acuteIQ is a customer acquisition platform that uses artificial intelligence and 1st party data to deliver a 4x improvement in performance. Using acuteIQ's technology, marketers can increase consumer engagement throughout each step of the consumer buying experience, from brand awareness to conversion.

1. Ian Foley
CEO & Founder
Confidential
The machine learning economy is here.
Targeting the Commercial Lending & Insurance Market

2. SMALL BUSINESS MARKET IS
HUGE OPPORTUNITY, BUT
CHALLENGING TO SELL INTO.

3. MACHINE LEARNING CAN PROVIDE
A SCALABLE SOLUTION.

4. ACUTEIQ’S PRODUCT SOLUTION.
• 21M businesses
DATA + PLATFORM
• Machine learning to find “active
signals” of purchase intent
• +500 million data facts

5. DIFFERENTIATION.
• Scalable Approach to Data Integration
• Data Depth
• Self-Learning Platform

6. MACHINE LEARNING CAN POWER THE
LENDING LIFE CYCLE FOR BANKS

7. PRODUCT OVERVIEW: Managed/Self-service
platform.
Loan Application
Declined
Loan Application
Approved
Business Insights
Leads

8. OUR SOLUTIONS.
Q1: How do we originate new SMB loan applicants?
acuteIQ: Event-based trigger for a business needing
a certain lending product.
Q2: Will I get paid?
acuteIQ: Business Risk Rating (BRR) analyzing
bankrupt/defaults by industry or company.
Q3: Will I get paid on time?
acuteIQ: Credit Risk Rating (CRR) analyzing likely
delinquency of payments by industry or company.

9. HOW OUR SOLUTIONS DELIVER VALUE.
Q1: How do we
originate new SMB
loan applicants?
Event-based trigger
• Business Lifecycle Trigger. Predictive based on industry/business size.
Tied to individual bank products (eg. Line of Credit for startup at Series C
round, Commercial real estate SBA loan for retailer after 4 years)
• Activity Signal. Predictive based on business behavior. Indirectly linked to a
bank product (eg. Working capital loan for a restaurant’s liquor license about
to expire, Working capital loan to a construction company that has recently
won a contract)
Q2: Will I get paid?
Business Risk Rating
Q3: Will I get paid on
time?
Credit Risk Rating
• Based on industry-specific characteristics, layered on top of a meta rating
from 3rd party Credit Bureaus
• Risk scores are assigned by correlating known delinquency behavior
according to location and industry. Percentile scores measure the relative
risk of a given business in the population, and are categorized into 5 classes
based on probability of delinquency in the next 12 months. For reference,
companies in the highest risk class have around 50% chance of delinquency,
and companies in the lowest risk class are 1-2%.

10. Data Warehouse
BigQuery
Lead Generation API
Compute Engine
Generated Leads
Cloud Storage
3rd party data
acuteIQ data
ACUTEIQ’S TECHNOLOGY AND DATA
INTEGRATES INTO LENDING SYSTEMS.
Google Cloud Solutions
Used by acuteIQ
API API
Client Data Pipeline
TensorFlow ML

11. Customer
Profile
Bank
Credit Box
Parameters
acuteIQ
Loan Training Data
acuteIQ
Market, Credit and
Insights Data
IDENTIFYING THE PROFILE

12. BASED ON UNIQUE TRAINING DATA

13. EXAMPLE: ACQUIRING SBA CUSTOMERS

14. MACHINE LEARNING CAN POWER
THE INSURANCE LIFE CYCLE

15. PRODUCT OVERVIEW: Managed/Self-service
platform to support origination.
Policy Application
Approved
Business Insights
Leads
Policy Application
Declined
Inputs for self-
learning

16. OUR SOLUTIONS.
Q1: How do we originate new policy applicants?
acuteIQ: Event-based trigger for a business needing
a certain insurance product.
Q2: Will I get paid?
acuteIQ: Business Risk Rating (BRR) analyzing
bankrupt/defaults by industry or company.
Q3: Will I get paid on time?
acuteIQ: Credit Risk Rating (CRR) analyzing likely
delinquency of payments by industry or company.

17. HOW OUR SOLUTIONS DELIVER VALUE.
Q1: How do we
originate new SMB
policy applicants?
Event-based trigger
• Business Lifecycle Trigger. Predictive based on industry/business size.
Tied to individual insurance products (eg. D&O insurance)
• Activity Signal. Predictive based on business behavior. Indirectly linked to
an insurance product (eg. increase in umbrella insurance coverage to a
construction company that has recently won a contract)
Q2: Will I get paid?
Business Risk Rating
Q3: Will I get paid on
time?
Credit Risk Rating
• Based on industry-specific characteristics, layered on top of a meta rating
from 3rd party Credit Bureaus
• Risk scores are assigned by correlating known delinquency behavior
according to location and industry. Percentile scores measure the relative
risk of a given business in the population, and are categorized into 5 classes
based on probability of delinquency in the next 12 months. For reference,
companies in the highest risk class have around 50% chance of delinquency,
and companies in the lowest risk class are 1-2%.

18. Data Warehouse
BigQuery
Lead Generation API
Compute Engine
Generated Leads
Cloud Storage
3rd party data
ACUTEIQ’S DATA CAN BE INTEGRATED
DIRECTLY INTO AN INSURANCE COMPANY.
acuteIQ
database

19. Self-learning database,
customized to every user
Triggers from company
lifecycle or event signals
Business and Credit Risk
Scores
General business industry
and economic data
Insurance triggers from
company financial info
COMPETITION.
Number of SMB records21 million

20. The machine learning economy is here.
The way we have done business has fundamentally changed.
Ian Foley
CEO & Founder
ifoley@acuteIQ.com
415 531 0098