What We Do
Purpose-built analytics and software for the SMB AltLending ecosystem.
SMB Risk Index (SRI) Software
The SMB Risk Index (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.
Portfolio Analytics & Insights
AdvanceIQ.ai delivers comprehensive portfolio analytics and insights, including segmentation by originator, ISO, AE, and underwriter performance — and other customizable views — along with investor-focused reporting such as monthly or quarterly Syndicator Portfolio Pulse Reports.
✅ Understand performance drivers
Break down performance by 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 Syndicator Portfolio Pulse Reports and borrowing base summaries.
✅ Understand performance drivers
Break down performance by 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 Syndicator Portfolio Pulse Reports and borrowing base summaries.
Who We Serve
Empowering smarter decisions across the SMB AltLending ecosystem.
Originators & Brokers
Automate top-of-funnel decisioning, improve submission quality, and align offers to risk. Use SRI to triage leads, pre-qualify merchants, and streamline underwriting for faster, more consistent funding outcomes.
Investors & Syndicators
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.
Platforms & Data Integrations
AdvanceIQ.ai integrates with and supports leading platforms across the SMB AltLending ecosystem.
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 executive experience in global lending, payments, and analytics. He is the Founder & CEO of AdvanceIQ.ai, providing insights for the SMB AltLending sector. Previously, he co-founded Yardline Capital, which was acquired by Thrasio, and held senior roles at Thrasio, Paysafe Group (NYSE: PSFE), and Bizfi. He pioneered Merchant Cash Advances in Japan through a joint venture with Credit Saison (TYO: 8253) and co-founded Swiftline Corp., focused on acquiring commerce enablement technologies. Beyond business, Tomo is the Music Director and Conductor of the Doctors' Orchestral Society of New York (Doctors' Orchestra) and the World Civic Orchestra, and is the former Music Director of the 92nd Street Y Orchestra.
Tomo Matsuo is a seasoned Fintech and SaaS executive with over a decade of executive experience in global lending, payments, and analytics. He is the Founder & CEO of AdvanceIQ.ai, providing insights for the SMB AltLending sector. Previously, he co-founded Yardline Capital, which was acquired by Thrasio, and held senior roles at Thrasio, Paysafe Group (NYSE: PSFE), and Bizfi. He pioneered Merchant Cash Advances in Japan through a joint venture with Credit Saison (TYO: 8253) and co-founded Swiftline Corp., focused on acquiring commerce enablement technologies. Beyond business, Tomo is the Music Director and Conductor of the Doctors' Orchestral Society of New York (Doctors' Orchestra) and the World Civic Orchestra, and is the former Music Director of the 92nd Street Y Orchestra.
Tomo Matsuo
Founder & CEO
