Small Business Lending: Banks, FinTech, or SBA?

Small businesses have always had a harder time securing financing than their larger brethren, but these challenges have grown even worse in recent years. As economic conditions have improved, fledgling firms have been seeking additional capital to invest and expand. While demand for credit from this sector is growing, many banks are reluctant to provide them the financing they need.

Spotlight

Duart Mull

Headquartered in Atlanta, Georgia, Duart Mull is an investor with a unique approach and a clear vision for building business success. We put capital to work by mobilizing our own funds or teaming with strategic co-investors to partner with private businesses, giving entrepreneurs and founders access to the capital and management expertise they need to drive dynamic growth. We’re driven by an entrepreneurial spirit – with heritage born from generations of business creators and innovators – that inspires and fuels all that we do. We’re endlessly creative, exploring opportunities in growing businesses that no one else sees, while earning trust and confidence to forge powerful partnerships.

OTHER WHITEPAPERS
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Payments outsourcing – pros, cons & considerations that should be on your radar

whitePaper | February 28, 2020

Payments has seen much change and innovation in the last years and will continue to evolve at the same pace. Just two examples are the introduction of Instant Payments in Europe and the launch of Open Banking/PSD2. On the infrastructure side, SWIFT has introduced gpi, setting the new standard for cross-border payments. The other major event was the introduction of Request to Pay.

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FinTech Trends for 2021 - What will 2021 bring us in FinTech Innovation?

whitePaper | April 14, 2021

So what will 2021 - and beyond - bring us in FinTech innovation? Central Bank Digital Currencies? - perhaps - but some would argue that most currency is already digital: how much physical cash did you handle in the last year? And how much was transacted by digital money transfer, real-time payments, card transactions, mobile wallets… Does money actually exist? The news is full of how multi-million-pound artworks can now be represented by ‘non-fungible tokens’ which represent ‘digital’ but not physical ownership of the artworks.

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Fintech on Alibaba Cloud

whitePaper | May 17, 2021

The FinTech industry has undergone a period of rapid growth, thanks to advancing digitization and the integration of smart devices into our day-to-day lives. As a result, a range of innovative e-lending and e-payment solutions now exist, helping customers around the world gain access to these financial services. This is especially true in emerging markets, where traditional financial services companies are not growing quickly enough or providing the level of ubiquitous that FinTech companies can seamlessly provide, thanks to their impressive accessibility. Learn how the Alibaba Cloud FinTech on the Cloud solution can boost end user satisfaction and expedites their time-to-market.

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The business value of ServiceNow for retail banks

whitePaper | December 12, 2021

Banks typically approach transformation in part by reengineering their own internal business, IT, and operational processes either in ad hoc ways tied to direct response to some tactical problem or over longer time frames based on carefully planned out strategic planning. Recently, however, this transformational process has taken on a new urgency, and certain projects that were targeted to take a year or two have needed to be accelerated to meet our rapidly changing banking environment. Even the need to respond to today’s tactical challenges needs to be viewed through the long lens of transformation. As banks begin their process of recovery, projects that provide immediate return on investment (ROI) and help develop resilient operations, improve customer experiences, or improve compliance through improved service management will become critical to how quickly banks can recover from periods of economic disruptions, now and in the future.

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How Latin American banks are using Knomi™ to win morecustomers and prevent fraud

whitePaper | January 7, 2020

Dramatic advances in mobile phone technology and networks present banks the opportunity to make their services more accessible. Customers can now use their mobile devices to quickly apply for new accounts and credit lines, access their account information, and perform purchases and transactions, all without ever visiting a branch or ATM.

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TECHNOLOGY INNOVATION IN CAPITAL MARKETS

whitePaper | February 4, 2020

Banks are also open to innovation, with a perhaps surprising 83% focusing most of their technology efforts on the front office and 56% on CRM in the last three years. This reflects a focus on improving the digital customer experience and becoming more customer-centric. We're now seeing the wave of digitalization that has swept through retail banking move through SME business banking, which represents $1 trillion (20%) of bank revenues worldwide but sees the biggest gaps in funding and customer satisfaction (estimated at $5tr by the World Economic Forum).

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Spotlight

Duart Mull

Headquartered in Atlanta, Georgia, Duart Mull is an investor with a unique approach and a clear vision for building business success. We put capital to work by mobilizing our own funds or teaming with strategic co-investors to partner with private businesses, giving entrepreneurs and founders access to the capital and management expertise they need to drive dynamic growth. We’re driven by an entrepreneurial spirit – with heritage born from generations of business creators and innovators – that inspires and fuels all that we do. We’re endlessly creative, exploring opportunities in growing businesses that no one else sees, while earning trust and confidence to forge powerful partnerships.

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