Small and medium-sized businesses (SMBs) ended 2025 sharpening their demand and reliance on platform-based working capital. Earnings disclosures indicate that those balances grew meaningfully year over year across major commerce ecosystems. As commerce volumes fluctuate and operating expenses remain elevated, platforms that process payments and...
FinTech company Avant closed a $200 million personal loan securitization that it said it expects to provide over $500 million in financing capacity over its 24-month life. The transaction also marks Avant’s first deal to receive AAA ratings from both Fitch Ratings and Kroll Bond...
Subprime borrowers drove unsecured personal loan originations and balances to record highs, TransUnion said in a Thursday (Feb. 19) press release. Unsecured personal loan originations reached a record of 7.2 million in the third quarter of 2025, according to the release, which highlighted findings from...
The Federal Reserve wants to get banks to focus on mortgage lending once more, The Wall Street Journal reported Wednesday (Feb. 18). Many banking giants in the United States got out of the home loan business following the 2008 financial crisis, with nonbanks like Rocket...
The “2025–2026 Growth Corporates Working Capital Index,” a collaboration between PYMNTS Intelligence and Visa, examines how middle-market and growth-oriented companies are redefining working capital in an environment shaped by volatility and tighter access to financing. Based on a global survey of CFOs and Treasurers, the...
The U.S. Department of Education said Friday (Jan. 16) that it will temporarily delay the implementation of involuntary collections on federal student loans so it can add more ways for borrowers to repay their loans. During the delay, the agency will implement student loan repayment reforms...
The “2025–2026 Growth Corporates Working Capital Index: North America Edition,” a collaboration between PYMNTS Intelligence and Visa, examines how middle-market companies across the United States and Canada are rethinking working capital as a strategic asset rather than as a defensive necessity. Based on a double-blind survey...
Working capital used to sit in the background of corporate strategy. In 2025, however, chief financial officers across the middle market rediscovered working capital as one of the most powerful and underleveraged sources of competitive advantage. “The Growth Corporates Working Capital Index 2025-2026,” a Visa...
Since 2010, auto loans have gone from being the safest credit products to the riskiest. VantageScore Chief Economist Rikard Bandebo discussed the country’s record-high auto delinquency rates in an interview with Bloomberg Monday (Dec. 22). Several factors lead to this trend, including the fact that...