Pipe Introduces Four AI Agents to Streamline Financial Solutions for SMEs
Pipe, a fintech platform focused on embedded capital products for small businesses, has launched four AI-driven agents aimed at tackling key challenges in fraud detection, compliance, capital payment management, customer engagement, and finance operations. This move allows Pipe to reduce operational complexity and scale without increasing headcount.
With recent partnerships like Glean.ai and plans to enter new markets, these AI agents enable Pipe to shift from a resource-limited model to a software-driven platform. The result is faster onboarding for platform partners and quicker access to capital for small businesses—services previously available mainly to larger enterprises.
AI Agents Transforming Operations
Claurelle Rakipovic, Pipe’s chief product officer, emphasizes the focus on AI that improves experiences and financial solutions for small businesses. Each agent replaces manual tasks and streamlines processes, making it easier to move quickly and scale efficiently while delivering better financial products.
Four New AI Agents Explained
- Fraud and Compliance Agent: Speeds up capital decision-making by quickly analyzing flagged applications, distinguishing between data errors and genuine risks. This agent aims to deliver decisions within minutes to up to 90% of small business capital applicants.
- Recovery Agent: Automates the process of restarting failed payments by investigating the status of businesses and payment processors. It acts as an AI co-pilot, guiding the payments team to deliver higher-value customer interactions.
- Sales Agent: Provides 24/7 support across time zones, assisting small businesses during capital applications and re-engaging those who abandon the process. This agent simplifies application completion and access to funding.
- Treasury Agent: Offers real-time recommendations for investment decisions and cash portfolio management across global operations. It scans cash positions, securitization vehicles, macroeconomic events, and risk policies to optimize liquidity and redeploy surplus cash to small businesses.
Automation Drives Efficiency and Scale
Pipe has been built as an AI-native platform to meet small businesses' financial needs with an embedded operating system. Launched in 2023, its capital platform uses live revenue and transaction data—not credit scores or personal guarantees—to underwrite and optimize funding offers algorithmically.
Before presenting offers, Pipe runs hundreds of simulations to maximize approval rates and advance amounts, resulting in 98% of pre-approved businesses receiving promised funding. This approach minimizes friction and shortens the time to access capital by integrating seamlessly with platforms small businesses already use.
The new AI agents expand automation beyond underwriting, covering servicing, insights, and proactive financial support. Rakipovic notes that instead of layering AI onto old processes, Pipe built core infrastructure from scratch to automate underwriting, payments, and compliance. The outcome is a scale-up that compresses weeks of operations into seconds, accelerating growth tenfold and improving internal productivity.
For finance professionals interested in how AI can streamline financial operations and capital management, exploring AI automation courses can be valuable. Resources like Complete AI Training on automation offer practical insights into applying AI tools effectively in finance workflows.
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