Lendio and BOND.AI Partner to Help Banks Retain and Grow Small Business Lending Through Data-Driven Intelligence
Lehi, UT — Feb 11 2026 — Lendio, the nation’s leading small business financing solutions provider, today announced a strategic partnership with BOND.AI, a provider of advanced analytics and AI-powered decisioning for banks and credit unions. The partnership brings together two critical capabilities financial institutions need to better serve small business customers: deep, transaction-level understanding of customer behavior and the ability to act quickly when lending needs emerge.
Banks and credit unions sit on a wealth of customer and transaction data, but turning that information into timely, actionable insight remains a challenge. BOND.AI addresses this through Autopilot, its AI platform powered by the company’s patented Empathy Engine®. Autopilot analyzes transaction behavior, money movement, and business activity to identify patterns that signal shifting needs—helping banks understand when, why, and how small business customers are likely to seek capital.
As small business customers increasingly demand faster, smaller-dollar financing options outside traditional lending workflows, timing and relevance become critical. Through the partnership, when Autopilot identifies behavioral signals that indicate unmet small business lending demand, Lendio is surfaced as a trusted partner to enable banks to respond. With AI-supported automated offers, custom policy control, and efficient origination support, Lendio’s platform helps deliver faster funding options while keeping the customer relationship within a bank-connected ecosystem.
Rather than operating as isolated point solutions, Lendio and BOND.AI are partnering to help financial institutions move seamlessly from insight to execution—reducing friction between identifying opportunity and delivering value to small business customers.
“Financial institutions already have the data they need to better serve small businesses, but translating that data into action has been the missing link,” said Michael Whitacre, Chief Revenue Officer of BOND.AI. “Autopilot, powered by our Empathy Engine®, identifies real-world behavioral signals in transaction data. This partnership extends that intelligence by connecting insight directly to lending execution, so banks can respond at the moment demand emerges.”
In turn, Lendio will refer banks and credit unions seeking deeper customer intelligence, transaction-based insights, and AI-driven analytics to BOND.AI—creating a complementary partner ecosystem that expands the value delivered to financial institutions.
“Small business lending today is driven by behavior. Speed, timing, and flexibility matter,” said Brock Blake, CEO and Cofounder, Lendio. “By partnering with BOND.AI, we’re helping banks act on what their data is already telling them—extending their lending capabilities through a modern platform rather than losing those relationships elsewhere.”
By aligning advanced analytics with lending execution, the partnership helps financial institutions move from reactive lending to proactive engagement—serving small business customers more effectively while modernizing how capital flows through the financial ecosystem.
About Lendio
Lendio is revolutionizing small business lending by connecting small businesses, lenders, and service providers through an integrated technology platform. Their mission is to facilitate an ecosystem that supports small businesses. Lendio offers specialized software to automate loan decisioning, uses AI to match businesses with suitable financing offers, and integrates a loan marketplace within service providers' platforms to help businesses access the capital they need to succeed.
About BOND.AI
BOND.AI is revolutionizing financial health with the world’s first Empathy Engine®, a groundbreaking AI platform that deeply understands consumer needs to deliver personalized financial experiences. Empowering banks, credit unions, employers, and consumers, BOND.AI transforms data into actionable insights, creating tailored products and proactive strategies for lasting financial well-being. With advanced analytics, predictive tools, and empathetic interactions, BOND.AI strengthens customer relationships and drives measurable growth. For more information, visit www.bond.ai.
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