There's definitely some areas of overlap in that we're both offering the ability to add financing to a use workflow. Some differences are that we're focused on small business while Klarna is focused on consumer. Another is that they're focused on a consumer checkout process with a buy now pay later product.

While you could certainly create that type of product on Lendflow, it's not limited to just buy now pay later. There's a much broader set of funding products you can build and user workflows you can integrate them into.

Klarna is consumer focused.