Platforms & Data Integrations
Connects to the platforms
you already use.
Risk & Portfolio Intelligence · SMB Alternative Lending
Purpose-built AI risk scoring and portfolio intelligence for MCA and revenue-based finance — serving originators & brokers, syndicators & investors, and platform partners so every decision is faster, smarter, and more profitable.
What We Do
PortIQ, SMB RiskIQ, and ARIA work together to give your team a complete picture — from initial submission to portfolio-level performance.
01
PortIQFull Lifecycle Visibility
Comprehensive portfolio analytics with segmentation by originator, ISO, AE, underwriter, industry, SRI score, and more — with investor-ready reporting built in.
02
SMB RiskIQ (SRI)Proprietary 10-Point Score & A–F Grade
A proprietary 10-point score and A–F deal grade, purpose-built for SMB AltLending. Distills complex merchant data into an instant, actionable risk signal.
03
ARIAOn-Demand Insights, In Your Dashboard
ARIA is your always-on AI analyst. It interprets PortIQ and SRI data live in your dashboard — surfacing trends, flagging anomalies, recommending actions, and curating daily portfolio and industry news.
How It Works
SMB RiskIQ assigns a 10-point score and A–F grade to each submission — instantly, consistently, at scale.
PortIQ tracks every deal from origination through collections — with segmentation and investor-grade reporting.
ARIA analyzes your portfolio in real time — surfacing anomalies, trends, and concrete recommendations.
Who We Serve
For MCA and RBF originators, ISOs, and syndicating ISOs: use SRI to triage leads and pre-qualify merchants at the top of funnel, PortIQ to track deal performance and origination trends across your book, and ARIA to surface insights that sharpen pricing and reduce portfolio risk.
For syndicators, credit funds, and institutional lenders: use PortIQ to monitor portfolio performance and risk exposure across your book, SRI to validate deal quality at the point of investment, and ARIA to surface trends that inform capital allocation and reporting.
For CRMs, loan management systems, and fintech platforms: embed SRI scoring directly into your origination flow, connect PortIQ for portfolio-level analytics your clients can act on, and layer in ARIA to deliver AI-driven insights without building from scratch.
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 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 leading provider of risk and portfolio intelligence for the SMB lending and private credit market. 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.
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.