Embedded Advantage | Four Rounds, 24-Hour Payouts: How a Fish & Chip Shop Beat the Odds

A NEWSLETTER AFFILIATED TO

Editor’s Pick 📌

🍟 Overheard at the Chip Shop: What Four Rounds of Funding Did for Henley’s

Henley’s of Wivenhoe isn’t your average chippy. After 40 years in business, this award-winning fish and chip shop is still expanding—even as local competitors cut back.

So what’s the difference?

A recent case study explores how Henley’s unlocked growth through a seamless embedded finance experience, accessed directly via their payments provider. In partnership with Worldpay and Liberis, the business secured four rounds of funding—with capital landing just 24 hours after application.

💡 Highlights:

• Built a new outdoor pick-up station, creating a fresh revenue stream

• Saw a 20% uplift in turnover, even in a tough trading climate

• Replaced friction with transparency, speed, and repeatable access to capital

It’s a clear example of how smart finance—delivered inside the tools businesses already use—can make growth not just possible, but practical.

👉 Read the full case study →

🎤 On the Ground at Money20/20? So Are We.

We’ve launched a dedicated publication sharing exclusive insights, interviews, and takeaways straight from the show floor: 👉 money2020.unofficialinsights.com

Want behind-the-scenes access?

Follow the Bobsguide team on TikTok and Instagram for real-time updates, speaker clips, and hot takes from the event.

Industry Trends & Innovation 💡

FINTECH INNOVATION

Embedded Lending Empowers Marketplace Sellers With Seamless Access to Personalized Financing

Embedded lending integrates financing directly into eCommerce platforms, enabling sellers to access tailored loans based on real-time performance data without leaving their marketplaces. Secure, scalable architecture and advanced risk assessments improve speed and accuracy, offering tangible benefits over traditional bank loans. Future enhancements will expand offerings and global reach.

FINANCING CHOICES

Firms Choose Bank Loans or Embedded Financing Based On Economic Confidence

Choosing between a traditional bank loan and embedded financing depends on a company’s economic outlook—confident firms prefer structured bank products for growth, while uncertain businesses seek flexible, quick embedded solutions despite higher costs. Most U.S. mid-sized companies favor traditional lending due to process transparency and established relationships. Embedded financing providers must build trust and tailor offerings to meet the varying risk tolerance and priorities of these businesses.

STRATEGIC PARTNERSHIPS

Mirakl Partners With Storfund To Offer Faster Payouts On 400 Marketplaces

Mirakl and Storfund’s new partnership allows businesses on 400 global marketplaces—including giants like Macy’s and Best Buy—to access daily payout financing, ensuring sellers get paid as soon as they ship. Faster payments mean better cash flow, flexible funding, and quicker growth in fast-paced eCommerce environments.

FINTECH EXPANSION

Byline Bank Grows FinTech Banking With New Hires and Payments Expansion

Byline Bank is expanding its payments and FinTech banking units by hiring experienced professionals from top banks, aiming to streamline services for virtual cards, payment processors, and eCommerce platforms. This expansion addresses growing demand for embedded finance solutions. U.S. stablecoin regulation is also shaping future payment integration.

BANKING INFRASTRUCTURE

Modern Banking Demands Infrastructure Built For Embedded, Automated, And Frictionless Financial Services

If you want to thrive in today’s financial world, focus on bank infrastructure—outdated legacy systems drag down traditional banks while API-driven, modular platforms let fintechs deliver seamless, automated services embedded in apps people already use. Banks sticking with siloed, manual processes will fall behind as customers now expect invisible, integrated financial options everywhere. Updating your technology or partnering with proven infrastructure providers isn’t optional; it’s how you’ll stay relevant and grow.

BLOCKCHAIN POLICY MOMENTUM

Lawmakers Push For Clear U.S. Blockchain Rules To Support Digital Assets

Congressional leaders are urgently calling for clear, bipartisan regulation of blockchain and digital assets, warning that U.S. competitiveness and national security depend on keeping pace with global developments. Recent legislation like the Stablecoin Act aims to ensure financial technology, including blockchain, is secure, accessible, and reflects core American values. For investors, policymakers, and developers, quick government action may mean lower costs, greater investment access, and a stronger role for the U.S. in shaping digital finance.

EXECUTIVE MOVES

BUX CEO Yorick Naeff Moves To ABN AMRO As Head Of Innovation

BUX CEO Yorick Naeff will transition to Head of Innovation at ABN AMRO in February 2026, following ABN AMRO’s acquisition of BUX. This move merges BUX’s fintech expertise with ABN AMRO’s resources, promising clients broader investment options like affordable access to SSGA SPDR ETFs. For investors and fintech professionals, this signals substantial expansion in digital asset opportunities and client-facing technology.