What SMBs Really Want from Credit​

In today’s competitive credit landscape, access is no longer the differentiator—experience is. This report from i2c and PYMNTS Intelligence dives deep into how small and midsized businesses (SMBs) are reshaping expectations around credit, and what financial institutions and fintechs must do to stay relevant. SMBs aren’t just looking for capital—they’re looking for credit that works the way they do: fast, flexible, and built for real-world cash flow needs.​

Key insights:

  • Larger SMBs lean on credit, but pull back in uncertain times.​
  • Business card usage varies by planned vs. unplanned needs.
  • SMBs will pay for flexible spending.
  • SMBs shop cards based on features not approval.

SMBs are shifting into high gear—and they expect their credit providers to keep up. This report is your roadmap to understanding what drives SMB credit decisions in 2025 and how to build solutions that win their trust and business. Read the full report​

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Shelia Moore
SVP of Issuing and BaaS Partnerships
"Through our partnership with i2c, we have been able to offer innovative & efficient financial products."
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