Banking / 4 min read
Business Checking Still Needs a Backup Plan After the Regional-Bank Scare
By Eric KuvykinOne operating account is simple until a hold, outage or bank policy change interrupts payroll and supplier payments.
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
Published articles
By Eric Kuvykin
Payments / 4 min read
Agentic Commerce: How Merchants Can Evaluate AI Identity and Payment Permissions
Eric Kuvykin examines AI shopping agents, payment tokens and the practical tests small merchants can use before enabling automated checkout.
Merchant Services / 5 min read
Credit Card Processing Fees Need a Monthly Owner Audit
A practical processing-statement review for retailers, restaurants, salons and professional offices that want fewer surprise fees.
Regulated Industries / 5 min read
EU AI Act High-Risk Compliance Deadlines for Financial Scoring
Mandatory model explainability, transparency, and human oversight rules become fully enforceable for AI credit and fraud systems in Europe.
Operations / 5 min read
Secondary Market Trading of Distressed Small Business Portfolios
Specialized debt buyers increase acquisition activity for charged-off merchant cash advance receivable pools.
Operations / 3 min read
Before Connecting Accounting Data to a Financing App, Map the Access
A practical access worksheet for accounting-to-financing integrations: scope, sync direction, retention, correction and disconnection evidence.
Operations / 3 min read
Alternative Financing Data Needs a Source Map Before It Becomes a Score
Organize thin-file business-financing records with a source map, transfer exclusions and an explicit distinction between cash receipts and sales.
Operations / 5 min read
State-Level Licensing Requirements for Commercial Brokers
Growing list of states mandate formal registration and bonding for brokers originating alternative small business financing.
Operations / 5 min read
Strategic Warehouse Line Syndication for Fintech Lenders
Institutional asset managers establish forward-flow debt commitments to back high-yield SME lending portfolios.
Business Finance / 5 min read
Increased Default Rates Among Retail and Hospitality Micro-Merchants
Margin compression and persistent inflation trigger a surge in missed daily ACH withdrawals across high-risk service sectors.
Operations / 3 min read
A Smaller Daily Financing Deduction Does Not Automatically Mean a Lower Cost
Separate the collection percentage, repayment timing and total outflow when testing a sales-linked financing proposal.
Operations / 3 min read
A Business Refinance Is Incomplete Until the Old Balance and Collections Are Resolved
Trace payoff quotes, usable new proceeds and overlapping collection dates before treating a replacement financing offer as completed debt relief.