Embedded SMB Financing: How YouLend and WorkWave Are Scaling Capital Inside SaaS

Описание: Why are SaaS platforms becoming the main gateway to capital for small businesses?

At Money20/20 USA 2025, Ted Kirk from YouLend and Jacob Olins from WorkWave discuss how embedded SMB financing is reshaping access to capital for millions of small businesses.

WorkWave supports field-service industries such as pest control, landscaping, cleaning, and security, giving operators the tools to run their businesses day to day. Olins explains how WorkWave’s fintech strategy evolved from payments into capital access — with a clear rule: keep financial tools contextual and precise, without distracting from the core software mission.

The conversation dives into lessons learned from earlier embedded-capital launches, where low-confidence approvals damaged trust. By partnering with YouLend, WorkWave embedded financing directly into its platform, delivering high-confidence offers, smooth onboarding, and strong operational support — resulting in a four-fold increase in uptake.

Kirk explains how YouLend’s move to universal revenue financing expands eligibility by underwriting across all revenue sources — not just card payments — including ACH, bank transfers, checks, lockbox deposits, and recurring invoices. For vertical SaaS platforms and the SMBs they serve, this means more businesses qualify for capital and offers become meaningfully larger.

As embedded finance matures, both speakers agree on the direction of travel: SaaS platforms will increasingly act as the primary financial access point for SMBs, pairing vertical expertise with scalable fintech infrastructure to deliver capital seamlessly and on demand.

This interview is essential viewing for SaaS founders, fintech builders, SMB lenders, and product leaders focused on embedded lending and growth.

Explore the complete conversation with YouLend and WorkWave on embedded SMB financing, universal revenue underwriting, and how SaaS platforms are redefining access to capital :
https://ffnews.com/fintech-tv/event/e...

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