
Now, digital B2B lenders can use fast data to scour thousands of individual data points — to instantly create a dynamic credit limit for companies that work on a particular supplier portal but only have a small percentage of receivables running through it. By having an off-platform model, this company can fund as many invoices as they want until they reach their credit limit. Virtually every supplier can be funded — only those in bankruptcy or on government watch lists are ineligible. This new form of B2B lending marries two core competencies.
Time to Clarify the Confusion around Alternative Business Finance
We have all seen the lists – the 50 hottest fintech companies, the Best Payables Supplier Financing Solution Platform, the 25 fintech vendors set for […]
The Confusion Around Fintech Lists

I see this mega basket called Fintech and it’s the word of the year besides disruption (but both are generally used in the same sentence). […]
Merchant Cash Advances evolve to Online Lending Platforms – Part I

We are seeing financial innovations over the last few years that we have not seen ever. Period. Small business lending has seen the brunt of […]
Can Marketplace Lending Go the Distance? An Insider’s View Part II
The first installment of our discussion with Susan Joseph covered why 2014 was the year for Peer to Peer or Marketplace lending. Today we look […]
Can Marketplace Lending Go the Distance? An Insider’s View Part I

Susan Joseph is a former General Counsel of a start-up peer lending financial services/tech disrupter. She served as General Counsel at a trade receivables insurer […]
Why Did Lending Club Go To Market so Fast and Other Asset Creators Struggle?
Was the Lending Club just in the right place at the right time? For sure, a whole bunch of secular trends have gone their way, […]
ReceivablesExchange the largest of the Online Invoice Auction Exchanges
The Receivables Exchange (RecX) describes itself as the leading online exchange for the sale and purchase of accounts receivable. Receivable auction platforms have received much […]
China and P2P (Peer to Peer) lending

We hear lots about P2P and Crowdfunding models in both Europe and the USA. No I am not talking Purchase to Pay solutions, my partner […]
P2P Lending, Loss Rates, and Risk Mitigation

It's been almost a decade since the first UK P2P Lender Zopa launched, back in April 2005. In the analog world, relationships mattered. In a […]