Credibly Snags New Patent to Scale SMB Financing Platform

Credibly has announced a new patent to help it underwrite loans for small- to medium-sized businesses (SMBs), according to a Wednesday (Jan. 28) press release.

The artificial intelligence (AI)-powered FinTech working capital company said the new patent strengthens its intellectual property portfolio and demonstrates its investment in AI-driven underwriting and financing technologies for SMBs.

The patent is designed to “evaluate affordability, structure financing offers, and automate complex underwriting workflows at scale,” the company said in the release. “These innovations enable Credibly to deliver faster decisions, more precise offer matching, and a more consistent experience for small business owners navigating the funding process.”

The company describes the patent as a continuation of its efforts to embed AI deeply into the core of its financing platform rather than as an experimental add-on.

Ryan Rosett, co-founder and co-CEO of Credibly, said each new patent underscores the company’s dedication to “building durable, purposeful AI infrastructure for small business financing” and improving access to capital for SMBs with sophisticated analytics and faster outcomes. Credibly’s approach reflects broader FinTech trends where automation and AI are increasingly used to streamline processes that legacy financial institutions still perform manually.

“This patent represents another step forward in making AI a foundational capability throughout Credibly’s platform,” Minyang “MJ” Jiang, Credibly’s chief strategy officer, said in a statement. “We’ve been deliberate about developing AI systems that scale responsibly — with the real-world needs of small businesses always top of mind.”

Wednesday’s patent adds to Credibly’s previous IP related to AI-enhanced underwriting and search technologies. In the past year, the company secured a patent for a proprietary AI underwriting platform that automates manual processes to improve speed and precision in assessing loan affordability and generating matched financing offers.

In parallel with private-sector innovation like Credibly’s, as reported by PYMNTS, U.S. lawmakers have recently advanced bipartisan bills aimed at helping small businesses adopt AI technology.

The U.S. House of Representatives passed the AI for Main Street Act and the AI Wisdom for Innovative Small Enterprises (AI-WISE) Act, which would require the SBA to expand guidance, training and educational resources to help smaller firms evaluate and implement AI tools effectively.