We’re in the middle of a financing revolution, and most lenders are still playing catch-up.
We’re in the middle of a financing revolution, and most lenders are still playing catch-up.
A recent PYMNTS and Visa report uncovered a staggering insight: 45% of lenders serving small and midsize businesses (SMBs) don’t offer embedded lending. That’s not a small oversight. It’s a sign that traditional lending may be losing touch with the very businesses it’s meant to serve.
At Loanspark, we see this gap not as a problem but as a once-in-a-generation opportunity.
In the same way SaaS reshaped software and Shopify changed retail, embedded lending is redefining how businesses access capital. Instead of applying for a loan after the fact, SMBs can now finance growth, inventory, or equipment right at the point of transaction—when intent, timing, and need align.
And yet, fewer than one in four lenders say they’re interested in launching new embedded products in the next two years. Why the disconnect?
Because legacy systems are slow. Risk models are rigid. And too many lenders are still thinking like banks in a world that runs more like a tech company.
We created Loanspark to solve a problem the industry kept ignoring.
Too many lenders are trapped in legacy systems, offering rigid products through disconnected channels. Meanwhile, SMBs are demanding faster, simpler, smarter ways to access capital. The gap between how lending works and how it should work was only growing.
Michael Barnett saw that gap early. Though his background is in computer science, he became a software developer specifically to build Loanspark, a platform born from firsthand experience in commercial lending and startup leadership. His career in enterprise sales and fintech gives him a rare perspective on modernizing business lending without losing what makes it both personal and profitable.
Loanspark isn’t just another platform—it’s the infrastructure for a new era of lending. In a space crowded with MCA lenders, we meet small businesses where they are—offering not just working capital, but also equipment and real estate financing to help them upgrade their locations, expand operations, and build lasting stability.
We empower:
In other words, we don’t just help lenders adapt. We help trusted advisors become lenders.
While most lenders cite technical, operational, or compliance barriers, here’s what’s really missing: vision. A belief that lending can be embedded in relationships, not just systems. That brokers, marketers, accountants, and platforms, if empowered with the right tools, can be the new channels for capital.
The data makes it clear. 37% of SMBs and 43% of consumers are ready to switch providers for embedded lending. That’s not latent interest. That’s unmet demand.
We believe the next generation of lending won’t be defined by who has the biggest balance sheet but by who shows up at the right time, in the right place, with the right offer.
If you serve SMBs and you’re not offering embedded lending, you’re not just leaving revenue on the table. You’re risking the relationship.
At Loanspark, we’re building the tools that turn service providers into capital connectors and unlocking a better financial experience for the businesses that power our economy.
Because the future of lending isn’t transactional. It’s embedded, intelligent, and relational.
And we’re already there.
Let’s build it together.
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