Business Warrior
- Company typePrivate
- Founded2014
- HeadquartersCheyenne, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
Business Warrior firmographics
Firmographics- Name
- Business Warrior
- Legal name
- Business Warrior Corp.
- Website
- https://businesswarrior.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Business Warrior industry classification
Industry- Product category
- Lending Software
- NAICS
- Activities Related to Credit Intermediation (5223), Sales Financing (52222)
- SIC
- Services-Prepackaged Software (7372), Personal Credit Institutions (6141)
- akta.pro primary industry
- Single-Payment Payday Loans (FSAKAMAA)
- akta.pro secondary industry
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
Keywords
Where Business Warrior is headquartered
LocationHeadquarters
- HQ city
- Cheyenne
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Business Warrior 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 Subscription (PayPlan Platform): Subscription-based access to the PayPlan lending platform including loan origination, decision engine, loan management, and servicing modules. Priced as a SaaS solution with monthly fees.
- Professional Services: Implementation and onboarding services including deployment of comprehensive lending solutions. Expert team assistance in shaping lending business operations.
- Lender Marketing Services: World-class marketing services developed by advertising and lending industry experts to help lenders acquire more loans, reduce acquisition costs, grow portfolios, and drive profitability.
- Support Services: Technical support including standard hours (up to 10 hours/month included) and expedited support at $250/hour for urgent customer-requested support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | SaaS Lending Platform Subscription |
| Subscription | Monthly | Entry-Level Lending Solution |
| Usage-based | Pay-as-you-go | Expedited Support |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Business Warrior product offering
Product offeringCore offering
PayPlan is an end-to-end SaaS lending platform that automates the full lending lifecycle—from borrower acquisition and application through underwriting, decisioning, funding, and ongoing servicing—using AI/ML-driven credit decisioning, no-code workflow configuration, and integrations with credit bureaus, open banking, and Experian Precise ID. The platform also bundles Lender Marketing Services that combine advertising and lending expertise to help lenders grow portfolios and reduce acquisition costs.
Product overview
Business Warrior offers PayPlan, an end-to-end lending platform with modular architecture. The core PayPlan platform integrates multiple modules: the Decision Engine for automated credit decisions and fraud prevention, the Loan Origination System for digital application processing, the Loan Management System for portfolio servicing and reporting, and specialized solutions for Lease-To-Own Financing and Tribal Lending. Additionally, Lender Marketing Services provides advertising and borrower acquisition capabilities. This platform-plus-modules architecture allows lenders to deploy comprehensive lending operations from acquisition through repayment, combining proprietary technology with third-party integrations for credit, open banking, and marketing.
Differentiator
Problem solved
Functional benefit
Brands
- PayPlan: Business Warrior's flagship end-to-end lending platform designed to help lenders deploy more capital and maximize profitability. Includes loan origination system, decision engine, and loan management capabilities.
Products and services
- PayPlan
Quantifiable outcome
- Reduces manual labor by up to 95%
- +6 more outcomes
Companies that use Business Warrior
Customer profileSegments4 records
Ideal customer profiles3 records
Business Warrior technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability9 records
Feature8 records
Business Warrior partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Helix HousecoreBusiness Warrior acquired Helix House, an Arizona-based marketing agency, to enhance its marketing and lending solutions for small businesses. The deal was valued at $2.25 million with potential to reach $4.75 million. This acquisition supports Business Warrior's growth and market expansion by adding marketing expertise to its product portfolio.
- Experian (Precise ID)corePayPlan integrates Experian's Precise ID solution for real-time identity verification and fraud detection. This integration provides automated identity checks, compliance screening against watchlists, customizable risk thresholds, and First Payment Default (FPD) scoring to predict borrower behavior and reduce fraud losses.
- Amazon Web Services (AWS)coreBusiness Warrior utilizes AWS infrastructure-as-a-service for its cloud platform, leveraging services including VPC, EC2, RDS, EBS, ElastiCache, CloudWatch, S3, Route 53, Lambda, and Auto Scaling. AWS provides the foundation for security, compliance (SOC 1/2/3, PCI DSS, HIPAA, FedRAMP), and operational reliability.
Scale indicators9 records
Recent moves5 records
Expansion highlights5 records
Business Warrior competitors and assessment
Company assessmentBroad incumbents
- Finastra: Finastra offers a broad portfolio of financial services software including lending, treasury, and capital markets solutions. Its lending platform overlaps with PayPlan in loan origination and decisioning, though it primarily targets large financial institutions with end-to-end suites.
- Black Knight (ICE Mortgage Technology): Black Knight, now part of Intercontinental Exchange, supplies loan origination, servicing, and analytics software primarily to mortgage lenders. It competes with PayPlan in origination and servicing but is heavily concentrated in the mortgage vertical versus Business Warrior's broader consumer/specialty lending focus.
- Temenos: Temenos provides core banking and lending software to banks globally, including loan origination and decisioning modules. It is a broad incumbent that overlaps with Business Warrior on lending workflows but targets tier-1 banks with much larger and heavier deployments.
Direct peers
- TurnKey Lender: TurnKey Lender provides an AI-powered lending automation platform covering origination, decisioning, servicing, and collections for banks, credit unions, and alternative lenders. It is a direct SaaS peer to PayPlan, similarly targeting mid-market lenders with automated underwriting.
- LendingPad: LendingPad is a cloud-based loan origination system (LOS) used by mortgage lenders, banks, and credit unions. While more mortgage-centric than PayPlan, it is a comparable end-to-end origination platform targeting smaller and mid-sized lending institutions.
- nCino: nCino is a cloud-based bank operating system offering loan origination, account opening, and customer onboarding to banks and credit unions. It is the closest direct competitor to PayPlan in the lender SaaS category, with deeper enterprise penetration but a heavier implementation footprint.
Emerging players
- Abrigo: Abrigo provides loan origination, credit risk, and asset/liability management software to community banks and credit unions. It is comparable to Business Warrior in targeting smaller US lending institutions with purpose-built origination and credit decisioning tools.
- SaaS Lending Platform by Lendio: Lendio operates a small business lending marketplace and supporting technology infrastructure for lenders and partners. It is an emerging player in lending enablement with comparable customer base of small business and SMB lenders, though its primary motion is marketplace-driven.
Others
- Experian (Precise ID): Experian is a major credit bureau whose Precise ID identity verification and fraud-scoring product is integrated into PayPlan. As a critical upstream data and identity infrastructure partner, Experian is a key ecosystem participant whose product roadmap and pricing directly affect Business Warrior's underwriting capabilities.
- Finicity (Mastercard): Finicity, now part of Mastercard, provides open banking data connectivity and financial data APIs used by lenders for underwriting and verification. It is an enabling infrastructure peer rather than a direct competitor, but PayPlan integrates open banking data flows that overlap with Finicity's capabilities.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Business Warrior social profiles
Digital presenceBusiness Warrior compliance and trust
Trust signalCompliance14 records
Business Warrior financial estimates
Financial estimateRevenue estimate
Valuation estimate
Business Warrior leadership team
Management profileNumber of profiles
Profiles1 record
Business Warrior subsidiaries and ownership
Company hierarchySubsidiaries1 record
Business Warrior funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Business Warrior M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Business Warrior
What does Business Warrior do?
PayPlan is an end-to-end SaaS lending platform that automates the full lending lifecycle—from borrower acquisition and application through underwriting, decisioning, funding, and ongoing servicing—using AI/ML-driven credit decisioning, no-code workflow configuration, and integrations with credit bureaus, open banking, and Experian Precise ID. The platform also bundles Lender Marketing Services that combine advertising and lending expertise to help lenders grow portfolios and reduce acquisition costs.
Is Business Warrior a public or private company?
Business Warrior is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Business Warrior founded?
Business Warrior was founded in 2014. It employs 51 to 100 people.
Where is Business Warrior based?
Business Warrior is headquartered in Cheyenne, United States, in the North America region.
How does Business Warrior make money?
Four revenue lines are on record. SaaS Subscription (PayPlan Platform) is the primary driver. The others are professional Services, lender Marketing Services and support Services.
Who are Business Warrior's main competitors?
Broad incumbents on record are Finastra, Black Knight (ICE Mortgage Technology) and Temenos. Direct peers are TurnKey Lender, LendingPad and nCino. Emerging players are Abrigo and SaaS Lending Platform by Lendio. Others are Experian (Precise ID) and Finicity (Mastercard).
Does Business Warrior have an API?
Yes. PayPlan features an API-enabled operating system that allows easy integration with third-party platforms. The platform supports integrations for credit, open banking, payment processes, data collection, and communications. PayPlan offers API capabilities for easy data exchange, enabling seamless connectivity with client existing platforms.
What industry is Business Warrior in?
Business Warrior's product category is Lending Software. Its primary akta.pro industry code is FSAKAMAA, Single-Payment Payday Loans, with a secondary code of FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure. Its NAICS code is 5223 and its SIC code is 7372.