Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time POS Data for Inventory Financing
Fintech lenders are now tapping into real-time point-of-sale data from small merchants to offer inventory financing in hours instead of weeks. Lucas and Luna explore how companies like Shopify Capital and Amazon Lending use transaction velocity, not credit scores, to underwrite short-term advances for inventory purchases. They break down a specific case: a boutique coffee roaster in Portland that used POS-linked financing to double its holiday inventory without a traditional bank loan. The hosts also discuss the risks of tying credit to sales volume, especially for seasonal businesses, and…
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