The last few years have reshaped the business landscape, accelerating shifts in payment behaviors, including a growing preference among consumers for online shopping, contactless payments, and curbside delivery service.

Small businesses had to adapt quickly to survive.

Yet, 2023 didn't let up, throwing high inflation and stubborn global supply chain disruptions into the mix. The proof is in the numbers. According to the U.S. Bureau of Labor Statistics, the Consumer Price Index (CPI) increased to 4.54 percent in the 12-month period ending December 20231. This inflationary spike is just part of a broader economic trend, where businesses have had to contend with record breaking inflation, soaring costs for raw materials, and increased expense to retain customers.

Tackling today’s economic hurdles

With that in mind, it’s no surprise that 66% of small businesses today say that funding timing has the largest impact on their cash flow management.1 It’s tough out there, and getting money quickly can make a big difference. Whether it’s paying invoices, managing inventory, or covering an unexpected expense, having cash on hand is critical for businesses trying to grow as well as those trying to keep their doors open.

The power of instant payments

More and more, businesses need to move money fast, and real-time payments (RTP) have emerged as an essential solution. In Q1 of 2024, the RTP network processed over 76 million transactions, totaling $42 billion, with transaction volume and amounts growing an average of 15% per quarter2.

For merchants, same-day funding means improved ability to meet business demands. For you, it means offering a solution that differentiates you from the competition. We can help.

Backed by the strength and stability of U.S. Bank, our real-time payment solutions deliver funds to your merchants within hours of them closing out their batch. They can then access their funds 7 days a week, 365 days a year to meet business needs.

If you’re interested in offering your merchants some of the fastest funding in the industry, reach out to us or give us at a call at: 844.983.0994. Let us power your possible.

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  1. Payment Journal

  2. Grand View Research