Startup Profile
The problem we're solving
Small businesses, despite being vital to economic growth, face significant hurdles in accessing credit. Traditional lending systems rely on outdated processes, rigid collateral requirements, and lengthy approval times, making it nearly impossible for newer or smaller businesses to qualify. As a result, 80% of SME loan applications are rejected, not due to lack of potential but because out financial systems fail to assess their true value.
Our solution
CXingularity’s AI-powered credit engine revolutionizes SME lending by making it fast, fair, and bias-free. Using real-time data such as financial statements, open banking transactions, ESG metrics, and market trends, our platform approves loans up to $500K in just 5 minutes. By eliminating the need for collateral through revenue-based financing and continuously monitoring borrower performance with our Risk Radar, we empower financial institutions to efficiently serve SMEs.
Our differentiator
The differentiator lies in Cxingularity's decision intelligence, hyper-personalization, Customer 360, and real-time insights. The platform leverages advanced AI to provide tailored, real-time credit assessments, adapting to each business's unique financial behaviors and risks. By integrating real-time transaction data, alternative data, and behavioral insights, Cxingularity offers a comprehensive view of risk, enabling faster, more precise, and low-risk credit decisions for lenders.
Biggest achievement
Live Platform with 10+ full time employees. Successfully launched with active users and revenue generation. Secured $150K in revenue from financial institutions in Ireland, UK in 2024. Valued at $5M by Startupbootcamp, affirming our market potential.
