We built an AI-powered platform for investing in real SMBs (feedback welcome)
1 comments
Do you plan to operate in USA (SEC rules)?
The investment structures could use description in English.
Does investing in these instruments make the investor a co-owner of the business? (Like a member of an LLC)? Or is it a revenue sharing contract of some kind?
SMB investing often takes the form of debt. Do you support cash flow loans?
What’s the enforcement mechanism if the SMB raises funds and then doesn’t pay out? I know a guy who does cash flow loans for small businesses and being a real tough mofo (and having even rougher characters on staff) is part of the job.
Also I think people expect there to be an exchange for shares. I know these assets will be highly illiquid, but still you could permit buy/sell orders to be placed on the books to facilitate exiting.
The investment structures could use description in English.
Does investing in these instruments make the investor a co-owner of the business? (Like a member of an LLC)? Or is it a revenue sharing contract of some kind?
SMB investing often takes the form of debt. Do you support cash flow loans?
What’s the enforcement mechanism if the SMB raises funds and then doesn’t pay out? I know a guy who does cash flow loans for small businesses and being a real tough mofo (and having even rougher characters on staff) is part of the job.
Also I think people expect there to be an exchange for shares. I know these assets will be highly illiquid, but still you could permit buy/sell orders to be placed on the books to facilitate exiting.
We’ve been building Rivellium — a multi-asset investment platform that lets people invest in real, revenue-generating SMBs (manufacturing, logistics, service companies, etc.) rather than high-risk startups or crypto tokens.
The core idea: make real-economy investing accessible, transparent, and supported by automated AI scoring + a future P2P secondary market.
A few technical details: • Scoring engine: combines structured SMB financial data with operational metrics and sector-level benchmarks. • Stripe + INXY Payments for multi-method deposits (card, bank transfer, local methods). • Built on a Python backend with async pipelines for risk/financial modeling. • Frontend: React + modular UI system. • Infrastructure: GCP + Vercel. • KYC/AML handled via Medallion (auto-verification + sanctions/PEP checks).
We launched our MVP recently — first users and initial investments have started to come in. Currently working on: • Public-assets layer (indexed instruments) • P2P secondary market for liquidity • New updated UI (ships this week) • Referral system • Extended reporting for investors
We’re still early, so I’d really appreciate feedback from the HN community: — thoughts on the model? — risks we might be underestimating? — ideas for making the scoring engine more robust? — anything that looks unclear, unsafe, or technically weak?
Happy to answer any questions. Not trying to sell anything — I’m mostly looking for honest technical/product feedback from people who have built financial or marketplace systems before.
Thanks for reading.