FundAI runs a lender's entire operation from one platform — CRM lead capture, AI underwriting, soft collections, marketing analytics, fraud prevention, and pre-default alerts. Fund more of the right borrowers, collect more of what's owed, and lose less to default, without scaling your team.
For millions of small businesses — contractors, dental practices, e-commerce sellers — a three-digit FICO number is a poor summary of a real, working company. Traditional models miss them, so lenders either turn away good revenue or spend days underwriting by hand. FundAI was built to end that trade-off: read the cash flow, not the stereotype.
| No. | Step | What happens |
|---|---|---|
| 01 | Connect | With the borrower's consent, FundAI securely links their business bank account through trusted open-banking connections. |
| 02 | Analyze | The platform reads recent transactions to understand how the business earns, spends, and manages cash. |
| 03 | Score | Proprietary AI/ML models produce a risk score calibrated to your portfolio strategy — with the reasons behind it. |
| 04 | Decide & monitor | You get an instant, evidence-based decision, then continuous monitoring for the life of the loan. |
Every decision ships with the reasoning behind it — built to be defensible, not just fast.
Capture, qualify, and route borrower leads the moment they arrive, so nothing sits in an inbox while a good application goes cold.
Instant, data-driven credit assessments from real-time bank transactions. Get cash-flow stability, revenue patterns, spending behavior, and a risk-tier classification.
Connect FundAI to your AI agents and internal tools through a standards-based MCP server — plug scoring and monitoring directly into your own workflows.
See which channels and campaigns bring in the borrowers who actually fund and repay, and put budget behind what works.
Spot synthetic identities, doctored statements, and warning signs that slip past a manual review — screened automatically on every application.
Early warning the moment a payment is likely to bounce, so you can act before a good loan slips into default.
Score borrowers on real cash-flow behavior, not a legacy number — and approve creditworthy businesses others reject.
From data ingestion to decision, with no manual bottleneck — so you scale originations without adding headcount.
API-first architecture that plugs into your stack. You keep full ownership of the borrower relationship.
Continuous post-funding monitoring and fraud intelligence across the entire loan lifecycle.
Built for lenders who move faster than banks — serving the contractors, healthcare practices, and e-commerce operators that traditional credit models leave behind.
Encryption, granular access control, and audit-ready logging come standard. Open-banking connections run through trusted, regulated providers, compliance workflows are built into the platform, and every decision is explainable for your regulators and your auditors.
Independently reviewed by outside venture evaluators — third-party validation of the technology and the business behind it.
| No. | Module | Basis |
|---|---|---|
| 01 | CRM & Lead Capture | Per-seat monthly subscription. |
| 02 | Underwriting & Risk-Scoring API | Usage-based, tied to approved funding volume. |
| 03 | MCP Server Integration | Platform integration fee, then usage-based. |
| 04 | Marketing Analytics | Flat monthly subscription by tier. |
| 05 | Fraud Detection & Bank-Data Analysis | Tiered per-merchant subscription by depth of screening. |
| 06 | Pre-Default Alerts | Simple per-merchant monthly subscription. |
A SaaS model that grows with your book — start small, expand when you're ready.
Bring us a batch of applications and we'll show you the decisions — and the reasoning — in minutes. Book a live demo and see the scoring engine on your own data.
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