The FinTech SMB Bundle

SMBs need technology to automate workflows and remove friction so they can focus on what matters most.

Small businesses are rapidly growing in the United States and yesterday’s mom and pop tools won’t cut it for this generation of business owners. This means there’s also a massive opportunity for incumbents and challengers to become the system of record for small businesses. Many of today’s solutions are fragmented across several providers – including payment gateways, point-of-sale, accounting software, lending, and commercial deposits – and not integrable with other systems. We believe there is an opportunity to bring these different capabilities together in a coherent “bundle” that delivers an unified experience – and ultimately makes it easier to run and grow their business.

Why Now?

On the back of the “Great Resignation” small business creation is expected to surge, increasing the market size for SMB services. According to Intuit’s 2021 New Business insights Report, 17M U.S. employees want to start a business. Not only this but the SMB segment is rapidly digitizing, with business owners regarding online sales as a key revenue driver and increasingly going cashless.

Who Cares?

• Financial Institutions
• Business banking challengers
• SMB tech platforms (Square, Toast, Clover, etc)
• Payment processors

What Areas Excite Us Today?

• Front-end solutions
  • Payment acceptance
  • Frictionless checkout
  • Next-gen POS systems
  • Lead-gen/marketing
  • Embedded lending
• Back-end Solutions
  • Accounting and bookkeeping
  • General ledger
  • Spend management
  • Modern underwriting
  • Benefits (HR/Health)
• Connectivity
  • Real time access to 3rd party data
  • Supplier networks
  • Alternative payment rails
  • Payroll

01 — Tokenizing Value: Stablecoins

Programmable Dollars for Borderless B2B Payments

Stablecoins offer a faster, cheaper, and programmable alternative to legacy cross-border payments. They’re already transforming B2B flows, treasury ops, and global merchant settlement.

Read More

02 — Agentic Commerce

AI Is Changing How Consumers Find (and Buy) Products and Services

AI is reshaping how people discover and buy online. As bots replace browsers, merchants and infrastructure providers must adapt to a world where shopping happens via API, not UI.

Read More

03 — AI for Accounting

AI will Automate Many Core Finance Functions

AI is already automating many tasks for finance teams. As the technology advances, its applicability will expand to support broader workflows across accounting and auditing.

04 — Commercial Lending

Modernizing the Credit Stack for Banks & Private Credit

Commercial credit is shifting fast, but the systems that support it haven’t kept up. As private credit steals increasing share from bank lenders, tech is the key to faster decisions, smarter risk, and better margins.

Read More