What Sharpei does

Sharpei (also operating as Sharpei AI) is a U.S.-based, venture-stage software company founded in 2023 that builds AI-powered automation infrastructure for equipment finance origination. The company's core product, the Sharpei AI Platform, deploys autonomous "AI Workers" that automate the most labor-intensive stages of the leasing lifecycle: multi-channel application intake (web, chat, phone, email), OCR and NLP-based document extraction from PDFs and forms, credit memo generation, loan classification (equipment vs. working capital), pre-qualification against lender-defined credit logic, and downstream system updates. The architecture is explicitly API-first and layers on top of lenders' existing loan origination systems, CRM, and document management tools rather than replacing them, with human-in-the-loop validation of all AI actions and outbound communications to satisfy GLBA/SOX and audit requirements.

Sharpei's commercial offering spans both lender-facing enterprise software and merchant/vendor-facing embedded leasing infrastructure. For lenders, the company sells a subscription-based AI platform with pricing tied to transaction volume or deal count, supplemented by professional services for workflow mapping and credit-policy configuration. For merchants and vendors, Sharpei operates a Vendor Network Platform with white-label checkout, a customer self-serve portal, and a multi-tier product suite that includes Electronics-as-a-Service, Device-as-a-Service for telcos and MVNOs, Hardware-as-a-Service, Self-Managed Leasing (B2C), and Bank-Powered Leasing (B2B), with transaction-fee revenue economics on the consumer side. Distribution combines direct enterprise field sales, a self-serve product-led motion through Shopify, WooCommerce, and Prestashop plugins, API-based embedded lending integrations, and a channel partnership with Tamarack Technology for equipment finance lender reach.

The company is privately held, founder-controlled, and reports 1-10 employees alongside a named leadership team of approximately 13 individuals across co-founders, VPs of Sales/GTM US, Engineering, and Strategy, plus functional roles in product, design, marketing, and engineering. It maintains dual-coast offices in San Mateo, California and New York City, has received industry recognition including the 2024 AWS Fintech Awards "Top Fintech Companies to Watch," and claims a 160+ brand merchant base spanning consumer electronics, telcos, equipment, baby gear, media, EV charging, and micro-mobility. Customers cited publicly include Ossby, Nimo Planet, Ibor Médica, Nonotu, Calcium Inc, Kantar Media, Linux Cars, and Rhyde.

Name

Sharpei

Legal name

Sharpei

Website

https://gosharpei.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Sharpei provides an AI-powered automation platform for equipment finance origination, serving lenders, merchants, telcos, and B2B equipment lessees. Its AI Workers compress 8-10 day origination cycles to under 30 minutes via API-based integration with existing loan origination systems.

Ownership category

akta.pro rank

Product category

Equipment Finance Origination Software

NAICS

Software Publishers (5132)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Regulatory Readiness & Audit Automation (e.g., EU AI Act, NIST AI RMF, ISO/IEC 42001) (HDAAAMAE)

akta.pro secondary industry

Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII) (HDAEANAG)

Keywords

• Equipment financing automation
• AI leasing platform
• Loan origination software
• Embedded lending APIs
• Lease-to-own infrastructure

Headquarters

HQ city

San Mateo

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. AI Platform Subscription: AI platform subscription for lenders providing automated origination capabilities, with pricing based on transaction volume or deal count.
2. Lease Transaction Processing: Transaction fees from lease originations processed through the platform, with Sharpei facilitating the flow between vendors, lenders, and end customers.
3. Professional Services: Implementation, configuration, and training services to help lenders map workflows and configure AI Workers to credit policies.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Sharpei sells an AI-powered automation platform that helps equipment finance lenders compress 8-10 day origination cycles into under 30 minutes. The platform deploys AI Workers that handle application intake, document collection and validation (OCR + NLP), credit memo preparation, pre-qualification, and LOS/CRM updates, layering on top of existing systems via API. Sharpei also offers vertical solutions for merchants (e-commerce leasing plugins), telcos/MVNOs (Device-as-a-Service), and B2B commercial lessees, enabling lease-to-own and subscription financing at checkout.

Product overview

Sharpei offers a modular platform-plus-solution architecture centered on its Sharpei AI Platform, which provides AI-powered workers that automate equipment financing origination workflows for lenders. The platform connects to existing LOS, CRM, and document management systems via API. Supporting the core AI platform are specialized vertical solutions: Electronics-as-a-Service for consumer electronics brands, Device-as-a-Service (DaaS) for Telcos/MV NOs, Self-Managed Leasing for B2C merchants, and Bank-Powered Leasing for B2B commercial transactions. Additional modules include a Vendor Network Platform with white-label checkout and customer portal, and e-commerce plugin integrations for Shopify, WooCommerce, and Prestashop. The portfolio also includes ancillary tools like an ROI Calculator, Data Intake Channel, and Automation Layer for document extraction and intelligent processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Sharpei AI Platform AI-powered equipment leasing platform for lenders that automates application intake, document collection, data validation, and credit file preparation, compressing 8-10 day origination cycles to under 30 minutes. Connects to existing LOS, CRM, and document management tools via API.
• Vendor Network Platform Platform for managing and scaling vendor enrollment, providing vendors with white-label leasing tools integrated into e-commerce checkout, including a 360 Control Panel for full visibility across the vendor network.
• Electronics-as-a-Service / Lease-to-Own Leasing and financing solution for consumer electronics brands offering lease-to-own options (6, 12, 24, 36 months) with flexible payment options integrated into checkout.
• Device-as-a-Service (DaaS) White-labeled turnkey subscription solution for Telcos and MVNOs to offer premium device bundles (phones, accessories) with bundled services like protection and extended warranties.
• Self-Managed Leasing / Hardware-as-a-Service B2C lease-to-own solution allowing merchants to offer customers flexible, budget-friendly subscription payments for hardware with no big upfront costs; Sharpei buys the item upfront and the merchant can rebuy at end of lease.
• Bank-Powered Commercial Leasing B2B commercial leasing solution where Sharpei connects lenders and vendors to offer online leasing to business customers without the lender taking financial risk; Sharpei buys the item upfront. Provides 100% deductible operational expenses and regular equipment upgrades.
• Shopify Subscriptions & Rentals App Native Shopify app enabling merchants to offer rental and subscription services directly through their Shopify store with an embeddable checkout button.
• WooCommerce Rentals & Subscriptions Plugin WordPress/WooCommerce plugin enabling merchants to offer leasing and subscription services through their WooCommerce store with configurable rental periods and pricing.
• Prestashop Rentals & Subscriptions Plugin Prestashop plugin enabling merchants to offer rental and subscription services through their Prestashop store.
• AI-Powered Origination Solution (Tamarack Partnership) AI-powered origination solution for equipment finance lenders, jointly delivered with Tamarack Technology, targeting automated intake, document verification, and workflow management.

Quantifiable outcome

• Processing time reduced from 8-10 days to under 30 minutes
• +4 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability7 records

Feature6 records

Partnerships

One partnership is on record.

• Tamarack TechnologycoreStrategic or Co-development Partner · 16 March 2026Tamarack Technology launched an AI-powered origination solution for equipment finance lenders in partnership with Sharpei, targeting automated intake, document verification, and workflow management stages of lending. The platform integrates with lenders' existing loan origination systems to help modernize workflows without requiring a full technology overhaul.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Upstart: Upstart provides an AI lending platform that automates credit decisioning for bank and credit-union partners. It is comparable as an AI layer on top of lender infrastructure with a focus on automating underwriting workflows, even though Sharpei is verticalized to equipment finance.
• Amount: Amount is a digital lending platform offering origination, fraud detection, and decisioning infrastructure to banks and lenders. It is comparable to Sharpei as an AI-driven lending automation platform targeting regulated financial institutions, though it spans broader consumer and SMB lending.

Direct peers

• LeaseAccelerator: LeaseAccelerator delivers lease lifecycle management and accounting software for equipment leasing portfolios. It is comparable to Sharpei's vendor network and customer portal capabilities for managing lease operations at scale.
• Currency: Currency is an equipment finance technology provider offering origination and portfolio management software to equipment finance lenders. It competes directly with Sharpei for the same lender customer base and origination workflow automation use case.
• Odessa (formerly Visual Lease): Odessa provides lease accounting and equipment lease management software used by lessors and equipment finance organizations. It competes with Sharpei's lender automation stack by digitizing downstream lease operations rather than origination.
• LTi Technology Solutions: LTi offers the iLOS lease and loan origination platform purpose-built for equipment finance lenders. It is a direct competitor for lender origination software, addressing the same automation and underwriting workflows that Sharpei targets with its AI Worker layer.
• Tamarack Technology: Tamarack provides AI-powered equipment finance origination solutions and is a strategic partner to Sharpei for lender-facing automated intake, document verification, and workflow management. It directly overlaps Sharpei's lender origination automation product and shares the same equipment finance buyer base.

Broad incumbents

• Abrigo: Abrigo provides lending, credit risk, and account-opening software to community banks and credit unions. It serves the same bank/credit-union buyer segment as Sharpei with broader loan-origination functionality, though not equipment-finance specific.
• nCino: nCino is a cloud banking platform that includes commercial lending and equipment finance origination capabilities. It is a broader incumbent that serves banks and lenders with end-to-end loan origination — overlapping with Sharpei's lender automation pitch at a larger scale.
• Finastra: Finastra provides large-scale financial services software including lending, treasury, and capital markets platforms. As a broad incumbent in bank technology, it overlaps with Sharpei's lender-automation positioning while serving a much wider product portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/GoSharpei
• LinkedInlinkedin.com/company/sharpei
• Instagraminstagram.com/gosharpei

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds1 record

Investors2 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 Sharpei