Uncategorized / 5 min read
Autonomous Agentic Commerce Token Protocol Standards
By Eric KuvykinMajor payment networks establish security frameworks allowing AI shopping agents to execute checkout flows independently.
Author Archive
Eric Kuvykin
Publisher and editorial director covering payments, fintech, merchant services, banking, AI, technology and operating strategy for small and medium-sized businesses.
PaymentsFintechMerchant ServicesAIBankingSMBs
By Eric Kuvykin
Merchant Services / 5 min read
Credit Card Processing Fees Need a Monthly Owner Audit
By Eric KuvykinA practical processing-statement review for retailers, restaurants, salons and professional offices that want fewer surprise fees.
Uncategorized / 5 min read
EU AI Act High-Risk Compliance Deadlines for Financial Scoring
By Eric KuvykinMandatory model explainability, transparency, and human oversight rules become fully enforceable for AI credit and fraud systems in Europe.
Uncategorized / 5 min read
Secondary Market Trading of Distressed Small Business Portfolios
By Eric KuvykinSpecialized debt buyers increase acquisition activity for charged-off merchant cash advance receivable pools.
Uncategorized / 5 min read
Micro-Loan Automation via Accounting Software Integrations
By Craig A. Fine, Esq.Cloud accounting platforms partner with private credit funds to pre-approve operating capital directly inside ledger applications.
Uncategorized / 5 min read
Integration of Alternative Data Credit Scoring for Thin-File Founders
By Eric KuvykinLenders leverage utility payment history and SaaS subscription records to extend capital to unbanked micro-merchants.
Uncategorized / 5 min read
State-Level Licensing Requirements for Commercial Brokers
By Craig A. Fine, Esq.Growing list of states mandate formal registration and bonding for brokers originating alternative small business financing.
Uncategorized / 5 min read
Strategic Warehouse Line Syndication for Fintech Lenders
By Eric KuvykinInstitutional asset managers establish forward-flow debt commitments to back high-yield SME lending portfolios.
Uncategorized / 5 min read
Increased Default Rates Among Retail and Hospitality Micro-Merchants
By Eric KuvykinMargin compression and persistent inflation trigger a surge in missed daily ACH withdrawals across high-risk service sectors.
Uncategorized / 5 min read
Dynamic Factor Rate Adjustments Based on Real-Time Sales Volatility
By Eric KuvykinAlternative funders deploy flexible split-percentage models that auto-adjust daily collections based on merchant POS revenue dips.
Uncategorized / 5 min read
Bank Statement Loan Program Replacements for Toxic MCAs
By Eric KuvykinSpecialized non-bank lenders introduce longer-term revolving lines utilizing 12-month cash-flow analysis.
Uncategorized / 5 min read
Rise of Real Estate-Backed Commercial Debt Restructuring for MCAs
By Craig A. Fine, Esq.Distressed business owners leverage hidden residential and commercial real estate equity to settle short-term merchant cash advances.