AdvanceIQ.ai Launches Risk & Portfolio Intelligence Platform for SMB Lending
Published: 11 Mar 2026
Author: Precedence Research
AdvanceIQ.ai, a leading provider of risk and portfolio intelligence for the SMB lending and private credit market, launched the AIQ Platform, a unified intelligence platform supporting SMB lenders and private credit investors, including merchant cash advance (MCA) and revenue-based finance (RBF) originators and investors.
Platform Designed to Support Underwriting, Portfolio Management, and Capital Allocation
The AIQ Platform replaces fragmented tools, spreadsheets, and static reports with a unified analytics and intelligence system specifically designed for small- and medium-sized business (SMB) alternative lending originators and investors. As SMB alternative lending increasingly intersects with private credit and institutional capital, the AIQ Platform provides a shared, consistent understanding of risk, performance, and portfolio dynamics.
According to Precedence Research, the merchant cash advance market size was USD 20.67 billion in 2025 and is projected to increase from USD 22.17 billion in 2026 to approximately USD 41.81 billion by 2035, expanding at a CAGR of 7.30% from 2026 to 2035, driven by growing demand for quick-access business financing, limited access to traditional bank credit, and rising acceptance of alternative lending models.
The AIQ Platform consists of three integrated components:
- PortIQ — portfolio intelligence delivering performance analysis, attribution, benchmarking, forecasting, and operational insights
- SMB RiskIQ (SRI) — AdvanceIQ.ai’s proprietary risk scoring and segmentation model, trained on SMB credit performance outcomes, with deep coverage of MCA and RBF portfolios
- ARIA — an AI-driven intelligence layer that interprets portfolio analytics, risk signals, and portfolio-relevant news to provide natural-language insights and decision support
Together, these components operate as a unified intelligence system and are designed to integrate directly into existing CRMs, origination and servicing systems, marketplace platforms, and internal data environments.
Daniel DeMeo, CEO of Lendr, said that “the combination of PortIQ and SMB RiskIQ has given our team a much clearer view into portfolio performance and deal quality”. He also stated that they can surface risk signals earlier and move faster on underwriting and portfolio decisions.
The AIQ Platform allows originators and investors to give a clear, consistent intelligence layer to understand what’s working, where risk is emerging, and how to make better as well as crucial decisions to improve portfolio performance and profitability.
The AIQ Platform is already in use by leading small- and medium-sized business (SMB) lenders and private credit participants, assisting in supporting a shift toward more systematic, data-driven approaches to portfolio management and risk assessment.