Marwan Forsley

So there are partners that we have that are in the balance sheet business, and they're very good at scaling that.

You know, my business is more payments related, more customer experience.

And so I'd like to stick to the things I know and then hand it off to people

partners that this is their sweet spot.

That way, it creates complimentary offering and we are able to scale that program without having to figuring out to raise the capital over time.

Robert Leonardus Yeah.

This is a new program that we have that we just launched, like literally like a month ago.

I'm not sure where we're at.

It's like a brand new program.

I tell you though, capital, access to capital is something that SMBs want, like there's demand for it.

There's a reason why BNPL is a hot thing these days because there's a general demand in the market for these types of products.

You know, what's interesting is if you look at Square, it's a really good, interesting case.

Square Payments is the engine that was created first.

Square Capital landed second.

Square Capital now is a big thing.

And actually, the whole concept of embedding capital to payments is a hot topic.

Because if you look at where capital has scaled in the past, it's situations where it is embedded into something else.

Payments is a natural thing.

It's the same trend with PayPal, PayPal and PayPal credit.

You'll see the same thing with Intuit.