Small businesses are more than 40% of the US economy, but get around 4% of the capital lent out by big banks. At Money20/20 our Chief Product Officer Claurelle Rakipovic joined the Disruption is Now podcast, to talk about how Pipe uses AI and smarter underwriting to address this massive capital shortfall: not just because it is the right thing to do, but because these are great businesses in their own right. If you're looking for a Monday thought starter, look no further. 🎙️ 🤔 https://lnkd.in/gEwNdvd3
Pipe
Financial Services
San Francisco, CA 28,129 followers
Pipe makes customer-friendly capital and financial tools for SMBs, embedded in the software they use every day.
About us
Pipe makes embedded financial solutions accessible to growing businesses inside the software they use every day. Underwriting is based on live transaction and business data, removing the hurdles of traditional business financing. How does it work? Eligible merchants: Receive a pre-approved or pre-qualified offer, based on their revenue Verify a few business and ownership details Then accept as much of their offer as they need and get back to doing what they love, running their business Pipe can help turn your software into a one-stop shop for your customers and help them gain access to the capital they need to thrive.
- Website
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https://pipe.com
External link for Pipe
- Industry
- Financial Services
- Company size
- 51-200 employees
- Headquarters
- San Francisco, CA
- Type
- Privately Held
- Founded
- 2019
- Specialties
- Growth Financing, Alternative Financing, Growth Capital, Working Capital, Embedded Financing, and Embedded Capital
Products
![Click here to view Pipe]()
Pipe
Marketplace Platforms
With Pipe’s Embedded Capital, Payfacs and ISVs can launch a capital offering quickly without the time, resources, and engineering lift of building their own financing product. Pipe’s embedded UI makes it easy to offer capital access to your merchants through a frictionless, highly themeable experience that feels native to your platform. Our rich API endpoints allow you to fully control your user experience while building on Pipe’s risk, underwriting, capital technology and expertise. For Payfacs, capital is a powerful way to grow your GPV by helping your merchants and drive revenue through profit sharing. Embedded capital can also increase LTV and decrease churn while boosting your share-of-wallet by incentivizing merchants to utilize your platform. Merchants love the streamlined application process, which gives them access to capital in just a few clicks with pre-qualified offers based on their transaction history and payments that sync with their cash flow.
Locations
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Primary
Get directions
548 Market St PMB 93796
San Francisco, CA 94104-5401, US
Employees at Pipe
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Andy Moore
Leadership I Energy I Fintech I RBF I AI I 4X Exits
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🎨 Payman Taei
Founder of Visme: The interactive content platform for brands. Co-Founder of Respona, Angel Investor.
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Dr. Joel Palathinkal
Investor: Tech / Real Estate
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Aaron Suplizio
Chief Commercial Officer at Novo | Fintech Revenue & Partnerships | Ex-Block & Ex-Experian | Angel Investor
Updates
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Exciting Pipe recognition this week: we were named as one of the top 50 fintechs by The Financial Technology Report 🏆 🥳 Pipe is on a mission to bring better capital and financial services options to the hundreds of millions and small businesses around the world who are starved for options. It's always satisfying to see our progress recognized like this. Thank you to everyone at Pipe on the frontline of this work, and to all our partners. We couldn't do what we do without you! https://lnkd.in/eqBJWBCK
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Our global march continues: Pipe is live in Australia! 🇦🇺 🥳 Australian small businesses face a $38 billion funding gap, with half of all applications turned down. Pipe Capital is tailor made to help SMBs with this shortfall, and set them up thrive. We're excited to have Live Payments as our day one launch partner and bringing capital to the thousands of businesses that rely on them everyday. Read more here: https://lnkd.in/g56XHXMT
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Uber Eats Merchant Financing is live in the UK, powered by Pipe! Congrats to the Uber Eats team on a smooth launch, making financing available to restaurants, pubs, and cafes across the UK directly inside the Uber platform. The funds restaurants need to grow, now delivered in a neighborhood near you. Read more about it here: https://lnkd.in/gT-AbT5C
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The Pipe team is obsessed with our partners and the small businesses they serve. Last week our go-to-market teams came together in Atlanta to strategize on how we can serve them even better (and also caught a Hawks game and dinner at the incredible Verdure Kitchen and Cocktails, LLC, a proud Pipe customer and all around great place to eat.)
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Live data from the platforms SMBs use every day can drive a magical capital experience, underwriting the future of small businesses. Here's Pipe CPO Claurelle Rakipovic speaking at Money 20/20 last week.
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We’re proud to share that Pipe has joined the World Economic Forum’s Unicorn Community. As part of this invitation-only, global network of innovators, we’ll collaborate with leaders shaping the future of finance, technology, and entrepreneurship, bringing the perspective of small business–focused fintech to the world stage. Our mission has always been to expand financial access for small businesses and empower them to grow on their own terms. Joining the Unicorn Community strengthens our commitment to building a more transparent, inclusive, and resilient financial system. We’re honored to engage through the Forum’s Centre for Financial and Monetary Systems and contribute to the ongoing dialogue around the future of global finance. Read more on the Pipe Blog: https://lnkd.in/gauvcs23
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"Small businesses just don't have access to the financial system...Ramp, Brex, Amex, and Capital One serve one million of the thirty-five million businesses in the US. Pipe is for the other thirty-four million." Pipe's Luke Voiles on stage at Money 20/20 this week, joining an expert panel on expanding credit access with the next era of cash flow data.
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Pipe's Luke Voiles discussing the hidden cost of bad data yesterday at Money 20/20. A few key takeaways: - You need human thought. Build AI agents to automate what no longer requires humans so you can free your people to focus - Build technology to speed decisions and create a frictionless experience for your customers - The biggest challenge of his career has been building from 60% automated to 90% automated. Simplicity on the surface takes complexity in the background.
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