From simple vendor to true business partner
Flexible credit and spend management solutions embedded anywhere
The challenge
Providing needed capital to SMBs quickly
Businesses today must continue to evolve—rapidly—in order to always meet the changing needs of their customers. But without access to the capital required to fund that evolution of their business, 82% of them fail because of poor cash flow management. Here’s what they’re seeking now.
Easier access to capital
SMB customers need to cover day-to-day expenses, supply inventory, and grow the business
Stronger credit profiles
Business customers need good credit, but don’t have time to build it—they need capital now
Better spend management
Managing overspend, tracking expenses, and minimizing the risk of fraud is hard and cumbersome
Employee spend enablement
Employees need to make business purchases, and employers need to ensure that spend is appropriate
The Solution
Get more value out of business spend with embedded finance
Create a stickier value proposition, issue cards at scale, offer customized financial products, and create revenue-generating opportunities for your business customers—all with embedded finance.
Build Loyalty
Transition from a vendor to a valued business partner by leveraging your customer insights to extend a line of credit—elevating spending power and fostering growth
Differentiate Yourself
Expand your product ecosystem and meet the unique needs of business customers with an intuitive user experience, granular controls, and account hierarchies that put your customers in control
Accelerate Acquisition
Tailor rewards and incentives that resonate with customers, establishing a value proposition that drives acquisition and sustains long-term engagement
Grow Revenue
Expand revenue-generating opportunities by embedding commercial financial solutions that can drive profit for your business
Why now
Businesses rely on access to capital for growth. Embedded finance delivers it.
A lack of access
70% of small businesses report difficulty accessing capital, and 76% say that difficulty accessing affordable capital has negatively impacted their business 1
Card issuers have a growing market opportunity
41% of SMBs say corporate credit cards are the financing source they will most likely to use in the next year 2
SMBs rely on access to credit for growth
Credit cards are the most common source of business financing, followed by working capital loans and merchant cash advances
Businesses want to control their own futures
Commercial credit solutions with customizable features, fine-tuned controls and the ability to instantly adjust card programs in real-time give businesses more power to control their own futures
Why Marqeta
Our proven solutions
Get greater growth
Help your customers boost their spending power and growth with embedded commercial financial solutions directly within your platform.
Use better tools
Faster applicant decisioning, customizable features, fine-tuned controls and the ability to instantly adjust your card program in real-time.
Build loyalty
Launch a commercial credit offering that includes end-to-end rewards management, accrual, ledger, and redemption.
You don’t need to have all the answers. Let’s figure it out together.
Let us help you see if these are the right solutions for your customers. Embedded finance solutions can seamlessly integrate with your platform to help business customers access the capital they need to accelerate their growth. And we can help you figure out how to best support them.
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© 2024 Marqeta, Inc. 180 Grand Avenue, 6th Floor, Oakland, CA 94612