Square is now extending credit to more sellers after improving its underwriting models to assess the creditworthiness of those with non-standard revenue patterns. The new underwriting models enable the company to offer Square Loans to project-based earners, seasonal operators and businesses that are new to...
U.S. Bank has introduced longer-term home improvement loans for its Avvance point-of-sale lending platform. The new loan options, announced Wednesday (March 25), include six-year and and seven-year terms and are designed to help finance higher-cost home improvement projects. “These extended terms provide homeowners with greater...
Coinbase and Better have partnered to enable borrowers to pledge their bitcoin or USDC holdings as collateral for a loan used to cover the down payment on a house. With a crypto-backed mortgage originated and serviced by Better, borrowers get a standard Fannie Mae mortgage...
Private credit is entering a phase where funding access depends on how loans are financed after origination. Market signals show capital flowing to structured credit even as liquidity stress emerges in fund-based lending. In short, private credit is no longer a contest of who can...
For chief financial officers and treasurers, working capital is starting to look less like an operating metric and more like an investment decision. What used to be managed mainly as a buffer for payroll, payables and short-term obligations is now being evaluated for how hard...
JPMorgan marked down the value of loans to software companies in the portfolios of private credit lenders, the Financial Times reported Tuesday (March 10), citing unnamed sources. Software companies are seen as vulnerable to the effects of artificial intelligence, according to the report. JPMorgan’s move...
Watch more: Office of the CFO With Ben Ellis of Visa Commercial Solutions Picture a manufacturing company with $4 million sitting in accounts receivable, another $2 million tied up in supplier invoices, and a growth opportunity on the table that requires capital within 30 days....
Private credit has evolved from a niche financing tool to a fixture of modern capital markets, and as it expands, banks, regulators and investors are taking a closer look at the risks embedded within that lending class. Direct lending by nonbank financial institutions expanded rapidly...
The “Growth Corporates Working Capital Index 2025–2026: Research Report Data Book” is a PYMNTS Intelligence report commissioned by Visa. The report examines how Growth Corporates are rethinking working capital management in an environment defined by volatility, expansion and digital acceleration. These firms, typically generating between...