Fintech Confidential

Small business cash flow solutions: Tedd Huff, CEO of fintech advisory firm Voalyre and host of Fintech Confidential, interviews Receives' Founder & CEO Ariel Blum and Lithics' Co-Founder & CEO Bo Jiang on earned revenue access for 34M American businesses. How fintech infrastructure provides instant access to sales revenue without loans, solving payment delays and working capital challenges. Legacy banking systems force business owners to wait days or weeks for funds from completed sales, creating cash flow crises that lead 82% of small businesses to struggle with basic operations. Modern fintech companies are solving this through real-time access to earned revenue, flexible payment infrastructure, and strategic partnerships that eliminate artificial delays built into outdated financial systems. This episode of Fintech Confidential, recorded live from the Money Pot at Money 2020 in Las Vegas, breaks down how small businesses can access working capital faster, why traditional lending models fail Main Street America, and what partnerships between fintech innovators actually look like when building compliant, scalable solutions. TAKEAWAYS1️⃣ Pick partners, not vendors. Look for teams that treat your success as their own. 2️⃣ Build in parallel, not sequence. Run development and compliance at the same time to cut launch timelines. 3️⃣ Get the full customer picture. Visibility into earnings, accounts, and spending drives smarter decisions. 4️⃣ Test options before you scale. Come to partners with presets already tested to speed approvals. 5️⃣ Prepare for what you cannot see. Stay flexible enough to respond when something unexpected hits. LINKS Ariel Blum | Founder and CEO of Receive LinkedIn: https://www.linkedin.com/in/arielblum/ Bo Jiang | Co-founder and CEO of Lithic LinkedIn: https://www.linkedin.com/in/boling Receive Website: https://www.nowreceive.com/ LinkedIn: https://www.linkedin.com/company/nowreceive Lithic Website: https://www.lithic.com LinkedIn: https://www.linkedin.com/company/lithic Fintech Confidential Podcast: https://fintechconfidential.com/listen Notifications: https://fintechconfidential.com/access LinkedIn: https://www.linkedin.com/company/fintechconfidential X: https://x.com/FTconfidential Instagram: https://www.instagram.com/fintechconfidential Facebook: https://www.facebook.com/fintechconfidential SUPPORTERS Under.io – Digitize your PDFs for applications and underwriting. Get started free: https://under.io/ftc Defense (Dfns) - Provides wallets as a service that's API first, multi-chain by design, and secured with MPC fintechconfidential.com/dfs Hawk AI – Real-time payment screening, ML transaction monitoring, and dynamic risk rating for fraud prevention: https://gethawkai.com ABOUT Ariel Blum is the Founder and CEO of Receive. He previously held leadership roles at American Express, Green Dot, and Melio. He built Receive as the first earned revenue access platform for small businesses, helping them unlock cash they have already earned without borrowing. Bo Jiang is the Co-founder and CEO of Lithic. He and his co-founders started building together at age 14 and later...