Embedded Lending: How SMBs Leverage Advanced Payment Tech for Growth

How Embedded Lending Can Boost Growth and Stability for Small Businesses

Here’s a cold fact: Less than half of microbusinesses and small businesses are highly satisfied with the availability of their existing credit options. Enter embedded lending. Firms borrow more when offered embedded lending, and 69% of embedded lending users would switch to providers offering it. PYMNTS Intelligence’s latest 46-page report, “How Embedded Lending Can Boost Growth and Stability for Small Businesses,” commissioned by Visa, features 11 charts worth of data covering trends in six major economies.

Inside the July Study
  • 56%: Share of microbusinesses that are not highly satisfied with their available credit options
  • 65%: Share of microbusinesses and small businesses that experienced cash flow gaps in the last year
  • 45%: Share of microbusinesses and small businesses that would provide their financial data in real time for quick approval of embedded lending options

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