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Those are companies providing consumer loans placed in a ecommerce checkout workflow.

We're focused on business funding options placed in a broader set of workflows. Think lending services in workflows based around payments, procurement, invoicing, ect.

so is this more of a cashflow tool? you guys are an in-app float?

You can do that, we have several customers launching a product for this purpose.

You can also build services for a broader set other use cases. Including financing purchases like inventory, equipment, supplies, inventory, real estate, ect. Or just more general purpose funding, it just depends on the user base and their needs.

AFAIK those players are all consumer lending services. Ie, I want to buy a Peloton, and spread it out over 36 monthly payments.

This sounds more like business short term lending. Ie, I have 100k in orders, but need 20k to buy materials up-front. Or I have 100k in outstanding payments due in 30 days, but I'd rather get 95k right now.

that's right!

The description makes it sound like this is lending to businesses, not consumers.