[…] Forward-flow funding is emerging as a key capital access strategy for FinTech-enabled SMB lenders. It offers a structured, upfront capital commitment from investors to support continuous loan origination and efficient risk offloading. As macroeconomic volatility rises, forward flow is attracting investors seeking short-duration, yield-generating assets. It is being adopted across diverse financing models, including embedded finance, invoice and trade finance, and revenue-based lending. The use of alternative data for underwriting and monitoring can help enable more precise credit risk assessment and customization of investment terms, making forward flow more dynamic and scalable. The concept isn’t new, and has roots in traditional structured finance. Its adaptation within FinTech and the SMB lending ecosystem reflects a broader shift in how liquidity and risk are managed in an increasingly digital economy. Read full article […]