SMB Financing Blog

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.

As the holiday season approaches, merchants face both opportunities and challenges. Black Friday, Cyber Monday, and the holiday shopping surge drives revenue, but they can also strain finances—especially for merchants managing multiple Merchant Cash Advances (MCAs).

With Q4 around the corner, it's one of the most critical times for merchants. As an ISO/broker, you have a unique opportunity to help secure funding for your merchants while minimizing risk in the MCA space. Here are a few essential strategies and tips from Angie Marks, Nexi’s Director of ISO Relations:

The alternative financing market is rapidly evolving, creating new growth and innovation opportunities for MCA lenders. Discover how Nexi navigates key industry updates, seizes market opportunities, and addresses traditional loan challenges to support ISO/ brokers and their merchants effectively

In the competitive landscape of small business funding, many businesses fall into the "missing middle" – too large for microloans (i.e., short-term loans provided by government programs) but too small to attract substantial investment or traditional bank loans.

Stay ahead in 2024 by understanding the latest cash flow trends that can drive your business success.

Stay ahead in 2024 by understanding the latest cash flow trends that can drive your business success.