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Curated industry news and original merchant playbooks.
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Chime Courts $75K-Plus Earners as Instant Loans Grow 30%
Chime sees a 30% surge in instant loans as higher-income earners ditch traditional banks for digital-first financing tools.
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OppFi abandons purchase of BNC Bank
OppFi pulls its bank acquisition bid after regulatory hurdles, signaling a tougher path for fintechs seeking banking charters.
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Revolut lands New Zealand banking licence
Revolut becomes New Zealand's first digital bank, signaling a shift toward more accessible digital consumer credit and lending options.
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Shopify Capital Originates $1.5B in SMB Loans and MCAs in Q3, Shares Delinquency Data
Shopify Capital hits record $1.5B in Q3 originations, signaling a massive shift toward platform-based lending for online retailers.
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medical
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Klarna Teams With Fresha to Bring BNPL to Beauty Bookings
Salons and spas using Fresha can now offer Klarna’s flexible payment options to boost bookings for high-ticket beauty and wellness services.
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Paysafe appoints Rob Schonfeld chief revenue officer
Paysafe taps industry veteran Rob Schonfeld as CRO to drive global merchant growth and payment innovation.
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Credit issues put damper on profits at SBA specialist Newtek
A surge in problem loans at a top SBA lender signals a tightening credit market and rising financial pressure for small business operators.
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home-improvement
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Happen Bank ties 26% credit growth to home improvement loans
Happen Bank reports 26% credit growth fueled by residential project financing, signaling a stable and hungry market for home improvement merchants.
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Kohl’s Embeds Klarna Payment Options Ahead of Holiday Shopping Season
Kohl’s integrates Klarna’s flexible payment suite to boost conversion rates and purchasing power ahead of the peak holiday season.
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Amex recruits its next chief risk officer from US Bancorp
American Express hires U.S. Bancorp veteran Jodi Richard to oversee risk management and navigate increasing regulatory scrutiny.
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Bitty Has Surpassed $1B in Originations Since 2021
Small business funder Bitty hits the $1 billion mark and launches new premier products to support merchant growth.
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OppFi Revenue Dips 3.8% Amid Muted Borrower Sentiment
OppFi shifts strategy toward flexible credit and tech upgrades as subprime loan originations drop 7% amid cooling consumer sentiment.
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SoFi's Noto offers positive forecast despite 'haters'
SoFi raises its outlook and ramps up personal lending, signaling a resilient market and increased liquidity for consumer financing.
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automotive
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CarParts.com Integrates Klarna to Expand Checkout Options
CarParts.com partners with Klarna to offer interest-free installments and long-term financing for automotive parts and accessories.
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PayPal counts on growing its business beyond payments
PayPal shifts strategy toward high-margin credit products and data-driven merchant tools to move beyond simple payment processing.
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Truist explores sale of specialty lender Afco Credit
Truist signals a shift away from specialty lending as it explores a sale of insurance premium finance leader Afco Credit.
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SoFi Originates $27 Million in Small Business Loans in Inaugural Quarter
SoFi enters the SMB lending space with $27 million in inaugural loans, signaling a new digital-first funding option for small business operators.
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Sezzle applies for national bank charter
Sezzle applies for a national bank charter, aiming to transition from a fintech provider to a regulated bank to better support merchants and consumers.
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PayQuicker names Tyron Bennion chief revenue officer
Payout platform PayQuicker appoints Tyron Bennion as CRO to drive global growth and merchant payout innovation.
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Truist Weighs Sale of Insurance Lender Afco Credit
Truist looks to offload Afco Credit, signaling a major shift in the insurance premium financing market that could affect how businesses fund their policies.
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Heartened by sponsor-bank success, a Connecticut bank eyes SBA
Connecticut's DR Bank is leveraging its fintech partnership success to launch a national digital lending platform and SBA loan division.
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Mastercard Launches Creator Card Project With MrBeast
Mastercard and YouTube star MrBeast team up to launch new co-branded card programs targeting the next generation of digital-native spenders.
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Revolut launches personal loans in the UK
Digital banking giant Revolut enters the UK personal loan market, offering customers instant credit that could bypass traditional point-of-sale financing.
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Fifth Third is putting its banking relationships to work to find new growth
Fifth Third Bank shifts focus toward embedded finance and point-of-sale technology to capture more merchant volume.
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American Express Expands Travel Platform With Airbnb Integration
American Express integrates Airbnb into its travel portal, allowing cardholders to earn rewards on home rentals just like traditional hotels.
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Sezzle Pursues National Bank Charter to Add FDIC-Insured Deposit Accounts
BNPL provider Sezzle applies for a national bank charter, aiming to offer insured deposits and gain more control over consumer lending.
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home-improvement
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Blaming rates, Flagstar says turnaround will take more time
Flagstar Bank delays its strategic turnaround to 2028, signaling a prolonged period of caution for one of the industry’s key lending partners.
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Wells Fargo consolidates leadership of consumer bank
Wells Fargo merges consumer banking and lending leadership, signaling a shift toward more integrated retail credit products and AI-driven financing.
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Sezzle applies for national trust bank charter from OCC
Sezzle pivots its regulatory strategy by applying for a national bank charter to streamline operations and support long-term growth.
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Sam's Club picks Affirm for BNPL
Sam’s Club partners with Affirm to offer transparent Buy Now, Pay Later options online, with a full in-store rollout planned for 2027.
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automotive
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Maxim Commercial Capital Achieved Strong Growth in Q3 2026
Maxim Commercial Capital reports record Q3 growth, signaling increased funding availability for commercial vehicle and equipment dealers.
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general
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Bank OZK, heavy in CRE loans, makes progress on diversifying
Bank OZK pivots toward consumer and indirect lending as it seeks to reduce its heavy reliance on the struggling commercial real estate market.
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Klarna and FreshBooks Team to Bring BNPL to Small Businesses
Klarna integrates with FreshBooks to let small businesses and service providers offer BNPL terms directly on their invoices.
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Cross River to acquire Accrue
Cross River’s acquisition of Accrue signals a new era where consumer financing, digital wallets, and merchant loyalty programs merge into one platform.
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How Barclays plans to grow its U.S.-based digital bank
Barclays leverages its Best Egg acquisition to expand digital lending and cross-sell financing products to 25 million U.S. customers.
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TreviPay expands Pay By Invoice availability for Walmart Business customers
Walmart Business expands its B2B credit program, offering 'Pay By Invoice' options to help small businesses manage cash flow.
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LemFi adds credit and eSIM products
LemFi expands its financial app to include credit products and connectivity tools for the global immigrant community.
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Capital One Pushes Deeper Into AI as Card Spending Grows
Capital One reports strong Q3 spending growth and lower credit losses as it integrates Discover and ramps up AI investments.
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Cross River to buy loyalty platform Accrue
Cross River Bank acquires Accrue to integrate customer loyalty and rewards directly into the payment and financing process.
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Idea Financial Launches Idea Signature, Offering Lines of Credit Up to $1 Million to Midsize Businesses Through Joint Venture with MidOcean Partners
Idea Financial expands its reach with a new $1 million revolving line of credit program aimed at growing midsize businesses.
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How Bluevine will change under Valley Bank without losing its core
Valley Bank’s $340M acquisition of Bluevine promises to blend high-tech small business lending with traditional banking stability.
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Klarna expands Fiserv partnership to enterprise merchants
Klarna integrates with Fiserv’s Commerce Hub, allowing enterprise merchants to easily launch BNPL options in-store and online.
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Inside Fifth Third's 'innovation economy' ambitions
Fifth Third Bank scales its embedded banking platform, aiming to power the next generation of fintech tools for merchants and tech-driven retailers.
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How Mike Lyons, Truist's new CEO, is plotting a turnaround
Truist CEO Mike Lyons signals a major restructuring that could impact consumer lending availability and merchant partnership strategies.
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Truist consumer-bank chief is out in leadership shakeup
Truist offloads $7.7 billion in consumer loans and replaces its consumer banking lead, signaling potential changes for merchant financing partners.
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Truist Shifts Investment Toward Deposits and Digital Banking
Truist pivots to digital banking and deposits as consumer spending holds steady, signaling stable liquidity for retail financing.
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Truist's new CEO begins makeover with consumer business
Truist begins a major consumer banking overhaul, including the sale of its specialized home improvement lending platform.
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U.S. Bank doubles down on small-biz growth
U.S. Bank targets small business growth by bundling new credit card offerings with merchant payment services.
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Kraken parent eyes EU license with bank acquisition
Kraken's parent company moves to acquire Saldo Bank, signaling a push to offer full-scale regulated consumer financing and lending across Europe.
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Upgrade applies for ILC charter
Consumer lender Upgrade applies for a bank charter, a move that could provide more stability and better rates for merchant financing programs.
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Cross River Picks Ex-Lazard CEO Evan Russo as President
Cross River Bank appoints former Lazard CEO Evan Russo as President to lead the next phase of its fintech and lending infrastructure growth.
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Fintech Upgrade applies for ILC charter
Consumer credit fintech Upgrade applies for a bank charter, aiming to gain more control over its lending products and customer rates.
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Upgrade Seeks Nevada Charter to Complement Existing Banking Relationships
Fintech lender Upgrade applies for a Nevada bank charter to strengthen its lending operations and reduce reliance on partner banks.
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Wells Fargo-supported Fund Aims to Refinance MCAs
A new $19 million fund backed by Wells Fargo aims to help small businesses escape high-interest Merchant Cash Advances through refinancing.
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Stripe, FedEx team on SMB lending
FedEx and Stripe are leveraging logistics and payment data to provide streamlined, data-driven working capital for small businesses.
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automotive
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Ally CEO: ‘Strategy is about choices’
Ally Bank streamlines its focus on automotive lending and core retail banking to ensure stability amidst shifting interest rates.
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Valu and Alshaya Group team on flexible payments for retail brands in Egypt
Valu partners with Alshaya Group to launch flexible installment plans across major global retail brands in Egypt.
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Avant is building a bank from scratch as the OCC approves most charter applicants
Consumer lender Avant applies for a national bank charter, signaling a push for lower capital costs and expanded credit products for its 4.8 million users.
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YouLend and Verifone team up on merchant financing
Verifone and YouLend partner to embed flexible merchant financing directly into payment systems for convenience and fuel retailers.
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Biz2Credit makes senior hires
Biz2Credit adds new leadership to drive capital market growth and expand financing partnerships for small businesses.
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U.S. Bank is building its small business relationship around the way owners run their businesses
U.S. Bank integrates banking and POS software to provide merchants with streamlined financing and real-time cash flow management.
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Fifth Third Debuts Innovation Banking for Startups and Growth Companies
Fifth Third Bank launches a dedicated Innovation Banking division to provide specialized credit and embedded finance tools for high-growth startups.
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Stripe swallows Parafin
Stripe acquires Parafin to integrate seamless, data-driven business financing directly into its payment processing platform.
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Idea Financial Closed on Their Inaugural $100M Asset-Backed Securitization
Small business lender Idea Financial secures $100M in new funding, signaling increased loan availability and stability for growing merchants.
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OCC approves first CEBA credit card bank in 20 years
The OCC's approval of Mission Lane’s bank charter signals a new era of regulated, tech-driven financing options for subprime and credit-invisible consumers.
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Nubank’s Ethan Eismann: ‘You have to love your customers fanatically for them to love you fanatically’
Latin American fintech giant Nubank enters the U.S. market, bringing its high-engagement, no-fee credit products to American consumers.
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Valley Bank to buy digital SME banking platform Bluevine
Valley Bank acquires Bluevine for $340M, signaling a major move to blend traditional banking stability with high-speed digital lending for SMEs.
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U.S. Bank Launches Cards to Meet Small Business Rewards Demand
U.S. Bank targets small business owners with a new flat-rate 2% cash-back card designed to simplify rewards on daily operational spending.
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Valley will gain low-cost deposits from deal for Bluevine
Valley National Bank acquires Bluevine’s banking unit to secure low-cost deposits and expand its small-business lending tech.
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Valley Bank Courts Small Businesses With Bluevine Acquisition
Valley Bank acquires Bluevine for $340M, signaling a push for faster, AI-driven digital lending and banking tools for small business owners.
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FDIC clamps down on ‘significantly undercapitalized’ Old Glory Bank
Federal regulators have restricted Old Glory Bank from lending due to dangerously low capital levels, signaling potential instability for its merchant partners.
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Valley National Bank to acquire fintech Bluevine for $340M
Valley National Bank’s acquisition of Bluevine signals a major shift toward merging traditional bank stability with fast, tech-driven small business lending.
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Mission Lane gets green light for OCC charter
Mission Lane receives conditional approval for the first new OCC credit card bank charter in 20 years, signaling shifts for subprime consumer lending.
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Sainsbury's begins roll out of loans and saving products via NatWest Boxed
Sainsbury’s partners with NatWest to launch embedded personal loans and savings, signaling a shift toward retailer-branded financial ecosystems.
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Why BMO has regained confidence in its US strategy
BMO signals a pivot back to U.S. growth and stability after overcoming integration hurdles from its recent West Coast expansion.
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Amazon Adds Walmart Orders, Opening a Wider View of Sellers
Amazon expands merchant lending criteria to include sales from external marketplaces like Walmart, offering a holistic view of seller creditworthiness.
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Revolut Wins Central Bank Approval to Acquire Argentine Bank
Global fintech Revolut gains Argentine banking license, signaling a major expansion into consumer credit and lending services.
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Latest leadership shuffle shows Wells Fargo is in new phase
Wells Fargo's leadership shakeup signals a shift toward growth and stability, moving the major consumer lender past its era of regulatory crisis.
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Wells Fargo names COO Scott Powell as next risk chief
Wells Fargo taps COO Scott Powell as new risk chief, a move that could influence the bank's future lending appetite and credit approval standards.
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Decta and Sapi partner to bring payment-linked financing to UK SMEs
DECTA Capital launches a payment-linked financing solution for UK merchants, offering flexible repayments tied directly to daily sales volume.
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NMI Expands Business Capital Lending Program for Small Merchants
NMI scales its embedded lending program, giving merchants faster access to working capital through their existing payment infrastructure.
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Amazon adds Affirm payments option in the UK
Amazon UK partners with Affirm to offer transparent monthly installment plans for purchases over £100.
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Fintech Avant applies for OCC charter
Consumer lender Avant seeks a national bank charter to lower funding costs and expand its credit offerings for mid-prime borrowers.
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Santander refers vulnerable customers to Sibstar
Santander partners with Sibstar to launch a debit card designed to help customers with cognitive impairments manage their spending safely.
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Ally bets on loyalty perks to boost consumer bank strategy
Ally Bank launches a new loyalty program to deepen consumer relationships, potentially boosting its ecosystem for retail and auto financing.
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Nubank intends to paint the U.S. banking system purple
Latin American fintech giant Nubank enters the U.S. market, bringing high-tech, no-fee credit cards and banking to a new audience.
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Avant Seeks National Bank Charter to Serve Customers Directly
Fintech lender Avant applies for a national bank charter, aiming to lower costs and streamline its consumer credit offerings.
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Online lending platform files de novo bank charter request
Fintech lender Avant applies for a national bank charter, signaling a push for more stable and cost-effective consumer financing options.
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Nubank appoints Circle's Sarah Wilson chief legal officer
Latin American digital banking giant Nubank hires former Circle executive Sarah Wilson to lead its global legal and compliance efforts.
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home-improvement
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The Weekly Closeout: Bed Bath & Beyond parent plots a credit union and Express goes back to the ‘90s
Bed Bath & Beyond's parent company plans to launch a credit union to offer direct financing and financial services to homeowners.
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Riverty opens bank in Luxembourg
Riverty secures a full banking license in Luxembourg to scale its BNPL and consumer finance products across Europe.
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NYC Touts its Revenue-Based Loan Program
New York City’s Future Fund offers flexible revenue-based loans starting at $25,000 to help small businesses manage seasonal cash flow.
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After securing Colombian banking licence, Revolut applies for another in Switzerland
Revolut secures a banking license in Colombia and eyes Switzerland, signaling a major push into regulated global consumer lending.
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automotive
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Huntington tempers outlook due to higher rates, lower yields
Huntington Bank scales back auto lending projections as high interest rates and stiff competition squeeze profit margins.
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Brazil’s Nubank launches in the US
Latin American fintech giant Nubank enters the U.S. market, signaling new competition in the digital banking and consumer credit space.
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Chase Lets Cardholders Invest Reward Points With JPMorgan
Chase adds a new investment feature to its Ultimate Rewards program, allowing cardholders to flip reward points into brokerage accounts.
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Monzo launches auto-invest cashback card
Monzo’s new metal credit card automatically turns merchant transactions into investment contributions, signaling a shift in consumer reward expectations.
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automotive
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Under new CEO, Truist is exiting near-prime auto lending
Truist Bank exits the near-prime auto loan market, forcing dealers to find new financing partners for credit-challenged car buyers.
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Amex accelerates its encroachment on business banking
American Express expands small business services with new high-yield accounts and AI payroll tools to compete with fintech rivals.
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automotive
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Truist to exit near-prime auto lending, sell $5.5B in loans
Truist exits near-prime auto lending and sells off $5.5B in loans, forcing dealerships to find new financing partners for mid-range credit customers.