Because small businesses deserve better banks


We talk human

Work for impact

Driven by data

Small businesses are underserved

Entrepreneurs lack access to formal credit

Entrepreneurs and small businesses around the world continue to be underserved by banks with poor access to financial services. Even though creditworthy, only 1 out of 10 has access to formal credit. Traditional banks face high unit economics and lack client data to determine loan eligibility. Meanwhile fintech players are disrupting the market and challenging traditional banks, but fail to offer the more complex SME oriented products.  

Transform financial services

Bring data intelligence to financial institutions

We challenge the status quo and equip banks with cutting-edge technology and data intelligence to open new channels. With Rubyx, banks offer loans at scale at a fraction of typical costs. Fast, fair and tailored to the specific needs of small businesses. 

Rubyx is the go-to house for banks and investors who want to grow vital SMEs and their local communities. Forging true partnerships with emerging entrepreneurs.

Meet our founding team

Crazy about data, serious about people


We are entrepreneurs, data scientists, engineers and financial specialists relentlessly focused on impact.

We believe that everyone, everywhere deserves fair financial access.


Customer Success

Data Science

Data Platform