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For many small business owners, the hardest part of running a company is making sure everyone gets paid on time. Cash-flow volatility can turn what seems like a simple task into a logistical puzzle for SMBs. Delayed payments, unexpected expenses, and seasonal spikes all put the most critical line item on the budget at risk. It’s a stress point that’s both financial and emotional – one that Gusto decided to tackle head-on. Enter Payroll Bridge, Gusto’s embedded line of credit powered by Parafin. Launched in September 2025, it weaves funding directly into the Gusto payroll platform SMBs already use each pay cycle. Gusto’s Payroll Bridge won the Best Embedded Finance Product for SMBs at the 2025 Tearsheet SMB Finance Awards. The win reflects a product design rooted in how SMBs think, manage cash flow, and need support at the exact moment it matters. Dan Loomis, General Manager and Head of Product at Gusto Money, explains how Payroll Bridge was conceived and built to support SMBs in their day-to-day operations. Dive into the full interview: https://t.ly/Z3tu5 #Payroll #Payments #SMBs #EmbeddedFinance

Congratulations, U.S. Bank! U.S. Bank earns the Best Bank for SMBs award for delivering an end-to-end operating system for small businesses beyond just banking. Its Business Essentials platform brings checking, payments, and cash-flow tools under one roof, giving owners faster access to deposits, streamlined expense controls, and modern payment acceptance with a free mobile card reader for new accounts. Read More: https://lnkd.in/dJwmAfBF #SMB #Banks #Finance #Tech #AI #FI

Most bank-fintech relationships start strong but struggle to evolve beyond basic services, leaving fintechs trapped between point solutions and the sophisticated infrastructure they need to scale. Cross River's Adam Goller and Best Egg's Bobby Ritterbeck reveal how their 12-year partnership weathered three major market crises and evolved from simple loan origination into complex capital markets solutions, offering a blueprint for fintechs seeking partners who can grow with them. https://lnkd.in/e2ukiwfs

CFOs are abandoning quarterly planning for week-by-week assessments as trade tensions and supplier volatility force short-term thinking over strategic growth. Seamus Smith and Chrissy Wagner of FIS explain how data quality, AI-powered credit risk management, and digital check solutions help finance leaders navigate uncertainty while modernizing their operations. https://lnkd.in/dfZ5DBvJ

Banks dramatically underestimate how many customers share financial data with third parties, and most of it happens through insecure screen scraping. Shane McWilliams of FIS explains why SMBs now expect their banks to serve as central financial hubs and how relationship-first thinking beats product-centric approaches. https://lnkd.in/dT_iTDKv

Consumers want better subscription management tools from their banks. What does this mean for your digital banking experience? Read Mastercard's latest report with FTStrategies. Download here:https://lnkd.in/d5qJVfK3