RoxWrite
RoxWrite is an Atlanta-based software platform that consolidates commercial underwriting for lenders, factors, MCA funders, brokers, and B2B trade credit companies, aggregating data from 10+ sources into automated credit memos and continuous portfolio monitoring.
- Company typePrivate
- Founded-
- HeadquartersAtlanta, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What RoxWrite does
RoxWrite, operating as ROX Technologies Inc., is an Atlanta-based software company that provides a unified underwriting and portfolio monitoring platform for the specialty finance industry. The platform aggregates data from more than ten third-party sources — including Plaid for bank account data, LexisNexis and Cobalt for KYB/KYC and watchlist screening, First Corporate Solutions for UCC and lien searches, credit bureaus, and Secretary of State records — and consolidates the results into standardized credit memos. ROX serves private lenders, invoice factors, merchant cash advance (MCA) funders, brokers, and (as a newer segment) B2B trade credit companies, addressing pain points around manual underwriting delays (averaging 3–5 days), fraud detection at onboarding, and the absence of post-funding portfolio visibility.
The product is composed of several integrated modules wrapping a core underwriting engine: a 3rd Party Data Hub for verification, white-labeled Client and Broker Portals for application submission, automated Credit Memo Generation, UCC Automation for lien search and filing, Pipeline & Workflow Management, and Continuous Monitoring for post-funding surveillance of UCC changes, credit events, DOT ratings, and judgements. The platform exposes an Open REST API with webhooks and a sandbox environment for headless integration, and is SOC 2 Type II compliant. AI features include AI-Guided Summaries for credit memo generation and anomaly detection for fraud, but AI is layered on top of the data and workflow stack rather than being a standalone differentiator.
RoxWrite operates a tiered subscription model with usage-based credit check fees: a free Starter tier (3 free applications, $3.00 per credit check), Explorer at $399/month, Pro at $899/month, and Enterprise from $2,000/month, with per-credit fees declining to $1.25 at the Enterprise level. The company employs 11–50 people and pursues a hybrid go-to-market combining product-led growth (self-serve freemium at app.roxwrite.com), inside sales for mid-market firms, and dedicated field sales with onboarding and client success managers for enterprise customers. CEO Lara Hodgson leads the company, and ROX Technologies Inc. operates across the United States and Canada.
RoxWrite firmographics
Firmographics- Name
- RoxWrite
- Legal name
- ROX Technologies Inc.
- Website
- https://roxwrite.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- RoxWrite is an Atlanta-based software platform that consolidates commercial underwriting for lenders, factors, MCA funders, brokers, and B2B trade credit companies, aggregating data from 10+ sources into automated credit memos and continuous portfolio monitoring.
- Ownership category
- akta.pro rank
RoxWrite industry classification
Industry- Product category
- Commercial Lending Underwriting Software
- NAICS
- Software Publishers (513210)
- SIC
- Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- Underwriting Automation & Income/Employment Verification (FSAGAHAD)
Keywords
Where RoxWrite is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
RoxWrite business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations
Revenue model
- Subscription with Per-Application Fees: Monthly subscription tiers (Starter $0, Explorer $399, Pro $899, Enterprise from $2,000) with included free applications and reduced per-credit costs at higher tiers. As volume grows, price per application drops.
- Usage-Based Credit Checks: Per-credit fees ranging from $3.00 (Starter) down to $1.25 (Enterprise) for automated data pulls from third-party sources.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Starter: Free entry tier for pilots and early-stage firms |
| Subscription | Monthly | Explorer: Mid-volume processing tier |
| Subscription | Monthly | Pro: High-volume professional tier |
| Subscription | Monthly | Enterprise: Custom high-volume tier |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
RoxWrite product offering
Product offeringCore offering
ROX (operated by ROX Technologies Inc. / RoxWrite) is a unified intelligent underwriting platform that consolidates the underwriting process into one centralized system for commercial lenders, factors, MCA funders, and brokers. It combines data aggregation from 10+ third-party sources (credit, KYC/KYB, banking, public records), automated credit memo and decision logic, integrated UCC search and filing, and real-time post-funding portfolio monitoring, delivered as a subscription SaaS product.
Product overview
ROX is a unified intelligent underwriting platform combining data aggregation, decision logic, and workflow automation. The core ROX Platform connects several integrated modules: the 3rd Party Data Hub for KYB/KYC verification pulling from LexisNexis, Cobalt, Plaid, and First Corporate Solutions; Client & Broker Portals for white-labeled application submission; Credit Memo Generation for automated decision documents; UCC Automation for lien search and filing; Pipeline & Workflow Management for application tracking; and Continuous Monitoring for post-funding portfolio surveillance. The platform also exposes an Open API for custom headless underwriting flows. The platform serves lenders, factors, MCA funders, brokers, and B2B trade credit companies across Starter, Explorer, Pro, and Enterprise pricing tiers.
Differentiator
Problem solved
Functional benefit
Products and services
- ROX Platform Unified intelligent underwriting and real-time fraud prevention platform that combines data aggregation from 10+ sources (credit, KYC/KYB, bank data, Secretary of State, UCC), decision logic, automated credit memo generation, integrated UCC search and filing, white-label applicant and broker portals, pipeline and workflow management, and continuous 24/7 post-funding portfolio monitoring. Built for private lenders, factors, MCA funders, brokers, and B2B trade credit providers, sold via tiered monthly subscriptions (Starter $0, Explorer $399, Pro $899, Enterprise from $2,000) with per-credit usage fees on SOC 2 Type II compliant infrastructure.
- ROX Open API REST API enabling programmatic management of the entire underwriting lifecycle without logging into the ROX dashboard, including webhooks for triggering actions in internal systems when application status changes, a sandbox environment for testing with mock data, and strictly typed endpoint documentation with code snippets. Targeted at enterprises wanting to integrate ROX headless underwriting flows into their existing systems.
Quantifiable outcome
- Average underwriting delay reduced from 3-5 days to near real-time
- +1 more outcomes
Companies that use RoxWrite
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles5 records
RoxWrite technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability4 records
Feature8 records
RoxWrite partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and supporting.
- PlaidcoreNative banking data integration connecting directly to applicant bank accounts for tamper-proof statements, balance checks, and transaction history. Enables real-time cash flow verification.
- LexisNexiscoreDeep background checks, watchlist screening, and risk data integration for KYB/KYC verification within the ROX workflow.
- CobaltcoreData and compliance integration providing additional verification capabilities for KYB/KYC checks.
- QuickBookssupportingAccounting integration syncing with general ledger to validate revenue claims against actual accounting records.
- DocuSignsupportingContract integration streamlining the closing process with integrated digital signatures and document management.
- Factor CloudcoreServicing platform integration pushing funded deals, debtor information, and invoice data directly without manual data entry. Available on Explorer tier and above (additional fee for Explorer).
- HubSpotsupportingCRM integration syncing deals, companies, and contacts between ROX and HubSpot.
Scale indicators2 records
Recent moves1 record
Expansion highlights6 records
RoxWrite competitors and assessment
Company assessmentBroad incumbents
- Abrigo: Abrigo provides loan origination, risk analytics, and compliance software for community banks and credit unions. It overlaps with ROX in lending decisioning and KYB/KYC data but serves a much broader banking audience with a larger product suite.
- nCino: nCino is a cloud banking platform with end-to-end commercial and SMB loan origination, decisioning, and onboarding. It competes with ROX for the underwriting workflow within banks and larger lenders, though at a much larger enterprise scale.
- Decision Logic (Temenos): Decision Logic, now part of Temenos, provides automated credit decisioning and small-business lending origination. It targets a similar SMB/alternative lender base as ROX with broader portfolio capabilities under the Temenos banking suite.
- Moody's Analytics: Moody's Analytics offers credit risk, underwriting, and portfolio monitoring solutions for commercial and SMB lenders. It competes with ROX in risk analytics and decisioning but at enterprise scale with much broader data and product depth.
Direct peers
- Lendio: Lendio runs an SMB lending marketplace connecting borrowers to a network of lenders, including alternative and MCA funders. It serves the same SMB-borrower/lender ecosystem that ROX underwrites for, with comparable automation in credit evaluation.
- Kapitus: Kapitus provides alternative working capital, small-business loans, and MCA financing, often alongside underwriting and risk tools. It serves the same alternative-lending vertical as ROX with overlapping underwriting and risk-monitoring needs.
- Lendflow: Lendflow is an API-first credit decisioning and underwriting infrastructure platform for SMB lenders and embedded fintechs. It is the closest comparable to ROX in both delivery model (API + dashboard) and target customer (alternative/SMB lenders), making it a direct peer in the underwriting-automation niche.
- Biz2Credit: Biz2Credit operates an online small-business lending marketplace with automated underwriting for term loans, lines of credit, and MCA products. It directly mirrors ROX's lending verticals (SMB, MCA, working capital) with credit-decisioning technology.
- FactorCloud: FactorCloud is a servicing platform for factoring companies and is also a ROX integration partner. It overlaps with ROX in serving factors with workflow automation, including debtor management and funded-deal handling.
Others
- Plaid: Plaid is both a partner (bank-data integration) and adjacent infrastructure for the lending ecosystem. Its Income, Assets, and Signal products increasingly enable lender underwriting flows, making it a complementary/thematic peer rather than a direct competitor.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
RoxWrite social profiles
Digital presenceRoxWrite compliance and trust
Trust signalCompliance1 record
RoxWrite financial estimates
Financial estimateRevenue estimate
Valuation estimate
RoxWrite leadership team
Management profileNumber of profiles
Profiles1 record
RoxWrite funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RoxWrite 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 RoxWrite
What does RoxWrite do?
ROX (operated by ROX Technologies Inc. / RoxWrite) is a unified intelligent underwriting platform that consolidates the underwriting process into one centralized system for commercial lenders, factors, MCA funders, and brokers. It combines data aggregation from 10+ third-party sources (credit, KYC/KYB, banking, public records), automated credit memo and decision logic, integrated UCC search and filing, and real-time post-funding portfolio monitoring, delivered as a subscription SaaS product.
Is RoxWrite a public or private company?
RoxWrite is a private company. It is classified as unknown and is currently operating.
When was RoxWrite founded?
RoxWrite was founded in -1. It employs 11 to 50 people.
Where is RoxWrite based?
RoxWrite is headquartered in Atlanta, United States, in the North America region.
How does RoxWrite make money?
Two revenue lines are on record. Subscription with Per-Application Fees are the primary driver. The others are usage-Based Credit Checks.
Who are RoxWrite's main competitors?
Broad incumbents on record are Abrigo, nCino, Decision Logic (Temenos) and Moody's Analytics. Direct peers are Lendio, Kapitus, Lendflow, Biz2Credit and FactorCloud. Plaid is listed as an others.
Does RoxWrite have an API?
Yes. ROX API allows programmatic management of the entire underwriting lifecycle without logging into the dashboard. Features include webhooks for triggering actions in internal systems when application status changes, sandbox environment for testing with mock data, and comprehensive endpoint documentation with strictly typed parameters and code snippets. Developer documentation is at app.roxwrite.com/login.
What industry is RoxWrite in?
RoxWrite's product category is Commercial Lending Underwriting Software. Its primary akta.pro industry code is FSAGAHAD, Underwriting Automation & Income/Employment Verification. Its NAICS code is 513210 and its SIC code is 7373.