Uplinq Financial Technologies

Small Business Lending Myths? We’re Calling Them Out! Think you know everything about small business lending? Think again. It's time to bust some common myths and take a closer look at what really drives success in this space. 💡 Myth #1: SMBs are too risky.💥 Reality: It’s all about the industry, seasonality, and the right data—not just credit scores. 💡 Myth #2: Alternative data doesn’t make a difference. 💥 Reality: Bank statements, POS data, and real-time cash flow insights paint a much clearer picture. 💡 Myth #3: One-size-fits-all lending model. 💥 Reality: Each business is different—industry-specific models are the future. READ THE ARTICLE for the full breakdown of what lenders really need to know. https://lnkd.in/ebVU3xKr

Fair lending is more than a moral imperative - it’s an untapped opportunity. Julie Thurlow, President of Reading Cooperative Bank, reminds us of the financial upside for lenders in enabling access to credit for small businesses. The white paper explores practical strategies and insights from industry leaders to shape small business lending and unlock growth for businesses and communities in 2025. 📥 Download the white paper here: https://lnkd.in/gJTn_QvJ

🌍 Word on the Street: India Edition | Part 1 Today, we take a vibrant, colorful, and diverse turn to India — a country where innovation meets tradition. Meet Saurabh Shourie, founder of Start Smart, a world-class LED manufacturer inspired by the dazzling lights of Times Square, New York, and now delivering cutting-edge LED solutions across the country. In this first part of our conversation, Saurabh shares why he started this business, what sparked his passion, and his on-the-ground perspective on what really drives small businesses forward — and what holds them back. 🌍 Why does this matter? Because the challenges and triumphs small businesses face — whether in India, Brazil, or beyond — shape the way we approach lending. #WordOnTheStreet #SMBVoices #Entrepreneurship #SmallBusinessLending https://lnkd.in/gg6Sa-aY

🔎 How One of North America’s Top 20 Banks Transformed Its Lending Strategy In a rapidly shifting lending landscape, a leading US bank needed to strengthen SBA lending, expand financial inclusion, and enhance risk management—all while boosting profitability. 🚀 The results with Uplinq? 📊 3X better predictive power than FICO & SBSS 📉 53% reduction in high-risk delinquencies ✅ More approvals, stronger margins, smarter growth This isn’t just another case study—it’s a real-world success story of how Uplinq helped a major bank reshape its lending strategy. 📩 Read how we did it.

🚀 Another Major Feature! 🚀 Following our recent Yahoo Finance spotlight, Uplinq’s Head of Product, Abhishek Bhasin, is now featured in Nasdaq! 🏆 In this article, industry experts weigh in on how AI is reshaping small business success—and Abhishek shares why the real power of AI lies in the underlying data and the expertise to harness it. 💡 “AI helps small businesses stay nimble and cut costs, but to truly harness its power, owners must first manage their underlying data effectively—from sales and inventory to customer insights.” 🔍 Read the full feature on Nasdaq to see how AI can give small businesses an edge! #AIForBusiness #SmallBusinessGrowth #Nasdaq #AIInnovation https://lnkd.in/gH9NB-9V

🌍 After covering Toronto, San Francisco, and Hong Kong in our Word on the Street series, we’re coming back to our first stop in Toronto. For Jennifer Jackson, owner of Home Smith Interiors, passion fuels her business—but cash flow? That’s a constant challenge. When Uplinq’s CEO & Founder, Ron Benegbi, sat down with her, she didn’t hold back: “I have no relationship with a bank. They won’t touch me because I’m not the customer they’re looking for.” Instead, she built her business using personal credit and savings—until Shopify Capital became her lifeline. “The ease, the simplicity, and just how fast it is—it’s been one of my saving graces.” No applications, no delays—just fast, accessible capital when small businesses need it most. What makes this conversation stand out? Jennifer, a female entrepreneur with over a decade of experience, shied away from nothing. Her story is raw, real, and a testament to grit, resilience, and unwavering belief. 💡 A shoutout to Shopify Capital for supporting small businesses with funding that is quick, simple, and designed for their needs. 📺 Watch the full conversation now. https://lnkd.in/gPch5pav

We spoke with Ron Benegbi, CEO of Uplinq Financial Technologies, about their unconventional approach to transforming small business lending. Here are the key go-to-market lessons from their journey: → Invert the trust equation. Rather than asking banks to trust them, Uplinq tells institutions "Don't believe any fintech. All fintechs are liars." Then they prove value through historical data validation. This counter-intuitive approach accelerated enterprise sales cycles. → Find the impossible mandate. Uplinq discovered banks were under "tremendous pressure to grow business books but not allowed to change risk models." By solving this specific conflict, they created an urgent value proposition. → Work within constraints, not against them. Instead of pushing banks to change credit models, they showed how to achieve growth goals within existing frameworks. One lender went from 95% rejection to 70% approval while maintaining standards. → Turn compliance into catalyst. By building solutions that anticipated Section 1071 Frank requirements, they transformed regulatory pressure from barrier to sales accelerant. → Expand the data lens. Uplinq went beyond traditional financials to analyze "the entire ecosystem around the small business" - including foot traffic patterns and community data. This created new signals within existing credit frameworks. → Make proof irrefutable. Every potential customer goes through a proof of concept using 3-5 years of their historical data. They only ask for commitment after demonstrating clear value within the institution's own system. These insights from Uplinq show how challenging industry assumptions while respecting institutional constraints can drive rapid enterprise adoption. Listen to the full conversation with Ron Benegbi on Category Visionaries to learn more about their approach to transforming financial services here: https://lnkd.in/e6tEDneq #B2B #Enterprise #Fintech #Innovation #StartupLessons

🚨 Exciting News! 🚨 Uplinq has been shortlisted as a finalist for the Banking Tech Awards in the Best SME LendTech Solution category! 🎉 This is Uplinq’s third consecutive year being recognized by these prestigious awards—what an achievement! 🏆 We’re thrilled to be in such great company alongside fellow finalists Abrigo, Amount, Biz2X, and SellersFi. 📣 Join us in celebrating this milestone! #BankingTechAwardsUSA https://lnkd.in/gzqatTuy

The Next Turn: The Reality of Accessing Capital for Small Businesses In Part 1, we got a glimpse into the everyday hustle of a San Francisco barber and entrepreneur, Josh. Now, in Part 2, the conversation takes the next turn—a challenge most small business owners know all too well: access to capital. 💬 “You need money to grow, but getting that money? That’s the hardest part.” From navigating traditional loan options to the reality of financial barriers, Josh shares his personal experience of trying to secure funding for his salon. 📺 WATCH PART 2 OF THIS CONVERSATION NOW! https://lnkd.in/gncv7aC6