SERIES SEED · CONFIDENTIAL

The Sovereign OS for Independent Enterprise.

Eradicating digital fragmentation for founders while generating the continuous, verified data feed that modernizes CDFI underwriting.

Read the deck

STAWI.AI·PHAROH MARTIN, FOUNDER & CEO

01The Problem

Underserved entrepreneurs are starved by a broken underwriting stack.

CDFIs and mission lenders are the last line of capital for the 33M small businesses that traditional banks reject. But their tooling is a Frankenstein of spreadsheets, PDFs, and 90-day manual reviews — bleeding capacity at the exact moment America needs it most.

8.5B

Annual credit gap

73%

SMB loan rejection rate

90d

Avg. underwriting cycle

3.2×

Operating cost per loan

THE REAL COST

"I waited 4 months for an answer. By then, my opportunity was gone."

02The Solution

Eradicate app fatigue. Generate institutional trust.

Stawi.AI is the Sovereign OS built for the founder. By consolidating daily operations, it autonomously generates the pristine CFO Insight Reports that CDFI loan committees require.

Open Finance Ingest

Connect bank, accounting, payroll & POS data in minutes — no PDFs.

AI Decision Agents

Cash-flow, character, and capacity analysis explained in plain English.

Auditable & Compliant

Every decision traceable. CDFI-grade governance built-in.

50–70%

Lower cost-to-decision

+35%

Approval lift

90min

Time to decision

03Product Workflow

A founder-first OS that outputs lender-grade data.

01

Apply

Borrower connects financial accounts via Open Finance.

02

Analyze

AI agents normalize 18 months of cash flow & risk signals.

03

Decide

Lender reviews an explainable, auditable decision packet.

04

Deploy

Capital disbursed and monitored on a single rail.

04Business Model

B2B2B SaaS with embedded capital economics.

Predictable platform fees from lenders. Volume-based take rate on capital deployed. Strategic data partnerships unlock secondary revenue.

Platform Fee

Per CDFI / lender seat

$2.5K–$15K/mo

Decision Fee

Per underwriting cycle

$25–$75

Capital Take

Of capital deployed via OS

0.50–1.25%

05Traction

Validated where it matters: in production with CDFIs.

+35%

Approval lift on pilot

12

CDFI partners signed

$48M

Capital under management

94%

Decision accuracy vs. human

06The Moat

Defensible by data, distribution, and trust.

Behavioral Data Moat

By providing the Sovereign OS the founder uses daily, we capture real-time behavioral signals no incumbent — bank, fintech, or CDFI tool — can replicate.

Distribution Lock

Embedded inside CDFI workflows with high switching costs and multi-year sponsorship contracts.

Regulatory Trust

Built CDFI-first. Compliance & explainability are features, not afterthoughts.

07Market Opportunity

A $222B underserved market hiding in plain sight.

TAM — Global SMB underwriting infrastructure$222B

SAM — US mission-driven & CDFI lending$38B

SOM — Year 5 attainable revenue$420M

08The Team

FOUNDER & CEO

Pharoh Martin

A storyteller and operator forged across 8 years of military and guard service, with deep roots in the CDFI community. Holds an Entrepreneurial MBA from William Jewell College.

8

Years military service

40+

CDFI relationships

6

Years in mission lending

09The Ask

Raising $4M Seed to become the default OS for equitable lending.

40%

Engineering & AI

Decision agents v2, Open Finance coverage.

35%

Go-to-market

CDFI partnerships, sales, and onboarding.

25%

Compliance & Ops

SOC 2, model governance, customer success.

Contact Pharoh