[PeterisP]

I'm a bit confused about "the regular combo of payment service provider + bank + loan company" - from what I see (perhaps it's a difference between markets?), all that you describe is exactly what most commercial banks offer to businesses, they want to have it all in one place, they can make a better loan offer if they have your cash flows, etc. The main difference between them and Stripe is that a bunch of banks will not do the IT integration part of card payment processing but will only be the 'merchant bank' handling the financial part and settlement after e.g. some merchant gateway routes the individual messages, but they were offering the combo of card acceptance/accounts/payroll/loans/credit lines/etc decades before Stripe existed.