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Education

even entirely replace—FICO score requirements. Data been developing reliable digital financial analysis to the
from the Internet of Things (IoT) not only enhances the point of mastery. Fintech focuses on a level of data analysis
user experience, it also allows lenders to draw information that spans global business models and universal financial
from social media, tax returns, and other financial activity. performance. And fintech's contribution to lending
supports and develops new models of underwriting.
The beauty of AI, blockchain technology and the IoT is that
they can capitalize on the digital footprint of any SMB to When SMBs want reliable lending, fintech marketplaces
make the MCA application process faster, easier and more are the prime choice for MCAs and traditional lending.
seamless. The benefit to businesses is huge: What does the business lending landscape look like?
• Improved application success rates
• Easier approvals Fintech has paved the way for massive growth in MCAs
for small businesses. As many businesses prepare for a
• Less stress new world post-COVID-19 and the lockdown of entire in-
• Accessibility through user-friendly mobile apps dustries, making smart financial decisions will become
• Reduced documentation requirements even more vital to business longevity.
• Faster turnaround time Understanding how an merchant cash advance can sup-
port small and midsize business enterprises—and how
Blurred lines between ecommerce and fintech fintech is enabling the fastest, most user-friendly appli-
Most MCA financing relies on proprietary transactional cation process in history—could mean the difference be-
data. Does this give MCA companies a competitive edge? tween success and failure in business moving forward.
At this point, yes.
Chad Otar is CEO of Lending Valley Inc. For information about the com-
Also, ecommerce giants may have their own company- pany, please visit www.lendingvalley.com. To reach Chad, send an email
specific lending model—based on users' habits as they to chad@lendingvalley.com.
interact with that specific site—but fintech companies have

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