The New Logic of Credit Business credit still runs on delay. Lenders evaluate based on past performance, static reports, and periodic reviews. Capital decisions happen well after the need arises. This backward-facing model doesn’t match how modern businesses operate. Small…
Cash Flow Isn’t a Report. It’s a Signal. Most real-world businesses don’t have a CFO. They manage cash in spreadsheets, react under pressure, and make decisions without forward visibility. We’ve spoken to dozens of operators—restaurants, retailers, distributors. The pattern is…
A New Architecture of Trust By Bikesh Kumar, Founder & CEO, Finz Before currency, there was trust. A shepherd traded wool for grain because he believed the farmer’s word. Commerce was human before it was institutional—instinct before spreadsheets. As villages…
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…