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How Dynamic Credit Limits Are Changing Small Business Lending
Small business owners often face a cruel irony: they need more working capital when sales surge, but traditional banks only review credit lines annually. This episode explores how real-time transaction data is enabling dynamic credit limits that adjust weekly or even daily. We look at the mechanics behind these algorithmic decisions, the risks of over-leveraging during seasonal peaks, and why this shift matters for cash flow management in late 2026. Lucas and Luna break down the specific technology driving this change and what it means for entrepreneurs who have historically been underserved…
The skinny
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