The international arm of Ant, the online finance company co-founded by Jack Ma, is making inroads in Latin America through a strategic investment in embedded lending firm R2 https://t.co/RPy6HVG5Gj ...

Core Insights - Real Brokerage Inc. (NASDAQ:REAX) has launched Real Wallet Capital, an embedded lending solution aimed at providing agents in the US with quick access to working capital [1][3] - This initiative is the first of its kind in the residential brokerage industry, addressing financial challenges faced by independent real estate professionals [2][3] - Real Wallet Capital is integrated into the proprietary software platform reZEN, which continuously underwrites credit based on agents' historical earnings, pending transactions, and projected future income [2][3] Company Overview - Real Brokerage operates as a real estate technology company in the US and Canada, focusing on enhancing agent success through innovative financial solutions [3]

Core Insights - PayPal has surpassed $30 billion in global loan originations for small businesses since 2013, providing over 1.4 million loans to more than 420,000 business accounts worldwide [1][2] Company Offerings - PayPal's merchant lending solutions, including PayPal Business Loan and PayPal Working Capital, aim to assist small businesses in accessing capital, featuring a streamlined online application process with funding available within minutes [2][3] - PayPal Working Capital, launched in 2013, is available in multiple countries and is repaid as a percentage of the borrower's PayPal sales [3] - PayPal Business Loan, introduced in 2017, offers term loans with fixed repayments and is accessible to businesses regardless of whether they use PayPal for payment processing [4] Market Trends - Embedded lending solutions are increasingly favored by small- to medium-sized businesses (SMBs) seeking funding for unplanned expenses or growth, with 37% of SMBs showing high interest in switching to providers offering such options [5] - In 2023, small business loans saw a decrease as lending standards tightened, with a reported 5.1% decline in small business loans originated [5]