Technology
We decide in hours,
not weeks.
Speed in working capital isn't luck. It's engineering. PIRS pairs proprietary scoring and underwriting technology with the PIRS Portal so applications move from submission to decision the same day, with bank-level security the whole way.
- Same-day decisions
- Bank-level security
- Built in-house
The edge
What the technology buys you.
A direct lender controls its own stack. That control is what turns a multi-week underwriting cycle into a single business day.
Decisions on qualified files
Funding when approved
No hard credit check
Encryption in transit
The stack
Four systems working as one.
Our portal, scoring, underwriting, and security are built to work together, not bolted on from three vendors.
PIRS Portal
Our partner and merchant portal at pirsportal.com: submit deals, track status, manage renewals, and talk to the underwriting team in one place.
Proprietary scoring
Our in-house scoring model reads the signals that matter for real businesses (cash flow, history, and trajectory), not just a personal credit number.
Underwriting engine
Our underwriting engine surfaces a clear, structured view of each file so human underwriters decide faster: technology that assists judgment, not replaces it.
Bank-level security
Encryption in transit and at rest, strict access controls, and continuous monitoring protect every application and document you share with us.
Under the hood
How the technology moves a deal.
The same flow whether you apply directly or come through a partner. The tech just makes each step faster.
Capture & verify
You apply in minutes. The portal ingests your application and connects bank data securely: a soft pull only, never a hard credit check.
Score & structure
Proprietary scoring and the underwriting engine assemble a structured view of the business in real time, so an underwriter can decide the same day.
Decide & fund
We review every file holistically, terms are presented in plain English, and funding can land in as little as 24 hours.
PIRS Portal
One portal for partners and merchants.
The PIRS Portal at pirsportal.com is where deals get done. Brokers submit and track files; merchants manage their advance and renewals. Same secure system, role-aware views, a direct line to the team.
Submit applications and supporting documents securely. Track deal status from submission to funded in real time. Manage renewals and stay ahead of the next cycle. Message the underwriting team without leaving the portal.
Security
Built to protect what you share.
Funding requires sensitive data. We treat it that way, with controls designed to keep your business and bank information safe.
Encrypted end to end
Data is encrypted in transit and at rest. Documents and bank connections are protected with industry-standard cryptography.
Least-privilege access
Only the people who need a file can see it. Access is role-aware, logged, and continuously reviewed.
Monitored & resilient
Our systems are monitored around the clock with safeguards designed to keep your data available and intact.
No hard credit check. Pre-approval uses a soft inquiry only. Security claims describe our standard practices; specific attestations are added here as they are completed.
Apply and feel the difference.
The fastest way to understand our technology is to use it. Apply for working capital and get a same-day decision.