Lenders price loans by interest rate. E-commerce merchants price loans by interest rate and by how fast the money lands.
A receivable that takes a bank two to six weeks to underwrite can be priced, originated, and funded on-chain in days. That isn't a small efficiency gain — it's a structural advantage that compounds across every cycle the merchant runs.
Faster capital means faster inventory turns, faster ad spend, faster reinvestment of every dollar earned. Over a year, the borrower who got funded today instead of in three weeks isn't just earlier — they're running a different business.