AI-Powered Scoring & White-Label Platform
for Alternative Lending.
Smarter Decisions. Better Outcomes.
FundAI is an AI-powered Scoring and white-label lending operating system that helps alternative lenders underwrite better, launch faster, and reduce delinquencies.
Trusted by Leading Alternative Lenders Nationwide
Data Sources
API Response
Uptime SLA
Enterprise Platform Features
Everything you need for modern alternative lending operations
Real-Time Scoring Engine
Instant credit decisions with detailed risk scores, confidence intervals, and explainable AI factor analysis.
Advanced Portfolio Analytics
Comprehensive dashboards with cohort analysis, vintage performance curves, predictive modeling, and risk concentration monitoring.
Custom ML Models
Proprietary machine learning models trained on your unique portfolio data and continuously optimized for your business requirements.
Why Leading Lenders Choose FundAI
Purpose-built for alternative lending with measurable impact
Dramatically Reduce Risk
40-60% reduction in default rates compared to traditional credit scoring methodologies
Expand Approval Rates
Safely increase approval rates by 25-35% through superior risk assessment and data-driven insights
Maximize Portfolio Yield
15-30% improvement in portfolio returns through precision pricing and risk-based optimization
Lightning-Fast Performance
Sub-250ms API response times with 99.99% uptime SLA for mission-critical operations
How the Platform Works
Connect Data Sources
Enterprise-grade APIs for Plaid, Finicity, payroll systems, marketplace platforms, CRM systems, and banking institutions.
AI Analysis & Scoring
Machine learning engine evaluates repayment capacity, income stability, cash flow patterns, and risk indicators across 10,000+ data points.
Intelligent Decisions
Real-time credit decisions, continuous portfolio monitoring, predictive alerts, and comprehensive analytics dashboards.
Integrated Data Sources
Platform Capabilities
Intelligent Scorecards
Comprehensive risk assessment across multiple dimensions: revenue stability, cash flow patterns, debt capacity, repayment probability, and early warning indicators.
Revenue Stability Analysis
Cash Flow Monitoring
Optimal Term Matching
Risk Indicator Tracking
Live Scorecard Example
Portfolio Performance Dashboard
Advanced Analytics Dashboards
Comprehensive portfolio insights: cohort performance analysis, vintage curves, default waterfall analysis, risk concentration heatmaps, and predictive modeling.
Enterprise APIs & Integration
RESTful and GraphQL APIs, real-time webhooks, pre-built integrations with Salesforce, Microsoft Dynamics, and enterprise SSO (Azure AD, Okta).
REST/GraphQL
Webhooks
Dynamics CRM
Azure/Okta SSO
Collections Intelligence
Predictive collections optimization: early warning signals, repayment probability scoring, and intelligent prioritization algorithms.
Explainable AI & Compliance
Transparent decision factors, automated bias monitoring, complete audit trails, and regulatory compliance reporting.
Transparent Decision Factors
Automated Bias Monitoring
Complete Audit Trails
How Our Platform Works
Three powerful steps to revolutionize your credit decisioning process
Unified Data Integration
Connect seamlessly to banking APIs, payment processors, accounting systems, and alternative data sources through our enterprise-grade integration layer with 256-bit encryption.
Intelligent AI Analysis
Our proprietary machine learning models analyze over 10,000+ data points in real-time, generating precise risk scores with explainable AI insights and confidence metrics.
Actionable Intelligence
Receive instant credit decisions with detailed risk breakdowns, recommended terms, pricing optimization, and continuous portfolio monitoring with predictive alerts.
Comprehensive Lending Solutions
Specialized AI models tailored to your specific lending vertical
Gig Economy & Contractor Financing
Advanced scoring models specifically designed for rideshare drivers, delivery professionals, freelancers, and independent contractors with variable income streams.
Small Business Capital Advances
Comprehensive evaluation of traditional SMBs using enhanced data sources, cash flow analysis, and predictive behavioral analytics for merchant cash advances.
Invoice Factoring & Receivables
Intelligent assessment of invoice quality, debtor creditworthiness, and collection probability for factoring and accounts receivable financing.
Seamless Integrations
Connect effortlessly with your existing financial infrastructure, CRM systems, and business intelligence tools.
Rapid Implementation
Quick integration with comprehensive documentation and support
Real-Time Synchronization
Live data synchronization with instant updates
Bank-Grade Security
Military-grade encryption and security protocols
Integration Performance
Client Success Story
Regional Alternative Lender
Leading merchant cash advance provider
"FundAI completely transformed our underwriting process. We are now making faster, more accurate credit decisions while significantly reducing our default rates and increasing our portfolio yield. The platform paid for itself within the first quarter."
Proven Performance Metrics
Real results from alternative lenders powered by FundAI
Average Default Reduction
Increase in Safe Approvals
Portfolio Yield Enhancement
Average API Response
These results are based on real performance data from MCA companies using FundAI's AI scoring platform. Individual results may vary based on portfolio composition and implementation approach.
Enterprise-Grade Security & Compliance
Financial institution-level security architecture built for regulatory compliance
Advanced Encryption
End-to-end AES-256 encryption with TLS 1.3 protocols and zero-knowledge architecture
SOC 2 Type II Certified
Independently audited and certified for security, availability, and confidentiality
Compliant Data Residency
US-based secure data centers with optional EU and regional data residency options
Granular Access Controls
Role-based permissions, multi-factor authentication, and enterprise SSO integration
SOC 2 Type II
In progress
AES-256
Encryption
99.9%
Uptime SLA
Who We Are
FundAI is a revolutionary AI-driven scoring platform that transforms the way financial institutions assess creditworthiness. We harness the power of machine learning to analyze human and financial data, delivering unprecedented accuracy and speed in financial decision-making.
Artificial Intelligence
Advanced machine learning algorithms that continuously learn and adapt to provide more accurate financial assessments over time.
Big Data Processing
Process vast amounts of financial and behavioral data in real-time to generate comprehensive risk profiles and insights.
Financial Intelligence
Transform complex financial data into clear, actionable insights that drive smarter lending decisions and risk management.
Why Choose FundAI
Superior Performance
Lightning-Fast Decisions
Sub-250ms API latency with 99.99% uptime.
Dramatically Lower Defaults
40-60% reduction in delinquencies vs. traditional scoring.
Maximize Portfolio Yield
15-30% yield improvement through precision pricing.
Platform Performance
Enterprise Security & Compliance
AES-256 Encryption
End-to-end encryption
SOC 2 Type II Certified
Compliance roadmap
Secure US Data Centers
US/EU data centers
FCRA & ECOA Compliant
GDPR & CCPA ready
Flexible Pricing Plans
Scalable solutions designed to grow with your lending business
Starter
Perfect for pilot programs
Launch your AI-powered lending with essential features
Professional
Scale your operations
Advanced capabilities for growing lending operations
Enterprise
For institutional lenders
Custom solutions for large-scale lending operations
Enterprise Volume Pricing
Custom pricing structures for high-volume lenders and institutional requirements
Volume Discounts
Tiered pricing for 100K+ evaluations/month
White-Glove Support
24/7 dedicated support team with direct access
Custom SLA Agreements
Tailored uptime, latency, and performance guarantees
Bespoke Development
Custom integrations, features, and workflow automation
Frequently Asked Questions
Everything you need to know about the FundAI platform
Ready to Transform Your Lending Operations?
Join the leading alternative lenders using FundAI to reduce risk, increase approvals, and maximize portfolio performance.