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The global expansion of embedded finance continues as Pipe, a fintech company building a financial operating system for small businesses, has announced its entry into the Australian market through a partnership with Live Payments. This strategic move marks Pipe's fourth market expansion, following launches in the US, Canada, and UK, and addresses a significant funding gap for Australian small businesses estimated at $38 billion.
Pipe expands to Australia through a partnership with Live Payments.
Live Payments serves over 10,000 Australian small businesses.
The partnership addresses a $38 billion funding gap for Australian SMBs.
Pipe offers capital based on revenue and cash flow, not credit checks.
This is Pipe's fourth market after the US, Canada, and UK.
Capital offers will be embedded directly in Live Payments' customer portal.
Australian small businesses face significant challenges in accessing capital, with more than half of all small business loan applications being unsuccessful. Pipe's expansion aims to address this pain point by offering personalized capital options based on business performance rather than traditional credit checks or personal guarantees. Through its cutting-edge underwriting engine, Pipe assesses risk using revenue, cash flow, and business performance data to provide transparent, pre-approved capital offers.
The partnership will integrate Pipe's capital offers directly into Live Payments' Customer Portal, where businesses already manage their payments. This embedded approach allows Live Payments' customers to access working capital within the same platform they use for daily operations, creating a seamless financial experience. The solution eliminates the need for lengthy documentation and provides capital based entirely on historical business performance.
Luke Voiles, CEO of Pipe, commented on the expansion, stating, “Pipe is at an exciting stage, with an expansion playbook that lets us enter new markets quickly and a product designed to make a real difference for small businesses everywhere. Live Payments has been a great first partner for us in Australia, helping us show what’s possible when small businesses are given the capital and tools they need to thrive.”
Reuven Barukh, CEO of Live Payments, added, “We’re excited to expand access to working capital for our customers through our partnership with Pipe. Australian businesses have been quick to embrace new ways of accessing capital, and we’ve already seen strong demand for a solution like this. Our customers trust us with mission-critical parts of their business, and offering working capital is a natural next step in strengthening that relationship.”
This expansion demonstrates the growing global demand for embedded financial solutions that provide small businesses with faster, more accessible capital alternatives to traditional banking. By leveraging existing payment relationships, Pipe can reach businesses at their point of need while Live Payments enhances its value proposition to customers.
About Pipe
Pipe makes customer-friendly capital and smart financial tools accessible to growing businesses inside the software they use every day. Pipe’s embedded solutions are built to scale and give business builders across industries the power to grow on their own terms.
About Live Payments
Live Payments has over 19 years’ experience proudly servicing over 10,000 SMB and taxi customers, offering a full suite of payment solutions to reward, support and grow Australian businesses. Live Payments strives to simplify payments and enable our customers with leading technology and solutions.
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