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Turn SMB Data Into Financial Insights That Drive Growth

9Spokes helps banks, fintechs, and merchant aggregators transform consented SMB data into actionable financial insights. Use connected banking, cashflow, merchant, credit card, and business app data to deepen customer relationships, identify risk, and uncover growth opportunities.

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WHO WE SERVE

Built for the Institutions Powering SMB Financial Growth

Banks/Fintechs

Deliver consented SMB data and financial insights through digital experiences that help business customers understand and act on their financial position, while giving internal teams the portfolio intelligence needed to build stronger relationships. 

Merchant Aggregators

Unify commerce, settlement, transaction, and business performance data to strengthen engagement and support better merchant experiences.

THE 9SPOKES PLATFORM

One Platform. Two Connected Experiences. Better SMB Relationships.

9Spokes is a white-label open banking data platform that transforms complex, consented business data into clear insights. By aggregating consented data from banking, merchant, credit card, cashflow, and business app sources, 9Spokes helps banks, fintechs, and merchant aggregators deliver a more useful digital experience to SMB customers while giving internal teams the insight to manage risk, personalize engagement, and grow share of wallet.

Platform

SMB FINANCIAL HUB

A White-Label Financial Dashboard That SMB Customers Will Use

SMB-1The SMB Financial Hub gives small business customers one place to understand their financial position across cashflow, accounts, merchant activity, credit cards, and connected business apps, like general ledger, sales platforms, marketing performance, including social media ad tracking, and more. Delivered through your digital channels and under your brand, it transforms real-time data into intuitive dashboards and automated insights that help SMBs make faster, smarter financial decisions.

Explore the SMB Financial Hub

CUSTOMER INSIGHTS HUB

Portfolio Intelligence for Stronger SMB Relationships

Insights (2)The Customer Insights Hub gives business banking, credit, product, marketing, and lending teams a clearer view of SMB customer health across the portfolio. With visibility into customer needs, risk signals, wallet share, and growth opportunities, teams can prioritize outreach, personalize support, and act earlier when customers need attention. 

 

 

See how Customer Insights Hub helps RMs

POWERFUL FEATURES

Discover some of our exceptional functionalities below:

Banking-1
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Multi Bank
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Cashflow
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General Ledger
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Merchant
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Business Apps
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Insights-2
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Credit Card
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Elevate your customers' digital financial experience by harnessing the strength of actionable insights

TESTIMONIALS

Unlocking Insights, Strengthening Relationships, Delivering Value

“The insight and data integration upgrades create incredible convenience for entrepreneurs to manage their businesses’ complete financial picture.”                                                                            

Head of Small Business Banking

“The seamless data visualization and integration tools empower small businesses to make informed decisions with a clear, real-time view of their financial performance.”

Small Business Advisor

“The partnership we have signed with 9Spokes is merely the beginning of what we know will lead to enhanced experiences and benefits to our business customers.”

Group Business Director

WHY 9SPOKES FOR INDUSTRY LEADERS

Driving Insights and Innovation for SMBs

9Spokes partners with banks, fintechs, and financial institutions to deliver unparalleled value to their SMB customers by providing vast insights and driving digital transformation in the competitive business banking market.

Seamless Brand Experience

Empower your business with a fully white-labeled platform that integrates seamlessly into your existing online presence, preserving your brand identity and digital vision.

Trusted, Enterprise-Grade Platform

Our platform scales effortlessly to serve major financial institutions like Bank of America, delivering proven reliability and expertise for your business.

Unmatched Data Security & Integrity

Achieve the highest standards of data security with ISO certification and direct API connections, eliminating screen scraping for guaranteed accuracy and integrity.

Fueling Rapid Digital Transformation

Our strategy focuses on creating a compelling working capital health proposition by seamlessly integrating solutions from multiple vendors, helping you stay ahead in a fiercely competitive market.

Meeting Evolving Customer Needs

Whether you seek integrated solutions or a Single Sign-On (SSO) platform, our proven capability empowers us to tailor and embed experiences that perfectly align with you and your customers.

Consented Data Connectivity

By bridging the data gap between SMBs and bank relationship managers, we enable deeper insights into customers' financial health, attracting new clients and enhancing relationships.

Proven results

A platform financial institutions build on and SMBs come back to

800+
Data sources

connected across banking, accounting, POS, and more

800K+
SMBs on platform

with a tier-1 banking partner

45%
DAU/WAU ratio

nearly half of weekly users are active daily

25%
More approvals

on thin-file credit applications through data enrichment

Platform metrics and results with leading global and tier-1 financial institutions.

Frequently Asked Questions

What is 9Spokes?

9Spokes is a white-label SMB financial insights platform that helps financial institutions aggregate consented business data, deliver actionable insights to SMB customers, and equip internal teams with portfolio intelligence — all under their own brand. 

What is an SMB financial insights platform?

An SMB financial insights platform is software that financial institutions embed into their digital channels to help small business customers connect financial accounts, aggregate business data, view cashflow, analyze trends, and receive actionable insights. For the institution, it converts fragmented SMB data into engagement, retention, and growth opportunities while helping the SMB get the answers it needs about its financial health.  

How can banks use SMB data to strengthen customer relationships?

By aggregating consented banking, cashflow, merchant, and business app data, banks can give SMB customers clearer financial insights while equipping relationship managers with portfolio intelligence for more timely, relevant conversations.  

What is the difference between a customer-facing SMB dashboard and a banker-facing insights hub?

The SMB Financial Hub is the customer-facing dashboard where business owners view their financial picture. The Customer Insights Hub is the banker-facing tool that gives internal teams portfolio intelligence across all SMB customers.  

Who uses 9Spokes?

9Spokes is built for banks, fintechs, financial institutions, and merchant aggregators that want to deliver white-label financial insights to their SMB clients through their own digital channels.  

How does 9Spokes work?

9Spokes connects consented data from banking, merchant, credit card, cashflow, and business app sources, then turns that data into SMB customer-facing dashboards and internal portfolio insights for banks/financial institutions.

How can merchant aggregators use 9Spokes?

Merchant aggregators can unify SMB transaction, settlement, and net sales data into a single white-label view — strengthening merchant engagement and reducing reliance on disconnected reporting tools.  

How does 9Spokes help financial institutions serve SMB customers?

9Spokes helps financial institutions aggregate consented SMB data, deliver white-label financial dashboards to business customers, and give internal teams portfolio-level insights they can use to personalize engagement, identify risk, and uncover growth opportunities.  

How does consented data support SMB lending and risk management?

Direct, consented API connections give institutions an accurate, real-time view of SMB cashflow and financial health, supporting better-informed lending decisions and earlier risk detection.  

Ready to Turn SMB Data into Growth?

Help your SMB customers make smarter financial decisions — and give your teams the insight to build stronger, more valuable relationships. 

Request Demo