Pipe, a leading fintech company offering embedded capital solutions for small businesses, has launched a national campaign, “Small Business, Big Dreams,” to spotlight the critical role small businesses play in the U.S. economy—and the financial barriers that often hold them back.
While small businesses generate over 40% of America’s annual GDP, many remain financially fragile. Nearly 80% of small businesses have fewer than 10 employees, and according to J.P. Morgan, the average small business has just 27 days of cash reserves. Meanwhile, traditional banks—with more than $10 billion in assets—commit only 3.6% of their total lending to small businesses.
Bridging the Gap Left by Traditional Banks
Traditional lending models aren’t designed for small business agility. Applying for a loan from a large financial institution often requires weeks of paperwork, including tax returns, bank statements, credit checks, and personal guarantees—obstacles that stall growth and innovation.
Pipe’s new campaign showcases how embedded capital can change that narrative. By integrating financing options directly into the platforms small businesses already use to run their operations, Pipe helps eliminate these barriers—offering tailored, fast, and data-driven funding.
Real Stories. Real Impact.
The campaign highlights three small business success stories:
- Verdure, an African fusion fine dining restaurant in Atlanta
- Swella Braid Bar, operating in Atlanta and Charlotte
- Ridgeline Well and Pump, a Charlotte-based service company
Each faced rejection from traditional banks when seeking working capital or funding for growth. But through Pipe Capital—embedded within platforms like Housecall Pro (for home service pros) and Boulevard (for salon owners)—they received personalized, pre-approved capital offers based on real-time cash flow and sales data.
Thanks to this embedded financing:
- Verdure is planning a second location.
- Swella successfully expanded to Charlotte.
- Ridgeline Well and Pump purchased critical equipment to grow.
Smarter Capital for Bigger Dreams
“Fixing access to capital isn’t just about fairness—it’s about unlocking America’s economic potential,” said Luke Voiles, CEO of Pipe. “Small businesses drive innovation and community impact, but they’re held back by outdated financing systems. Imagine what they could do with the right tools.”
Pipe’s embedded capital solution surfaces only pre-approved offers to business owners—meaning no drawn-out applications or uncertainty. For those pre-approved, 98% receive the funds they need.
A Call to Modernize Small Business Financing
With the “Small Business, Big Dreams” campaign, Pipe is calling for a fundamental shift in how America supports its entrepreneurs. By providing fast, data-informed capital access directly through business platforms, Pipe helps small business owners realize their potential—fueling growth, innovation, and economic resilience nationwide.
Learn more at: https://www.pipe.com
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