# Small Business Lending Uses Shipping Data for Credit

> FedEx and Stripe turn shipping data into small business credit signals.
- Title: Small Business Lending Uses Shipping Data for Credit · Pymnts
- Summary: FedEx and Stripe turn shipping data into small business credit signals. FedEx and Stripe's 2027 solution uses shipping and inventory data to help small…
- Keywords: fedex, stripe, small business lending, shipping data, credit scores, underwriting, smb, business, finance, Small, Lending, Uses
- Source: Pymnts — https://pymnts.com/smbs/2026/shipping-data-could-decide-the-next-small-business-loan
- Author: PYMNTS
- Published: 2026-10-14T20:11:09+00:00
- Read time: 1 min
- Topics: fedex, stripe, small business lending, shipping data, credit scores, underwriting, smb, business, finance
## Small business credit challenges
Small businesses struggle to qualify for financing despite having cash flow and inventory.
## Traditional credit scores fall short
Traditional underwriting can't distinguish between temporary cash crunches and financial trouble for small businesses.
## FedEx and Stripe launch 2027 solution
FedEx and Stripe announced a 2027 solution using shipping and inventory data for small business lending.
## Operational data as credit signal
Real-time shipping and inventory data could determine small business credit access without traditional financial statements.
## Why shipping data matters
Shipping data shows business activity in real time, helping lenders spot financial deterioration versus expansion.

> Payment data is interesting because it really is the digital footprint of a business
## Data ownership risks
Businesses risk being locked into one platform if financing depends on their logistics or payments provider data.
## What happens next
Small businesses could get loans based on shipping data, but may face platform lock-in.
## Key takeaway

FedEx and Stripe's 2027 solution uses shipping and inventory data to help small businesses access loans without traditional credit scores.