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Jim Granat shared thisAfter another successful quarter, our incredible team has delivered the latest SMB report in collaboration with Ocrolus. This report highlights key trends and insights that can benefit small businesses. For more details, check out the report here: https://lnkd.in/ghMN8d47
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Jim Granat shared thisYesterday Enova reported another quarter of good results, and attached is our latest SMB Report. https://lnkd.in/efhBBpTNNew Report: Small Businesses Enter 2026 with Sustained Confidence, Expanding Access to Capital and Growing Use of AINew Report: Small Businesses Enter 2026 with Sustained Confidence, Expanding Access to Capital and Growing Use of AI
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Jim Granat shared thisExciting news for Enova today! Looking forward to working with our new Enova team members, and helping more SMB's find the capital they need to grow. https://lnkd.in/eNAHPYV2Enova Announces Definitive Agreement to Acquire Grasshopper BankEnova Announces Definitive Agreement to Acquire Grasshopper Bank
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Jim Granat shared thisToday, we released the Q3 2025 Small Business Cash Flow Trend Report, providing a real-time snapshot of the financial health and outlook of small businesses across the U.S. based on survey responses from OnDeck customers and cash flow data from Ocrolus. What did we find? Confidence remains strong, with 93% of small business owners expecting growth in the next year and 31% projecting significant expansion (the highest since early 2024!) Also worth noting: 75% of small businesses surveyed reported bypassing traditional banks for non-bank or fintech lenders when seeking funding, while 52% have adopted AI to streamline operations. https://lnkd.in/g7D9ZxrE
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Jim Granat shared thisOur latest Small Business Cash Flow Trend Report with @Ocrolus sheds light on how entrepreneurs are navigating today’s economic environment.Optimism remains high: 92% of small business owners expect moderate or significant growth in the year ahead. At the same time, inflation (32%) and cash flow (31%) continue to top the list of concerns. Looking ahead, 57% are preparing for tariffs, and nearly a third plan to pass price increases on to customers.Read more in the full report: https://bit.ly/4382tPK OnDeck Small Business Cash Flow Trend Report | OnDeck Get key insights into small business trends across America. See how owners are feeling about the future and discover trends revealed by cash flow data.
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Jim Granat shared thisThanks to an awesome team Enova SMB had a great 2024 and we're looking forward to 2025.Jim Granat shared thisEnova originated $1.1B in small business loans in Q4 2024. https://lnkd.in/d2_TQctvEnova: Record Q4 originations with little competition in sightEnova: Record Q4 originations with little competition in sight
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Jim Granat shared thisAs we enter the holiday season, small businesses continue to ride a wave of optimism regarding their future growth. At OnDeck, we’re grateful to partner with these businesses to meet their operational and long-term financial goals. Similar to last quarter’s findings, our latest Small Business Cash Flow Trend Report with @Ocrolus revealed 73% of small business owners reported bypassing traditional bank loans in favor of non-bank lenders, a true testament to the fast, simple financing model we offer to small business owners. Read more in the full report:
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Jim Granat shared thisCouncil Post: Shopping With Purpose: How Small Business Saturday Builds Stronger CommunitiesCouncil Post: Shopping With Purpose: How Small Business Saturday Builds Stronger Communities
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Jim Granat liked thisCongratulations Andrew Reiser for being named an EY Entrepreneur of the Year! The company you have built over the last 20 years provides a livelihood to over 600 families and growth capital to over 15,000 small businesses every year. I am grateful to be a part of this incredible organization.Jim Granat liked thisLast night, I received the honor of being named an EY Entrepreneur Of The Year® 2026 New York Award winner. I want to thank EY for this recognition and for celebrating the entrepreneurs who take risks, persevere through challenges, and turn ideas into lasting businesses. This award is especially meaningful as Kapitus celebrates its 20th anniversary this year. When I started the company two decades ago, the goal was simple: help small businesses access the capital they need to grow and succeed. It's been an incredible journey filled with lessons, challenges, and opportunities that I never could have imagined. I'm grateful to the talented team at Kapitus, our customers and partners, and especially my family, whose support has made this journey possible. Twenty years later, I remain as passionate as ever about supporting fellow entrepreneurs and small business owners who keep the world moving forward. #EntrepreneurOfTheYear #EOY #Kapitus #SmallBusiness
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Jim Granat liked thisJim Granat liked thisWe're excited to share that our President, Matt Green, has been named a 2026 Notable Leader in Architecture, Engineering & Construction by Crain's Chicago Business. This recognition reflects the passion, hard work and leadership Matt brings to Brucker Company every day. It also speaks to the incredible people across our organization who continue to build on our 150-year legacy and position Brucker for the future. We're proud to see Matt recognized among some of the top leaders in our industry and grateful for everything he does for our team, customers and partners. Congratulations, Matt. This recognition is very well deserved! https://lnkd.in/gn9-C-9F #BruckerCo #Brucker150 #HVAC #NotableLeader
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Jim Granat liked thisJim Granat liked thisI recently caught up with an old friend and half-joked that if we had just held onto Enova’s stock, we’d be beating the S&P 500 by a massive margin since 2021. 📈 I left Enova International after nearly a decade to dive into startups, algorithmic trading, and eventually launch my own advisory business. While institutional investment analysts first started reaching out to me for my perspective back in late 2023, it wasn't until recently—while diving deep into the credit risk and decision engine landscape for my consulting clients—that the true impact of Enova's model hit me. Benchmarking what we built internally years ago against the next generation of modern risk platforms—and looking closely at how teams like Oscilar are evolving the decision engine space today—made me realize just how visionary Enova's blueprint truly was. I’ve put together a 5-year hindsight reflection and appreciation letter breaking down the systems thinking on risks and leverages, data-driven feedback loops, and infrastructure moats (like ODI) that power Enova's growth engine. More importantly, this piece is an overdue thank you to the incredible people who shaped my trajectory: - Executive Leadership: A masterclass in strategic grit from Executive Chairman and former CEO David Fisher (who also quite literally saved my life after a severe bike crash). - Analytics Pioneers: Joe DeCosmo and Michael Failor, who guided our department to pioneer the industry, alongside the brilliant peers I worked with every day on the analytics journey—Abisht Raviprakash, Joel Freiburger, Hakan Karagul, Kaan Gunaydin, and Wendy Zhu. - Business & Commercial Coaching: Rafael Pereira, João Figueira, Rogerio Cardozo, CFA, Sachin Bhargava, and Jim Granat, who trusted and coached me as I expanded my horizon onto the business side of the enterprise. Check out the full reflection and the enduring lessons I took with me below! 👇A 5-Year Hindsight Reflection: An Appreciation Letter to EnovaA 5-Year Hindsight Reflection: An Appreciation Letter to Enova
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Jim Granat liked thisJim Granat liked thisAfter 8.5 years at Lendio, I'm moving on. Got married, bought a house, had two kids while I was there. Not a bad run. The B2B lending space is one I know well now... the product, the customer, the levers that actually move a sales floor. That knowledge goes with me. I want to call out a few people specifically: Paul Harris , Brock Blake , Andrew Domingues ,and Sasha Mujica . Mentors and friends. I'm a better operator because of them. What's next: sales leadership or sales/revenue ops. B2B funding is the home base but I'm open to other tech-forward verticals where the fundamentals carry. If something fits, reach out.
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Jim Granat liked thisJim Granat liked thisI’m excited to share that I’ve been promoted to Renewals Associate Account Manager at OnDeck Capital! My time at OnDeck has already been such an incredible journey of growth. I’m honored to step into this new role and continue supporting our small business partners as they scale. I’m looking forward to taking on these new responsibilities and continuing to work alongside such a talented team.
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Jim Granat liked thisNine years of joyous work, building something meaningful and dedicated to American businesses. Tremendous thanks to everyone who's been a part of making it to this. I'm grateful and proud to reflect on this milestone, and look forward to many, many more.Jim Granat liked thisOn May 1st, we celebrated our ninth anniversary. We are so thankful to be working every day to provide hassle-free financing to American small businesses, and look forward to serving our customers long into the future. Cheers to nine years!
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Jim Granat liked thisJim Granat liked thisAttention all sales-minded individuals!!! Work with our amazing team here at Enova!!! I am currently hiring for the SDR role in our Denver office. Enova is hiring for a Sales Development Representative (Hybrid). Apply here https://lnkd.in/gt8pXzHT or message me for details!
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Jim Granat liked thisJim Granat liked thisOur latest Small Business Cash Flow Trend Report with @Ocrolus shows that small business optimism remains strong. 93% of owners expect growth in the next year, with those anticipating significant growth hitting an all-time survey high of 32%. Cash flow has overtaken inflation as the top concern for the first time. At the same time, owners report that access to credit and consumer spending will be the most influential factors shaping their business strategies for the rest of the year. Despite these evolving challenges, 68% of businesses report they are on track to meet or exceed their 2026 projections. Read the full report here: https://bit.ly/48BCXVm #SmallBusiness
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Jim Granat liked thisJim Granat liked thisHey all - Joe Finello and Manuel Marinez are hiring for a people manager in our ISO Account Management Dept (Denver based). If you or someone in your network are a potential fit, click below to learn more! https://lnkd.in/g4nn8CxT
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Honors & Awards
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Forbes Finance Council
Forbes
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Best Place to Work in Utah
Great place to work
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CXO of the Year in Utah
Utah Business
Won CXO of the year for Utah Business in 2017
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Best Place to Work in Utah
Great place to work
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Best Place to Work in Utah
Great place to work
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Unit21
🚨 𝗠𝗮𝗷𝗼𝗿 𝗖𝗵𝗮𝗻𝗴𝗲𝘀 𝗖𝗼𝗺𝗶𝗻𝗴 𝘁𝗼 𝗡𝗔𝗖𝗛𝗔 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗶𝗻 𝟮𝟬𝟮𝟲 🚨 If you're a 𝗧𝗵𝗶𝗿𝗱-𝗣𝗮𝗿𝘁𝘆 𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗣𝗿𝗼𝘃𝗶𝗱𝗲𝗿 (𝗧𝗣𝗦𝗣) operating in the ACH space—especially in fintech—now is the time to act. NACHA is tightening its fraud monitoring expectations, and TPSPs are squarely in the spotlight. The 2026 rule changes 𝗱𝗲𝗺𝗮𝗻𝗱 𝗽𝗿𝗼𝗮𝗰𝘁𝗶𝘃𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 to detect: ✅ Originators with unusual ACH volumes ✅ Rapid-fire transactions from newly created accounts ✅ Behavior consistent with money mule activity At Unit21, we’re here to help you stay ahead. From customizable rules like: 📌 Flagging new accounts receiving $10K+ in 7 days 📌 Catching 80%+ outflows within 48 hours We make fraud detection and compliance 𝘴𝘪𝘮𝘱𝘭𝘦 𝘢𝘯𝘥 𝘱𝘰𝘸𝘦𝘳𝘧𝘶𝘭. 🔗 Dive into Nacha's expectations and how Unit21 can help: https://hubs.li/Q03QMSZ00
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