Small business lending is still not a solved problem in this country, or anywhere around the world for that matter, despite a decade or more attacking the problem. But today, we are seeing some new business models and new go-to-market approaches that have the potential to make a huge difference. My next guest on the Fintech One-on-One podcast is Luke Voiles, the CEO of Pipe. Luke has been around fintech for many years and he became CEO of Pipe about a year ago now. He has a different perspective on small business lending and how to make it work best for the lender which he goes into in some depth in this episode. In this podcast you will learn: Some of the big names in fintech where Luke has had leadership roles.Why he decided to take on the CEO role at Pipe.What he did in his first weeks as CEO to fully understand the state of the company.How he describes Pipe today.How their working capital product works and where they sit in the payments flow.The size of the small business they will lend to.Why it is so important to get the payments data for their underwriting.How they inject themselves into the payments flow so they are paid first.Why vertical SaaS companies are the new community banks (see Luke's article here).Luke's thoughts on Section 1071 of Dodd-Frank and why it is a good thing for fintech.How Pipe is accessing the capital they need to lend.Why we haven't yet solved the small business access to capital problem.Why they are not concerned with the expense side of a business.The vision for Pipe for the next five years.Connect with Luke on LinkedIn Connect with Pipe on LinkedIn Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes