PIMES AI Corporation
Smart Contract Funding for Small Business
A platform connecting multicultural entrepreneurs, minority-owned businesses and global commerce through blockchain technology, AI-assisted tools and community-driven networks — built for the people traditional finance has left out. Serving the United States, the Americas and markets on every continent.
Traditional finance
Bank → broker → fiscal agent → business, at rates that can exceed 200%
The PIMES route
Investor → smart contract → verified business, at an efficient rate
Removing five layers of intermediation, each taking 2–10%, can reduce the effective cost of capital to a business by 50% or more.
26M+
US small businesses in the addressable market
$200B
Estimated institutional capital reachable once infrastructure is verified
70%+
Estimated origination and servicing cost reduction through automation
The core problem
Small businesses — especially minority-owned enterprises and cross-border operators — face crippling interest rates, predatory intermediaries and outdated underwriting criteria that disqualify them before they even begin. In markets across Latin America, Africa and Asia, lending rates can exceed 200% annually due to currency risk, judicial inefficiency and systemic exclusion from capital markets.
Our answer
A blockchain-powered, smart contract-driven funding platform designed to bypass the broken intermediary chain. It starts fresh — ignoring legacy credit scores and traditional underwriting — and replaces them with real-time production data, verified supply chains and decentralized trust, delivering capital at rates that let businesses survive and grow.
An immutable, transparent ledger both lenders and borrowers can trust without trusting a central institution
Every transaction, disbursement and repayment is recorded on-chain and visible to all authorized parties — eliminating fraud and misreporting.
Smart contracts execute automatically when pre-agreed conditions are met. No waiting for bank approvals, wire delays or intermediary sign-offs.
Any verified business — regardless of geography, country or credit history — can participate if it meets the contract's objective production criteria.
Cryptographic verification and decentralized consensus make the system tamper-resistant and more secure than traditional banking infrastructure.
Not exaggeration — the lived reality of millions of entrepreneurs
Small business lending rates in parts of Latin America and other emerging markets exceed 200% annually — banks price currency depreciation, country risk and correction indexes into every loan.
Across multiple countries, mortgage and small business lending markets are severely limited or nonexistent. Banks focus on short-term, high-margin instruments and starve the real economy.
Enforcing a valid repayment claim can take decades in some court systems. That inefficiency becomes a risk premium passed directly to borrowers.
Fiscal agents, brokers and correspondent banks each take a cut, add a premium and slow the process while adding little real value.
“They don't want intermediation. They want efficient capital.”
Five layers, each designed to work independently and integrate seamlessly
Layer 01
Social layer, content, events and vendor-to-vendor matching — the connective tissue that keeps members engaged and accountable.
Layer 02
Proposal writing, opportunity matching and document analysis — always drafted by AI and verified by a qualified human.
Layer 03
Smart contracts, verified transactions and immutable records that build a business's creditworthiness over time.
Layer 04
B2B e-commerce, government procurement alerts and a verified supplier channel into retail and supermarket buyers.
Layer 05
Institutional investors, development finance institutions and CDFIs connected through APIs, dashboards and performance data.
Every component reinforces the others. The community drives engagement and trust. AI reduces friction and raises proposal quality. Blockchain enables trustless verification. Capital markets provide the funding. The marketplace creates the revenue and demand signals that justify the capital. This is an integrated system, not a feature set.
Technology, policy and capital appetite have converged
Smart contract platforms were once too slow, too expensive and too hard to use. Combined with mature cloud, enterprise AI and mobile access, the infrastructure is now ready.
Minority business advocacy, bipartisan interest in fintech innovation and institutional appetite for verified impact have opened a rare window.
A 16-year platform build reached nearly 2 million businesses across the Americas — the network model is validated, the funding rail is what was missing.
AI lets a lean team ship enterprise-grade tools — but only if it stays specialized and builds on proven infrastructure rather than chasing trends.
The human being at the center
A single mother running a food production business in Medellín. A first-generation immigrant operating a construction company in Brooklyn. A young entrepreneur in Buenos Aires exporting to Miami. These are not abstractions — they are the people for whom the banking system has consistently failed.
Start here
Lending model
Smart contract mechanics, the new underwriting paradigm and supply chain collateral.
Capital markets
Where the money comes from, securitization and the metrics that matter.
Technology stack
Blockchain layer, enterprise data architecture and AI guardrails.
Training center
Curriculum that improves a member's ability to access capital and win contracts.