Small business lending reimagined with AI-powered solutions

We provide underwriting intelligence tools to help businesses make more informed decisions about their credit decisions.

Schedule a demo

Our technology advantage

When we first started out as a direct lender for small businesses, we began our journey into technology by constructing a comprehensive database detailing the performance of small business loans over the course of 30 years. This database contains the financial statement histories of millions of companies from all over the world, allowing us to identify the most important markers of creditworthiness. Since introducing our CHARM™ platform in 2012, the rate of non-performing loans that our platform has granted has decreased to less than 0.8%.

Targeted effectiveness metrics

30%

Expansion

More approvals, less risk

40%

Decrease

Reduce underwriting workload

75%

Reduction

Faster credit memos & decisions

5x

Increase

Expand capacity in triggered loan reviews

Reimagine Banking. . . Welcome To SMB 2.0

It’s all about Digitized credit process, API-permissioned data pulls, continuous automated analysis, AI-leveraged trend spotting, ongoing learning, enhanced objectivity, and more. SMB 2.0 effectivley addresses lending pain points by delivering low-cost underwriting, improved client interactions, frictionless applicant data ingestion, automated credit memos, and intelligent portfolio monitoring.

Life cycle view

Continuous feed

Global

AI augumented

Multi-dimensional

Transparent & explainable

Predictive

Intelligence that empowers

It’s all about Digitized credit process, API-permissioned data pulls, continuous automated analysis, AI-leveraged trend spotting, ongoing learning, enhanced objectivity, and more. SMB 2.0 effectivley addresses lending pain points by delivering low-cost underwriting, improved client interactions, frictionless applicant data ingestion, automated credit memos, and intelligent portfolio monitoring.

Financial

Company level financial statements, Spending patterns, Capitalization, Cash flow volatility, Debt coverage ratios

Behavioral

Ownership and Management backgrounds, Affiliations, Personal credit profiles, Lawsuits, Liens, Bios, Reputation, Social media

Environmental

Macro trends by industry, Sector cycle performance, GDP, Employment, Interest Rates, Energy Costs, Shipping Activity

Our team

Full Name
Title
Full Name
Title
Full Name
Title
Full Name
Title
Full Name
Title
Full Name
Title
Full Name
Title
Full Name
Title
Full Name
Title
Full Name
Title
Full Name
Title
Full Name
Title
Backed by the best
Toogether logo

Accelerate the journey to better SMB lending

Thank you! Your submission has been received!
Something went wrong, please try again.