The agentic transformation partner for the small business economy.

Growth OS is a set of three modules that help banks, credit unions and CDFIs grow their small business relationships. Identified Accounts finds the small businesses already in your consumer book. The Lending Portal gets them capital through partner lenders, with proceeds deposited at your institution. Growth uses an industry-trained AI advisor to help your bankers understand each business and deliver guidance that helps owners grow. Together they help you become the partner your business customers rely on.

Banks, credit unions and CDFIs of any size, from community institutions to those with $20 billion or more in assets. The starting point differs by size: smaller institutions use raivin as their small business data science team, regional institutions use it to scale small business coverage across markets, and larger institutions add its detection model and enrichment to the data programs they already run.

Our models analyze patterns in the data you already hold and enrich them with public information to estimate which customers operate a business. Every account gets a score, a confidence level and an explanation your bankers can review. We walk through the methodology in detail in a demo.

Every account gets a score and a confidence level, with an explanation bankers can see. In a pilot we validate accuracy on a reviewed sample of your own accounts, with a target of more than 70% precision, and the model improves with each cycle as your bankers confirm results.

Yes. Most institution models are built around existing business clients. raivin adds a model trained specifically to find small businesses operating through consumer accounts, plus public-data enrichment, and delivers scores and profiles into your warehouse, CRM or marketing tools so your team can use them alongside its own work.

Yes. Each module is sold on its own, with its own scope and success metric. Most institutions start with Identified Accounts because it is read-only and requires no change to your processes, then add the Lending Portal or Growth when the first module proves out.

No. The agent advises; your bankers and partner lenders decide. It gives owners plain-language guidance and gives bankers the context for a more useful conversation. Credit bureau and third-party data are used only with the owner's consent.

Growth OS is designed to integrate with the major banking cores from Jack Henry, Fiserv and FIS through their established data extract layers. Larger institutions can provide the same read-only extract from their data warehouse instead.

We work from a secure, read-only extract from your core, combined with public data sources. There is nothing to install and no change to staff workflow or the customer experience. We cover the specifics during scoping.

No. Identified segments export straight to the CRM and marketing tools you already use, refreshed monthly or quarterly.

No. raivin builds, trains and maintains the models. Your team works from scored lists, enriched profiles and reports in the tools they already use.

Your data is isolated in its own tenant with row-level security, encrypted with AES-256 at rest and TLS 1.3 in transit, and it is never shared with another institution. Our controls follow a SOC 2 program covering security, availability and confidentiality, and our information security program is aligned to the GLBA Safeguards Rule.

That is the goal from day one. We keep a trust packet ready and can send it within 24 hours: SOC 2 status letter, security whitepaper, business continuity and incident response plans, penetration test summary, insurance certificates, data flow diagrams and sub-processor list.

Every score is explainable, with the signals behind it. We provide model documentation built for your model risk management review under SR 11-7, and the models use no protected-class inputs.

No. Partner lenders set the credit criteria, underwrite, fund and service the loans under their own licenses. Borrower disclosures name the lender as the funding source and state your institution's role.

You keep the relationship and the deposit. Loan proceeds land in the borrower's account at your institution, and owners get capital you couldn't offer them before. An incentive share of the lender's fee is also available to partner institutions, set by agreement and disclosed to borrowers.

A short, simple pre-qualification that takes minutes, and the soft credit check doesn't affect the owner's score. Owners see the options they qualify for. Those who don't match are told why and routed to your bankers, so the relationship continues either way.

We start with a 30 to 60 day pilot. Week 0 covers the agreement, vendor review and the secure extract. Weeks 1 to 3 cover scoring, enrichment and your market build. Weeks 4 to 6 are the readout of your identified accounts and Market Opportunity Report.

Each module is priced on its own and scaled to your asset size, number of markets and scope. Pilots are priced for a defined 30 to 60 day scope. Talk to us and we'll size a proposal for your institution.

We agree on the measures before we start: the size and mix of the identified cohort, precision above 70% on a reviewed sample, and pipeline and deposits you can attribute. After go-live we report new relationships, deposit inflows, relationships retained and deepened, and owner engagement.