Pipe

Jake Miller started Ridgeline Well and Pump with $15,000 of his own savings but when he needed capital to expand, traditional banks ran for the hills. "The only thing worse than having bad credit is not having any credit at all,” he said. Luckily, Jake was one of the 45,000 HVAC, plumbing, electrical, cleaning and other contract professionals who use Housecall Pro to help them manage and run their business. Through Housecall Pro’s partnership with Pipe, he was able to fill out the application in a few steps, and get approved almost on the spot. Jake was able to buy a new truck, and almost double the capacity of his business. All without struggling against the endless bureaucracy and strict terms of getting a bank loan. It's stories like Jake's that get us excited about what we do at Pipe. https://lnkd.in/g5azS8wP

At Pipe, every day we see that times are changing when it comes to SMB financing... OUT ❌ piles of paperwork, profit and loss reports, personal guarantees to apply for capital IN ✅ personalized, pre-approved capital offers based off live revenue data OUT ❌ waiting weeks as an SMB to get capital from a bank IN ✅ capital quickly deposited in your bank account (in some cases within hours) OUT ❌ fixed, inflexible repayment reschedule that can overwhelm a business IN ✅ payments that are set at a fixed percentage of future revenue, so you’re never left in a tight spot 

We're excited today to announce that we've upsized and renewed our credit facility with Victory Park Capital to $225 million and extended the term of the facility by two years. Our partnership with VPC has been central to Pipe's growth over the last two years, and we're excited to continue to work together on Pipe's mission to support small business lending worldwide. https://lnkd.in/gkR2etQi

Big congrats to our partner, Boulevard, on winning the 2026 Fintech Breakthrough Award for Best Small Business Lending Solution. 🏆 This is exactly what embedded capital is supposed to do and we're very proud to be the engine behind it.

Hard to believe, but our first Pipe Capital program launched two years ago 📈 💳 🏪 In the last two years we've advanced more than $300 million in capital, to more than 15,000 businesses, reaching the sorts of businesses consumers love and rely on: like independent construction firms and contractors, small restaurants, and salons. The amount of energy we've taken from the growth and impact we've seen in two years is huge. We're excited for many more.

Pipe Capital isn't just capital. It's a resource SMBs wouldn't otherwise have access to that helps them grow their dream, open new locations, and invest in themselves. Natty Crutchfield, the owner of Natty's Jerk in the UK, got access to capital from Pipe through our partnership with Uber Eats (which expanded to the UK in November last year). He had this to say: “Natty’s has always been more than a restaurant. It’s about people, connection, and the soulful flavors of Jamaica. With help from Pipe and Uber’s merchant financing, we’re able to be smarter with our funding and are working towards expanding to a third location in the UK.” Learn more about how we're helping restaurants like Natty's Jerk access capital in the UK through our partnership with Uber Eats. https://lnkd.in/gT-AbT5C

When there's uncertainty in the world, small businesses are often the first group in our economy to feel that pain. When people talk about big picture economic impacts, it's often the SMBs in your own community at most risk. That's why we show up to work each day, to make life easier for these businesses, to fuel their growth and provide them capital certainty. https://lnkd.in/e-yUB4bJ

Not to brag, but Pipe's conversion rate among SMBs that see capital offers from us is 2x the industry average. When Pipe partners shows one of their customers an offer from us, we want to make it fast, simple and easy for them to get that capital advance and put it to work. We pride ourselves on our modern, streamlined UX and always on customer service, that makes it easy for SMBs to access capital and get back to the important work of running their business.

🚀 We’re Hiring: Staff Accountant at Pipe Pipe is looking for a Staff Accountant to join our Finance team! This role is a great opportunity to get hands-on across month-end close, AP, treasury operations, audit support, and financial reporting, while partnering cross-functionally with teams like Risk, Sales, Operations, and Compliance. You’ll play a key role in maintaining accurate financial records, supporting international consolidations, improving processes, and contributing to the overall financial health of the company. And you’ll be working alongside some of the brightest, most thoughtful, and driven teammates! Interested? Send your resume to careers@pipe.com 👈 Cil Benamer

There's something magical for small businesses when they get an offer from Pipe showing up inside the OS they use to manage their everyday business. After grappling with the bureaucratic overload of banks and trying to meet underwriting standards that weren't created for them, Pipe Capital is simple, straight-forward and quick. Like all great technology it feels a little bit like magic. The proof is in the pudding: Pipe Capital has an NPS of 80, which is more than 2x of what is typical in financial services. Everyday we're proud to make a difference by making SMB's lives easier.