AI-Powered Precision: Smarter Funding, Faster Decisions

Before determining funding eligibility, our algorithm constructs a holistic financial profile of each business. Unlike traditional lenders who rely on outdated credit scores, we assess:

• Time in Business – A longer operational history often signals stability, but even newer businesses can qualify based on real-time revenue trends.
• Industry & Sub-Industry – Certain sectors carry higher risk, while others demonstrate stronger long-term growth potential.
• Geolocation & Regional Economics – A business’s location influences its revenue cycle, overhead costs, and customer spending patterns.
• Competitive Debt Load – Evaluating existing loans, cash flow flexibility, and ability to sustain additional capital.
• Funding Purpose & Requested Amount – Ensuring the requested capital aligns with actual business needs and financial capacity.
• Credit Standing, Liens & Judgments – While we don’t rely solely on credit scores, legal and credit history still play a role in structuring offers.

💡 Why This Matters: Unlike banks that apply rigid lending criteria, our AI adapts to each business’s unique financial circumstances, offering funding solutions that make sense in the real world.

A business’s cash flow tells us more than any credit score ever could. That’s why our algorithm performs an in-depth financial health check based on 12 months of banking activity, analyzing:

• Transaction Frequency – The number of daily, weekly, and monthly transactions helps measure consistency and operational scale.
• Cash Flow Stability – We assess the ratio of incoming revenue vs. outgoing expenses to determine liquidity.
• Recurring Expenses & Overhead – Understanding fixed vs. variable costs helps us structure repayment plans that fit a business’s cash flow.
• Overdraft & NSF Activity – Businesses with frequent overdrafts or non-sufficient funds (NSFs) may pose higher risk, but our AI distinguishes between temporary setbacks and chronic cash flow issues.
• Deposit Variability & Seasonal Trends – Businesses with fluctuating revenue streams (e.g., tourism, retail) require seasonally adjusted underwriting models, which our AI seamlessly integrates.

💡 Why This Matters: Instead of rejecting businesses based on traditional risk factors, our AI understands the story behind the numbers, allowing for more accurate, fair, and accessible financing solutions.

At the heart of our technology is a risk and pricing engine that constantly evolves based on real-time economic data and AI-driven pattern recognition.
Our model integrates:

• Gross Margin % & Interest Coverage Ratios – Data sourced from Stats Canada, ensuring our risk assessment reflects current industry conditions.
• Industry-Specific Revenue Trends – Factoring in seasonality, regional fluctuations, and macroeconomic indicators.
• Real-Time Business Performance Metrics – Adjusting for market conditions and each business’s unique cash flow trends.

This data-driven approach allows us to approve funding with a 3%-5% margin of bad debt, balancing higher approval rates with calculated risk management.

💡 Why This Matters: Instead of applying generic lending rules, our AI uses a hyper-specific risk model that allows for smarter approvals, customized pricing, and more competitive offers.

Speed and efficiency matter—especially in business. Our system eliminates unnecessary paperwork and delivers funding offers instantly through two core features:

• Bank-Connect Technology – Integrated with Decision Logic, our system securely extracts banking data and generates real-time funding offers within minutes.
• OCR-Powered Alternative – For merchants who prefer not to link their accounts, our Google Vision AI-powered OCR technology parses PDF bank statements, extracting the necessary financial data to produce an origination quote—just as fast as a direct bank connection.

💡 Why This Matters: Businesses can access funding without jumping through hoops—our AI does the heavy lifting so they can focus on growth.