Stripe, FedEx team on SMB lending

Stripe and FedEx are partnering to change how small and mid-sized businesses (SMBs) access working capital. By combining FedEx’s shipping and logistics data with Stripe’s financial infrastructure, the two companies aim to offer faster, more personalized lending options. For retailers and operators, this means the traditional barriers to getting a loan—like mountains of paperwork and long wait times—are being replaced by 'embedded' finance. Instead of a bank looking at a static credit score, this partnership looks at your real-time operational health. If your shipping volume is consistent and your payments are flowing, you are more likely to qualify for capital. This capital can be used to purchase inventory, upgrade equipment, or manage seasonal cash flow gaps. The goal is to provide funding directly within the tools you already use to run your business. This move signals a broader trend where non-financial companies, like shipping carriers, become key players in helping you fund your day-to-day operations.

Source: Payments Dive

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