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Most business owners still think of banks when they need financing. That is quickly changing.
In this episode of the WRAP UP Podcast, I sit down with Jakob Pethick, Chief Commercial Officer at YouLend, to explore why lending is moving directly into the software businesses already use every day.
We discuss how platforms such as Amazon, Shopify, eBay, Stripe, Worldpay and many others are embedding financial products into their ecosystems, allowing merchants to access funding without ever speaking to a bank.
We also dive into:
Why embedded lending is growing so quickly
How YouLend powers lending behind major platforms
Why banks are losing distribution to software companies
The role of AI and machine learning in credit underwriting
How open banking is transforming risk assessment
Why platforms—not banks—may become the primary distribution channel for financial services
The future of embedded finance over the next five years
If you’re building in fintech, banking, payments, SaaS or embedded finance, this conversation offers a behind-the-scenes look at where business lending is heading next.
