Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Tax Payment Data for Dynamic Business Lending
Episode 120 of Fintech Conversations with Fexingo dives into a largely untapped data source for lending: real-time tax payment data. Lucas and Luna explore how fintech lender Kabbage (now part of American Express) is using ongoing sales tax filings to dynamically adjust lines of credit for small businesses. They break down the numbers: why a restaurant paying 8.25 percent sales tax every month can be a stronger borrower signal than a traditional credit score, and how the IRS's shift toward digital filing has made this data live. The hosts also discuss privacy guardrails and the risk of…
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