Half of qualified SMB borrowers never complete an application. We fix that.
PixieDust's Integrated Agent intelligently bridges the gap between qualified borrowers and funded loans, seamlessly guiding every step from initial engagement to successful funding.
The gap between a qualified borrower and a funded loan, nobody owns it. PixieDust's Integrated Agent will.
It's not a credit problem. It's a fragmentation problem — and every lender carries it silently in their conversion numbers.
The pipeline breaks in the middle
Follow-ups fall through. Bank connections fail. Documents go un-collected. Applications die at 60% completion. No CRM, LOS, or marketing platform owns this gap.
"We know the borrowers are there. We just can't get them across the finish line."
Your best people are doing your worst work
Loan officers spend 40% of their day chasing documents. Sales reps call borrowers who are at dinner or already funded elsewhere. CAC climbs while conversion stagnates.
"My top rep spent Tuesday chasing stalled applications. She should have been closing."
Your TAM is 100× larger than your reach
2 million SMB borrower segments. Your team can realistically work 20,000 of them. The rest fund with someone else — or don't fund at all. The data exists. The infrastructure didn't.
"We know we're leaving volume on the table. We just don't have the system to capture it."
We didn't theorize about this problem. We lived it.
Every member of the PixieDust team has operated inside the lending infrastructure they're now rebuilding — at PayPal, Funding Circle, JPMorgan, FICO, and D&B.
Three steps. One funded loan machine.
Simple to start. Significant to scale. We plug in alongside your existing stack — you measure the lift.
Find the right borrowers before outreach begins
Pre-select engine connects to your data ecosystem and 200M+ SMB records. Intent, Credit-Box Fit, Approvability, and Contactability scored. You reach borrowers who already fit — not a broadcast list.
AI agents run the conversation — 24/7, in your voice
Domain-trained agents handle follow-up, document collection, bank connections, and edge cases. Multi-channel. Off-hours. Compliant. Every conversation is logged and auditable.
Underwriting-ready applications. Not leads.
Your team receives complete applications — bank data connected, documents collected, intent validated. Time-to-fund drops. Volume grows. Headcount stays flat.
One platform. Three revenue levers.
TAM Expansion
Expand your addressable market beyond native traffic. Our pre-select engine reaches qualified SMBs your current stack can't find.
- Pre-qualified borrowers before first contact
- Intent + Approvability indexed outreach
- Off-hours and weekend coverage
Application Completion
Automate the ops-heavy parts of lending without adding headcount. Rescue every application that falls out after the first touch.
- Bank connections, doc collection automated
- Edge-case resolution with human escalation
- Full audit trail on every interaction
Merchant Capital Access
For eCommerce platforms: ensure merchants who don't fit your native product still get funded — through the right lender in your network.
- Dynamic routing to best-fit product
- Merchant never leaves your platform
- Term loans, flex lines, RBF, SBA coverage
We built for the exam. Not around it.
Federal enforcement is pulling back. State AGs are accelerating. Long statutes of limitations mean decisions made today can be scrutinized years from now under a different administration. Lenders who build auditable AI now are protected. Those who don't have nowhere to hide.
July 2025: Massachusetts AG settled a $2.5M fair-lending action against a lender for failing to test AI models for disparate impact. Federal rollback does not equal reduced risk.
Controlled Conversation
Custom knowledge base per client. Your compliance team approves every parameter. The AI cannot go off-script.
Full Audit Trail
Every conversation, data source, and decision logged. Any borrower history reconstructible for examiners in minutes.
No Demographic Proxies
Sourcing driven by credit-box fit and intent — not demographic data. Designed to expand access, not concentrate it.
Human Escalation
Every ambiguous situation reaches a person with full context. No AI dead-ends. No 'the algorithm decided.'