Remaining competitive in an ever-growing marketplace can be a challenge for lenders. Experts say, cost of funds remains high from upmarket lenders and margins are thinning by the day. Yet consumers and small business borrowers are demanding faster underwriting and quicker speed to funding, and investors continue to demand record-breaking quarterly loan volume. 

Candance Sjogren, Head of Alternative Lending at Marqeta and Managing Partner at CXO Solutions, offers four solutions for lenders. She explains why small business lenders have now begun to use card products to understand the exact spend that is tied to their loan.