Credibly Strengthens Its AI Intellectual Property with New Patent for SMB Financing

Credibly's New Patent and Its Impact on SMB Financing

Credibly, the leader in AI-powered working capital solutions for small and medium-sized businesses (SMBs), has made headlines once again. On January 28, 2026, the United States Patent and Trademark Office issued a new patent to Credibly, enhancing its already impressive intellectual property portfolio within the fintech space. This patent signifies a critical step in the company's ongoing efforts to innovate and improve financing options for SMBs through advanced AI technologies.

Commitment to AI-Driven Financing

The newly issued patent, known as U.S. Patent No. US 12,505,113 B2, is not just a testament to Credibly's innovation but also reflects its dedication to integrating Generative AI and Machine Learning into SMB financing processes. Ryan Rosett, Credibly’s co-founder and co-CEO, articulated that the company’s pursuits in securing patents reaffirm their commitment to creating a sustainable AI infrastructure that directly benefits small businesses by enhancing access to capital.

Rosett emphasizes, "This isn't about experimenting with AI around the edges — it's about operating in ways that meaningfully improve the speed, accuracy, and outcomes for small business owners." The focus is on actionable outcomes rather than mere theoretical advancements.

Evolution of Credibly's Technology

This latest patent builds on prior technological advancements Credibly has achieved, enhancing its platform's capabilities for machine learning and deep learning application. The innovations introduced by the new patent allow for improved methods of evaluating affordability and structuring financing offers. Additionally, the automation of complex underwriting processes is designed to scale effectively, thus providing faster and more precise decisions for SMB owners seeking funding.

In contrast to conventional underwriting methods that are often bogged down by outdated systems and manual processes, Credibly introduces a streamlined, AI-powered approach. This approach learns from historical data to adapt continuously to changing risk landscapes, ensuring more intelligent and timely credit decisions for small businesses.

Minyang "MJ" Jiang, Credibly’s Chief Strategy Officer, highlights, "This patent represents another step forward in making AI a foundational capability throughout Credibly's platform." The emphasis is placed on developing AI systems that are not only scalable but feasible for real-world applications.

A Broader Commitment to SMBs

The issuance of this patent is part of a larger strategy by Credibly to position itself as a leader in providing practical, production-ready AI systems catering to SMBs at various growth stages. With an impressive track record of supporting over 60,000 SMBs and delivering access to more than $3 billion in capital since its inception in 2010, Credibly maintains its status as a key player in the fintech landscape.

The company has not only witnessed steady growth but has also pioneered significant milestones, such as being the first in its industry to secure servicing rights to another alternative working capital company's portfolio. This illustrates Credibly's strength in risk management and compliance, which are core to their business ethos.

Future Developments

Credibly's headquarters in Southfield, Michigan, along with offices in New York and Arizona, position the company well for future expansions and innovations. As the fintech landscape continues to evolve, Credibly’s commitment to developing AI tools that aid small businesses underscores their vision for a more accessible capital ecosystem.

In summary, this latest patent represents not just another achievement for Credibly but is indicative of their mission to reshape the way SMB financing operates. With an unwavering commitment to leveraging AI and machine learning, Credibly is set to continue its trajectory of growth and innovation, ensuring that small business owners receive the support they need to thrive in an increasingly competitive market.

For more information about Credibly’s offerings and its latest patent developments, visit Credibly's website.