SMS
Short, high-open-rate nudges: reminders, status updates, time-limited offers. No downloadable template exists yet: see the guidance below for how to run it.
SMS has the highest open rate of any channel. For time-sensitive nudges, like an application about to expire or a limited-time rate, it cuts through in a way an email sitting in an inbox doesn't.
Frequency
Sparingly, and only for genuinely time-sensitive or high-value moments. SMS fatigue kills the channel fast, so reserve it for things email can't do in time.
Tips & best practices
One idea, one link
There's no room for nuance: lead with the single most important fact and one clear next step.
Trigger on the moment, not the calendar
An abandoned application, an approaching deadline, funds disbursed: send on real events, not scheduled blasts.
Always give an easy opt-out
Protects deliverability and trust for every other channel you run, not just this one.
Examples
Business financing
Templates
No template exists for this channel yet: it's listed so the gap is visible rather than fabricated.