Portfolio Intelligence for Originators and Investors
AdvanceIQ.ai provides tailored analytics and strategic insights for SMB AltLending originators, syndicators, and investors. Our solutions drive growth, manage risk, and enable data-driven decision-making, helping clients unlock value while minimizing risk.
Proprietary Risk Scoring & Grading System
The AdvanceIQ.ai SMB Risk Index (SRI) is a core element of our analytical output and strategic services, designed to set the industry standard for evaluating and benchmarking the risk profiles of SMBs.
What is the SMB Risk Index (SRI)?
The SMB Risk Index (SRI) is a proprietary scoring system tailored for the revenue-based financing (RBF) and loan sectors. It simplifies complex data into a 10-point risk score, accurately reflecting an SMB's risk profile and strongly correlating with performance outcomes.
Trained on a multi-year dataset covering hundreds of millions of dollars in RBF/loan originations, the SRI Score is finely tuned to the unique trends of the SMB lending market, providing reliable insights into business stability and risk.
Strategic Use Cases for SRI
- Sales Lead Qualification: Prioritize and qualify leads by evaluating their risk profiles, ensuring focus on high-potential opportunities.
- Lending Decisions: Assess SMB risk profiles to inform RBF/loan approvals.
- Pricing Strategy: Optimize RBF/loan terms and pricing based on risk assessment.
- Portfolio Management: Monitor and manage risk levels across your SMB RBF/loan portfolio.
- Market Benchmarking: Compare SMB risk across sectors to identify trends and opportunities.
Key Platforms & Data Integrations
Leadership
Tomo Matsuo, Founder & Managing Partner
Tomo Matsuo is a Fintech and SaaS executive with over a decade of leadership experience in global lending, payments, and SaaS. He is the Founder and Managing Partner of AdvanceIQ.ai, a company providing data-driven insights and tailored solutions for the SMB AltLending sector. Tomo is also the Co-Founder of Swiftline Corp., focused on acquiring and scaling innovative commerce enablement technology and data solutions. Previously, he co-founded Yardline Capital, a provider of funding solutions for e-commerce sellers, which was acquired by Thrasio. His past roles include VP of FinTech at Thrasio, SVP of Lending Solutions at Paysafe Group (NYSE: PSFE), and COO of Bizfi. He pioneered MCA in Japan through a joint venture with Credit Saison (TYO: 8253).