Worth AI’s $10B Vision Is Fixing Business Credit and Changing SMB Financing Forever

For small business owners, accessing capital has long been fraught with challenges, from lengthy approval processes to inconsistent credit assessments. Suneera Madhani, co-founder of Stax Payments, experienced these inefficiencies firsthand while building Stax into a billion-dollar company. The experience illuminated a fundamental issue in small business financing: a fractured and outdated system for assessing creditworthiness. Traditional business credit assessments relied heavily on manual processes and static data, leaving them both time-consuming and inaccurate. Stax's own operations were a testament to this inefficiency. With 40 human underwriters comprising 10% of the workforce, evaluating a client’s creditworthiness took an average of 17 days. Despite this significant investmen