Pipe Launches Four AI Agents to Streamline Small Business Funding
Pipe, a fintech company providing embedded capital products for small businesses, has introduced four AI agents to automate key operational tasks. This move targets improved efficiency and supports Pipe’s ambition to expand internationally without a proportional increase in headcount.
Operational Automation
These AI agents tackle specific challenges around fraud and compliance, capital payment management, customer engagement, and finance operations. Pipe is experiencing strong platform growth, onboarding new technology partners, and preparing to enter new markets. The AI-driven setup shortens operational timelines that once took weeks to near real-time, enabling partners to bring their financial solutions to market faster. This helps small businesses access capital more quickly and smoothly.
The Four AI Agents
- Fraud and Compliance Agent: Speeds up decisions on capital applications needing extra review by analyzing business data to differentiate between manual errors and real compliance or fraud risks. Pipe expects up to 90% of SMB applicants to receive decisions within minutes.
- Recovery Agent: Manages the restart of payments for small businesses facing failed debits. It researches the status of businesses and payment processors to guide the payments team toward the best resolution.
- Sales Agent: Offers continuous support to small businesses across time zones, helping applicants complete capital requests and re-engaging those who have abandoned the process. This agent improves user experience and customer engagement.
- Treasury Agent: Analyzes global cash positions and recommends investment decisions, capital capacity, and risk limits. It transforms treasury operations from time-consuming tasks into near-instant insights, helping redeploy surplus cash to small businesses worldwide.
How Pipe Sees It
Claurelle Rakipovic, Chief Product Officer at Pipe, states, “Every agent we've built replaces manual processes and delivers smoother experiences for small businesses. The goal is simple: move faster, scale smarter, and create the best financial solutions for the businesses that need it most.”
Pipe’s capital platform, launched in 2023, uses live revenue and transaction data for offer assessments. It relies on algorithmic underwriting instead of credit scores or personal guarantees. The platform simulates hundreds of scenarios to optimize approval rates and funding amounts. Impressively, 98% of pre-approved businesses receive their promised funding.
Each platform function works to reduce time to value and remove friction, embedding seamlessly into software small businesses already use. The new AI agents extend automation beyond underwriting into servicing, insights, and proactive financial support.
Strategic Growth and AI-First Approach
Following its acquisition of Glean.ai, Pipe is focused on providing financial solutions previously reserved for larger enterprises, including capital, card and spend management, payment experiences, and AI-powered spend insights.
Rakipovic adds, “Pipe is an AI-first fintech. Instead of adding AI on top of old workflows, we've built core infrastructure to automate underwriting, payments, and compliance from the ground up. Each agent we deploy turns weeks of operational work into seconds, scaling our platform 10x while improving experiences for small businesses and boosting internal team productivity.”
Operations teams in finance and fintech can learn from Pipe’s approach to AI automation—focusing on targeted agents that handle specific tasks efficiently to support scale and speed without ballooning resource needs.
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