What We Do
Unified portfolio intelligence, risk scoring, and AI underwriting for the SMB AltLending ecosystem.
PortIQ — Portfolio Intelligence Platform
PortIQ by AdvanceIQ.ai delivers comprehensive portfolio analytics and insights, with segmentation by SRI, originator, ISO, AE, underwriter, industry, and more — plus customizable views and investor-ready reporting to monitor performance across the full portfolio lifecycle.
✅ Understand performance drivers
Break down performance by SRI, originator, ISO, AE, underwriter, industry, and more to uncover trends and outliers.
✅ Monitor portfolio health
Track portfolio profitability, originations, collections, and delinquencies in a unified, actionable view.
✅ Enhance transparency & reporting
Deliver investor-ready insights, including portfolio summaries, profitability reporting, and customizable exports.
✅ Understand performance drivers
Break down performance by SRI, originator, ISO, AE, underwriter, industry, and more to uncover trends and outliers.
✅ Monitor portfolio health
Track portfolio profitability, originations, collections, and delinquencies in a unified, actionable view.
✅ Enhance transparency & reporting
Deliver investor-ready insights, including portfolio summaries, profitability reporting, and customizable exports.
SMB RiskIQ (SRI) — Risk Scoring Platform
SMB RiskIQ (SRI) by AdvanceIQ.ai is a proprietary scoring and grading system purpose-built for the SMB AltLending ecosystem. It distills complex metrics into a 10-point score and Deal Grade (A–F) to help originators, brokers, and investors assess risk faster and more effectively.
✅ Reduce operational costs
Filter low-potential submissions early to cut underwriting time and reduce processing costs.
✅ Improve pricing strategies
Incorporate risk scores directly into underwriting to enable more consistent, risk-adjusted pricing.
✅ Allocate capital efficiently
Use scoring to guide strategic decisions around capital deployment and portfolio construction.
✅ Reduce operational costs
Filter low-potential submissions early to cut underwriting time and reduce processing costs.
✅ Improve pricing strategies
Incorporate risk scores directly into underwriting to enable more consistent, risk-adjusted pricing.
✅ Allocate capital efficiently
Use scoring to guide strategic decisions around capital deployment and portfolio construction.
ARIA — AI Risk Intelligence Agent
ARIA — the AdvanceIQ.ai Risk Intelligence Agent — interprets data from PortIQ and SMB RiskIQ to deliver portfolio-level insights. It helps users uncover trends, detect anomalies, and generate actionable underwriting, pricing, and portfolio recommendations directly within their dashboards.
✅ Summarize reports & key insights
Generate instant summaries of performance metrics, trends, and highlights based on the active PortIQ view.
✅ Detect anomalies & explain trends
Identify outliers or shifts in origination, collections, and risk patterns — with contextual explanations.
✅ Recommend data-driven actions
Provide actionable suggestions to optimize underwriting, pricing, and portfolio management decisions.
✅ Summarize reports & key insights
Generate instant summaries of performance metrics, trends, and highlights based on the active PortIQ view.
✅ Detect anomalies & explain trends
Identify outliers or shifts in origination, collections, and risk patterns — with contextual explanations.
✅ Recommend data-driven actions
Provide actionable suggestions to optimize underwriting, pricing, and portfolio management decisions.
Who We Serve
Empowering smarter decisions across the SMB AltLending ecosystem.
Originators & Brokers
Strengthen top-of-funnel workflows, reduce low-quality submissions, and align offers to risk. Use SRI to triage leads, pre-qualify merchants, and accelerate consistent underwriting.
Syndicators & Investors
Track portfolio performance, manage risk exposure, and optimize capital deployment. Use SRI and analytics to drive better returns, improve reporting, and inform strategic investment decisions.
Platform & Technology Partners
Empower platforms with embedded risk scoring, analytics, and AI underwriting. Integrate SRI, PortIQ, and ARIA to improve workflows, expand insights, and deliver differentiated value.
Platforms & Data Integrations
AdvanceIQ.ai integrates with and supports leading platforms across the SMB AltLending ecosystem.
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About us
Built by operators. Designed for better decisions.
We’re a data-driven team with deep expertise in SMB AltLending, portfolio management, and risk analytics. AdvanceIQ.ai was built to empower originators, brokers, and investors with smarter decisions.
Tomo Matsuo, Founder & CEO
Tomo Matsuo is a seasoned fintech and SaaS executive with over a decade of senior executive experience in global lending, payments, and analytics. He is the Founder & CEO of AdvanceIQ.ai, a data intelligence platform delivering portfolio and risk insights for the SMB alternative lending sector. Previously, he co-founded Yardline Capital (acquired by Thrasio) and held executive roles at Bizfi, Paysafe Group (NYSE: PSFE), Thrasio, and Swiftline. He pioneered revenue-based financing in Japan through a joint venture with Credit Saison (TYO: 8253), one of Japan’s largest consumer finance companies. Outside of business, Tomo serves as Music Director and Conductor of both the World Civic Orchestra and the Doctors' Orchestra (Doctors' Orchestral Society of New York). He was previously Music Director of the 92nd Street Y Orchestra, one of New York’s longest-running community ensembles.
Tomo Matsuo is a seasoned fintech and SaaS executive with over a decade of senior executive experience in global lending, payments, and analytics. He is the Founder & CEO of AdvanceIQ.ai, a data intelligence platform delivering portfolio and risk insights for the SMB alternative lending sector. Previously, he co-founded Yardline Capital (acquired by Thrasio) and held executive roles at Bizfi, Paysafe Group (NYSE: PSFE), Thrasio, and Swiftline. He pioneered revenue-based financing in Japan through a joint venture with Credit Saison (TYO: 8253), one of Japan’s largest consumer finance companies. Outside of business, Tomo serves as Music Director and Conductor of both the World Civic Orchestra and the Doctors' Orchestra (Doctors' Orchestral Society of New York). He was previously Music Director of the 92nd Street Y Orchestra, one of New York’s longest-running community ensembles.
Tomo Matsuo
Founder & CEO
