Private holding company · New York

Building small-business credit into an institutional asset class.

Pinetail builds, backs, and holds the infrastructure of SMB lending — data, capital, and the platforms in between.

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Holdings

What we hold.

AI-powered portfolio and risk intelligence for SMB lending — performance analytics, proprietary risk scoring, and the shared source of truth this market has lacked.

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AIQ Capital Group

Syndication in merchant cash advance and revenue-based finance — participating alongside established funders, underwritten with AdvanceIQ.ai intelligence.For originators seeking syndication partners, and investors seeking exposure to the asset class.

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Portfolio & platform acquisitions

Acquiring and resolving seasoned SMB credit portfolios and originators.For owners exiting portfolios, platforms, or entire businesses.

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Pinetail Ventures

Venture and private equity positions in the infrastructure this market still needs.For founders and strategic partners.

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Principal

Founder-led, founder-held.

Tomo Matsuo

Tomo Matsuo

Managing Member · LinkedIn ↗

Tomo Matsuo is a seasoned fintech and SaaS executive with over a decade of senior executive experience in global lending, payments, and analytics. He is the Founder & CEO of AdvanceIQ.ai, a leading provider of risk and portfolio intelligence for the SMB lending and private credit market. Previously, he co-founded Yardline Capital (acquired by Thrasio) and held executive roles at Bizfi, Paysafe Group (NYSE: PSFE), Thrasio, and Swiftline. He pioneered revenue-based financing in Japan through a joint venture with Credit Saison (TYO: 8253), one of Japan's largest consumer finance companies.

Outside of business, Tomo serves as Music Director and Conductor of both the World Civic Orchestra and the Doctors' Orchestra (Doctors' Orchestral Society of New York). He was previously Music Director of the 92nd Street Y Orchestra, one of New York's longest-running community ensembles.

Contact

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Pinetail rarely announces anything. If you originate, invest, or build in SMB lending — or are ready to exit — we should talk.

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