Tell-me-now cashflow decisioning for small business purchases

Tell-me-now cashflow decisioning for small business purchases targets a $6.0B = 50M SMBs × $120 ACV total addressable market with medium saturation and a year-over-year growth rate of 12% CAGR — source: industry reports on SMB fintech and cashflow management tools.

Key trends driving demand: Open banking and connector ecosystems — easier, standardized bank and payments access reduces integration friction and speeds product development.; Shift toward decision-first apps — SMB founders prefer single-purpose, instant-answer products rather than heavy accounting suites, creating demand for simple recommendation interfaces.; Increased volatility for small businesses — tighter margins and unpredictable receivables increase the perceived value of tools that reduce bad-timing purchases.; API-first fintech stack — affordable managed services and payments APIs let startups integrate quickly with banks, accounting, and invoicing systems to deliver near-real-time data..