Luke Voiles

For years, limited access to capital has been the #1 issue for SMBs. Pipe's Embedded Capital-as-a-Service is our answer to this pressing need. By turning live transaction data into more inclusive funding, we’re helping Payfacs and ISVs solve their merchants’ biggest problem.

@regulatorynerd Nodded in agreement the entire time I read this. Good stuff.

Horizontal fintech never gave landscapers or restauranteurs an "aha" moment. @Pipe CEO @LCSVoiles nails why vertical SaaS is winning. When software actually understands the daily grind (inventory, scheduling, routing techs, ordering parts), it stops being a tool and starts feeling like a friend who has your back. This clip’s from the finale of our Vertical SaaS: Fintech Disruption by a Thousand Cuts miniseries, cohosted with @Pipe. Increase Founder & CEO Darragh Buckley joins Luke and me for Episode 6, “Scaling Up,” where we unpack how specialized workflows, embedded finance, and smart infrastructure are rebuilding financial services, layer by layer. Watch the clip and catch the full episode here: podcasts.apple.com/us/podcast/fin…

How is fintech redefining credit access? Join leaders Ratinder Bedi (@PayPal), @LCSvoiles (@Pipe), Ana Lynn Bukberg (@Square), and moderated by Michelle Young (@Plaid) at @Money2020 to explore how cash flow data is powering a new era of inclusive lending.

Parents aren’t supposed to have favorites. Businesses don’t get that luxury. That’s Bryan Solar’s lesson as CPO of @SpotOn, a vertical SaaS operating system for independent restaurants. Choosing independent restaurants as SpotOn's primary customer segment means going deep instead of broad; obsessing over details like the wrong button in a bartender’s workflow (which can make or break a night) and knowing when to build vs. partner in embedded finance. Vertical SaaS wins because no one knows the customer better. Every product decision flows from that insight. In Episode 2 of Vertical SaaS: Fintech Disruption by a Thousand Cuts — a new miniseries sponsored by our friends at @pipe! — @LCSVoiles and I sit down with Bryan to unpack what true customer centricity looks like in vSaaS, and how (when done well) it becomes a right to win. Watch the clip and catch the full episode here: podcasts.apple.com/us/podcast/fin…

You can watch the full episode here: pipe.com/fintechtakes

Sometimes it takes complexity to make things simple. In fintech, our goal is to make finance as simple as possible for our customers. In an embedded b2b2b solution, that has layers. We help our partners solve problems for their customers. It’s hard to build, but it makes things easier for customers two layers deep. @SpotOn is a great example of how to simplify life for your customers, and I had a great time talking about their approach with Bryan Solar and @AlexH_Johnson.

Vertical SaaS is rewriting the small business playbook. Nail salons, plumbers, and pizza shops can now manage bookings, payroll, and borrowing from a single platform, without ceding control. The scale may surprise you. These platforms are growing fast because they solve the real, daily challenges of SMB owners. That’s why it’s the topic of our new miniseries, Vertical SaaS: Fintech Disruption by a Thousand Cuts (sponsored by our friends at Pipe). In Episode 1, I sit down with @LCSVoiles, CEO of @pipe, to unpack why vSaaS is the perfect channel for embedded finance. And how platforms like SpotOn and Housecall Pro have become operating systems for entire industries. Check out the clip of Luke defining vSaaS in the simplest terms👇 and catch the full episode here: podcasts.apple.com/us/podcast/fin…

Had a great time sitting down with @AlexH_Johnson and recording our new series on vertical SaaS and embedded finance, along with some great guests.

1/ We’re gearing up for the inaugural @FintechNerdCon! Can’t wait to see FTA member company leaders take the stage: 🗓️ Nov 19–20, 2025 | 📍 Miami, FL

Big moment for the team. Proud to announce our integration with Uber Eats to embed capital directly into Uber Eats Manager, where restaurant owners manage their day to day operations. This is what the future of finance looks like: simple, fast, and built into the workflow.

@rohanpaul_ai Never seen a mountain bike race on a course like that. Pretty cool though.

This is just so incredible. 🤯 Competitive level mountain biking capability in a Robot. By RAI Institute uses reinforcement learning and custom mechanics to jump, flip, and stay balanced over rough terrain. The Ultra Mobility Vehicle mixes wheel efficiency with leg-like jumping to push ultra mobility far beyond what normal wheeled robots can do. The lower half is a carbon fiber bike frame with 2 motors for steering and drive, and the upper half is a 4 motor jump system that carries power and compute in a protective head running controllers for acceleration, rotation, and jump height. Mass is placed high to store energy for takeoff, the light bike section tucks midair, and the Z shaped body expands from 80 cm to 152 cm during a jump. Total mass is 23 kg, which is light for lift off yet sturdy for hard landings and crashes during testing. Sensing covers the body and the world using joint encoders, inertial measurement units, high speed time of flight height sensing, light detection and ranging (LiDAR) mapping, and a forward camera for lab landmarks. Skills are learned in simulation with reinforcement learning, where a policy tries moves, gets rewards for progress on goals like driving and balancing, and keeps the moves that work. After millions of trials the best policy is deployed on hardware, then engineers adjust rewards and retrain until the real robot behavior matches the target. The main hurdle is the sim to real gap, handled by randomizing things like link masses, motor constants, and ground friction, and by improving physical models of wheels, impacts, motors, and battery voltage sag. With this setup the robot can jump onto and off a 1 meter table, do front flips, hold long wheelies, and hop continuously on the rear wheel. Custom tuned batteries deliver high power with minimal mass while meeting safety standards, which keeps the system both punchy and safe. ---- Read more on their blog rai-inst .com/resources/blog/designing-wheeled-robotic-systems/

Small businesses are more optimistic right now, even in the face of growing uncertainty. Why? Maybe they know something "big finance" doesn't. 🧵1/12

@ericjackson @rabois @shrisha @yang_guo @shrisha is a founder mode rockstar that cares about his people and his customers. You may want to leave him in seat longer.

Thank you @rabois for your intelligence and support Thank you @shrisha and @yang_guo for your heads down can do attitude and class And most of all thank you to an incredible WORLDWIDE $OPEN Army!!! We did it.

@Curiousjorge65 @bryce @jasonlk Do you have the growth adjusted metrics?

@jasonlk Ya the pricing difference is hard to fathom. Redpoint shared this a few days ago. The chasm just keeps on widening! And folks wonder why there are no SaaS IPO's.

Ooof. Top Cloud/AI stocks down -3.15% today.

Launching an embedded financial product in a new country can be agonizingly slow, unless you've built for global scale, with these three pillars in mind: pipe.com/resources/arti…

@arampell Try moving it to your Chase checking account first. Then use the app to wire it out. You may have to go into a branch to get it done though.

Bad financial services are a regressive tax It’s why I’m so pro-fintech, pro-open banking, and pro-crypto Competition makes markets work Fintech automates away the need to spend hours on hold to stop being held hostage by a crappy bank or product (Moving my son’s Chase Savings account yielding 0% APY; they’ve blocked the transaction twice, we’ve spent hours on hold, and they hung up on us yesterday. No wonder they hate open banking)

Olajide and his team created a space to honor their African heritage through food. But behind the scenes, like so many small businesses, they were navigating tight margins and rising costs. A capital offer, embedded in the Priority payment platform they already trusted, gave them breathing room to keep going and keep growing. This is what happens when access meets intention. Watch the story: #SmallBusinessBigDreams

When we talk about designing for real needs, this is what we mean. Brooke and Zanbria couldn’t find the high-quality, consistent braiding experience they wanted, so they built it. What started as a pop-up became Swella, a modern braid bar blending care, tech, and culture. Their vision is bold, but the barriers were real. Traditional funding didn’t work for their model. That’s why embedded capital—built right into our partner platform, Boulevard—made such a difference. I had the pleasure of visiting their new location in Charlotte and spending the afternoon talking to Brooke and Zanbria. These founders are making the right hair care experience more accessible, and we’re proud to help make growth capital more accessible for them too. #SmallBusinessBigDreams @joinblvd

Jake Miller’s story hits home. After a devastating accident ended his military career, Jake found a new calling, ensuring families across North Carolina have reliable access to clean water. He launched Ridgeline Well & Pump with $15K and sheer determination. When traditional credit wasn’t an option, he tapped into capital through a tool he already used, @housecall Pro. That offer helped him expand and keep building. This is why embedded capital matters. We’re not just talking about money; we’re talking about momentum. But I’ll let Jake tell you the story himself.