Tenet

Business Development Platformtenetfintech.com

Company typePublic
Founded2009
HeadquartersToronto, Canada
Headcount1–10
GTM typeB2B
OfferingSoftware

Tenet firmographics

Firmographics

Name: Tenet
Legal name: Tenet Fintech Group Inc.
Website: https://tenetfintech.com
Company type: Public
Founded year: 2009
Operating status: Operating
Headcount range: 1–10 employees
Ownership category
akta.pro rank

Tenet industry classification

Industry

Product category: Business Development Platform
NAICS: Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)
SIC: Services-Computer Programming, Data Processing, Etc. (7370)
akta.pro primary industry: Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)
akta.pro secondary industries: SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI), Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD)

Keywords

Business development platform
SME data analytics
Fintech platform
Supply chain services
AI business intelligence

Where Tenet is headquartered

Location

Headquarters

HQ city: Toronto
HQ country: Canada
HQ region: North America

Markets served

Tenet business model

Business model

GTM type: B2B
Offering type: Software
Cost components: Personnel, Technology or R&D, Supply Chain, Marketing or Sales, Operations

Revenue model

GoldRiver Supply Chain Platform: Supply chain revenue generated through product sourcing and distribution services in China via framework agreements with Chinese real estate development groups. Generated $10.08M in Q4 2025 and was the primary revenue driver for 2025.
Cubeler Advertising: Platform advertising services where businesses use Cubeler Points to run ad campaigns targeting business decision-makers based on demographics, income, location and industry filters.
Cubeler Financing Referrals: Referral fees from financial institutions for pre-qualified financing offers delivered through the platform to business owners.
Cubeler Insights Subscriptions: Market intelligence reports and industry news accessible through Cubeler Points, generating revenue from premium data services.

Pricing tiers

Model	Billing	Price
Freemium	Pay-as-you-go	Free access with point-based spending
Other	Pay-as-you-go	Cubeler Points system

Go-to-market motion3 records

Distribution channels6 records

Marketing channels4 records

Tenet product offering

Product offering

Core offering

Tenet operates the Cubeler Business Development Platform, an AI-powered platform offering entrepreneurs and business executives free access to four integrated services: targeted advertising, business networking, market intelligence reports, and pre-qualified business financing offers, all underpinned by a points-based engagement system. The company also operates the GoldRiver Supply Chain Platform in China, which connects businesses to product sourcing and distribution channels through partnerships with major Chinese real estate development groups.

Product overview

Tenet's product portfolio centers on the Cubeler Business Development Platform, an AI-powered ecosystem offering four integrated modules: Cubeler Advertising (targeted promotion), Cubeler Networking (business connections), Cubeler Insights (market intelligence), and Cubeler Financing (pre-qualified credit matching). The platform uses a Cubeler Points reward system and is positioned as a free service for entrepreneurs and business executives. Additionally, Tenet operates the GoldRiver Supply Chain Platform in China, which was revived in late 2025 and serves as a separate revenue-generating supply chain distribution channel.

Differentiator

Problem solved

Functional benefit

Brands

Cubeler: Business Development Platform for entrepreneurs, business owners and executives providing AI-powered tools including advertising, networking, insights, and financing services.
GoldRiver

Products and services

Cubeler Business Development Platform AI-powered business development platform providing entrepreneurs, business owners, and executives free access to tools for advertising, networking, market intelligence, and financing, organized around a points-based reward system called Cubeler Points.
GoldRiver Supply Chain Platform Supply chain platform operating in China that enables product sourcing and distribution for businesses through framework agreements with Chinese real estate development groups.

Quantifiable outcome

Revenue surge to $11.5M in Q1 2026 from $179,161 in Q1 2025
+3 more outcomes

Companies that use Tenet

Customer profile

Segments3 records

Ideal customer profiles3 records

Tenet technology and API

Technology

Technology focussed Yes

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability5 records

Feature7 records

Tenet partnerships and signals

Strategic signal

Partnerships

Four partnerships are on record, tiered core and minor.

Chinese Real Estate Development GroupcoreStrategic or Co-development Partner · 1 October 2025Framework agreement with a major Chinese real estate development group that enabled the full-scale restart of GoldRiver supply chain platform operations in China in Q4 2025. This partnership generated $10.08 million of the annual revenue and was pivotal to the company's financial turnaround.
Financial InstitutionscoreChannel Partner/ Reseller/ DistributorPartnership network with leading financial institutions providing pre-qualified business financing offers through the Cubeler Financing service. Financial institutions use the platform to reach SMB customers seeking credit.
Accountants and BookkeeperscoreChannel Partner/ Reseller/ DistributorChannel partnership with accounting service providers who refer their small business clients to the Cubeler platform for business development services. Expanding partnerships to position platform as ecosystem for SME data.
Business AssociationsminorChannel Partner/ Reseller/ DistributorPartnership with business associations to promote platform services to their member companies and serve as referral channels.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Tenet competitors and assessment

Company assessment

Direct peers

Fundera: Fundera is an SMB financing and business resources marketplace that matches small businesses with lending products, conceptually aligned with Cubeler Financing's pre-qualified offers from financial institutions.
Lendio: Lendio operates an SMB financing marketplace connecting small business owners with multiple lenders, similar in concept to Cubeler Financing's pre-qualified credit offer matching. Both target Canadian/U.S. SMBs seeking capital access through a digital platform.
Nav: Nav provides SMB business intelligence, credit reporting, and financing matching — directly comparable to Cubeler's combination of Insights, Financing, and data-driven targeting for small business owners.
Borrowell: Toronto-based Borrowell is a Canadian fintech offering credit tools, financial product matching, and data-driven insights to consumers and small businesses. Shares Tenet's Canadian fintech DNA and SME/consumer financial marketplace model.

Broad incumbents

Kabbage (American Express Business Blueprint): Kabbage, now folded into American Express Business Blueprint, pioneered AI-driven SMB lending and data analytics. Comparable to Cubeler's AI-powered SME data and financing vision but operates at vastly greater scale under a global incumbent brand.
OnDeck Capital (now OnDeck / Enova): OnDeck pioneered online SMB lending using data and technology to underwrite small business credit, conceptually aligned with Cubeler's AI-driven pre-qualified business credit offers from financial institutions.

Regional players

Clearco: Clearco (formerly Clearbanc) is a Canadian-founded fintech providing data-driven financing to businesses, similar in its AI-driven underwriting and Canadian origin. Comparable in the use of business data to originate and match financial offers.
Wave Financial: Wave is a Canadian SMB-focused fintech (now part of H&R Block) providing accounting, invoicing, and payments to small businesses. Comparable as a Canadian-built SMB fintech platform integrating financial services and data tools.
FreshBooks: Toronto-based FreshBooks provides cloud accounting and business tools to SMBs, sharing Tenet's Canadian origin and SMB-focused platform approach integrating data, insights, and financial workflows.

Others

Yodlee: Yodlee is a financial data aggregation and analytics platform — comparable to Tenet's positioning as a 'global custodian of private SME data' and its Open Banking-style transaction data and insights capabilities.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Tenet financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Tenet leadership team

Management profile

Number of profiles

Profiles5 records

Tenet subsidiaries and ownership

Company hierarchy

Subsidiaries1 record

Tenet funding detail

Funding detail

Funding overview

Funding rounds8 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Tenet M&A and investment

M&A and investment

M&A4 records

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tenet

What does Tenet do?

Is Tenet a public or private company?

Tenet is a public company. It is classified as public and is currently operating.

When was Tenet founded?

Tenet was founded in 2009. It employs 1 to 10 people.

Where is Tenet based?

Tenet is headquartered in Toronto, Canada, in the North America region.

How does Tenet make money?

Four revenue lines are on record. GoldRiver Supply Chain Platform is the primary driver. The others are cubeler Advertising, cubeler Financing Referrals and cubeler Insights Subscriptions.

Who are Tenet's main competitors?

Direct peers on record are Fundera, Lendio, Nav and Borrowell. Broad incumbents are Kabbage (American Express Business Blueprint) and OnDeck Capital (now OnDeck / Enova). Regional players are Clearco, Wave Financial and FreshBooks. Yodlee is listed as an others.

Does Tenet have an API?

No public API is recorded for Tenet.

What industry is Tenet in?

Tenet's product category is Business Development Platform. Its primary akta.pro industry code is FSAGACAG, Transaction Analytics & Cash-Flow Insights (risk signals, forecasting), with a secondary code of FSAGAAAI, SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations). Its NAICS code is 518210 and its SIC code is 7370.