AI-Driven Payments, Built for SMB Scale

Payment solutions that elevate services, delight customers, and maximize returns.

For banks, credit unions and all other lending institutions

magnet is like Plaid for Business Customers

Analyze

Recommended financial products

AI generates the terms that drive your success.

Enhance

Underwrite for term loans & invoice financing

magnet payments.FinX

Magnet Payments is an AI-driven fintech platform that enables financial institutions to offer credit cards, term loans, and invoice financing to SMB customers through a white-label solution—either embedded within existing apps or as a standalone application. Leveraging proprietary AI algorithms, Magnet analyzes key financial and behavioral signals with minimal data input to deliver precise credit decisions, optimize product recommendations, and reduce risk while maximizing portfolio performance.

magnet does powerful work in a really simple way

All within an enterprise-grade secure environment.

Seamless Integration

Plug-and-play lending infrastructure for banks

White-label solution that embeds easily into your app or website with minimal engineering and full brand control.

Seamless Integration

Plug-and-play lending infrastructure for banks

White-label solution that embeds easily into your app or website with minimal engineering and full brand control.

Seamless Integration

Plug-and-play lending infrastructure for banks

White-label solution that embeds easily into your app or website with minimal engineering and full brand control.

Faster Credit Decisions

Instant approvals powered by intelligent automation

AI-driven underwriting enables real-time credit decisions with minimal data, reducing manual reviews and wait times.

Faster Credit Decisions

Instant approvals powered by intelligent automation

AI-driven underwriting enables real-time credit decisions with minimal data, reducing manual reviews and wait times.

Faster Credit Decisions

Instant approvals powered by intelligent automation

AI-driven underwriting enables real-time credit decisions with minimal data, reducing manual reviews and wait times.

Tailored Financial Products

Lending that adapts to every business

Proprietary AI matches SMBs with the right credit products—boosting satisfaction and reducing default risk.

Tailored Financial Products

Lending that adapts to every business

Proprietary AI matches SMBs with the right credit products—boosting satisfaction and reducing default risk.

Tailored Financial Products

Lending that adapts to every business

Proprietary AI matches SMBs with the right credit products—boosting satisfaction and reducing default risk.

By the Numbers: What magnet Delivers

Faster Time-to-Credit:

70%

AI-driven underwriting reduces approval time from days to minutes, accelerating SMB access to capital.

Faster Time-to-Credit:

70%

AI-driven underwriting reduces approval time from days to minutes, accelerating SMB access to capital.

Faster Time-to-Credit:

70%

AI-driven underwriting reduces approval time from days to minutes, accelerating SMB access to capital.

Lower Default Rates:

30%

Precision risk models tailor products to borrower profiles, improving repayment outcomes.

Lower Default Rates:

30%

Precision risk models tailor products to borrower profiles, improving repayment outcomes.

Lower Default Rates:

30%

Precision risk models tailor products to borrower profiles, improving repayment outcomes.

Increase in Product Uptake:

2.5x

Contextual product recommendations drive higher engagement and cross-sell conversion

Increase in Product Uptake:

2.5x

Contextual product recommendations drive higher engagement and cross-sell conversion

Increase in Product Uptake:

2.5x

Contextual product recommendations drive higher engagement and cross-sell conversion