A really marvelous example of financial engineering, via email: https://inkind.com/ It's "0%* interest loans for restaurants" and all of the magic is in the asterisk.
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I particularly like their packaging for House Accounts, which feel to me like something basically every restauraunt with regulars should have available in some form or another. https://www.inkind.com/house-accounts
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House accounts, broadly, enable the transaction "You could pay me $10 for a burger or you could pay me $1,000 for 100 burgers. What do I need to do to get you to pick option #2?" I've only ever had one at a tiny bar in Gifu but they're such a magic UX.
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(For folks who have never had this interaction before: "Your total for today is $56.80, Patrick. Should I charge your account?" "Yes." "OK see you next time!" (plus optionally a reminder of what the remaining balance is) )
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("Why would a tiny bar in Japan offer that and what do their clients get from it?" Because businesses broadly benefit from having cash flow earlier, because that bar expects to be in business for 40+ years, and because it announces to client's table "He's a regular here.")
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("Why would a client want you to announce to their table that you were a regular at the hip bar?" Well you might have a date or business partner at the table who you were trying to impress and, prior to Instagram, this was a useful way to have hip waitstaff say "He's got taste")
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End of conversation
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Speaking of things which seems very much your sort: I don't understand why securitization of maintenance on second hand cars isn't a thing. The people who buy such vehicles are the perfect customers for insurance -- being able to predict monthly costs would be great for them.
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I honestly was most interested in how you found this. "Person on the internet emailed me thinking this was up my alley. They were correct" is exactly the answer I would hope for
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At first I thought you were just describing a merchant cash advance with a new wrapper, but looking at their website the model is legitimately innovative. Their marketing should really lead with what makes them different. Business owners get deluded with generic financing offers.
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