At the recent Web Summit in Lisbon, Pipe CEO Luke Voiles and Hiroki Takeuchi, CEO of GoCardless, shared their thoughts on the evolving world of embedded finance. In this Q&A session, they discuss what embedded finance means, how it’s transforming businesses, and their vision for the future of financial technology.

[You can also scroll to the bottom of this post to watch the video of the full conversation]

Q: What does embedded finance mean to you, and how has it developed at your respective companies?

I think embedded finance, as a term, is something that means a lot of different things to different people. For us, the concept of financial services being embedded into people's day-to-day lives is really where we started. When we first started 

, we actually initially launched the product with a partner. One of the things we quickly realized was that businesses didn’t want to think about payments on their own. They wanted it to be embedded in the software or processes they were already running daily.

One of the things that's always driven a big part of our success has been partnering with software providers to serve payments within the processes and experiences they are having on a day-to-day basis. Whether that’s sending a customer an invoice or signing up a customer to a new subscription, being embedded into that process has been key.

 to enable our merchants to get easier access to capital, which is another form of embedding financial services. Partnerships are a key part of what embedded finance means to me.

My focus has been on small businesses for almost 10 years. Looking at small business pain points, the number one is always access to capital. Payments is one of the early leaders in embedded finance. I was at Intuit for a long time—about five years—and then I went to Square. Watching Intuit embed features like allowing customers to send invoices and get paid, we launched QuickBooks Capital, which now does $2.4 billion annually in loan volume to QuickBooks customers.

Companies like GoCardless enable instant bank-to-bank money movement for small businesses. Historically, lending was detached from the system—think OnDeck, Bluevine, or Funding Circle. Now, with truly embedded offerings, GoCardless can send anonymized data, allowing us to pre-approve customer bases. In just a few clicks, businesses can access capital, solving the number one pain point with a seamless experience and high customer satisfaction.

When we talk about embedding financial services, we’re solving big challenges like access to capital. Oftentimes, businesses aren’t even aware of what they can access. Historically, going to a bank was onerous, and many banks aren’t set up to cater to small businesses. The partnership between GoCardless and Pipe makes it easy. Pre-approved offers are surfaced within a merchant’s daily process, providing seamless, timely access to financial tools.

Yes, and it’s about reducing friction while staying compliant. Banks and traditional financial systems struggle to integrate seamlessly. Meanwhile, modern fintech platforms, through partnerships, offer near-instantaneous onboarding and access to services. Our focus at Pipe has always been to embed solutions where users naturally need them, enhancing efficiency and driving adoption.

Q: What are the key factors driving the implementation of embedded finance solutions?

Yeah, for us, as I mentioned earlier, payments aren’t something businesses think of as a standalone process—they’re part of a wider workflow. Our focus has always been on embedding payments as deeply as possible into how businesses already operate, making the experience seamless.

When it comes to our partnership with Pipe, it’s a bit different. We have about 100,000 small businesses using our platform. They love working with us because we help improve their cash flow, reduce late payments, and minimize the time and effort spent on admin. These are key problems we solve for them.

But, as Luke mentioned, access to capital remains a huge challenge for small businesses. Often, it’s not just about the ability to access capital but also about awareness. Many small businesses don’t realize what they’re eligible for. If they’re used to dealing with banks, it’s often a slow and cumbersome process.

The partnership with Pipe has been powerful because we can pre-approve businesses and surface their options directly within their workflow. For example, a business owner checking their customer payments or planning their cash flow can see a pre-approved offer to access capital with just a few clicks. It’s seamless and integrated into their daily operations, which is incredibly powerful.

I completely agree. What’s fascinating is how these integrations solve pain points. For instance, one of our partners serves vertical SaaS businesses for nail salons and hair salons. Another serves service-based businesses like electricians and plumbers.

When thinking about embedding solutions, we ask: What tasks are these customers completing daily in their software? For nail salons, it might be managing appointments, payments, or inventory. That’s when you look at where the need for capital arises—whether it’s paying payroll, covering a bill, or buying equipment. The idea is to present a pre-approved offer at that exact moment of need.

It creates a security blanket for small businesses. They know that access to capital is just a click away whenever they need it. This requires analyzing customer behavior and understanding their workflows. Sometimes, we even help our partners better understand their customer behavior through data analytics and tracking.

Q: How do you see trust in digital financial services evolving?

Trust has come a long way. When we started GoCardless in 2011, businesses were skeptical of online financial providers. They preferred the familiarity of a physical bank branch. But over time, as digital platforms proved their reliability, that perception shifted.

Today, merchants are not only comfortable using digital services but are also open to recommendations from one digital provider to another. This trust in interconnected digital ecosystems has been a game-changer, enabling seamless partnerships like ours with Pipe.

Q: How do differences in regulation and customer behavior impact the implementation of embedded finance solutions across geos?

Regulation plays a foundational role in fintech. While merchants may not see it as part of the value proposition, compliance is critical to enabling the service. For example, onboarding processes need to be seamless while meeting strict regulatory requirements.

Operating globally adds layers of complexity. For instance, you have to navigate regulations from UK regulators, European regulators, and even state-by-state regulations in the US. Solving these challenges in a compliant way while offering a great user experience is a competitive advantage in fintech.

Hiroki’s right. To expand internationally, fintech companies need a modular approach. For example, at Pipe, we use GoCardless as a backend partner for money movement. This eliminates the need to integrate directly with banks in multiple countries.

We’ve built an orchestration layer for onboarding and compliance. This allowed us to launch in the UK just six weeks after starting in the US. By swapping in local datasets and adapting to specific AML (Anti-Money Laundering) rules, we can scale quickly. It’s about being smart with modular systems and relying on trusted local partners to handle the complexities of reconciliation and compliance.

Q: How do you see embedded finance, user experience, and technology evolving?

Embedded finance is about making financial services available in the moment—whether on desktop software or augmented reality. The key is surfacing solutions when and where they’re needed. For example, when a business decides to invest in new equipment, having pre-approved financing embedded directly into that process makes a world of difference.

We’re still in the early stages of this trend, and there’s so much potential for growth.

I see two big trends: better data and changing interfaces.

On the data side, fintech has evolved from relying on tax returns and audited financial statements to leveraging real-time transaction data. With Pipe, we work with perfect cash flow data streams, allowing us to automate credit decisions 100%. As datasets become more comprehensive, risk-taking will improve significantly.

On the interface side, we’ve moved from paper statements to PDFs to dashboards in software like Square or QuickBooks. The future is about automating tasks entirely. AI agents, for example, could handle everything from booking appointments to taking payments automatically. This would free up time for small business owners to focus on their families and their passions.

Embedded finance is transforming how businesses access and use financial services. Technology allows for fast, seamless delivery, and partnership between platforms puts access at the point of need, even across the globe. 

Here's the full discussion between Luke and Hiroki from Web Summit Lisbon, November 2024:

Luke Voiles and Hiroki Takeuchi discuss the evolution of embedded finance solutions and their impact on capital access for small businesses.

See the key takeaways from Luke Voiles and Hiroki Takeuchi's discussion on the future of embedded finance and watch the video of the full conversation. 

Exploring the future of embedded finance: Insights from Luke Voiles and Hiroki Takeuchi at Web Summit

When it comes to funding growth for small businesses, there are a few different options. Let’s take a look at two popular alternatives, Pipe Capital and traditional loans (also known as term loans), to see how they compare for small businesses:  

No. Pipe isn’t a lender and Pipe Capital is not a loan.

Pipe Capital offers a fast, frictionless alternative to loans with a cash advance built into the software tools SMBs use every day. By leveraging anonymized transaction data, Pipe makes working capital available to a wide range of small businesses, including many that aren’t able to access traditional lending. 

Now we’ll take a closer look at both options and see how they compare.

Lending was the primary financing model for thousands of years, which is why the term “loan” is often a catch-all used for getting outside funds.

In the simplest terms, small business loans involve borrowing money (the principal) with an obligation to repay the loan along with interest, typically in fixed monthly payments. While these payments are very predictable, small business revenue, unfortunately, often isn’t. 

There are several potential downsides to loans for SMBs. First, as mentioned above, the fixed payment schedule can lead to problems if your revenue has seasonality or other fluctuations. For smaller businesses, loans can also be very difficult to secure, as underwriting models aren’t always designed to fit how those businesses operate. And speaking of secure, traditional loans are typically 

 which means the loan is tied to collateral, like equipment or real estate, which can be put at risk if you’re unable to repay the loan. 

Traditional lending is also based heavily on credit scores, which have been shown to carry inherent bias, often making it much harder for women- and 

 to access the capital they deserve. Unfortunately, while the term “loan” has become ubiquitous, 

 showed that only ~14% of small businesses had access to working capital through their bank. 

Now let’s look at Pipe’s solution to the challenges of traditional loans.

How does Pipe Capital compare to loans, in terms of interest?

When you take out a loan, you repay the principal amount you borrowed, possibly an origination fee (2-5% of the loan amount is common), and interest which accumulates until the loan is paid off. The longer it takes to repay, the more interest you accrue, whether that’s a function of a longer repayment term or some option from the lender to pay more slowly due to hardship. 

Since Pipe Capital isn’t a loan, there’s no interest and no origination fee. When a business requests an advance from Pipe, they get a transparent view of exactly how much they’ll pay — the amount advanced, plus a one-time, flat fee. Unlike an origination fee, the one-time capital fee is added to the total and paid over time, representing the total cost of capital. And, unlike interest, this fee never increases, even if it takes longer than expected to pay your advance amount. 

Pipe Capital was designed for business builders, as a way to deliver fast, flexible capital access embedded in the software they use every day. Unlike loans, it’s a cash advance, meaning small businesses can advance a portion of their future revenue for up-front capital when they need it.

Pipe Capital powers capital solutions through software partners

, businesses can be pre-qualified or pre-approved before they even seek financing. Rather than depending on credit scores and lengthy applications, our underwriting is based on live anonymized transactions, which allows us to assess the health of a small business from just a few months of history. A few simple compliance checks are typically all that’s needed, and once approved business owners can have funds in their bank account in 1-2 business days, depending on their bank’s policies. 

Our underwriting models can also be tailored to a specific industry to reflect a better understanding of how those businesses operate. All this enables Pipe to provide capital access to many businesses underserved by traditional lending. 

As an advance, our payments automatically flex with the revenue of the business, preventing them from being caught with a large, fixed payment during a month with lower revenue. 

Pipe Capital was designed for small and mid-sized businesses, all the way down to microbusinesses and even sole props. While many of these smaller businesses struggle to obtain loans,

 makes it possible to advance their revenue with Pipe Capital.  

. By partnering with Pipe, you can seamlessly embed Pipe Capital into vertical SaaS, payfacs, and other software platforms that processes card payments for B2B customers. Our capital offering is fully themeable to feel native to your platform, and we have three integration options to choose from, so you can launch in as little as a few weeks or build a deeper custom integration.

When it comes to accessing capital, small businesses face a range of challenges, especially with traditional loans that can be rigid, slow, and inaccessible to many. Pipe Capital offers a modern alternative, designed specifically to meet the needs of today’s SMBs. By advancing future revenue without requiring collateral, personal guarantees, Pipe delivers a flexible and frictionless financing solution that adapts to your business’s cash flow.

Whether you’re an SMB looking for fast, reliable access to working capital or a software company aiming to provide embedded financial services to your customers, Pipe Capital is a game-changer. It’s not a loan—it’s a smarter, simpler way to fund growth without the constraints of traditional lending. With Pipe, you can focus on what matters most: running and growing your business.

This post was originally published in November 2021 and updated in February 2025.

See how Pipe Capital is different from loans and how both work for funding small business growth.

Traditional bank loans may be the right fit for your company. See how Pipe compares to loans and which is the best embedded option for your platform. 

Is Pipe a loan? See how Pipe compares to loans and which is right for you

Is Pipe a loan?

Pipe brings embedded financing solutions to Canada, powering embedded Capital for Housecall Pro.

Pipe Continues International Expansion to Canada Through Partnership with Housecall Pro

San Francisco, CA and San Diego, CA – February 13, 2025 

, a fintech company partnering with software platforms to deliver embedded financial solutions for SMBs, today announced its expansion to Canada through a partnership with Housecall Pro,

 the go-to software platform for over 45,000 home service companies. Together, the two companies are dramatically improving financial access for the industry by delivering Pipe’s embedded capital through the Housecall Pro platform.

The move accelerates Pipe’s strategy of providing capital access to SMBs globally from within the software they already use to run their businesses. With this expansion, Pipe is now live in the U.S., the U.K., and Canada, with additional geographies planned in the near future.

, 87% of Canadian SMBs are confident in their performance, yet two-thirds struggle with cash flow, and many lack access to capital, hindering their growth and expansion. The situation in Canada is consistent with SMB markets in the United States and the U.K., where Pipe Capital is being adopted rapidly to fill the hole left by banks and other traditional capital providers. 

Housecall Pro offers an industry-leading SaaS operating platform combined with modern financial services to help home service professionals, or “Pros,” run all aspects of their business. Traditionally, businesses like the ones served by Housecall Pro have struggled to access the financing needed to grow —running into long application processes, credit checks, and excessive paperwork. With Pipe Capital, Housecall Pro can surface personalized offers to Pros embedded in the same platform they use to run their business. Through the partnership, Pipe is able to assess risk and deliver personalized offers to Pros based on live platform data on revenue streams, cash flow, and business performance.

Key capabilities of the embedded offering in the Housecall Pro platform include:

"At Housecall Pro, we are dedicated to giving home service businesses the tools and resources they need to thrive and grow. Pipe’s customer-friendly capital solution aligns well with that mission,” said Valentina Durand, VP Strategy & Growth, Housecall Pro. “By offering our Canadian customers easy access to capital based on their present and future revenue, we're helping them knock down common financial hurdles and invest in their growth. This streamlined solution increases our value proposition for customers, increases satisfaction and loyalty for Housecall Pro, and strengthens our position as a leading platform for home service professionals."

“By partnering with an industry leader like Housecall Pro in Canada, we’re continuing to expand our global footprint to reach hundreds of thousands of small businesses that need capital to achieve their entrepreneurial dreams,” said Luke Voiles, CEO, Pipe. “

The home services industry has historically been underserved by traditional financial organizations. Combining Housecall Pro’s unmatched technology and expertise in supporting this market with Pipe’s tailored risk models, together we’re able to provide the capital these SMBs need to grow and prosper.”

Pipe makes customer-friendly capital and smart financial tools accessible to growing businesses inside the software they use every day. Our embedded solutions are built to scale and give business builders across industries the power to grow on their own terms. To learn more, visit 

Housecall Pro is a top-rated business solution that helps home service professionals save time, sell bigger jobs, and provide best-in-class service. With easy-to-use tools for scheduling, dispatching, payments, and more, Housecall Pro enables Pros to manage every aspect of their business all in one place. The software is available through a mobile app and web portal for Pros across the United States and Canada. Founded in 2013, Housecall Pro has been championing Pros through streamlined solutions and strong community support for over nine years. Housecall Pro’s brand portfolio includes BuildBook, construction management software for builders and remodelers, and CONQUER, a business coaching solution for home service businesses.

“State of SMB Finance in Canada” survey, conducted at the close of Q3 2024 by Float Financial

 Pipe Continues International Expansion to Canada Through Partnership with Housecall Pro 

Pipe's remote-first culture has been recognized as a top remote or hybrid workplace in America by Best Companies Group. 

Pipe Named a 2025 Best Remote and Hybrid Workplace in America

, a fintech company partnering with software platforms to deliver embedded financial solutions for SMBs, has been named a recipient of the 2025 Best Remote and Hybrid Workplaces in America Award by Best Companies Group. These awards identify, recognize, and honor the best remote and hybrid workplaces, celebrating excellence in virtual and flexible company cultures. 

“Pipe was designed to be a remote-first company, and it is gratifying to be recognized for building and maintaining an amazing remote culture and environment for our employees, wherever they are located,” said Anna Moghaddam, Head of People at Pipe. “Our goal is to empower small businesses with streamlined financial solutions to give them time back to focus on growing their business. We want our employees to also have the flexibility to choose where they do their best work so they can focus on our mission.”

Rankings were determined using Best Companies Group’s proprietary algorithm, which evaluated each nominated company's workplace policies, practices, demographics, and employee survey results measuring the employee experience. The final scores decided which workplaces were recognized and which ranked at the top of their respective categories.

“In today’s economy, top employers know that tapping into the full potential of their people—whether on-site, remote, or hybrid—is essential,” said Jaime Raul Zepeda, Executive Vice President of Best Companies Group + COLOR Magazine. “At Best Companies Group, we've identified the best workplaces that have mastered building a thriving culture with teams working beyond traditional office spaces. We’re thrilled to celebrate these exceptional organizations today.”

For more information about Best Companies Group’s Best Remote and Hybrid Workplaces in America 2025, visit https://bestcompaniesgroup.com/. The final rankings will be announced in January 2025.

Since 2004, Best Companies Group has been dedicated to identifying and celebrating top workplaces. With expertise in employee engagement, they’ve helped over 10,000 organizations enhance the employee experience, boosting engagement, productivity, innovation, and retention. A leader in engagement insights, Best Companies Group ranks thousands of companies annually using rigorous, research-based methodology. Their services include Ph.D.-designed engagement surveys, actionable insights, exclusive benchmarks, and accessible consulting. Learn more at bestcompaniesgroup.com.

Pipe's remote-first culture has been recognized as a top remote and hybrid workplace in America.

Pipe Named a 2025 Best Remote and Hybrid Workplace in America by Best Companies Group

Pipe Launches Embedded Business Card for SMBs

Pipe CEO Says Business Card Product Shifts Small Business Capital From Banks to Software Platforms

Pipe's embedded Business Card is made available to software and payments companies, enabling them to launch a new card product to SMBs quickly and easily.

Pipe Launches Embedded Business Card for Software and Payment Companies, Expanding Their Suite of Embedded Financial Solutions

, a fintech company partnering with software platforms to deliver embedded financial solutions for SMBs, today announced it has expanded its suite of products with the launch of Pipe Business Card

. With the Pipe Business Card, software and payments companies can now launch a new business card program for their customers without managing underwriting, capital markets, fraud, or credit risk on their own. 

77% of SMBs are concerned about capital access

 and 55% of them have reported putting business-related expenses on a personal credit card just to get by

. SMBs need spend management solutions just like mid-market and enterprise businesses have access to today.

The Pipe Business Card is designed specifically for small to medium-sized businesses and is available as an embedded offering for Pipe’s software partners. It’s an SMB-friendly business card with up to 1.5% unlimited cash back

, up to 45 days to pay for day-to-day business expenses, and no annual fees. No personal guarantees or credit checks are required to apply for the card.

A growing number of small businesses are obtaining capital in minutes through Pipe and its partners, based on their business performance, without the traditional lengthy and arduous application process.  The launch of the Pipe Business Card is part of Pipe’s commitment to making capital and financial tools more accessible to SMBs that need them. The Pipe Business Card utilizes the same underwriting model as Pipe Capital, which is based on a customer’s revenue. It integrates directly into the software and payment applications SMBs use day-to-day.  Pipe intends to roll out additional services through its partners over the next 12 to 18 months, such as spend management solutions for SMBs.

Pipe offers software companies numerous advantages when launching the Pipe Business Card to their customers, including:

“In the six months since we launched our 

embedded Capital, Pipe, and its partners, have helped to finance the dreams of tens of thousands of small businesses. We will continue to develop innovative products that remove the friction from their business,” said Luke Voiles, Chief Executive Officer, Pipe. “The Pipe Business Card is the logical expansion of our suite of capital services, and we expect it to have a meaningful impact on our customers, partners, and the overall SMB market.”

 Pipe Business Cards are issued by First Internet Bank of Indiana, Member FDIC, pursuant to a license from Visa ® Inc. and may be used everywhere Visa credit cards are accepted. The Pipe Business Card will be a pay-in-full charge card. Your Statement Balance must be paid in full 15 days after the close of your statement period. Any outstanding statement balance will be automatically debited from your designated payment due date. If a payment fails, your card will be locked and a percentage of your daily sales will be collected until your balance has been repaid in full.

Goldman Sachs 10,000 Voices Survey, January 2024

WalletHub, Small Business Survey, April 2024

Cash Back refers to rewards earned as a percentage discount on eligible purchases.

Pipe launches it's newest product, Pipe Business Card, designed specifically for small to medium-sized businesses and available as an embedded offering for Pipe’s software partners.

Pipe's embedded capital solution is now live in the UK, with their first launch partner, GoCardless. Pipe Capital allows B2B software companies to offering working capital to their customers seamlessly, and makes it simple for SMBs to access the funds they need to grow. 

Pipe makes strategic push into UK through GoCardless partnership

, a fintech company partnering with software platforms to deliver embedded financial solutions for SMEs, and bank payment company 

 today announced a partnership to reshape capital access for UK businesses. Under the partnership, Pipe's customer-friendly capital offering will be accessible via the GoCardless platform, providing simple and seamless capital access for its UK customer base.* 

Over the past several months, Pipe successfully conducted a pilot program with GoCardless in the UK, and the two companies have agreed to formalize their partnership to bring Pipe's customer-friendly capital solutions to the broader UK market.

"Our partnership with GoCardless in the UK market marks a significant step forward in our mission to empower small businesses worldwide with the financing and services they need to grow and prosper," said 

. "By combining Pipe's customer-friendly solution with GoCardless's extensive reach in the UK market, we're revolutionizing how small businesses access capital and providing them with the financial tools they need to thrive in today's dynamic economy."

This collaboration follows the launch of Pipe’s embedded capital offering in the United States in May. GoCardless partnered with Pipe, citing Pipe's impressive pre-approval rate for merchants and its ability to offer capital without personal guarantees. Pipe's solution stands out in the market for its fast, easy-to-access financing, which requires no credit checks. Its flexible top-ups provide similar benefits to a line of credit, and the streamlined user experience results in higher sign-up conversion rates. This approach is particularly crucial for micro-businesses and minority-owned businesses, many of which lack the business history or credit scores required by traditional lenders.

UK SMEs have a range of capital financing needs from growing their business to covering cash flow gaps caused by late payments (a staggering 52% experience late payments) and it’s unsurprising that 1 in 6 are looking for financing.

By embedding capital directly into the applications that SMEs use daily to run their business, Pipe makes it fast and simple to access funding. This allows businesses to secure working capital in minutes based on their performance rather than going through the traditional lengthy and arduous underwriting process. With pre-approval rates well above ninety percent, Pipe eliminates a common friction point often experienced with other lenders, who may show pre-qualified offers only to disqualify applicants later.

Sam Brooksworth, GoCardless customer and Founder/CEO of Remoteli

, shared his experience: "I was thrilled to receive an offer from Pipe through the GoCardless platform because GoCardless is a brand we trust." He goes on to describe Pipe's impact on Remoteli, "Everyone needs a financial partner in their corner to take your business to another level, and that's what Pipe feels like. Rather than feeling like you're owing somebody, Pipe makes you feel like it's a partnership."

Early results from the pilot program have exceeded expectations. Pipe saw attach rates twice as high as benchmark figures. The full product is expected to launch in 2025.

"We're excited to work with Pipe to roll out their capital offering to our UK customer base," said 

Jolawn Victor, Chief Growth Officer, GoCardless

. "Their expertise and support helped us implement a pilot program quickly. Early results have exceeded expectations with almost £7m in capital being advanced to GoCardless customers. Customer feedback has been overwhelmingly positive, with the program achieving an impressive 88 Net Promoter Score. The strong conversion rates from the pilot show there is pent-up demand for this type of financing. We look forward to fully launching this embedded product next year, helping customers tap into new opportunities for growth and expansion while continuing to build their trust and loyalty in GoCardless."

Pipe makes customer-friendly capital & smart financial tools accessible to growing businesses inside the software they use every day. Our embedded solutions are built to scale and give business builders across industries the power to grow on their own terms. To learn more, visit

GoCardless is a global bank payment company. Nearly 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking. GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use data and insights to improve payment success, reduce fraud and, with open banking connectivity to over 2,500 banks, help our customers make faster, more informed decisions.

We are headquartered in the UK, with additional offices in Australia, France, Ireland, Latvia and the United States. For more information, please visit 

. For further information, please contact: 

Pipe's embedded finance solution will be made available through the GoCardless platform to boost capital access for small businesses in the UK.


Pipe brings embedded working capital solutions to UK small businesses though their first UK partner, GoCardless. 

Pipe launching embedded capital in the UK with GoCardless

Pipe is launching embedded Capital in the UK, with launch partner GoCardless. Pipe Capital makes it fast, and simple for software companies to launch an embedded capital product and give their SMB customers seamless access to working capital directly inside their platform. 

How GoCardless and Pipe want to change lending to UK SMEs

How GoCardless And Pipe Want To Change Lending To UK SMEs

Pipe CEO Luke Voiles discusses the future of small business financing with Ali Paterson of Fintech Finance News.

The Future of Small Business Financing – Fintech Finance News Podcast

Pipe CEO Luke Voiles talks with Lex Sokolin of Fintech Blueprint about Pipe's evolution from recurring revenue trading platform to expanding access to working capital for small and growing businesses through embedded products. 

Pipe's Pivot from Revenue Exchange to Digital Lending – The Fintech Blueprint Podcast

The Fintech Blueprint: Pipe's Pivot from Revenue Exchange to Digital Lending, with CEO Luke Voiles

Karen Webster sat down with Luke Voiles, CEO at Pipe, and Thomas Welch, partner at Victory Park Capital, to take a closer look at how embedded capital-as-a-service offerings are disrupting the status quo for SMBs by enabling more frictionless access to capital for businesses traditionally overlooked and underserved by traditional financing options — using transaction data and artificial intelligence (AI) and machine learning to predict risk, and create financing offers. 

Pipe Aims $100 Million at Embedding Working Capital Solutions Into Business Software – PYMNTS

Pipe Aims $100 million at Embedding Working Capital Solutions Into Business Software – PYMNTS

Pipe's CEO Luke Voiles joins Tearsheet editor Zack Miller on the podcast to discuss the firm's move into embedded capital.

From Direct Lending to Embedded Finance: Luke Voiles on Pipe's Evolving Value Proposition – Tearsheet Podcast

Pipe announced its new Capital-as-a-Service offering to serve a wider swath of businesses beyond recurring revenue models to include predictable, charge-based revenue across various vertical markets, stages, and sizes— more specifically, small and medium-sized businesses (SMBs).

Pipe’s Big Small Business Evolution: Embedded Finance For SMBs - Forbes

Pipe’s Big Small Business Evolution: Embedded Finance For SMBs

Embedded finance is having a moment. While those of us in fintech marvel at all the technological innovation enabling its different facets, the reality is that embedded finance is helping people in very real ways.

Pipe announced the launch of their Capital-as-a-Service (CaaS) offering this morning. This new development in embedded finance is going to have a dramatic impact on small businesses all over the country.

Pipe Launches Embedded Capital-as-a-Service for Small Business - Fintech Nexus

Pipe's embedded Capital offering partners with payfacs and software companies to power deployment of over $ 1 Billion to SMBs

Pipe launches embedded Capital to help millions of SMBs access funding through software platforms

the modern capital platform for fast, frictionless, dilution-free funding,

 today announced a significant business expansion to make growth capital available to a much broader range of businesses, including the millions of SMBs that have historically struggled to get traditional financing.

The expansion is powered by the launch of 

, and embedded solution for vertical ISVs and payment companies.  This allows SMBs to access Pipe’s capital offers inside of the software and payment systems they’re already using, and gives partners a new way to monetize payments while better serving their end merchants. Pipe’s new offering supports its mission, funding businesses beyond recurring revenue to include predictable, charge-based revenue across a wide range of vertical markets, stages, and sizes.  

Initial partners in Pipe’s embedded finance program include 

, a leading payments and banking solutions provider that helps businesses take and make payments and monetize payment networks, 

, a leading provider of embedded payments, and 

creator of the client experience platform purpose-built for appointment-based, self-care businesses.  Pipe’s embedded offering already touches over 800,000 merchants, addressing over $100 billion in gross payment volume (GPV), giving Pipe the opportunity to become one of the largest alternative financiers for SMBs.     

“Our mission is to change how any size company manages their money, and offering our customers access to funding through Pipe is a seamless and powerful extension of that mission that will change how they conduct business. I am excited to work with Pipe to unlock growth for every entrepreneur who wants to build a great business," said Thomas Priore, Chairman and CEO of Priority.

To expand the funding available for SMBs, Pipe is partnering with two major capital providers, which collectively enable Pipe to fund more than $1 billion in originations annually allowing Pipe to serve hundreds of thousands of small businesses who currently lack access to capital through traditional channels.

Pipe Capital allows payment processors to easily launch a capital product without the 

complexity, risk, and resources involved in building it in-house.

 Through Pipe’s infrastructure and APIs, partners can embed Pipe’s proven capital offering into their own ecosystem seamlessly, improving merchant experience and monetizing payments in a mutually beneficial way. End merchants can then access capital easily, based on their secure transaction data from the partner platform, bypassing many of the hurdles of traditional financing. This structure has the potential to extend capital access to tens of millions of small businesses through these partnerships, while Pipe’s direct offering also remains available through 

“Many of these small and mid-market businesses have had limited access to traditional capital, which prevents them from growing. There’s a clear need for more speed and accessibility in financial services. Using live transaction data, we can assess the health of these businesses and give them access to capital in a much simpler and more user-friendly way. By partnering with Pipe to offer an embedded capital solution, PayFacs, and ISVs can now give their merchants ongoing access to capital on the platforms they use day-to-day., “

Pipe is the modern capital platform that connects entrepreneurs and business owners to fast, frictionless, dilution-free funding. Pipe turns all forms of revenue into up-front working capital to help companies improve cash flow, scale operations, and grow on their terms. 

Pipe Capital lets software platforms embed fast, frictionless working capital solutions directly into their platforms, so SMBs can access the capital they need exactly when they need it. 

Pipe Launches Embedded Capital-as-a-Service to Make Funding More Accessible to Millions of SMBs

Pipe Launches Embedded Capital-as-a-Service to Help Millions of SMBs Access Funding  Alt: Pipe Launches Embedded Capital-as-a-Service to Make Funding More Accessible to Millions of SMBs 

The Financial Technology Association (FTA) today welcomed Pipe as its newest member. Pipe is the modern capital platform.

FTA Welcomes Pipe, the Modern Capital Platform, to Association  

 as its newest member. Pipe is the modern capital platform, built to connect entrepreneurs, and small and mid-size business owners to fast, frictionless, dilution-free financing, helping them scale and operate on their terms.

“Innovative fintech companies like Pipe provide a lifeline to founders and entrepreneurs who often lack access to financing,” said 

Penny Lee, President and CEO of the Financial Technology Association

. “We are proud to represent fintech companies powering America’s small businesses and advocate for technology's positive role in expanding access to capital.” 

“Pipe’s mission is to empower founders so they can build, and scale their companies on their own terms,” said 

. “We are excited to join the Financial Technology Association’s community of fintech leaders and work collectively to build a more flexible, transparent, and accessible future of finance that better serves America’s entrepreneurs.” 

Pipe is excited to join the FTA to reinforce the story of fintech for good, making capital more accessible by turning future revenue into up-front working capital to help companies improve cash flow and scale operations. By leveraging technology, Pipe provides unbiased access to capital, based purely on a company’s data and the health of its business. In just three years over 23,000 companies have signed up to use Pipe’s platform and 

Pipe has helped fund the growth of businesses in verticals including software-as-a-service (SaaS), 

direct-to-consumer (D2C) subscriptions, and service-based businesses all over the US

The Financial Technology Association represents companies like Pipe that meet the financial needs of founders and small and medium-sized businesses with enhanced access to capital, online payment processing, spend management, accounting, bill pay tools, and other ways to reach new customers. FTA supports policy efforts that improve Main Street businesses' access to capital and other financial services. 

 to learn more about how small businesses are powered by fintech. 

The Financial Technology Association (FTA) is a Washington, DC-based trade association representing industry leaders shaping the future of finance. We champion the power of technology-centered financial services and advocate for the modernization of financial regulation to support inclusion and responsible innovation.

Pipe is the modern capital platform built to connect entrepreneurs and business owners to fast, frictionless, dilution-free financing. Pipe turns all forms of revenue into up-front working capital to help companies improve cash flow, scale operations, and grow on their terms. 

The Financial Technology Association (FTA) today welcomed Pipe as its newest member. 

Pipe, the modern capital platform for fast, frictionless, dilution-free financing, today announced a significant expansion of its senior management team. 

Pipe Strengthens Executive Team as it Prepares to Expand Modern Capital Platform for All Revenue

the modern capital platform for fast, frictionless, dilution-free financing,

 today announced a significant expansion of its senior management team. These additions support the company’s ongoing growth and evolution as the platform for all entrepreneurs to turn their revenue into up-front capital. Namrata Ganatra has been appointed as Pipe’s Chief Product and Technology Officer, Scott Polchleb has joined Pipe as Chief Innovation Officer, Manpreet Dhot as Chief Risk Officer, and Yasmin Moaven, Pipe’s CMO, has been promoted to COO and CMO.

In February, Luke Voiles was appointed CEO of Pipe to scale and expand Pipe’s business, which in just three years has helped fund the growth of businesses in verticals including SaaS, 

direct-to-consumer (D2C) subscriptions and service-based businesses

. Luke has nearly two decades of leadership experience growing technology businesses within innovative industry leaders, including Square Banking at Block, Intuit’s small business lending unit, QuickBooks Capital, and as a distressed asset and credit special situations investor at top-tier funds, including TPG Capital and Lone Star Funds. In his first 90 days at Pipe, Luke quickly identified the proven technology, product development, risk management, and operations experts to help lead Pipe’s continued growth and expansion.

Namrata Ganatra, Chief Product and Technology Officer, is a highly accomplished tech executive with over a decade of experience in fintech, payments, and crypto markets. Prior to joining Pipe, she led Engineering and Product at Autograph, a leading NFT platform, and held senior leadership roles at Coinbase, Meta, and Paypal, where she shaped payment strategy and scaled payment infrastructure to meet the needs of millions of users. She also founded an AI-based e-commerce startup that helped SMBs grow sales across multi-channel e-commerce platforms, which was acquired by Thrasio.

Scott Polchleb, Chief Innovation Officer, is a global design leader who has built and led teams for both start-ups and large tech companies. He was previously the Global Head of Design and Creative at Square Banking, where he led design and strategy across Square Banking and CashApp. He’s also held senior leadership positions in design at Afterpay, WeWork, and Visa. He helped internal partners and clients solve complex problems, pilot projects, and achieve business goals using design thinking and best-in-class product and service design and prototyping.

“I’m excited by the huge opportunities Pipe has to majorly impact alternative and embedded finance across so many industries,” said Ganatra  “The passion and energy of this team, combined with experienced leadership, is going to create amazing outcomes for our customers and shape the way business owners access financing to grow and operate.”

Pipe, the modern capital platform for fast, frictionless, dilution-free financing, today announced a significant expansion of its senior management team.

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