PIMES AI Corporation
Smart Contract Funding for Small Business
A smart contract is a self-executing agreement coded directly onto the blockchain. When pre-agreed conditions are met — a shipment confirmed, an invoice verified, a production milestone reached — the contract executes automatically. No bank approval required, no intermediary discretion, no delay.
Why the rate falls
Rates above 200% are not irrational bankers — they are rational actors pricing real risks: currency depreciation, enforcement failure, unverifiable business data and the cost of manual underwriting at small loan sizes.
The platform is designed to eliminate each of those risk factors through technology rather than absorb them into the price.
200%+
Rates small businesses face in the markets we target today
70%+
Projected reduction in origination and servicing cost
40–60%
Estimated servicing cost reduction for partner banks
Days
Target time from application to funding, versus months
Four stages, none of which depend on intermediary discretion
Repayment schedule, interest rate, milestones and covenants are written into the smart contract and deployed to the blockchain.
Production records, delivery confirmations and financial performance are fed in through verified data oracles — no manual reporting required.
When conditions are met, funds are disbursed or repayment is triggered instantly, accurately and without human intervention.
Each execution is recorded immutably on-chain, creating the verified track record that becomes the business's underwriting history.
The past doesn't define you here — production, partnerships and plan do
What traditional banks look at
For the majority of minority-owned small businesses and cross-border operators, these criteria are disqualifying by design.
What PIMES looks at
That's not charity. It's intelligent underwriting for the real economy.
A confirmed purchase order represents future cash flow that can be funded today
A small business with verified production capacity and a confirmed supply contract enters the platform.
The purchase order is tokenized on-chain and funding is released against delivery milestones.
A confirmed end customer — often a supermarket or retail chain — with established payment terms and purchasing history.
Institutional capital receives yield, with risk mitigated by a real-world demand signal rather than a legacy balance sheet.
You don't need property or a legacy balance sheet. You need a real buyer, a real product and a verifiable production process — and the platform verifies all three before connecting it to capital.
Supermarkets as the anchor
The end consumer is the signal. A shopper walks into a supermarket every week with cash or credit and buys groceries. That demand is predictable, recurring and real — which makes it the ideal anchor for supply chain financing. Between a small producer and the shelf sit distributors, brokers and logistics companies, each taking margin and adding complexity. Smart contracts can manage payment terms and inventory financing across that gap directly.
Illustrative scale, not booked volume: if 10% of a 2-million-business trade network produced consumer goods destined for supermarket shelves, and each needed $50,000 in working capital, that is a $10 billion opportunity in one product category, in one sector.
Rate reduction mechanism
Currency risk
Stablecoin-denominated contracts remove depreciation exposure from the pricing.
Enforcement risk
Smart contract auto-execution replaces reliance on slow judicial enforcement.
Data risk
On-chain verification creates reliable, continuous performance history.
Underwriting cost
AI and automation are projected to cut origination cost by more than 70%.
A distribution and origination layer for banks that have capital but no reach
What banks gain
What businesses gain
“Removing five layers of intermediation, each taking 2–10%, can reduce the effective cost of capital to a business by 50% or more. For a company on thin margins, that difference is survival versus closure.”
Communities traditional finance has most consistently failed
Historically underserved by traditional banks and often excluded from government contracting pipelines despite meeting every qualification criterion.
Women-led businesses in high-growth sectors facing compounded barriers: lending bias, limited network access and industry underrepresentation.
Small and mid-size exporters and importers needing working capital, supply chain financing and currency-risk tools banks won't offer at their scale.
Immigrant and first-generation owners with the drive, skills and market knowledge but without credit history, collateral or legacy banking relationships.