By Steve Conner, President, FinServe 

The landscape of business finance is changing faster than ever before. Lenders, funders, and technology ISOs (Independent Sales Organizations) are feeling the pressure to stay competitive while adapting to new technologies, shifting customer expectations, and evolving regulations. At FinServe, we are proud to be the industry’s leading platform for connecting trusted business finance partners—including lenders, funders, and technology providers—with over 18,000 ISOs and referral partners. Our expertise in finance technology, integration, and operational design empowers organizations to thrive in today’s rapidly evolving marketplace.

While the opportunities are abundant, the road ahead is not without challenges. In this article, we’ll explore the critical trends shaping the lending industry and how FinServe can help your organization stay ahead in an increasingly digital world.

Industry Update: A New Era of Business Finance

The truth is clear: traditional methods, such as cold calling and outdated sales tactics, are no longer effective. ISOs, brokers, and smaller lenders are finding it increasingly difficult to engage with borrowers and close deals. The rapid advancement of finance technology, shifts in borrower behavior, and looming regulatory changes are driving the need for organizations to adapt quickly.

At FinServe, we work closely with some of the largest technology ISOs in the industry, focusing on marketing, partnerships, and operations to help them navigate these transitions. The message is simple: organizations that fail to evolve will risk losing ground.

Key Challenges Facing the Industry

As the business finance sector continues to change, the challenges are becoming clearer. If your organization hasn’t already begun addressing these issues, it may already be too late to avoid serious consequences. Here are the top hurdles facing today’s market:

1. Outdated Operations: The failure to build a technology-driven operation that can meet the demands of modern borrowers is one of the biggest risks. Without the right tools, processes, and integrations, staying competitive is nearly impossible.
2. Ignoring Industry Shifts: Many organizations are continuing to operate as they always have, overlooking the transformative shifts happening across the industry—whether it’s digital transformation, changing borrower expectations, or new funding models. These shifts cannot be ignored without severe repercussions.
3. Upcoming Regulations: New business finance regulations are set to take effect in 2025, creating a sense of urgency. Organizations that fail to prepare will risk non-compliance, financial penalties, and disruption to operations.

Though these challenges may seem daunting, they are not insurmountable. The sooner you take action, the better positioned your organization will be to seize opportunities in the future of business finance.

Data Insights: The Impact of Technology and Adaptation

At FinServe, we have a front-row seat to the latest industry data, giving us unparalleled insight into how the market is shifting. Our findings show a stark contrast between organizations that are embracing finance technology and those that are resisting change.

Here’s what the data reveals:

• The Good: 1-2% of our partners who previously originated between $250K and $1M in monthly funding have scaled their originations to over $1M in just the past 12 months. These organizations are thriving by leveraging technology, building strong strategic partnerships, and embracing operational innovation.
• The Hard Truth: Unfortunately, 55% of partners in the same origination range are struggling. Many are too reliant on a small group of renewal customers, with some even facing severe financial stress. The inability to adapt to new business finance technologies has left them vulnerable in today’s fast-paced market.

This data clearly illustrates the divide between those who are evolving and those who are staying stagnant. The difference between thriving and simply surviving isn’t just luck; it’s about making strategic decisions, embracing finance technology, and staying ahead of regulatory changes.

Don’t Wait Until It’s Too Late: Act Now

For lenders and funders who are still positioned to adapt, now is the time to act. The lending industry is moving at an unprecedented pace, and those who fail to innovate will fall behind. The good news? You can still catch up by implementing the right technology solutions and aligning with the right partners.

What You Can Do Now:

1. Embrace Technology: Invest in the technology solutions that enable your organization to operate more efficiently, engage with borrowers, and access real-time market data. Automation, artificial intelligence (AI), and data-driven decision-making are no longer optional—they’re essential for staying competitive.
2. Prepare for Change: Stay ahead of business finance regulatory changes, market shifts, and customer demands. By proactively addressing these challenges, you’ll be better positioned for long-term success.
3. Partner with the Right Experts: Collaborate with trusted technology providers, lenders, and funders who understand the evolving landscape of business finance and can help you implement solutions that drive growth and efficiency.

At FinServe, we provide an extensive network of trusted partners, innovative technology solutions, and expert guidance to help your organization navigate these challenges and succeed in a rapidly changing market.

Let’s Take the Next Step Together

Now is the time to adapt and secure your organization’s future. If your business is ready to grow and stay ahead of the competition in the fast-evolving world of business finance, I encourage you to reach out. Let’s schedule a meeting to discuss how FinServe can help you leverage finance technology and the power of technology ISOs to support your growth and improve your market positioning.

For lenders, funders, and tech ISOs interested in learning more about how to collaborate with FinServe, [click here] for more details.

Let’s stay ahead of the curve, together.

About FinServe USA

FinServe USA is the industry’s premier platform for connecting business finance lenders, funders, and technology ISOs. With over 18,000 ISOs and referral partners, we offer innovative finance technology, strategic partnerships, and seamless integrations to help organizations scale efficiently. Together, we are shaping the future of lending.

If you’re interested in discussing how FinServe can help you get ahead of the curve, fill out this brief form below: