Full-Time
Posted on 1/22/2025
Fintech platform for accessing business capital
$170k - $180kAnnually
Senior
Remote in USA
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Pipe.com provides a platform that helps small to mid-size businesses access capital quickly and easily. The platform allows businesses to unlock funding with a single click, charging a flat fee that adjusts based on the business's sales. This flexibility makes it suitable for companies with varying income levels. Unlike traditional financing methods that often involve lengthy approval processes, Pipe.com uses secure live data to assess a business's health, ensuring an unbiased approach to capital access. This data-driven method has enabled over 23,000 business owners to obtain funding without giving up equity, as businesses can convert their revenue into upfront capital without personal warrants or covenants. The goal of Pipe.com is to streamline the financing process for entrepreneurs, making it more accessible and less burdensome.
Company Size
201-500
Company Stage
Debt Financing
Total Funding
$307.4M
Headquarters
Miami, Florida
Founded
2019
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Health Insurance
Dental Insurance
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Flexible Work Hours
Parental Leave
By Punit Dholakia, Global Head of Capital Markets, PipeOver the past few years, several fintechs have closed shop, some after being in business for a very long time. As we look at the years ahead, there’s a paradigm shift in the markets, where neutral rates are expected to be higher. History serves as a reminder to understand why capital-intensive fintechs (whose business model is lending to Main Street in some form) fail and take steps today to ensure a fintech start-up’s longevity.Lower Pricing is not a ProductSeveral fintechs in the past decade have built and scaled similar products with lower pricing being the only differentiator. Assuming “lower cost equals product-market fit” is one of the most common mistakes founders make.Fintechs are most sensitive to rates, and most businesses fail when rates rise unreasonably. However, the recent repricing of rates from 0% to ~5%, while fast, is still not unreasonable from a historical perspective. As inflation started heating up, prudent capital markets fintech teams differentiated themselves from the rest by stress-testing their portfolios and products
The B2B innovation landscape has never been more exciting than right now. Ongoing technological advances are driving a paradigm shift, allowing B2B firms to streamline and digitize nearly every element of their operations — particularly the workflows and processes surrounding B2B payments. As businesses seek more efficient ways to manage payments and working capital, embedded finance is emerging as a transformative force in B2B commerce. Separately, PYMNTS Intelligence’s “2024-2025 Growth Corporates Working Capital Index,” commissioned by Visa, identified the ways businesses are adopting digital solutions to optimize cash flow and drive growth in a competitive global market. The data indicates that over 80% of chief financial officers (CFOs) and treasurers have utilized working capital solutions, marking a 13% increase year over year
Pipe, a fintech company partnering with software platforms to deliver embedded financial solutions for SMEs, and bank payment company GoCardless today announced a partnership to reshape capital access for UK businesses. Under the partnership, Pipe’s customer-friendly capital offering will be accessible via the GoCardless platform, providing simple and seamless capital access for its UK customer base.*Over the past several months, Pipe successfully conducted a pilot program with GoCardless in the UK, and the two companies have agreed to formalize their partnership to bring Pipe’s customer-friendly capital solutions to the broader UK market.“Our partnership with GoCardless in the UK market marks a significant step forward in our mission to empower small businesses worldwide with the financing and services they need to grow and prosper,” said Luke Voiles, CEO of Pipe. “By combining Pipe’s customer-friendly solution with GoCardless’s extensive reach in the UK market, we’re revolutionizing how small businesses access capital and providing them with the financial tools they need to thrive in today’s dynamic economy.”This collaboration follows the launch of Pipe’s embedded capital offering in the United States in May. GoCardless partnered with Pipe after a comprehensive market evaluation, citing Pipe’s impressive pre-approval rate for merchants and its ability to offer capital without personal guarantees. Pipe’s solution stands out in the market for its fast, easy-to-access financing, which requires no credit checks. Its flexible top-ups provide similar benefits to a line of credit, and the streamlined user experience results in higher sign-up conversion rates
By Luke Voiles, CEO, PipeThere’s no question that small businesses need an easier way to access working capital. It’s crucial for sustainable growth, and provides a buffer against the ups and downs of the business cycle. The question is how to straighten the path to capital access without cutting corners.As the demand for B2B financing increases, the mantra of “move fast and break things” has been both a driving force for innovation and a source of concern for risk and compliance. It’s this dual accountability to both businesses who need capital and the regulators who ensure capital access is safe that creates the challenge.Done wrong, innovation could slam the brakes on business funding and make it even harder to access by making it too risky for the capital markets, or too big a regulatory risk for the originator to take. But done right, technology can meet the needs of the small businesses that drive our economic engine, especially those who struggle with financial access. I believe fintech exists to solve this exact problem.Why Innovation MattersTraditional funding avenues, such as banks and credit unions, come with complex offline processes and a long list of requirements that can be prohibitive for small business owners
When it comes to the business landscape, more money commonly equals, or creates, more opportunities. And with the news that the Small Business Administration (SBA) has started soliciting insights on a new pilot program within the 7(a) Loan Program designed to support small and medium-sized businesses (SMBs), putting working capital to work is top of mind for SMBs. The Working Capital Pilot Program (WCP), as detailed by the SBA, aims to address the need for accessible and flexible working capital among SMBs by providing short-term loans. These loans may be approved up to $5 million and used to back both international and domestic transactions
Transend and Midland States Bank have partnered to help suppliers offer their commercial customers instant access to working capital at the point of commerce. The companies will offer these dynamic payment solutions by leveraging Transend’s B2B private-label working capital solution, they said in a Monday (July 15) press release. “To partner with such a forward-thinking community bank as Midland States Bank to launch the Transend platform nationally is such a privilege, and we’re incredibly excited about the impact we can have together in the commercial space with their team by our side,” Matt Lekawa, founder and CEO at Transend, said in the release
Pipe is now using Peach Finance’s infrastructure to power and scale its embedded capital product.As a modern capital platform, Pipe selected Peach, a servicing technology platform, as a key infrastructure provider in 2023 and now has its production instance up and running, the companies said in a Wednesday (June 19) press release.“Pipe is committed to making capital and finance tools more accessible to small businesses,” Luke Voiles, CEO at Pipe, said in the release. “We lean on partners who are experts in their field, and servicing technology is a critical piece of that infrastructure. We have partnered with Peach to provide the flexibility to scale our embedded capital product.”Pipe has offered its working capital solutions directly to businesses since 2020, focusing on providing fast, frictionless, dilution-free financing to small- to medium-sized businesses (SMBs), according to the release.In addition, the company recently announced an expanded capital-as-a-service solution that enables it to reach SMBs through an embedded offering for independent software vendors (ISVs) and payment companies, the release said.When conducting the search for a servicing technology partner that led it to select Peach, Pipe was looking for a partner with a proven track record of performance with enterprise clients, with a product velocity that matches its own, and with a platform that provides the system of record for balance and payment management, per the release.“One of Peach’s key differentiators is its API-first and fully configurable architecture,” the press release said. “Once Peach was identified as Pipe’s vendor of choice, Peach configured the product in a single week. Pipe then built the integration over the subsequent six weeks, dedicating just two engineers, and had their production instance up and running in under two months.”By embedding financial solutions into the point-of-sale systems and software platforms that business owners rely on to run their daily operations, Pipe can connect small businesses with innovative capital and lending products that would have otherwise remained unobtainable, Voiles told PYMNTS’ Karen Webster in an interview posted June 11.“The number one pain point for small businesses is access to capital,” Voiles said.For all PYMNTS B2B coverage, subscribe to the daily B2B Newsletter
Pipe Expands Capital-as-a-Service Capacity to More Than $1 Billion Per Year with a New $100 Million Credit Facility from Victory Park Capital
Finalising its senior leadership team, PipeSense has appointed Josh Holmes as VP of Sales and Scott Bauer as VP of Operations.
The Financial Technology Association (FTA) welcomed Pipe as its newest member. Pipe claims it is “the modern capital platform, built to connect entrepreneurs, and small and mid-size business owners to fast, frictionless, dilution-free financing, helping them scale and operate on their terms.”. Penny Lee, President and CEO of the Financial Technology Association, said: