Portfolio & Risk Intelligence · SMB Alternative Lending
Purpose-built, AI-powered portfolio intelligence and risk scoring for MCA and revenue-based finance — serving originators & brokers, syndicators & investors, and platform partners so every decision is faster, smarter, and more profitable.
Preferred VendorThe Platform
AIQ Terminal
The intelligence platform
for SMB lending
How is my portfolio performing?
See how every dollar is performing, and why — interactive analytics across your entire portfolio, in a form investors trust.
What risk am I taking on?
Predictive risk scoring built for SMB lending — a proprietary score and A–F grade that reads risk consistently across your funnel and your portfolio.
What should I do next?
Reads across PortIQ, SRI and the wider market — turning all of it into recommendations and automated decisioning, in three capabilities.
Works with the systems you already run
How It Works
Who We Serve
One platform
One version of the truth
MCA & RBF originators · ISOs · syndicating ISOs
Syndicators · credit funds · institutional lenders
CRMs · loan management systems · fintech platforms
Platforms & Data Integrations
About Us
AdvanceIQ.ai was built by a team of practitioners with deep roots in SMB lending, private credit, fintech, and data analytics — operators who understood firsthand what the market was missing.
Tomo Matsuo is Founder & CEO of AdvanceIQ.ai, a leading provider of portfolio and risk intelligence for the SMB lending and private credit markets. He is also Founder & Managing Partner of Pinetail Capital, a private investment firm focused on SMB alternative lending, spanning data, asset management, strategic acquisitions, and venture investments.
Tomo brings more than 15 years of senior operating and investment experience in alternative lending and has overseen over $2 billion in merchant cash advance originations. He co-founded Yardline Capital, an e-commerce revenue-based financing platform later acquired by Thrasio, and held executive roles at Bizfi, Paysafe Group (NYSE: PSFE), and Thrasio. He also pioneered revenue-based financing in Japan through a joint venture with Credit Saison (TYO: 8253), one of Japan's largest consumer finance companies.
Beyond business, Tomo is Music Director & Conductor of the World Civic Orchestra and the Doctors' Orchestral Society of New York, and is actively involved in supporting arts and educational institutions.
ARIA Market Intelligence
The daily ARIA Market Intelligence Briefing — market developments with business-impact analysis, the same briefing that runs in the AIQ Terminal, delivered to your inbox each morning.
Complimentary with every AIQ Terminal account — read it in the Terminal or by daily email. Unsubscribe anytime.
Contact Us
Book a 30-minute demo directly on our calendar — or request a free SRI retro and we'll walk you through sharing your historical data so you can see the ROI on your own portfolio before you commit.
Request a free SMB RiskIQ retrospective using the form or email us directly — we'll follow up with instructions for sharing your historical data, then deliver a full retro at no cost so you can see exactly how SRI would have performed on your existing portfolio.
Pick a time that works for you. We'll walk through SRI, PortIQ, and ARIA on live data — and help you map the platform to your underwriting workflow and portfolio goals.
Book a Demo →Prefer to share context first — or request a free SRI retro? Send us a note and we'll get back within one business day with next steps for sharing your historical data.
