Tier 3Small business lending and insurance data marketplaces

Let small businesses get paid for data lenders already buy

Lenders and insurers already pay for revenue signal. MoneyLayer helps aggregators build a cleaner market where small businesses contribute that data with consent, keep a portable record, and share in the upside.

Right now the underwriting data market works backwards. Buyers pay for stale or inferred revenue signal, while the businesses creating the real signal see none of the value.

Coordinator
Aggregator (MoneyLayer or partner)
Participants
Small businesses across verticals
Data value
Live, underwriting-grade revenue data; a marketplace where small businesses earn from their own data.
The coordinator pattern
Coordinator, participants, and MoneyLayerOne coordinator collects structured data from many participants. MoneyLayer upgrades that mandatory flow with receipts, connected totals where possible, and settlement-ready outputs.Coordinatorcollects · settlesParticipantsowe structured dataMoneyLayerreceipts · provenance · settlement-ready rollups

MoneyLayer gives aggregators the infrastructure to run that market in a cleaner way: explicit consent, clear provenance, portable records for the business, and a revenue share that actually flows back to the participants supplying the data.

What this looks like today

Lenders and insurers buy data from bank aggregators and traditional bureaus. The signal is stale, inconsistent, and the small business whose data is being monetized sees zero of the revenue.

At the same time, alternative lenders and insurtechs are paying real money to acquire underwriting-grade revenue data. The mismatch is obvious; the infrastructure to fix it is not.

Lenders and insurers buy data from bank aggregators and traditional bureaus.

Where the data value lives

  • Underwriting-grade, consent-first live revenue per participating business.
  • Portfolio-level signals lenders and insurers will pay for.
  • A revenue share that flows back to the participating small businesses.
  • Provenance and audit trails strong enough for a regulated buyer.
  • Portable records the business owns even if they leave the marketplace.

How MoneyLayer fits

  1. Stand up the aggregator agreement. One aggregator (us, a partner, or a coalition) defines the data contract with participating small businesses and with data buyers. Consent, scope, and revenue share are explicit.
  2. Pull participant data with consent. Connected POS, connected accounting, and structured self-report where needed. Every record carries provenance and scope.
  3. Distribute revenue back to participants. Buyers pay the aggregator. The aggregator distributes back to participants per the agreed share. Participants see the same settlement and receipts they would in any other coordinator pattern.

Good fit / not yet

  • Good fit: aggregators, trade associations, or franchise networks with a willing buyer on the other side.
  • Good fit: lenders or insurers partnering with an aggregator to build a bespoke pool.
  • Not yet: speculative pools without a buyer commitment.
  • Not yet: consumer-data pools — those are a separate coordinator family.

FAQ

Is this a data broker?

No. A broker collects and resells without consent. MoneyLayer's model is consent-first, participant-compensating, with provenance strong enough to stand up to a regulated buyer.

Who runs the aggregator?

An existing coordinator (trade association, franchisor, co-op) or a dedicated aggregator MoneyLayer helps stand up. The coordinator role is not optional.

What about privacy and regulation?

Consent and data-minimization are core design constraints. Regulated buyers will not accept anything else, which is a feature, not a bug.

See a data marketplace pilot

Bring one aggregator and one serious buyer. We will scope the consent model, provenance requirements, and revenue-share flow around a real first pool.

Scope a marketplace pilotBack to all coordinator patterns