These episode discusses how credit unions can better serve small and medium-sized businesses (SMBs) by extending their offerings beyond just invoice payment processing. The discussion highlights the SMB money cycle, illustrating that current banking solutions address only a fraction of this process. Providing a more comprehensive suite of tools, such as direct invoicing capabilities, would help credit unions retain assets and members who might otherwise turn to fintech companies. By supporting the entire cycle from invoicing to payment receipt, credit unions can become the primary financial institution for their business members and gain a deeper understanding of their financial needs. This approach offers benefits for both the business members and the credit unions, potentially leading to greater member satisfaction and profitability.