Mirador
Mirador provides a white-label, cloud-based digital lending platform that enables U.S. banks, credit unions, CDFIs, and specialty finance companies to originate small business loans end-to-end — from application through underwriting and funding — under the institution's own brand.
- Company typePrivate
- Founded2014
- HeadquartersPortland, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Mirador does
Mirador is a U.S.-based fintech that operates a cloud-native, white-label digital lending platform purpose-built for small business loan origination by banks, credit unions, CDFIs, and specialty finance companies. Founded in 2014 in Portland, Oregon, by Trevor Dryer and William Beaver, Mirador provides an end-to-end origination workflow spanning omni-channel application capture (mobile, desktop, branch), a centralized Lending Hub for task management and lender-borrower communication, automated underwriting with credit-bureau and tax-data integrations, identity and fraud verification, real-time status updates, and secure Loan Package Export for downstream underwriting. The platform supports a broad range of SMB credit products including term loans, lines of credit, SBA products (microloan, 7a, community advantage, 504), commercial real estate, and equipment financing from $1k to $20M+. Adjacent offerings include the Mirador Network — a multi-lender marketplace connecting borrowers with banks, non-profits, and low-cost funding sources via a single application — plus modular add-ons for pre-qualified Lead Generation and a Second Look Program for re-evaluating declined applications.
Mirador's commercial model is enterprise B2B SaaS delivered via direct field sales on a quote-based, annual subscription basis with accompanying implementation services. The platform white-labels into the financial institution's brand, making Mirador operationally invisible to the end borrower. The customer base spans regional and mid-sized U.S. banks (Umpqua, MidFirst, Zions, Hanmi, First Foundation, Tompkins, Columbia), credit unions, mission-based lenders (Excelsior Growth Fund, CDC Small Business Finance, NYBDC), and vertical associations (American Medical Association). AI/ML is applied in process automation (end-to-end origination), anomaly detection (identity, fraud, OFAC screening), and predictive analytics (risk scoring, lender-borrower matching), though these are positioned as embedded workflow features rather than as standalone AI products.
In 2017, CMFG Ventures — the venture arm of CUNA Mutual Group — made a minority seed investment, followed by a full acquisition of Mirador by CUNA Mutual Group, after which the company has continued to operate under the Mirador brand with headquarters in Portland. As of 2018, the platform had processed more than $2B in cumulative small business loan requests, with stated efficiency gains of 69% in origination workflow, $1,550 reduction in cost per loan, and 65%+ application completion rates versus a 25% industry average.
Mirador firmographics
Firmographics- Name
- Mirador
- Legal name
- Mirador Financial, Inc.
- Website
- https://miradortech.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Acquired
- Headcount range
- 11–50 employees
- Short description
- Mirador provides a white-label, cloud-based digital lending platform that enables U.S. banks, credit unions, CDFIs, and specialty finance companies to originate small business loans end-to-end — from application through underwriting and funding — under the institution's own brand.
- Ownership category
- akta.pro rank
Mirador industry classification
Industry- Product category
- Digital Lending Software
- NAICS
- Activities Related to Credit Intermediation (5223), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Miscellaneous Business Credit Institution (6159), Loan Brokers (6163)
- akta.pro primary industry
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
- akta.pro secondary industry
- Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)
Keywords
Where Mirador is headquartered
LocationHeadquarters
- HQ city
- Portland
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Mirador business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Platform Licensing: Mirador provides a white-label digital lending platform to financial institutions. The company generates revenue through licensing its technology platform to banks, credit unions, and other lenders who use it to serve their small business customers.
- Platform Implementation: Implementation services for deploying the white-label platform at financial institutions, enabling them to offer digital small business lending under their own brand.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise SaaS platform for financial institutions |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Mirador product offering
Product offeringCore offering
Mirador provides a white-label, cloud-based digital lending platform that enables banks, credit unions, and other financial institutions to originate small business loans through an omni-channel borrower experience. The platform automates the end-to-end loan process — application intake, identity and credit verification, automated underwriting, document collection, decisioning, and funding — and supports SBA loans, term loans, lines of credit, commercial real estate, and equipment financing from $1,000 to $20M+. A separate Mirador Network connects borrowers with multiple partner lenders via a single application.
Product overview
Mirador offers a cloud-based digital small business lending platform with a modular architecture. The core Mirador Platform handles end-to-end loan origination from omni-channel applications through closing, funding, and portfolio management. This is supplemented by two optional modules: a Lead Generation Module for highly pre-qualified leads and a Second Look Program Module for re-evaluation of declined applicants. The separate Mirador Network connects borrowers with multiple lenders through a single application. The platform white-labels for banks, credit unions, CDFIs, and other financial institutions, supporting loan types including term loans, lines of credit, SBA products (microloan, 7a, community advantage, 504), commercial real estate, and equipment loans from $1k to $20M+. Key components include the Lending Hub for collaboration, Omni-Channel Application for multi-device access, and Loan Package Export for underwriting.
Differentiator
Problem solved
Functional benefit
Products and services
- Mirador Platform Cloud-based, white-label digital lending platform that enables banks, credit unions, and financial institutions to originate small business loans end-to-end — from omni-channel application intake through automated underwriting, document collection, decisioning, and funding — supporting term loans, lines of credit, SBA products (microloan, 7a, community advantage, 504), commercial real estate, and equipment loans from $1,000 to $20M+.
- Mirador Network A lender network that connects small business borrowers with multiple partner banks, credit unions, non-profit/CDFI lenders, and specialty finance companies through a single application, enabling borrowers to access pre-qualified loan options and giving partner organizations a source of pre-qualified leads.
- Platform Implementation Services Professional services for deploying and configuring the white-label Mirador Platform at financial institutions, including onboarding, integration with core banking and credit systems, and go-live support.
Quantifiable outcome
- 69% increase in efficiency in the small business lending process
- +6 more outcomes
Companies that use Mirador
Customer profileNamed customers10 records
Segments4 records
Ideal customer profiles3 records
Mirador technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability7 records
Feature6 records
Mirador partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered major and minor.
- MidFirst BankmajorOne of the country's largest privately-owned banks with approximately $15B in assets selected Mirador's platform to digitize its small business lending process, enabling 24/7 convenience for borrowers.
- American BankerminorMirador's leadership has been invited to speak at American Banker events and publications, positioning Mirador as a thought leader in financial innovation.
- Forbes Finance CouncilminorCEO Trevor Dryer is a member of Forbes Finance Council, regularly contributing thought leadership articles on small business lending and fintech topics.
- FinextraminorPress coverage and partnership announcement through Finextra for MidFirst Bank deployment, increasing visibility in fintech and banking media.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
Mirador competitors and assessment
Company assessmentDirect peers
- Lendio: Small business loan marketplace connecting borrowers with a network of lenders, plus SaaS lending technology for FIs. Closely comparable to Mirador's Mirador Network marketplace and SMB lending focus.
- LendingClub: Online lending marketplace and bank holding company with significant small business and consumer loan origination. Comparable digital SMB lending focus and AI-driven underwriting approach.
- nCino: Cloud-based bank operating system with a leading commercial and SMB loan origination platform deployed at hundreds of FIs globally. Most direct overlap with Mirador in digital loan origination for banks and credit unions.
- Blend: Cloud-based digital lending platform serving banks, credit unions, and fintechs with consumer and SMB loan origination. Competes head-to-head with Mirador for white-label SMB LOS deals at community and regional banks.
- OnDeck (Enigma): Online small business lender using data and technology to underwrite and originate SMB loans. Comparable SMB customer base and digital-first lending model, though OnDeck lends its own capital rather than white-labeling for banks.
- CAN Capital: Online small business lending platform offering working capital, term loans, and SBA products to SMBs. Comparable SMB lending focus and use of digital/AI underwriting similar to Mirador's automated engine.
Emerging players
- Plaid: Financial data network enabling bank account, income, and asset verification used heavily in SMB and consumer loan underwriting. Adjacent enabling technology that powers alternative-data credit decisions similar to those in Mirador's underwriting engine.
Broad incumbents
- Abrigo: Banking software provider focused on community and regional banks, with loan origination, compliance, and risk analytics. Comparable target customer (community/regional FIs) and overlapping loan origination functionality.
- Finastra: Large banking technology vendor with a loan origination system (Fusion LaserPro) widely deployed at US banks and credit unions. Competes with Mirador primarily through bundled offerings in FI RFP processes.
- Temenos: Global banking software platform offering a comprehensive suite including digital loan origination for retail, SMB, and commercial lending. Indirect competitor via broad-suite displacement risk at mid-sized FIs.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Mirador social profiles
Digital presenceMirador financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mirador leadership team
Management profileNumber of profiles
Profiles4 records
Mirador funding detail
Funding detailFunding overview
Funding rounds2 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mirador M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mirador
What does Mirador do?
Mirador provides a white-label, cloud-based digital lending platform that enables banks, credit unions, and other financial institutions to originate small business loans through an omni-channel borrower experience. The platform automates the end-to-end loan process — application intake, identity and credit verification, automated underwriting, document collection, decisioning, and funding — and supports SBA loans, term loans, lines of credit, commercial real estate, and equipment financing from $1,000 to $20M+. A separate Mirador Network connects borrowers with multiple partner lenders via a single application.
Is Mirador a public or private company?
Mirador is a private company. It is classified as corporate owned and is currently acquired.
When was Mirador founded?
Mirador was founded in 2014. It employs 11 to 50 people.
Where is Mirador based?
Mirador is headquartered in Portland, United States, in the North America region.
How does Mirador make money?
Two revenue lines are on record. SaaS Platform Licensing is the primary driver. The others are platform Implementation.
Who are Mirador's main competitors?
Direct peers on record are Lendio, LendingClub, nCino, Blend, OnDeck (Enigma) and CAN Capital. Plaid is listed as an emerging player. Broad incumbents are Abrigo, Finastra and Temenos.
Does Mirador have an API?
No public API is recorded for Mirador.
What industry is Mirador in?
Mirador's product category is Digital Lending Software. Its primary akta.pro industry code is FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking), with a secondary code of FSAGAHAE, Pricing, Risk-Based Offer & Limit Management. Its NAICS code is 5223 and its SIC code is 6159.