Introducing Tearsheet’s Acquire Awards 2023

Awards, Banking

The power of one: How Citizens’ new open banking API framework came to life

• Open banking is often sold as a consumer perk, but its toughest test is in commercial banking, where stitching together ERPs, accounting software, and multiple bank relationships can be expensive and messy.
• With its open banking API redesign, Citizens addressed this challenge and took home Tearsheet’s 2025 Big Bank Theory Award for Best New Embedded Finance Platform.

Awards, Embedded Finance, Payments

Embedded credit done right: Why Gusto’s Payroll Bridge wins big for SMBs

• Gusto’s Payroll Bridge won the Best Embedded Finance Product for SMBs at the 2025 Tearsheet SMB Finance Awards.
• Dan Loomis, General Manager and Head of Product at Gusto Money, shares how Payroll Bridge took shape to better support SMBs’ day-to-day operations.

Announcement, Awards

The Best in SMB Finance: Announcing Tearsheet’s 2025 Winners

• Tearsheet’s SMB Finance Awards highlight the top performers and breakthroughs in financial services for the SMB sector.
• Among the standout winners this year are U.S. Bank, Extend, Intuit, Gusto, and Brim Financial, all making an impact in SMB finance.

5 questions, Awards, Embedded Finance

“Reaching $1 billion in annual funding offers was a learning moment”: Lendflow’s Founder and CEO, Jon Fry, on how that figure became a springboard for internal innovation

• Lendflow was recognized as 'Best Overall Embedded Finance Platform' at this year’s Tearsheet Big Bank Theory Awards.
• Jon Fry, Founder and CEO of Lendflow, says the platform’s real strength lies in its foundation, a system built to connect, automate, and enable embedded credit at scale.

5 questions, Awards

The making of ‘Business Essentials’: How U.S. Bank is changing the SMB banking game with its all-in-one checking account

• U.S. Bank’s Business Essentials was named ‘Best New Product’ at Tearsheet’s Big Bank Theory Awards 2025, a nod to the clarity of its vision and execution.
• U.S. Bank’s SVP and Product Lead, Mary Miklethun, explains the strategy and internal efforts behind developing a more nimble, customer-focused SMB product.