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FinTechs and SMBs - The Future Is an Embedded Lending
I think there's still a lot of faith in the institutional investment community that small businesses can survive and thrive through this. From a cost of capital perspective if you are a FinTech serving SMBs you're in a much better position than if you're doing lending to thinner file consumers. I think what we're bullish on at unit is that the future is an embedded lending and in software companies being the financial service providers of the future.