding assessments or calculators don’t just provide value — they also capture leads automatically and help pre-qualify prospects. In other words: the right tool doesn’t just improve operations, it becomes a sales funnel . What Brokers Can Build with Base44 Base44  is a no-code app builder that uses AI to accelerate development. Instead of hiring a developer, you describe what you want, drag and drop components, and launch a working app that’s branded to your business. Here are some real-world examples of what brokers and lead generators can build with Base44: 1. Funding Assessment Tools Want to attract more leads? Build an interactive quiz where business owners answer a few questions and receive funding recommendations. Example: “Fund-Check”  — an app built in Base44 that helps users explore different financing options and get personalized recommendations. Brokers can adapt this to capture emails before showing results, turning it into a powerful lead generation funnel. 2. Client Portals A secure login space where clients can: Submit funding applications. Upload bank statements or tax returns. Track the status of their deal (“Received → In Review → Offer Sent”). 3. Deal Trackers & Dashboards Give clients a real-time view of where they stand. Instead of asking “what’s the status?” they can log in anytime to check. 4. Custom CRMs or Intake Systems Need a lightweight CRM for your brokerage? Base44 can create one — without paying $100/month per user. 5. Client-Facing Calculators From revenue-based financing estimators to loan affordability calculators, you can create branded calculators that capture leads and establish authority. Case Example: Fund-Check To prove how accessible Base44 is, I built a tool called Fund-Check . It allows users to explore major business financing options (term loans, SBA loans, equipment financing, credit lines, MCAs). It walks them through a short assessment to recommend the best fit. It feels like a fintech product — but it was built in Base44 with no code . The entire build took less than a weekend. That means you could launch your own broker-branded tool  just as quickly. How This Benefits Brokers and Lead Generators If you’re a broker or lead gen company, here’s what building with Base44 can unlock for you: Differentiate Your Brand : You’re not just another broker — you’re offering technology that adds value. Generate More Leads : Funding assessments, calculators, and portals attract attention and capture data. Close Deals Faster : Portals reduce friction and keep clients engaged throughout the funding process. Look Like a Fintech : You instantly level up your professional image, making it easier to win trust. And the best part? You can do it without hiring developers or investing tens of thousands of dollars . Why Base44 Is Perfect for Brokers No Coding Required  → If you can drag, drop, and type, you can build an app. Fast to Launch  → Build a working prototype in hours, not months. Custom Branding  → White-label the tool with your logo, colors, and domain. Affordable Plans  → Pricing starts at just $20/month, making it accessible to solo brokers and small firms. Plus, every tool you build becomes a reusable asset you can improve over time. How to Get Started Pick One Use Case Don’t try to build everything at once. Start with a funding assessment quiz, a calculator, or a simple client portal. Use Base44’s AI Builder Describe what you want, let the AI set up the foundation, then tweak it with drag-and-drop editing. Launch & Test Share the tool with a few clients or prospects. Watch how they use it and collect feedback. Iterate & Expand  Add features, improve the user experience, and eventually roll out multiple tools. Final Thoughts The future of brokerage and lead generation is digital-first . Clients don’t just want access to capital — they want a smooth, modern experience. By building your own portals and apps, you elevate your business from “traditional broker” to “tech-enabled partner.” With Base44 , you can build these tools yourself in days — at a fraction of the cost of custom development. If you’re ready to give your brokerage the fintech edge, start here:  👉   Try Base44 today

A chat with Boris Mendes, CEO of B2 Systems, about all things business lending and fintech, as he recently launched the B2 software platform for business loan brokers. With more than 10 years in alternative business funding, Boris shares valuable insights with new entrants and veterans alike. Feel free to leave a comment for Boris or contact him at the following info: Boris Mendes B2 Systems

At Funder Intel, we're proud to offer the first-ever MCA Underwriting course , a trailblazing training program that's already helped hundreds of professionals deepen their understanding of revenue-based financing (RBF) and merchant cash advance (MCA) risk analysis. But we’re not stopping there. Always Evolving, Always Improving Our mission is to stay ahead of the curve, continuously updating the course to reflect today’s underwriting realities, not last year’s. That’s why we’re thrilled to announce a powerful new addition to the course… 📣 Introducing Guest Instructor Sherif Hassan of SYH Strategies Sherif Hassan brings more than 15 years of experience  in the alternative business lending industry, with a specialized focus on MCA and RBF underwriting, portfolio risk management, and pricing models that funders can actually profit from. Sherif is the founder of SYH Strategies , a consulting firm trusted by top funders for designing and optimizing their entire credit and underwriting systems. What Sherif Covers in the Course Sherif teaches two brand-new modules , now included in the core course, where he breaks down: 📊 Advanced Underwriting Principles 💰 Pricing Strategies That Drive ROI 📚 The Underwriter's Role in Building a High-Quality Book of Business Whether you're a new broker, an aspiring underwriter, or someone looking to refine how you analyze deals, Sherif’s insights will change how you think about risk and how you approach each file. Already Enrolled? If you signed up for the MCA Underwriting Course within the last 8 weeks , you’ll get immediate access  to the new guest instructor modules (as long as your course access has not expired). For any questions about your access or login help, email us at 📩 info@funderintel.com Not Enrolled Yet? What Are You Waiting For? Now is the perfect time  to take the leap, as hundreds have before you. With Sherif Hassan’s guest modules now included, the MCA Underwriting Course is more powerful than ever. Enroll in the course here .

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). What’s Now in Effect Providers and brokers of CSBF (funding repaid via a percentage of sales or revenue) must now adhere to strict disclosure standards . These include: Total financing amount Disbursement amount Finance charge and total repayment amount Estimated payoff timeline and payment schedule Additional fees, collateral requirements, and broker compensation  Contracts cannot contain confession-of-judgment clauses  or similar provisions, rendering them void and unenforceable  under this law. Crucially, automatic ACH debits  from merchant accounts are now prohibited— unless  the provider holds a first-priority perfected security interest  in the account, a requirement nearly impossible to meet under current UCC norms. What’s Coming — Future Milestones Registration Mandate : Providers and brokers must register with the Texas Office of Consumer Credit Commissioner . This requirement takes effect December 31, 2026 . Rulemaking Timeline : By September 1, 2026 , the Finance Commission of Texas  must adopt enforcement rules and disclosures, while the OCCC  must establish registration forms and fees. Industry Response: What Funders Are Doing With the new law in force, funders are reacting swiftly: Banks and loan providers  that don’t rely on sales-based repayment models remain unaffected and may start positioning themselves as compliant alternatives. Fintech platforms are proactively reaching out to Texas borrowers, offering to refinance existing MCAs  into more compliant products to prevent disruption. Across the funding ecosystem, there’s a growing shift toward traditional term loans  or other models not falling under CSBF classification, ensuring continuity of capital flow for Texas businesses. Why It Matters HB 700 was brought forward supposedly to enhance transparency, curb unfair practices, and protect Texas small businesses from opaque financing deals. But it was pushed by a Texas billionaire who's connected to a factoring company, and with the American Factoring Association, their goal was to reduce competition in the state for factoring products. Additionally, it also places real constraints on how quickly and flexibly fintech funders can deploy capital—forcing industry adaptation in real time. As the law’s framework unfolds over the next 12–15 months, staying informed and compliant will be paramount for funders, brokers, and referral partners.

Everest Business Funding has officially launched a new term loan product  for small business owners in Texas, expanding its portfolio beyond revenue-based financing to meet the state’s evolving regulatory landscape. 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 . This marks a new era in business lending  as funders like Everest adapt in real time—ensuring fast, flexible capital solutions remain available despite increasing regulatory complexity. Everest’s term loan product delivers fixed payments, simple terms, and the same fast approval process business owners and brokers have come to expect. For more details or to submit a file, visit: https://everestbusinessfunding.com

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 create their own apps and tools in days, without writing a single line of code. In this video, I’ll show you how to use Base44 to get you those tools quickly! You’ll see how brokers can create: Client portals for funding applications Funding assessment tools to capture leads Deal calculators Even micro SaaS platforms that can turn into a full SaaS business And the best part? You don’t need to hire developers — you can do it yourself in hours or days using Base44, compared to weeks or months. Visit Base44 today to get signed up and start building. Affiliate disclosure: We may earn a commission when you sign up with Base44 using the link provided. This does not influence our videos, as we have tested multiple AI no-code app builders and will present only the best options.

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, and financing their businesses in a shifting economic landscape. Data Sources The findings draw from two key inputs: Survey responses  from 410 small business clients of OnDeck, typically firms with fewer than 30 employees and less than $10 million in annual revenue, collected June 17–30, 2025. Cash flow analytics  from Ocrolus, based on aggregated data from more than 2.9 million small business funding applications over a 15-month period. OnDeck and Ocrolus Q2 Report Top Ten Highlights from the Q2 2025 Report Strong Growth Optimism  – 92% of owners expect moderate to significant growth in the next year, with 26% anticipating significant expansion. Newer Businesses Lead the Way  – Companies operating five years or less are the most confident, with 98% predicting growth. Non-Bank Lenders Dominate  – 72% of respondents say they turn to fintech and other non-bank providers over traditional banks for financing. Bank Denials Extend to Older Firms  – Even established companies aren’t immune; about 40% of businesses over 10 years old reported being denied credit by traditional banks. Fintech Lending on the Rise  – Non-bank loan inflows increased 4% year over year, while bank loan inflows fell 5%, with rural borrowers seeing steeper declines. Persistent Concerns  – Inflation (32%) and cash flow (31%) remain the top challenges faced by owners. Thin Cash Buffers  – More than 73% of small businesses have only enough reserves to cover one month of operating expenses. Managing Cash Flow Creatively  – Popular strategies include tapping a line of credit (59%), delaying personal or family payments (53%), and paying only minimums on credit cards (40%). AI Adoption Expands  – Among those using AI, two-thirds leverage it for marketing tasks, while more than one-third are applying it to strategic planning and business solutions. Preparing for Tariffs  – 57% are bracing for new tariffs, though most are unsure of the exact impact. Nearly a third expect to pass on added costs directly to customers. Read the Full Report.