Richie AI
Richie AI: Prequalification, CRM and lender access for brokers and embedded finance teams. Ranked #28 of 33 in Embedded Lending Platforms by our editors (5.3/10); pricing: Pricing on request; best for small brokers needing prequalification and lending CRM.
At a glance
- Editor score5.3 / 10
- PricingPricing on request
- Best forSmall brokers needing prequalification and lending CRM
- Free planNo
- API accessYes
- Facts checked28 Sep 2026
Where it wins
- Sales-data and shadow prequalification before an application
- No-code, SDK and API application options
- Merchant portals, CRM and lender-network access
Where it doesn't
- No free plan is listed
- Enterprise solution pricing requires contacting sales
- Broker plans emphasize CRM and application management
Our verdict on Richie AI
Richie AI provides lending infrastructure for SaaS platforms, marketplaces and payment processors that want to offer working-capital loans. Its feature set covers merchant prequalification from transaction and sales data, background shadow prequalification, application collection, application management, merchant portals and a white-labeled lending experience. Small brokers can also use its separate CRM plans, while larger organizations can pursue an enterprise implementation. The platform is available on the web and through an API.
Published monthly pricing is organized around broker-focused plans. The CRM-Exclusive Plan costs $97 per month and includes a white-labeled website and CRM portal, loan application management, Plaid integration, and agent and affiliate management. The $247-per-month Growth Plan adds access to Richie's Lender Network, API submissions and chatbot integration. At $497 per month, the Advanced Broker Plan adds dedicated customer support, advanced reporting and analytics, email customization and phone-masking technology. The Comprehensive Enterprise Solution uses contact-sales pricing and lists no-code, SDK or API integration, global lender access, AI-driven scoring and shadow prequalification.
Integration and deployment options make Richie AI suitable for teams with different technical resources. No-code setup, widgets, SDKs and APIs support varying levels of customization, while Plaid, Tidio and Intercom are listed integrations. API access is intended for deeper customization, and the enterprise offering includes compliance support. Working-capital loans are listed with same-day funding. Choose Richie AI when prequalification, application workflows, lender access and broker CRM are central requirements. Organizations seeking a narrowly focused embedded-lending infrastructure layer may find the broker and application-management emphasis less aligned with their needs.
Richie AI pricing
All 4 Richie AI plans and prices →
Richie AI fact sheet
| Free plan | No |
|---|---|
| Paid from | Not verified |
| Offer types | Working-capital loan |
| API access | Yes |
| Underwriting method | Platform sales |
| Funding speed | Same day |
| Maximum funding | Not verified |
| Repayment basis | Not verified |
| Deployment | Cloud |
| Platforms | Web |
| Support | Docs · 24/7 |
| Built for | Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 3 integrations: Plaid, Tidio, Intercom |
| Pricing | Pricing on request (source) |
| Website | richie.ai |
| Facts checked | 28 Sep 2026 |
Richie AI integrations
Richie AI lists 3 integrations on its own site.
- Plaid
- Tidio
- Intercom
Alternatives to Richie AI
- Stripe CapitalA Stripe Connect financing layer with automated underwriting and revenue-based repayment.9.2
- PayPal Working CapitalFast, PayPal-linked working capital for small businesses that repay from sales.8.8
- Cashfree Embedded LendingConfigurable embedded lending journeys with APIs, UI components, and loan operations.8.7
See all Richie AI alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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