Running a restaurant means juggling everything from payroll and inventory to equipment repairs and seasonal slowdowns, all of which impact your finances. Traditional financing just can’t keep up with the speed and agility required in this industry. What do you do when a bank loan takes a month but the lunch rush starts at 11? When a failed piece of equipment can cause you to lose revenue for days?    

That’s where embedded capital access comes in: a faster, smarter way for restaurants to get the funding they need, built right into the software they already use every day.

In this article, we’ll break down what embedded capital access is, how it works for restaurants, and what to consider before using it, whether you’re a restaurant owner or a software platform serving the industry.

Embedded capital access means financing is directly integrated into the tools restaurants already rely on, like POS systems, online ordering platforms, or back-of-house software. Instead of filling out lengthy applications at a bank, restaurant owners get 

 inside their existing dashboards, based on real-time sales data.

Here’s what it looks like in practice: your POS or ordering platform is already tracking ticket sizes, daily revenue, and seasonal patterns. Instead of exporting reports for a banker, that same data powers a funding offer that appears in your dashboard. A few clicks to accept, no paperwork, no waiting weeks. Payments adjust automatically with sales, rising during a busy weekend and shrinking on a rainy Tuesday.

It’s funding that moves at the speed of your kitchen.

Why restaurants are turning to embedded financing

Restaurants need cash flow to survive. A packed Saturday can be followed by a slow week, and that variability makes banks nervous. They prefer pristine credit scores, extensive documentation, and steady revenue patterns; things many independent operators can’t provide.

Embedded finance, including working capital, opens access to a much wider pool of restaurants, because it doesn’t require them to fit in the same box in order to be funded. Small restaurants, recently opened businesses, and those with uneven sales may never be able to get a bank loan, but embedded capital that’s based on live revenue data can flex to fit their exact needs, both in terms of approval and payments. Another big issue for many restaurant owners is 

 not only to open their restaurant, but also to continue operating. This is another problem solved by embedded capital, which not only opens doors for more restaurants but can be pre-approved with no credit pulls or personal guarantees, which can put restaurant owners in a precarious spot. 

When your software sees the same dips and surges you do, it can help you access capital on terms that actually make sense.

This model is commonly known as a merchant cash advance or revenue-based financing. When everything is humming, you pay faster. When it’s slow, your payments shrink to preserve your cash flow. It matches the ebb and flow of restaurant life.

The big benefits for restaurant operators

Instead of chasing capital, it shows up where you work, in the systems you log into every day.

When to use embedded capital (vs. other financing)

Embedded capital isn’t a one-size-fits-all solution, and that’s a good thing. It’s designed to solve the urgent, everyday funding challenges restaurants face, not to replace every type of financing.

And for many, bank loans aren’t on the menu and embedded capital can fill the gap, even for a  bigger investment like opening a new location (like the owners of 

How vertical restaurant platforms benefit

It’s not just restaurant owners who win with embedded capital. Software platforms that serve the industry—from POS providers to delivery apps—are discovering it can be a powerful growth lever. We call it fintech for the win/win (#FFTWW)

By offering capital directly inside their tools, platforms can:

In other words, embedded capital turns software from a back-office utility into a front-line ally helping restaurants not just operate, but thrive.

Capital from Uber Eats: a powerful example in action  

One of the best things about embedded solutions like we’re talking about is that they can be tailored to provide bespoke tools for each vertical industry. Whether you provide home services, personal care, or in this case, operate a restaurant, your revenue patterns and needs will look different. We’re able to customize the underwriting approach for each vertical to optimize eligibility and cost of capital in each. 

Uber Eats is a great example of how embedded capital is delivering hot, fresh capital directly to restaurants. After all, a line out the door is great on opening night…but at the bank, when you’re looking for funding to grow your restaurant, not so much. 

We recently announced an integration with Uber Eats

 to power financial tools like working capital inside the Uber Eats Manager dashboard. When restaurant owners are monitoring their business performance—and realizing they need

working capital—they can see available offers in real time.

The shift toward embedded capital is just the beginning. As more restaurant technology platforms add financial tools, operators will expect financing to be a standard feature, just like online ordering or payroll integration.

In the years ahead, applying for a bank loan may feel as outdated as balancing the books by hand (green sunshade and all). Financing will simply be another part of the restaurant tech stack; always available, tailored to your sales patterns, and aligned with how you actually run your business.

It’s financing built directly into restaurant software (like POS or delivery platforms), offering pre-approved funding based on real-time sales data, no paperwork or bank visits required.

How is embedded capital different from a bank loan?

Bank loans often require credit checks, collateral, and weeks of approval time, and typically have a fixed repayment that can hinder you in slow periods. Embedded capital is fast, based on your sales data, and flexes with daily revenue patterns.

What can restaurant owners use embedded capital for?

Common uses include equipment repairs, inventory purchases, marketing campaigns, seasonal staffing, or bridging short-term cash flow gaps.

Does embedded financing affect my personal credit?

Offers are based on your restaurant’s performance data, not your personal credit history or guarantees.

How do platforms benefit from offering embedded capital?

Software providers benefit from offering capital because it adds a new revenue stream, keeps customers engaged and happy, helps grow sales volume on the platform, and positions them as true growth partners.

Final thoughts: smarter capital for a fast-moving industry

Embedded capital access is transforming how restaurants fund their operations. It’s not a silver bullet, but it’s a powerful new option, faster, more flexible, and more aligned with how restaurants actually run.

For operators tired of jumping through hoops at the bank, this type of funding offers something better: capital that moves at your speed, shows up where you work, and flexes with your reality.

Use it wisely, and it could be the difference between barely scraping by and investing in what’s next.

Embedded finance is making it easier than ever for restaurants to access the capital and tools they need to grow.  

See how fintech is powering restaurant growth with financial tools embedded in vertical platforms. 

Embedded capital access for restaurants

Embedded capital access for restaurants: a smarter way to fund growth

There are more than 33 million small businesses in the U.S. Nearly 80% have fewer than 10 employees, and more than half say they have no access to credit. That leaves millions of business owners funding their week-to-week operations and long-term growth the only way they can: with personal credit cards and savings.

Not only is that stressful. It’s dangerous.

The hidden cost of putting it all on your card

Buying a few supplies on your personal card? Probably no big deal.

But when that card becomes the fallback plan for keeping the lights on, covering payroll, or investing in growth, the toll adds up fast.

Financially, it’s limiting. Personal cards come with lower limits and much higher interest rates than capital designed for businesses. Say you need $50,000 to expand your services or buy inventory, but your card taps out at $12,000. That opportunity? Gone.

Using your personal credit for business is risky. Maxing out your card or even carrying a high balance can wreck your personal credit score. That makes it harder to qualify for a mortgage, refinance your home, or secure future business funding. And you might not even realize it’s happening until you’re denied something completely unrelated.

It also muddies the waters. When you use personal credit to cover business expenses, it becomes harder to separate what’s deductible and what’s not. Come tax time, that can lead to missed write-offs, messy audits, or worse, unintentionally overstating your deductions.

co-mingling personal and business finances

 puts more than your credit score at risk. It can expose your personal assets, complicate your bookkeeping, and make it harder to track how your business is really performing. What feels like a quick fix in the moment can create long-term headaches when it comes to taxes, liability, and financial clarity.

How credit cards trap small business owners

Credit cards are convenient. Until they’re not.

You don’t need approval. Minimum payments are low. So you swipe and tell yourself you’ll pay it off next month.

But then something else comes up. And the balance rolls over.

Before you know it, you’re paying interest on last year’s emergency and this year’s too. That’s the trap. The interest compounds. The payments stretch on. And the real cost of what you bought quietly doubles.

 can be a better option. They typically offer lower rates and fixed terms.

But qualifying is hard, especially if your business is new, seasonal, or doesn’t have perfect credit. Even when you qualify, the payments are fixed. That’s great when cash is flowing. But when it’s not, that fixed payment can choke your cash flow and force hard decisions.

That’s why so many small business owners default back to personal credit. Not because it’s smart. But because it’s the only door that opens.

A better option: capital that works with your business

You shouldn’t have to fund your business with a credit card designed for groceries and gas.

Instead of a revolving balance with compounding interest, Pipe offers a fixed fee that’s transparent from the start. No surprises. No penalties. And unlike traditional loans with rigid repayment schedules, your payments flex with your revenue. They rise and fall alongside your business, not against it.

That means when things are slower, your cash flow gets breathing room. And when business is booming, you can pay it down faster. Either way, you stay in control.

It’s capital that actually works for how small businesses operate.

You’ve made it work so far. That’s no small thing. But making it work shouldn’t mean maxing out your credit card or carrying that stress alone.

For many small business owners, personal credit has been the only credit they could access. Here's why that's a problem and how to fix it. 

Swiping a credit card while a bunny looks on

Using personal credit to grow your business is risky, but for some, it's the only credit available. Here's why it matters and how embedded capital can help. 

The danger of funding your business with personal credit

For small businesses, access to capital can still feel like a closed door. Traditional financing is slow, rigid, and often not built for the day-to-day realities of modern entrepreneurs. At Pipe, we’re changing that, by embedding capital access directly into the software platforms SMBs already use to run their businesses.

One of the clearest examples of that impact? Swella Braid Bar.

Swella is a fast-growing self-care brand founded by 

, with locations in Atlanta and Charlotte. Like many entrepreneurs, they hit a familiar wall when seeking funding to open their next location. Banks asked for tax returns, collateral, and credit history, but offered little flexibility.

The breakthrough came from an unexpected place: their existing booking and payments platform, 

Boulevard is purpose-built for appointment-based self-care businesses like Swella. Earlier this year, it launched Boulevard Capital, a native funding experience powered behind the scenes by Pipe. The result: a fast, seamless way for Boulevard’s customers to access capital offers based on real-time business performance, no paperwork or credit checks required.

Swella used that offer to open their newest location in Charlotte.

This is how embedded capital literally opens doors for SMBs: aligned with how businesses operate, designed for ease, and delivered at the moment of need.

From integration to impact: Boulevard + Pipe by the numbers

Boulevard Capital went live in early 2024 and has since advanced over $25 million in capital to self-care businesses.

Behind the scenes, Pipe’s infrastructure makes it easy for partners like Boulevard to embed capital directly into their workflows. Our approach requires minimal lift from engineering teams, while opening up meaningful new value for both platforms and their customers.

Small businesses drive nearly half of U.S. GDP but are consistently underserved by 

. That gap is even more pronounced for women- and minority-owned businesses, which make up a significant portion of the self-care industry.

By embedding capital access where entrepreneurs already work, Pipe and our partners are helping to change that, making funding faster, fairer, and more accessible to the businesses driving our economy forward.

For a closer look at how Pipe and Boulevard powered Swella's expansion, check out the story here:

Embedded capital opens doors, literally. See how Swella used Pipe-powered funding through Boulevard to grow into a new market.








Swella used embedded capital via Boulevard and Pipe to unlock fast, flexible funding. No paperwork, just growth. See how this model is reshaping SMB finance.

Powering possibility: how Pipe and Boulevard are funding the future of self-care

They don’t chase venture capital or go viral on LinkedIn (yet).

They just show up, every day, and build something that matters.

Small businesses are an essential part of our communities. They keep the water flowing, keep us fed, and keep the culture alive. They fix what’s broken, serve what’s needed, and carry big dreams in small packages.

But building something from scratch takes more than passion. It takes resilience, sacrifice, and at key moments, the right support.

, we’re shining a spotlight on entrepreneurs who’ve brought their vision to life and are growing it to share with their communities in a big way. 

Different industries. Different stories. One powerful thread: the drive to keep going, and the courage to grow.

Jake Miller - Ridgeline Well & Pump - Vale, North Carolina

Jake didn’t grow up dreaming of running a well and pump company. In fact, he didn’t expect to be rebuilding his entire life in his 20s.

After a car accident ended his military career and left him learning how to walk again, Jake was forced to reimagine his future. Years later, when his home’s water system failed, he leaned on the skills he’d learned serving his country—logic, problem-solving, mechanical instinct—and tried to fix it himself.

But the process led him to a local contractor. That call turned into a job offer. That job became a trade. And eventually, that trade became a calling.

 in 2023 with little more than grit, a few pieces of equipment, and $15,000 in cash. From the beginning, growth was a game of leapfrogging jobs; using income from one to fund the next. Banks wouldn’t lend. He didn’t have a credit score. He kept showing up anyway.

When the opportunity came to access capital through one of the tools he already used on the job, field services management platform 

, it changed the equation. He bought an additional truck and expanded his service area.

Now, Ridgeline is approaching its two-year mark. Jake is hiring, scaling, and earning the recognition that comes from being the guy who shows up, rain or shine, and makes it work.

Watch Jake’s story to see how he’s growing Ridgeline.

Brooke Hill & Zanbria Asante - Swella Braid Bar - Atlanta + Charlotte

 on a whim. They built it because they couldn’t find what they needed.

Reliable, high-quality hair braiding services for textured hair were hard to come by, and they knew they weren’t alone in that experience.

What began as a pop-up salon during business school quickly turned into something much bigger. In just five weeks, Swella’s pilot brought in over $10,000 in revenue and validated a deep, underserved need in the market. From there, they raised initial funding, opened their first location, and got to work building a one-stop braid bar that prioritized care, consistency, and efficiency.

As demand grew, they began thinking seriously about what it would take to scale. But when they started exploring traditional financing options, the numbers didn’t add up. High interest rates and personal guarantees made the path to expansion feel out of reach.

Then, they logged into their salon software, 

, and saw a capital offer that was aligned with the realities of their business; flexible, fast, and built for growth.

With capital available, Swella opened its second location in Charlotte. But their vision doesn’t stop there. They’re creating a blueprint that other braid entrepreneurs can follow to grow confidently and sustainably.

Because for the founders of Swella, hair care is more than a service. It’s culture. It’s community. It’s a platform for empowerment. In Brooke’s words, “Hair care is like healthcare.”

Watch the full story to see how Swella is transforming hair care for their community.

Olajide Olaolorun - Verdure Kitchen - Atlanta

Olajide didn’t just want to open a restaurant, he wanted to create a space that told a story. Alongside his co-founders, he built 

 as a tribute to their African heritage, blending bold traditional flavors with modern fine dining in the heart of Atlanta.

Every plate was meant to feel intentional. Every detail designed to honor where they came from, and where they were headed.

But vision alone isn’t enough to open a restaurant. Verdure was funded with personal savings, long hours, and a deep belief in what was possible. From day one, they faced the pressure of managing vendors, covering payroll, and keeping the dream alive, while delivering an experience that lived up to their mission.

When a capital offer arrived through their payment processor 

, with payments that flexed with their revenue, it gave the business breathing room. No rigid terms. No drawn out approval process. Just space to grow at their own pace.

Today, Verdure draws a loyal and growing customer base, each visit a celebration of culture and care. And for the team at Verdure, this is only the beginning. There are more stories to tell, and more tables to fill.

Watch the full story to see how Verdure is elevating African cuisine, and building something unforgettable.

Each of these founders had a different path, a different passion, and a different plan for growth. But they shared one thing: the courage to start.

In moments where traditional financing failed them, or simply wasn’t built for their reality, they found capital that was fast, flexible, and embedded in the tools they use to run their business.

It’s not just about funding. It’s about freedom. The freedom to take the next step, make the next hire, open the next door.

Want to meet the entrepreneurs behind these stories, and more like them?

 for more stories of small business owners with big dreams who are building something bigger. 

Meet three small business owners turning grit into growth, with vision, community, and embedded capital that works for them.

Meet the entrepreneurs behind Ridgeline, Swella, and Verdure; three small businesses turning passion into progress with grit, community, and capital.



Small Business, Big Dreams | See how grit + embedded capital = growth for these SMBs

Small Business, Big Dreams: meet 3 entrepreneurs turning vision into reality

Here's why mixing business and personal expenses can mess up more than your bookkeeping

Picture this: You’re a small business owner juggling multiple roles, and in a pinch, you use your personal credit card to cover an urgent business expense. It feels harmless, but this simple decision can have a bigger impact than you may realize. Mixing business and personal finances doesn’t just stress out your bookkeeper—it can also lead to significant tax, financial, and even legal issues. Let’s explore why keeping business and personal finances separate is crucial and how it can impact your business in unexpected ways.

The importance of keeping business and personal finances separate

Maintaining a clear distinction between personal and business finances is essential for small businesses, especially those structured as LLCs or corporations. One of the primary benefits of these structures is limited liability protection. This protection safeguards your personal assets from business debts and liabilities. However, if you commingle your funds, you risk "piercing the corporate veil," a legal term that means the courts could hold you personally liable for your business’s debts. Mixing funds can undermine that legal protection, exposing your personal assets to business liabilities.

Tax season can become a nightmare when personal and business expenses are mixed. For one, it complicates your tax filings, making it harder to track and document deductible business expenses. This not only increases the risk of inaccuracies in your tax returns but also raises the likelihood of an audit. Incorrect filings can lead to penalties, fines, and additional interest charges, which could otherwise be avoided with proper expense management.

When personal and business expenses are mixed, it’s easy to overlook legitimate business deductions or mistakenly claim personal expenses as business ones. This jeopardizes your tax compliance and often leads taxing bodies like the IRS to disallow deductions out of a lack of confidence that they are truly business expenses, which can be very costly.

Maintaining separate finances enhances your business’s credibility. Banks, investors, and vendors often scrutinize your financial records before entering into partnerships or granting credit. A clean separation between personal and business finances signals that you manage your business professionally and responsibly. This can lead to better financial opportunities and terms and a stronger reputation in your industry.

Fun fact: Bookkeeping is the only word in the English language with three pairs of double letters in a row. Less fun fact: bookkeeping exists and it's something small business owners need to think about. While commingling doesn’t 

impact your bookkeeping, that’s definitely a major area of impact. This is the stuff of nightmares for bookkeepers and accountants! 

When personal and business expenses intermingle, bookkeeping becomes a daunting task. It becomes challenging to track the financial health of your business, leading to messy, inaccurate records. This disorganization can affect everything from financial statements to budgeting and forecasting, ultimately making it harder to make informed business decisions.

Mixing funds can muddle your cash flow management, making it difficult to track your business's true cash inflow and outflow. This confusion can lead to liquidity issues, where you might not have enough cash on hand to cover operational expenses or unexpected costs. Clear and accurate cash flow management is crucial for maintaining financial stability and planning for growth.

Should your finances be audited, having mixed personal and business expenses will complicate the process. Tax authorities will scrutinize your financial records more closely, leading to a time-consuming and stressful audit experience. Clear, separate records can streamline the audit process and minimize potential issues.

Clear financial records are essential for accessing financing and attracting investors. If your financial statements are unclear or inaccurate due to mixed expenses, it may hinder your ability to secure loans or investments. Investors and lenders seek transparency and accuracy, and commingling funds can undermine their confidence in your business. 

While many businesses struggle to assemble the financial documentation to access financing, Pipe simplifies the process. With underwriting based on revenue rather than piles of paperwork, Pipe makes it easy for small and growing businesses to access working capital exactly when they need it.

The benefits of keeping finances separate

Tax preparation becomes more straightforward when business and personal finances are kept separate. You can easily track and categorize business expenses, capturing all eligible deductions and excluding personal expenses. This simplification reduces the risk of errors and potential audits.

Separate finances provide a clearer picture of your business’s financial health. Accurate records allow for better budgeting, forecasting, and financial analysis. This clarity helps you make informed decisions and plan effectively for the future.

When it comes to valuing your business for potential sales, mergers, or investments, clean and accurate financial records are essential. Investors and buyers look for transparency and well-maintained records, and separating finances enhances the value and appeal of your business.

Practical steps to keep business and personal expenses separate

One of the simplest and most effective ways to separate your finances is by maintaining distinct bank accounts and 

. This clear separation makes tracking business transactions, managing expenses, and preparing for tax season easier.

Create and enforce policies regarding what constitutes a business expense. Clearly define guidelines for what expenses are allowable and ensure that all employees adhere to these policies. This helps prevent accidental mixing of personal and business expenses.

If personal funds are used for business expenses, it’s essential to document these transactions thoroughly. Ensure timely reimbursement and maintain detailed records of the reimbursement process. This documentation helps keep your financial records clean and accurate.

Keeping your business and personal finances separate is more than a matter of neatness—it’s crucial for protecting your business’s legal and financial health. By avoiding the pitfalls of commingled expenses, you safeguard your limited liability protection, ensure accurate tax filings, and maintain a professional image. Take immediate steps to separate your finances and consult a financial advisor or accountant to tailor a solution that fits your needs.

For small businesses, commingling business and personal expenses can be a costly mistake. Here's why, and what you can do about it.

Commingling business and personal expenses can increase your tax bill, impact your decision-making, and put your personal assets in jeopardy. Here's why, and what you can do about it.

Why mixing business and personal expenses can mess up more than your bookkeeping

Here’s why mixing business and personal expenses can mess up more than your bookkeeping

5 spend management tools and strategies to improve your SMB’s profit margins

Many SMBs face challenges managing their spending effectively, which has a direct impact on their profit margins. While larger corporations have access to spend management tools and have had processes in place for years, many of these resources have not been available or have been too cost-prohibitive for smaller businesses. Without proper controls in place, expenses can quickly spiral out of control, cutting into profitability. 

Here, we’ll outline five spend management tools and strategies SMBs can implement today to better control their spending and improve their bottom line. From leveraging 

 to implementing budgeting tools, these strategies can help you take control of spending and manage your expenses in the most profitable way possible.

A solid budget is the backbone of any business’s financial plan. Some business owners bristle against a budget, seeing it as a restrictive money diet that tells them how to spend their money. In reality, 

 and ensure resources are allocated toward initiatives that drive growth–putting those resources toward what you actually want to accomplish rather than whatever pops up as urgent at the moment.

Forecasting tools help SMBs predict future financial trends and adjust their budget accordingly, keeping their spending aligned with business goals. By forecasting future revenue, for example, you’ll know how much you can invest in growth and identify any shortfalls where you may need to secure working capital. 

A realistic budget should be based on historical data and projected revenues. Rather than starting from wishful thinking, determine how much you currently spend in each category, determine how future trends and growth will impact your available funds, and decide which areas of spending may need to increase or decrease. This exercise can be eye-opening, as you may be unaware of how much certain items are costing you or where your profits are leaking out if you haven’t had a visible budgeting process. 

You can create a budget with the tools built into your accounting system or a purpose-built tool like Float. Many vertical platforms–like 

 for restaurants–have built-in budgeting tools. 

Budgeting tools allow you to track actual performance against your budget, highlighting any deviations and helping you make informed adjustments. Staying within budget prevents overspending, while accurate forecasting helps avoid cash flow shortfalls. Both practices make you more aware of your financial position, helping you increase profit margins and improve cash flow.

2. Implement a clear expense approval process

Without a defined expense approval process, unnecessary spending can get out of control, particularly in growing businesses with multiple employees making purchasing decisions. This can lead to overspending, impacting the company's budget and profit margins. 

Keeping spending in check and ensuring that you stay on budget requires controls around who can spend money for the company, how much, and on what items. 

An example of these kinds of controls would be setting a dollar limit on travel expenses (which could vary by card depending on the needs of the individual employee) and requiring that expenses over a certain dollar amount require approval from the business owner. Clearly outlined policies prevent ambiguity, and consistent enforcement ensures that all expenses are properly vetted before being made.

A clear policy helps you stay within your budget by preventing unnecessary or unauthorized expenses. As your company grows–along with the number of employees who need to make purchases–this process prevents the owner or CEO from having to have a hand in every single transaction. This results in better cash flow management and improved financial oversight.

An integrated accounting system connects your spend management tools directly to your financial reporting. This not only offers a full financial picture but also saves time and reduces errors. With an accounting system like QuickBooks or Xero, business owners can automate the categorization of expenses, issue faster invoices, and streamline tax reporting.

By automating processes, businesses reduce the likelihood of mistakes that can lead to financial discrepancies. This accuracy helps identify cost-saving opportunities that might go unnoticed, such as overspending in certain categories or workflow inefficiencies.

Real-time reporting also provides insights into cash flow, enabling businesses to respond swiftly to challenges. With immediate access to accurate financial data, you can make informed decisions about spending and investments, which is crucial for maintaining healthy profit margins.

4. Leverage early payment discounts and flexible payment terms

Many vendors offer discounts if you pay their invoices early. For example, a 2% discount for payments made within ten days can significantly reduce the cost of goods over time.

Some vendors will also let you negotiate longer payment terms, 

 and providing financial relief. By extending the due date for payments, you can retain cash for longer periods, giving you more flexibility to cover other expenses or invest in growth opportunities.

Discounts and flexible terms help lower the cost of goods sold (COGS) and improve cash flow, enabling SMBs to free up capital for other strategic initiatives that increase profitability. While some vendors are happy to work with you on terms and offer discounts, there’s another way to gain these benefits, even when vendors aren’t offering them: business charge cards. 

5. Business charge cards for spend tracking and management

Many SMB owners lack access to working capital and rack up high interest payments using personal credit cards to fund growth. 

 are powerful financial tools designed to help businesses access working capital without costly interest while also tracking and managing expenses. Unlike credit cards, they’re paid in full each billing cycle, so no debt is accumulated, and no interest is paid. 

Charge cards clearly distinguish between personal and business expenses, making it easier to generate detailed spending reports for tax preparation and auditing purposes. Their built-in expense tracking capabilities allow businesses to see exactly where their money is going, ensuring greater transparency across the company.

Business charge cards offer rewards like cash back, flexible payment terms, and streamlined expense reconciliation. These features allow you to access working capital when you need it to smooth out bumpy cash flow, take advantage of early payment discounts and other time-sensitive offers, and create your own flexible payment terms with vendor bills.  

Effective spend management is critical for SMBs looking to boost their profit margins. By using tools like business charge cards, implementing budgets and approval processes, integrating accounting systems, and leveraging vendor discounts, you can improve your business’s financial health and better manage cash flow.

Learn five spend management strategies to help your small business reduce costs and improve profit margins.

5 Spend Management Strategies to Boost Your SMB’s Profit Margins

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

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).

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