Lendio, a small business financing solutions provider based in Lehi, has announced a strategic partnership with BOND.AI to assist banks and credit unions in growing their small business lending. The partnership combines transaction-level customer behavior analysis with automated lending execution to help financial institutions respond to emerging capital needs.
Through the collaboration, BOND.AI utilizes its Autopilot platform and patented Empathy Engine to analyze transaction behavior, money movement, and business activity. This technology is designed to identify patterns that signal when small business customers may require capital. Once these behavioral signals are identified, Lendio is surfaced as a partner to provide AI-supported automated offers and efficient origination support, allowing banks to maintain customer relationships within their own ecosystems.
Michael Whitacre, Chief Revenue Officer of BOND.AI, stated that the partnership connects intelligence directly to lending execution so banks can respond at the moment demand emerges. Brock Blake, CEO and Cofounder of Lendio, noted that the partnership helps banks act on existing data to extend lending capabilities through a modern platform rather than losing customer relationships elsewhere.
The arrangement creates a complementary ecosystem where Lendio will refer banks and credit unions seeking deep customer intelligence and AI-driven analytics to BOND.AI. This approach is intended to move financial institutions from reactive lending to proactive engagement by reducing the friction between identifying an opportunity and delivering value to small business customers.
Lendio operates a technology platform that connects small businesses with lenders and service providers, using AI to match businesses with suitable financing offers. BOND.AI provides advanced analytics and AI-powered decisioning through its Empathy Engine to transform data into actionable insights for financial institutions and employers.
