Industry: Finance
Focus: Business Banking
Pain Severity: 8
TAM Access: 8
Payback Speed: 9
Retention Hook: 8
MVP Viability: 9
Score: 8.4

Why Lucrative: SMBs want flexible terms. Lenders need to track utilization and risk. BNPL is maturing into infrastructure.

Your Edge: Fintech credibility + low-reg approach to lending tooling

User Pain:

• “Our merchants can’t offer terms without real-time controls.”
• “We can’t scale without better repayment visibility.”
  Wedge: Non-bank SMB lenders, vertical SaaS with lending add-ons
  Build:
• Admin dashboard to create term offers, monitor drawdown, auto-remind
• No-code (Glide/Table + Twilio + Stripe/Balance) for V1

Rev Path: SaaS monthly + rev share on volume for power users