The financial infrastructure for SMBs is broken—It’s time to fix it.
Despite powering nearly half of global GDP, small businesses continue to operate without access to the foundational financial tools larger enterprises rely on. They remain chronically underserved—managing cash flow with fragmented systems, reactive tools, and little to no strategic support. In most cases, the person running finance is the same person running the company.
There is no CFO. There is no real-time financial intelligence. Only pressure—constant, compounding, and deeply personal. Every day is a balancing act between paying vendors, covering payroll, managing credit, and keeping the business afloat. One late invoice or missed forecast can spiral into a liquidity crisis.
This isn’t a minor operational issue. It’s a systemic failure. And it’s quietly shutting down thousands of businesses that should have survived.
A 2023 U.S. Bank study found that 82% of small business failures are caused by poor cash flow management—not lack of demand, not bad ideas. Just a gap in visibility and timing. Most operators don’t see the problem until it’s too late. They’re making high-stakes financial decisions without the data, time, or tools to get them right. Traditional banks were never built for this. And modern software, while slick on the surface, often stops short of solving the real problem.
Finz was built to change that.
It is not just a credit card. It’s a contextual, intelligent financial system designed to think like a CFO—forecasting shortfalls, surfacing hidden risk, automating credit access, and helping business owners make better financial decisions in real time. Finz connects directly to the systems operators already use—accounting, banking, payroll—and turns their raw data into financial intelligence. Not static dashboards. Not delayed reporting. Real-time decisioning that keeps the business in flow.
This isn’t about offering capital. It’s about knowing when capital will be needed—and acting before it becomes urgent. It’s about protecting operators from blind spots, from fire drills, from the quiet chaos that comes from not knowing what’s coming next.
The timing has never been more critical. AI is transforming how decisions are made. Embedded finance is reshaping how credit is distributed. And a new generation of small business operators are demanding tools that match their ambition—tools built not just for tracking the past, but for anticipating the future.
Finz sits at that intersection. A financial operating layer designed for clarity, speed, and precision. Something that works quietly in the background, but makes all the difference when it counts.
This blog will share the journey—raw, unpolished, and real. Because building the financial infrastructure small businesses deserve isn’t a product roadmap. It’s a mission.
And we’re just getting started.