Supply-Chain Data Enters SMB Underwriting
FedEx and Stripe use shipment data to improve small business loans.
In brief
FedEx and Stripe use shipment data to improve small business loans. Lenders now use supply-chain records like shipment activity to assess small business credit risk. Originally reported by Pymnts.
Supply-Chain Data Moves Into SMB Underwriting
Small businesses that sell physical goods generate records before commercial activity appears in financial accounts.
Lenders Report Weak SMB Records
57% of financial institutions cite inaccurate or incomplete small business records as underwriting obstacles.
Supply-Chain Records Differ
Supply-chain data documents physical commercial activity, not financial transactions.
FedEx and Stripe Initiative
A 2027 financing product uses FedEx supply-chain intelligence for SMB credit analysis.
Digital Sales Drive Data
57% of SMB sales occur through digital channels, generating supply-chain records beyond payments.
What Happens Next
Lenders integrate supply-chain data to improve credit decisions for small businesses.
The big picture
Lenders now use supply-chain records like shipment activity to assess small business credit risk.
