Byzfunder announced the launch of TraceDataIQ, its proprietary AI-native underwriting intelligence platform built specifically for small-business finance.

Traditional systems extract information from bank statements. TraceDataIQ goes substantially further—analyzing the complete financial, operational and public profile of a business and converting fragmented information into real-time, decision-ready underwriting intelligence.

Built on the knowledge and performance history developed through more than $2 billion in financing provided to over 35,000 businesses, TraceDataIQ evaluates how a company actually operates—not merely what appears on its application.

Beyond Bank-Statement Parsing

TraceDataIQ automatically:

• Converts bank statements, financial statements, P&Ls, balance sheets, accounts receivable and accounts payable into structured underwriting intelligence.
• Evaluates cash-flow quality, revenue volatility, existing obligations, payment performance, modifications and signs of financial stress.
• Conducts comprehensive background screening across state and federal court systems, public records, UCC filings and third-party data sources.
• Analyzes a company's digital footprint, including public-facing websites, business profiles and social media, to validate its identity, operations and credibility.
• Continuously synthesizes financial, behavioral and external data into an explainable risk assessment that informs approval, structure, pricing and collectability.

"If the information is out there, TraceDataIQ will find it."

By transforming fragmented financial, legal, operational and public data into actionable underwriting intelligence, TraceDataIQ has materially strengthened Byzfunder's ability to reduce charge-offs while continuing to provide essential capital to underserved American businesses. This combination of deeper risk intelligence and broader access to credit distinguishes Byzfunder within the U.S. small-business financing market.

"TraceDataIQ represents the future of small-business underwriting," said Ilya Fridman, Founder and CEO of Byzfunder. "Traditional systems read bank statements. TraceDataIQ understands the business behind them. It identifies risks, patterns and opportunities that conventional models miss and turns that intelligence into faster, more consistent and more accurate credit decisions."

"Our objective was never to build another parser," Fridman continued. "We built a digital underwriter—one capable of evaluating the complete financial story of a business, finding the information required to make an informed decision and continuously reassessing risk as new information becomes available. This allows us to protect performance while continuing to fund the American small businesses that traditional financial institutions too often overlook."

Intelligence That Extends Across the Credit Lifecycle

TraceDataIQ serves as the proprietary intelligence layer within ByzOS, Byzfunder's integrated origination and portfolio-management platform.

The system combines banking activity, financial statements, payment behavior, public records and business-background intelligence into a single underwriting assessment. Its findings support credit approval, exposure sizing, deal structure, pricing, fraud detection and expected-recovery analysis.

TraceDataIQ can also reassess a business when new information becomes available, identifying changes in revenue, financial obligations, lender positions, banking relationships, payment performance and legal exposure.

The launch represents a significant step toward Byzfunder's vision of a fully connected, AI-native financing platform capable of moving from raw business data to underwriting, pricing, approval and funding with substantially less manual intervention.