Flute Partners with Jaris to Bring Embedded Capital to Small Merchants

The disconnect between merchant needs and available funding remains significant. According to Flute’s internal surveys, nearly 40% of operators sought additional cash for growth or expenses over the past year, yet fewer than 7% approached their payment providers for support. By leveraging existing transaction history, the platform now allows business owners to secure bank-approved funding without the traditional administrative burden of bank visits or personal credit exposure.

This integration provides two primary features: working capital loans and instant payouts. The former utilizes transaction data to determine eligibility, while the latter allows merchants to access sales revenue on weekends and holidays rather than waiting for standard settlement cycles. With Jaris providing over $1 billion in capital capacity, the collaboration targets the blurred lines between business and personal finance that often plague owner-led enterprises. As CEO Derek Dean noted, the goal is to transform payment history into actionable financial tools, keeping the entire lifecycle of a transaction within a single, manageable interface.