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Section 1 · AMLOK

Capital Infrastructure for AI-Native SMB Funding

The routing engine that turns SMB capital from manual lending into programmable, agent-deployed infrastructure.

Revenue-based fundingWorking capital automationMulti-funder capital routingAutomated underwriting + collectionAgent-native capital markets for SMBs

Can any capital provider deploy into any verified SMB automatically, within their own rules?

/presentation#market-reality

What Everyone Is Building Today

The market is focused on embedded lending and single-platform capital products.

  • Shopify Capital, Stripe Capital, and Adyen Capital each serve their own merchant base.
  • Fintech lenders often operate in a single vertical with a single capital source.
  • Banks and credit unions still rely on slow manual underwriting cycles.
  • Most systems answer whether one merchant qualifies for one provider's product.
  • They do not answer which capital source is the best fit for this business right now.

/presentation#architecture-today

Architecture Today: Capital Outside the Network

Most capital deployment is vertical and siloed. Each funder builds and operates its own stack.

Architecture Flow

Funder A -> Own Underwriting -> Own Merchants -> Own Collection
Funder B -> Own Underwriting -> Own Merchants -> Own Collection
Funder C -> Own Underwriting -> Own Merchants -> Own Collection
  • Each funder only sees its own merchants.
  • SMBs receive disconnected offers or no offer at all.
  • There is no standardized routing layer or shared deal format.

/presentation#architecture-shift

Architecture Shift: Capital Routing in the Network

Insert a routing layer that connects any funder to any verified SMB.

This is the difference between vertical lending and capital infrastructure.

Architecture Flow

SMBs -> Verify -> Deal Card -> AMLOK Routing Engine -> Funder Agents -> Deploy -> Collect
Multiple funders' rules evaluate the same opportunity
  • Capital becomes a routed resource rather than a siloed product.
  • Funders compete on terms and SMBs get the best match.
  • Every decision remains auditable and policy-controlled.

/presentation#deal-card

What the Routing Layer Evaluates

A Deal Card combines verified business signals into a standardized capital opportunity.

  • Borrower profile, registration, province, industry, and owners
  • Revenue health across trailing periods, growth, seasonality, and channel concentration
  • Cash-flow signals such as DSCR, margin, balances, and overdrafts
  • Request parameters and recommended structure
  • Risk classification and confidence score

/presentation#module-stack

Module Stack

Capital deployment is decomposed into six operational modules.

  • Verify: identity and revenue verification
  • Deal Card: standardized capital opportunity protocol
  • Decide: policy engine and agent evaluation
  • Route: multi-funder matching and split funding
  • Deploy: disbursement and execution rail
  • Govern: audit, compliance, and reporting

/presentation#novelty-deal-card-standard

Deal Card as Capital Protocol

The Deal Card is the machine-readable standard that allows any funder agent to evaluate any qualified SMB opportunity.

  • It normalizes heterogeneous provider data into one evaluable format.
  • It allows different capital providers to compete on a shared representation.
  • It acts like a protocol layer between capital supply and demand.

/presentation#novelty-policy-agents

Policy-Controlled Funder Agents

AI agents execute funder-specific underwriting rules within defined guardrails.

Architecture Flow

Funder -> Policy Config -> Agent Created -> Deal Card Evaluated -> Decision
  • Institutions without deep internal tooling can still operate programmable underwriting.
  • Agents execute the funder's rules, not an opaque autonomous judgment.
  • Every decision captures the rules fired and the data used.

/presentation#novelty-multi-funder-routing

Multi-Funder Capital Routing

AMLOK matches Deal Cards to the best funder or mix of funders, including split funding.

  • Routing can optimize for best rate, fastest funding, highest amount, or diversification.
  • Cascade logic keeps moving through the network when one funder declines.
  • Split funding supports blended structures across multiple sources.

/presentation#three-funder-tiers

Three Funder Tiers

AMLOK serves institutions, accredited investors, and retail investors with different compliance and product models.

  • Financial institutions use AMLOK as low-friction infrastructure.
  • Accredited investors require EMD-backed participation structures.
  • Retail investors require the heaviest compliance and managed diversification.

/presentation#implementation-phases

Implementation Phasing

The rollout path moves from controlled single-funder deployment to open capital-network infrastructure.

  • Phase 1A: single-funder RBF engine
  • Phase 1B: policy and agent layer with second funder
  • Phase 2: accredited-investor expansion
  • Phase 3: retail marketplace if needed
  • Phase 4: open capital network