● Introducing Ranqx AI

The AI operating system for small business lending.

Ranqx already turns accounting, banking and credit data into hundreds of standardized data points for lenders. Now an AI intelligence layer sits across Originate, Underwrite, Monitor and Grow — turning that data into judgment a lender can act on in minutes.

See the AI Credit Analyst Talk to sales
80%lower processing cost
2 mindigital application
3 minauto decisioning
1,000sdata points per borrower
AI Credit Analyst
ABC Plumbing LLC
Requested: $150,000 line of credit
0%
Confidence
Moderate risk

Revenue has grown steadily over 24 months, up 14% year-over-year, with operating margins holding stable. Projected cash flow supports a facility below the full amount requested.

Strengths

  • Consistent revenue growth
  • Strong debt-service coverage
  • Diversified customer base

Watch items

  • Rising customer concentration
  • Declining cash balance
  • One recent credit inquiry

The AI weighed projected cash-flow volatility against the requested amount and traced the gap back to three inputs: receivable aging, seasonal revenue variance, and current cash runway. Every recommendation links back to the underlying financial data it was drawn from.

See Ranqx in action

Small business lending, from application to decision.

Architecture

AI sits around your decision engine, not in place of it.

Ranqx's configurable policy and scoring engine stays the authoritative layer for every credit decision. AI adds intelligence on top of it — and an explanation underneath it — without ever making a lending decision unsupervised.

01

Data layer

Accounting, banking, credit and payments data, aggregated in real time.

02

Analytics layer

Financial ratios, cash-flow modeling, scoring and predictive signals.

03

AI intelligence layer

LLM reasoning, machine learning and anomaly detection applied to the data.

04

Policy layer

Your credit policy, regulatory rules and risk appetite, unchanged.

05

Decision engine

Approve, decline or refer — the same engine you configure today.

06

Explanation layer

A plain-language answer to "why" for every decision, every time.

Ranqx AI Capabilities

Eight ways AI makes your lending platform intelligent.

Prioritized by customer value, differentiation and how quickly they can ship — from a virtual credit analyst on every application to a portfolio-wide early warning system.

01

AI Credit Analyst

Turns raw financial data into a readable risk narrative, with every conclusion traceable back to its source.

02

Conversational Application

Replaces static forms with a guided conversation that adapts its questions to the loan being requested.

03

Hybrid AI Underwriter

Layers pattern detection — seasonality, margin drift, unusual deposits — around your existing policy engine.

04

Early-Warning Monitoring

Flags emerging borrower deterioration months before a covenant breach, with a recommended next action.

05

AI Loan Advisor

Recommends the right product for a business's actual need, not just the amount they asked for.

06

Next-Best-Offer Engine

Watches existing borrowers for expansion signals and surfaces the right cross-sell at the right moment.

07

Fraud & Anomaly Detection

Cross-checks accounting, bank, credit and registry data for inconsistencies before they become losses.

08

Portfolio Intelligence

Gives a Chief Lending Officer a single health score across the book, plus who to call today.

One Platform, Two Experiences

Built for lenders. Built for the businesses they serve.

Ranqx AI for Lenders

Everything a credit team needs to decide and manage risk
  • AI Credit Analyst
  • Hybrid AI Underwriter
  • Early-Warning Monitoring
  • AI-generated credit memos
  • Portfolio Intelligence
  • Fraud & anomaly detection
  • Ranqx Credit Copilot — ask your portfolio a question in plain English

Ranqx AI for Businesses

A financial partner for the small business owner, not just a form
  • Conversational application assistant
  • AI Loan Advisor — the right product, not just an amount
  • Business Health Score
  • Cash-flow coaching
  • Funding recommendations
  • Forward-looking cash-flow forecasting
  • "Ask my business" assistant
CDFI credit unions

Make mission-oriented small business lending measurable, operational and scalable.

CDFI certification is not something a lending platform can create for a credit union. What Ranqx can do is make the lending side easier to operate and evidence: capture community context, structure borrower and loan data, apply explicit lender policy, preserve decision evidence and keep portfolio data ready for measurement.

Read the 2026 CDFI guide Check readiness
CDFI Target MarketTreasury certification context
NCUA low-income designationSeparate NCUA test
Field of membershipMembership eligibility
SBA eligibilityProgram-specific eligibility
CDFI small business lending

Scale SMB lending without losing mission discipline.

Digitize the repeatable work while keeping credit policy explicit, exceptions visible and loan officers in control.

01

Community intelligence

Attach address, business and borrower context to the application and evaluate configured target-market and community indicators using authoritative data.

02

Controlled decisioning

Combine application, accounting, bank and credit data; apply lender-owned rules and scorecards; and route borderline cases for human review.

03

Evidence by default

Retain source data, rule versions, triggered policy, exceptions, human overrides and final outcomes as part of the normal lending flow.

Context→Verify→Decide→Review→Record
CDFI impact & data

Know whether the portfolio you are growing is the portfolio your mission requires.

Reporting should not begin when an annual filing is due. Structure target-market, borrower, loan and decision data as lending happens so the credit union can measure the book continuously and resolve data gaps while they are still operational issues.

Source

Original facts

Application, accounting, bank, bureau, address and external reference data.

Qualification

Derived indicators

Configured target-market and community results with dataset and rule versions.

Decision

Credit outcome

Policy result, triggered rules, exceptions, human review and final decision.

Transaction

Booked loan data

Final amounts, dates, product attributes and downstream identifiers.

Reporting

Mapped output

Reporting fields, validation status, exceptions and export lineage.

Oversight

Portfolio measures

Target-market mix, trends, concentrations and unresolved data-quality issues.

CDFI readiness

Check whether the seven certification foundations appear to be in place.

This is a practical screening tool, not a determination of CDFI eligibility or certification. Answers stay in your browser and are not submitted to Ranqx.

Read the full 2026 certification guide →
Run the seven-part readiness assessmentAbout 2 minutes

The CDFI applicant must be a legal entity at the time of application.

02
Primary missionDo your governing documents and board-approved strategy clearly establish community development as a primary mission?

The Fund looks for governing evidence and a credible strategy connecting products and services to community-development outcomes.

03
Financing entityCan you demonstrate eligible financing activity and the operational capability to deliver it?

CDFI certification requires the applicant to be a financing entity under the Fund’s rules.

04
Target MarketCan you identify an eligible Target Market and evidence that your qualifying activity can meet the applicable CDFI benchmarks?

For the Financial Products test, the Fund requires at least 60% of both number and dollar volume of qualifying activity to approved Target Markets. Other methods can apply to depository institutions.

05
Development ServicesDo you provide structured training, counseling or technical assistance that supports access to or success with your financial products?

Routine customer service, marketing or application assistance alone is not enough. The service should be structured and have defined goals or outcomes.

06
AccountabilityCan your governing board, advisory structure or qualifying credit-union membership evidence meet an accepted accountability option for the proposed Target Market?

The revised framework sets percentage and representation requirements that vary by accountability option and Target Market.

07
Non-government entityIs the applicant a non-government entity and not under government control under the CDFI Fund’s rules?

This is one of the seven core certification requirements.

Governance

AI you can explain to a regulator.

For a bank or credit union, "AI" isn’t enough on its own — every recommendation needs a defensible trail back to the data, the policy, and the human who reviewed it.

  • What data the AI used, and its source
  • Which model and version produced the output
  • Which factors drove the recommendation
  • Which policy rules were triggered
  • What alternative outcomes were considered
  • What the human lender changed, and why
AI Decision Audit Trail
Data sourcesAccounting · Bank · Credit
Model / versionranqx-credit-v2.3
Policy rules triggeredDSCR ≥ 1.25, Score ≥ 680
AI recommendationApprove $125,000
Lender decisionApproved $125,000
Variance from AINone
About Ranqx

Accelerating small business digital lending.

Small-business lending has too often relied on people-heavy, paper-based processes, manual data capture and disconnected systems. That creates unnecessary cost, inconsistent data and a slower path to funding. Ranqx was built around the belief that technology should provide a better way.

Ranqx gives business lenders a fully digital platform for loan origination, decisioning and ongoing monitoring, with a strong focus on the customer application experience. The platform helps lenders modernize how they serve small businesses while improving speed, decision quality and operating efficiency.

Leadership

The people helping drive Ranqx forward.

Dave Lewis
Founder & Chief Executive Officer

Dave Lewis

Dave began his career in marketing before founding an insights-led management and business growth consultancy serving SME owners across Australasia. He has advised companies and boards including ANZ Bank, PwC and BNZ Bank on customer-centric growth. As a co-founder of Ranqx, he brings entrepreneurial leadership, strategic problem-solving and a strong focus on growing the business.

Russell Clarke
Chief Technology Officer

Russell Clarke

Russell has led Ranqx’s technology, architecture and delivery since 2016, building its technology and delivery capabilities from the ground up. As CTO, he brings deep experience in solution and enterprise architecture, technology strategy, programme delivery and governance. His career spans banking, payments, insurance, consulting and the public sector, with a focus on turning complex business and regulatory requirements into secure, scalable systems that work in practice.

John Horner
Chair

John Horner

John is the former Treasurer and Chief Investment Officer of JPMorgan Chase and is currently Managing Partner at MoVi, a network that advises, incubates and invests in early-stage companies. During his JPMorgan career he held several senior leadership roles, including leading Investor Services for the Corporate & Investment Bank. Earlier in his career he was an Agency Mortgage Trader at Lehman Brothers.

Kenneth Buren
Vice President, Sales & Partnerships

Kenneth Buren

Kenneth Buren is a FinTech and enterprise software executive with 30+ years of experience driving growth, digital transformation, and strategic partnerships across credit unions, community banks, and financial institutions. Ken has built relationships with multi-billion-dollar financial institutions, secured strategic partnerships, and consistently delivered enterprise growth. His expertise spans commercial lending, SaaS, AI, digital banking, and credit union technology.

Supporting the leadership team is a focused group of software engineers, strategists, data scientists, analysts, credit experts and industry veterans who have helped build and develop the Ranqx platform.

Proven In Market

“Ranqx accelerated us to live in market faster and cheaper than we as a bank could have ourselves — they deeply understand how we want to deliver for our customers.”

Steve Jurkovich — CEO, Kiwibank. Ranqx powers Kiwibank's Fast Capital, winner of a 2021 Canstar Innovation Excellence Award.
Integrated With
KiwibankMYOBEquifaxAWSXeroVisaQuickBooksLendflowExperianPlaidDropbox Sign

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