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For most small and midsize businesses, financial operations still look a lot like they did a decade ago. Bills get keyed in manually. Receipts pile up. W-9s get chased down at tax time. While the tools have multiplied, the work hasn't gone away. “Most finance teams work in an incredibly manual way,…
Debt consolidation has always rested on a promise lenders couldn't verify. A borrower takes out a HELOC, says they'll pay off their credit cards, and the lender hands over the cash and hopes for the best. Credit bureau data lags by 30 days. There's no mechanism to confirm the debt actually got reti…
Most people leave money on the table every time they swipe — not because they're careless, but because the credit card rewards ecosystem is genuinely complicated. Thousands of cards, millions of merchants, shifting bonus categories, buried benefits. The promise of AI is that it can do that optimiza…
Small business banking has always had a structural problem: the companies that hold your money and the companies that build your financial software have been two different things. One moves the money, the other tracks it, and small business owners are stuck in the gap between them. A new generation…
Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing expectations. I'm Tearsheet's editor in chief, Zack Miller. Fintech just lived through four distinct ages — pioneers, growth-at-all-costs, the 2021-22…
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