Mirador

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.

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

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

• Small business lending
• Digital lending platform
• Loan origination software
• White-label fintech
• SBA loan processing

Headquarters

HQ city

Portland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. 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.
2. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core 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

Named customers10 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability7 records

Feature6 records

Partnerships

Four partnerships are on record, tiered major and minor.

• MidFirst BankmajorTechnology or IntegrationOne 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 BankerminorGTM or Marketing PartnerMirador's leadership has been invited to speak at American Banker events and publications, positioning Mirador as a thought leader in financial innovation.
• Forbes Finance CouncilminorGTM or Marketing PartnerCEO Trevor Dryer is a member of Forbes Finance Council, regularly contributing thought leadership articles on small business lending and fintech topics.
• FinextraminorGTM or Marketing PartnerPress 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

Direct 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

• Xx.com/mirador
• Facebookfacebook.com/miradortech
• LinkedInlinkedin.com/company/mirador-lending

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 records

Investors8 records

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

M&A

Investments

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

Frequently asked questions about Mirador