The Future of Alternative Finance Is Already Here
Gen Z isn’t waiting for the future — they’re building it.
Only 17% of Gen Z entrepreneurs have opened a traditional bank account (Business of Apps Institute, 2025). Instead, they’re running their operations through fintech platforms, e-commerce wallets, and digital-first tools.
This generation doesn’t just want access to capital — they expect it to move as fast as they do.
They grew up in an “instant everything” world where same-day delivery, real-time transactions, and 24/7 support aren’t perks — they’re the standard.
And that’s exactly what’s reshaping small business funding..
💡 What’s Driving the Shift
Gen Z wants speed and simplicity, but they’re not reckless. They also expect transparency, authenticity, and control over every financial interaction.
They’re looking for funding partners who can match their pace and their principles – and you shouldn’t overlook them, because they represent nearly 27% of the population.
Recent studies show that 45% of Gen Z are more likely to engage with brands that demonstrate transparency and trustworthiness (Analyzify, 2025). Another found that Gen Z consumers place 2.7x more weight on a brand’s values and actions than older generations (Boston Brand Media, 2025).
That means MCA brokers who lead with speed and trust will own the next decade of alternative finance.
And that’s exactly where Nexi stands out.
⚠️ The Growing Risk of Over-Stacking
Here’s the challenge: fast access to funding can also create fast problems.
When multiple Merchant Cash Advances are stacked on top of each other, daily remittances can start eating away at cash flow. For Gen Z-led businesses, many are still finding their financial footing, which can turn opportunity into overwhelm, fast.
This is where responsible funding makes the difference.
Instead of stacking new advances onto struggling merchants, Nexi helps brokers offer a smarter path:
Nexi’s Reverse Consolidation weekly purchase solution is designed to bring relief, not more pressure.
How It Works:
Nexi provides consistent weekly deposits directly into your merchant’s bank account, designed to ease financial pressure and support ongoing commitments. Through this program, Nexi purchases a portion of future receivables, giving your merchants the flexibility to manage cash flow challenges and stay focused on running their business.
By streamlining multiple MCAs into a manageable payment plan, Nexi helps merchants:
✅ Simplify repayment schedules
✅ Reduce remittances by up to 50%
✅ Build trust with funding partners who put transparency first
It’s not just about funding fast, it’s about funding right.
🧱 Where Nexi Stands
At Nexi, we believe that speed without transparency is a short-term fix, and transparency without speed is a missed opportunity.
That’s why we built our Reverse Consolidation solution around both.
✅ Fully transparent, plain-language explanations: No hidden clauses, no surprises. Merchants understand exactly what they’re signing
✅ Compliance-forward structure: Built to keep brokers and merchants aligned with evolving, consumer-protection regulations.
✅ Lightning-Fast Offers: With our rapid turnaround time, you can expect to receive funding offers in under an hour.
🔚 Final Thought
The future of alternative financing won’t be decided by who moves fastest — but by who moves fastest with trust.
Gen Z is rewriting the rules of small business funding. They’re fast, digital-first, and driven by speed, transparency, and accountability.
Brokers who evolve with them, who lead with speed, trust, clarity, and innovative programs like Nexi’s Reverse Consolidation solution, will do more than close deals.
They’ll build partnerships that last.
Ready to help your merchants grow with the next generation of funding?
👉 Let’s talk.
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