One Year Later: Building the Future of SMB Onboarding & Underwriting

Reflecting on Year One

When we launched Worth, our mission was simple: build a more equitable financial ecosystem, one where small businesses could access capital with the same speed, clarity and trust that consumers have come to expect.

But we quickly saw the real problem: outdated, manual processes were holding everyone back. From SMBs struggling through confusing paperwork to financial institutions wasting time on redundant reviews, it was clear onboarding and underwriting needed a serious upgrade. 

That’s where Worth came in. We set out to eliminate friction, reduce bias and help small businesses get approved faster without sacrificing compliance or risk controls. One year in, that vision has become a reality across our growing customer base.

Product Evolution

What began as a vision for smarter, fairer underwriting quickly evolved into something bigger. We realized the real barrier wasn’t just risk scoring, but it was also the entire onboarding journey. We wanted to bring a consumerized experience to SMBs where they weren’t left behind because of outdated systems, legacy biases or unnecessary red tape.

In just one year, we built it:

Worth Pre-Fill – Auto-fills applications with just three fields (Name, Address, EIN), streamlining onboarding and reducing friction

Worth Custom Onboarding – Tailored, mobile-first flows that adjust to each applicant’s profile and industry

Worth Predictive Monitoring – Real-time risk alerts and portfolio insights to support smarter growth

Worth Case Management – A centralized hub for approvals, compliance, and internal collaboration

Worth Score™ – Our proprietary risk and credit scoring engine that removes bias and speeds up decisions

Worth Tax Filing – Seamless access to IRS data without long wait times or manual entry

Worth Wallet – A one-click, ShopPay-style onboarding experience that merchants actually enjoy

Bundled together, this suite gives financial institutions, fintechs, credit unions, lenders, ISVs and payment platforms a single source of truth, turning fragmented workflows into one fully automated system. No more toggling between tools. No more delays. Just faster decisions, better compliance and a frictionless experience from start to finish.

One year later, Worth is more than a single product. It’s the platform redefining what modern onboarding and underwriting should look like for everyone.

Customer Momentum

Worth has become the platform trusted by some of the most respected names in fintech and financial services, including REPAY, Aurora Payments, Wave Financial and Fairwinds Credit Union.

These companies came to Worth looking for a better way to onboard merchants, verify suppliers and stay compliant without slowing down growth. What they got was a full-stack automation platform that made everything from KYB/KYC to underwriting to monitoring faster, smarter and easier to scale.

With Worth, Aurora Payments consolidated a previously complex workflow into one seamless tool. “It’s a game-changer,” said Shahin Jahromi, CPO of Aurora Payments. “Aurora can now onboard merchants directly and without handholding. We’re delivering an unparalleled customer experience with the highest quality data in one integrated tool.”

For REPAY, Worth’s real-time verification tools and pre-fill capabilities helped streamline supplier onboarding, returning validated ownership info, TINs, and compliance checks in seconds not days. This resulted in increased approval rates, fewer delays, and a smoother experience for everyone involved.

These wins aren’t just about speed, but also about unlocking revenue, reducing manual work and delivering a better experience at every touchpoint.

The Funding Milestone

This year, we closed a $25M investment round led by TTV Capital which was an important milestone that validated our vision and gave us the runway to build fast and build right.

Our investors recognized what we already knew: onboarding, underwriting and compliance for SMBs is broken and ripe for reinvention. The current systems weren’t built for scale, for automation or for the diverse needs of today’s businesses. Worth is.

This funding allowed us to grow intentionally. We scaled our team across engineering, product and sales. We doubled down on security and compliance infrastructure. We brought new products to market and strengthened our capabilities across onboarding, underwriting and verification.

More importantly, it gave us the resources to deliver for our customers and stay ahead of the industry curve.

Team Growth & Culture

In just 12 months, Worth’s team grew from a small group of passionate builders to a fast-growing company with top talent. We expanded to 50+ team members, making key hires across product, sales, marketing and engineering, each one helping us move faster and deliver better.

While we move fast, we stay grounded in our values:

One Team
We put team over self. We work together with trust, respect, and shared purpose to drive impact and win as one.

Create Raving Fans
We deliver standout experiences in every interaction, turning customers, partners and teammates into advocates through care and consistency.

Extreme Ownership
We take full responsibility, move fast and deliver with excellence. No excuses, only results, agility and high standards.

Whether we’re heads down building or together in person for offsites, we show up for each other and for the mission. 

What’s Next

As we look ahead, one thing is clear: the future of onboarding and underwriting will be defined by speed, intelligence, and trust. That’s why our next goal is rolling out Worth Score™.

We’ve spent the past year building the infrastructure to automate underwriting, streamline onboarding and eliminate friction. Now, Worth Score™ takes it a step further, delivering a unified credit and risk profile that helps financial institutions make smarter, faster decisions with minimal input.

In the next year, we’ll continue evolving the Worth Score™ to improve access to capital and give SMBs a clearer understanding of their financial health. It’s not just a simple business credit score but it’s also the key to unlocking a more equitable, data-driven financial system.

Year One was about building the foundation. Year Two is about scaling impact.

Thank You

To our customers, thank you for trusting us to reimagine the onboarding experience. To our team, thank you for building something bold and meaningful. To our investors and early believers, thank you for seeing the vision and believing in our mission.

We’re just getting started and we’re building for the long haul.

Want to see what we’re up to? Follow along on social or request a demo to see Worth in action.