The problem
Lending to startups and small businesses still leans on historical data and static scoring models that say little about how a company will hold up tomorrow. Conventional credit analysis misses the realities of early-stage finances, ignores growth signals, and quietly bakes in bias. By the time risk shows up in the numbers, it is usually too late to act on it.
What we did
FinRiskIQ is an AI risk intelligence platform built for the Canadian lending ecosystem. Lenders and borrowers connect banking, accounting, and operational data to build a live financial profile, then stress test it against scenarios like rate hikes and inflation to see how repayment resilience changes. The platform generates tailored credit risk scores that factor in growth and venture signals while flagging potential bias, and it keeps watch with real-time alerts and dashboards. We helped build it to serve every side of a deal, from commercial lenders and fintechs to the founders raising capital.
The outcome
A forward-looking way to read startup and SME risk, helping Canadian lenders move from static snapshots to dynamic, scenario-based decisions.