Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Restaurant Data for Dynamic Merchant Cash Advances
In this episode, Lucas and Luna explore how fintech lenders are using real-time restaurant point-of-sale data to underwrite dynamic merchant cash advances. They dive into the story of a small Brooklyn pizzeria that secured a working-capital advance based on its live Square sales data, and they examine the shift from traditional credit scores to cash-flow-based underwriting. The conversation covers the technology stack behind these advances, the benefits for restaurants with seasonal or volatile revenue, and the risks of revenue-based financing. Expect concrete examples, a look at key players…
The skinny
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