Small businesses are owed over one trillion dollars in unpaid invoices. Host Tedd Huff the CEO of Voalyre a Fintech advisory firm and Founder of Fintech Confidential sits down with Prashant Fuloria, CEO of Fundbox, to discuss how embedded finance transforms working capital access for business owners managing teams of one or two while juggling payroll, invoicing, and growth decisions. Prashant left senior roles at Google, Facebook, and Yahoo to help solve this massive cash flow crisis affecting hundreds of thousands of entrepreneurs.
This conversation covers how Fundbox embeds financing directly into platforms like QuickBooks and Stripe, eliminating lengthy applications and delivering instant capital when business owners need it most. Prashant explains why leadership culture drives sustainable growth, how daily team huddles prevent executive isolation, and why transparent partnerships built on trust outperform traditional direct marketing. The episode reveals practical strategies for scaling fintech platforms while serving underserved small businesses with flexible, responsible lending.
1️⃣ Use continuous platform integrations that monitor business health in real time and automatically adjust credit offers as revenue grows.
2️⃣ Remove lengthy forms by using existing platform data from accounting software or payment processors to complete underwriting instantly.
3️⃣ Access immediate capital when trucks break down or equipment fails without waiting for traditional loan approval timelines.
4️⃣ Structure financing to align with actual cash flow patterns rather than rigid monthly schedules that ignore seasonal business cycles.
5️⃣ Embed financing into industry-specific software platforms to create a one-stop experience where owners never juggle multiple logins.
Guest
Prashant Fuloria
LinkedIn: https://www.linkedin.com/in/prashant-fuloria/
Company
Fundbox
Website: https://fundbox.com/
LinkedIn: https://www.linkedin.com/company/fundbox/
X: https://x.com/Fundbox
YouTube: https://www.youtube.com/@Fundboxcom
Fintech Confidential
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Podcast: https://fintechconfidential.com/listen
Newsletter: https://fintechconfidential.com/access
LinkedIn: https://www.linkedin.com/company/fintechconfidential
X: https://x.com/FTconfidential
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Facebook: https://www.facebook.com/fintechconfidential
Supporters
Under: Streamlines application and underwriting with digital form processing. https://under.io/ftc
Skyflow: Zero-trust data privacy vaults as an API to secure and tokenize personal information. https://skyflowsecure.com
Dfns: Wallets as a service secured with MPC; powers crypto payments across 50+ networks. https://fintechconfidential.com/dfns
Hawk AI: Real-time screening and ML monitoring to strengthen fraud and financial-crime prevention. https://gethawkai.com
About
Prashant Fuloria is CEO of Fundbox, a product and technology leader with 25+ years of experience building platforms at Google, Facebook, and Yahoo. At Fundbox he has supported more than 500,000 SMBs and unlocked over $5 billion in working capital.
Fundbox is an embedded working capital platform built for SMBs using accounting, payments, and vertical SaaS tools. By integrating with QuickBooks, FreshBooks, and other platforms, Fundbox provides fast, flexible credit using AI-powered underwriting and real-time data.
Tedd Huff is Founder of Voalyre, a fintech advisory firm, and host of Fintech Confidential. Over 25+ years, he has contributed to FinTech startups as an Advisory Board Member, Co-Founder, and Chief Experience Officer at Global Payments, Heartland, Nuvei, and TSYS.
Chapters
00:00 Highlights
00:17 Challenges Faced by Small Businesses
00:31 Customer Segmentation Struggles
01:35 Under - Sponsor
02:05 Welcome to Leaders One-on-One
02:32 Prashant's Background
05:54 Connection to Fundbox Mission
06:33 Technology Levels Playing Field
07:55 Misunderstandings About SMBs
09:13 Trillion Dollar Opportunity
11:06 Leadership and Culture
14:29 Skyflow - Sponsor
17:55 Daily Leadership Huddles
18:53 Creating Psychological Safety
19:25 Intellectual Curiosity
21:03 Customer Segmentation
22:13 Ideal Fundbox Customer
23:34 Common Capital Use Cases
25:41 Unique Capital Uses
27:47 Embedding Financing Solutions
28:04 Cash Efficient Acquisition
30:48 Great Partners
32:10 Customer Data Decisions
34:41 Direct vs Partnership
37:45 Dfns - Sponsor
39:58 Future of Embedded Finance
42:05 Alignment of Incentives
44:35 Education and Transparency
46:58 Advice for Founders
47:55 Closing Thoughts
50:22 Hawk AI - Sponsor
51:06 Disclaimer
