Shivi Sharma spent a decade working in credit risk at places like American Express and Varo Bank.

At some point, she realized teams were spending equal amounts of time analyzing all types of loans — regardless of whether it was worth $100,000 or $5 million — meaning assessing smaller loans was ultimately an unprofitable and time-consuming process for lenders.

She and her husband, Utsav Shah, realized there was an opportunity here.

“She watched as the vast majority of small business owners couldn’t access the capital they needed to grow, simply because the economics didn’t work for banks,” Shah told TechCrunch.

“Between our skills in building AI-powered decision-making systems at scale and our expertise in credit risk and fraud risk assessments in banking in financial services, we reali

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