Tackling critical issues in fraud and compliance, capital payment management, customer engagement, and finance operations, the fintech offering embedded capital products to small businesses Pipe has launched four new advanced AI agents.
To continue expanding its consumer base, Pipe has turned to these new agents to enable it to reduce operational complexity without having to increase headcount. Having recently onboarded new tech partners, like Glean.ai, and while preparing to launch in new geographies, the new AI solutions will enable Pipe to shift its model from a resource-constrained one to a software-driven platform.
This, in turn, gives it the capability to offer tailored financial solutions to small businesses that were only previously available to established enterprises.
These systems are already compressing weeks of human operations into near-instant workflows, enabling platform partners to launch faster and provide small businesses with quicker access to capital.
“At Pipe, we’re focused on using AI where it actually drives better experiences and financial solutions for our partners, and the small businesses who finally have access to capital through their platforms,” said Claurelle Rakipovic, chief product officer at Pipe. “Every agent we’ve built is replacing manual processes and delighting small businesses with new positive experiences. The goal is simple: move faster, scale smarter, and make the best financial solutions for small businesses that need it most.”
Four new AI Agents
Fraud and Compliance Agent
It accelerates capital decisions when an application is flagged for further review, rapidly analysing business data to differentiate between manual data errors and genuine compliance or fraud risks, dramatically shortening response times. Pipe expects up to 90 per cent of SMB capital applicants will receive decisions on their application within minutes.
Recovery Agent
It streamlines the manual process of restarting payments with small businesses that have failed debits, doing deep research on the status of business operations and payment processors. This enables the payments team to deliver high-value customer interactions with an AI co-pilot guiding the most appropriate course of action.
Sales Agent
It delivers around-the-clock support across all geos and time zones to small businesses applying for capital and proactively engages with businesses that have abandoned an application. The sales agent makes the process of completing applications and accessing capital even more user-friendly
Treasury Agent
Provides recommendations between investment decisions and the portfolio of cash across our global operations to maximise capital capacity while preserving risk limits.
The treasury agent is a real-time liquidity radar and assistant that turns hours of spreadsheet and external treasury system reviews into instant insights by continuously scanning global cash positions, securitisation vehicles, macro events, and cash management policies. It flags and directs actions on surplus cash that can be redeployed directly to small businesses globally.
Optimisation through automation
Pipe has been AI-native from the start, designed to meet the day-to-day financial needs of small businesses with a much-needed embedded financial operating system. Its capital platform, launched in 2023, already uses live revenue and transaction data, not credit scores or personal guarantees, to algorithmically underwrite and optimise offers.
Before showing a single offer, Pipe runs hundreds of simulations to maximise approval rates and advance amounts, with 98 per cent of pre-approved businesses getting the promised funding. Every capability is designed to compress time-to-value and remove friction at scale, embedded inside the platforms small businesses already use.
The new generation of AI agents builds on this foundation, extending automation beyond underwriting into servicing, insights, and proactive financial support.
“Pipe remains focused on being an AI-first fintech. Rather than layering AI onto old workflows, we’ve built core infrastructure to automate underwriting, payments, and compliance from the ground up,” said Rakipovic. “With each agent shipped, we’re collapsing what used to take weeks of ops into seconds, accelerating our scale 10 times and providing better experiences for small businesses with more productive and efficient internal teams.”
