# Supply-Chain Data Enters SMB Underwriting

> FedEx and Stripe use shipment data to improve small business loans.
- Title: Supply-Chain Data Enters SMB Underwriting · Pymnts | Shortify
- Summary: FedEx and Stripe use shipment data to improve small business loans. Lenders now use supply-chain records like shipment activity to assess small business…
- Keywords: stripe, fedex, smb underwriting, supply chain data, small businesses, financing, business, finance, Supply-Chain, Data, Enters, SMB
- Source: Pymnts — https://pymnts.com/smbs/2026/supply-chain-data-moves-into-smb-underwriting
- Author: PYMNTS
- Published: 2026-10-08T22:42:53+00:00
- Read time: 1 min
- Topics: stripe, fedex, smb underwriting, supply chain data, small businesses, financing, business, finance
## 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.
## Key takeaway

Lenders now use supply-chain records like shipment activity to assess small business credit risk.