SMB Financing Blog

Merchants are overwhelmed, brokers are under pressure, and the MCA stacking model is cracking. What once promised fast funding now delivers daily cash flow stress, renewal friction, and long-term burnout. In 2025, forward-thinking brokers aren’t just chasing quick closes—they’re shifting toward smarter, more sustainable solutions that actually help merchants grow. The real question isn't if the model is broken. The question is what replaces it.

In alternative finance, speed has always been the edge—faster approvals, funding, and payback. But in 2025, speed alone isn't enough. The real advantage is shifting to something smarter: AI-powered underwriting.

The rise of fintech has reshaped how brokers structure deals, assess risk, and secure funding for their merchants. Today, alternative lenders use AI-driven underwriting, real-time cash flow analysis, and faster approval systems to fund businesses that banks traditionally overlook. For brokers, the ability to navigate this tech-driven financing ecosystem.has become a major competitive edge.

The fintech industry is undergoing rapid transformation, and ISO/brokers who stay ahead of these changes will be better positioned to close more deals and provide smarter funding solutions for their merchants. In Plaid’s recent Fintech Predictions 2025 discussion, experts highlighted key trends that will shape the lending and alternative financing landscape in the coming year.

Struggling to stand out as an ISO/Broker in the competitive alternative financing space? Offering solutions that directly address cash flow challenges is key—and Reverse Consolidation is one of the most powerful tools at your disposal. This innovative approach helps merchants simplify debt, improve cash flow, and reinvest in growth. Learn how Reverse Consolidation works, why it benefits both merchants and brokers, and how Nexi makes the process seamless.

The fintech industry is entering a new era of innovation, with emerging technologies reshaping how financial services are delivered. At Nexi, we’re driving this transformation by embracing these advancements to empower and strengthen partnerships with ISO/brokers and their merchants.

The holiday season is more than just a festive time—it's a make-or-break period for merchants, with many relying on it for 20% or more of their annual revenue. As a broker, you play a crucial role in helping your merchants navigate this high-stakes season. From securing resources to overcoming cash flow challenges, the right support can position them for success and ensure they thrive during the busiest time of the year.

Since its inception, Small Business Saturday has grown into a major economic driver, supporting local economies and encouraging community connection. In 2023, spending reached a remarkable $17 billion, underscoring the day’s importance for small businesses across the country.

The Revenue-Based Financing landscape is evolving quickly, with regulatory compliance and transparency becoming essential trends for 2024. ISOs that prioritize clear communication and compliance can leverage these changes as a competitive advantage. By maintaining transparent practices and adhering to emerging regulations, brokers can build stronger relationships with merchants, enhance trust, and set the stage for long-term growth.