Fintechs Use Real-Time Cash Flow Data for SMB Lending

Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies · Jul 18, 2026 · 11m · transcript

Lucas and Luna explore how fintech lenders are using real-time cash flow data from bank accounts and accounting software to underwrite small business loans in minutes. They examine the case of Pipe, which lets SaaS companies borrow against recurring revenue streams by analyzing live Stripe data, and compare this to traditional bank lending that relies on stale financial statements. The hosts discuss how this shift from backward-looking credit scores to forward-looking cash flow analysis is expanding access to capital for SMBs, but also raises questions about data privacy and algorithmic bias…