Alex Shvarts

Alex Shvarts is the Founder and Chief Technology Officer of FundKite, one of the fastest-growing alternative funding platforms in the U.S. small business finance market. Since founding the firm in 2015, Shvarts has built FundKite into a $70M revenue fintech that has deployed more than $200M in capital to small businesses across the country — operating in the gap left by retreating banks, tightened SBA criteria, and a small business credit market that no longer functions the way it did a decade ago.

Before FundKite, Shvarts engineered and sold proprietary technology to the broader fintech industry. His dual background in software architecture and capital markets is the operating thesis of the firm — FundKite is finance-first, but the underwriting, the reconciliation, the merchant monitoring, and increasingly the credit decisioning run on technology Shvarts built.

He is a member of the Forbes Technology Council and a regular source for trade and business press on small business funding, merchant cash advance, revenue-based financing, default and charge-off dynamics, AI underwriting, and credit card processor partnerships.

At Everything-PR Finance, Shvarts writes on the structural shifts inside small business capital — what banks no longer see, where the next default cycle is coming from, how AI is reshaping underwriting, and why the alternative funding category is now larger and more critical to the U.S. economy than most policymakers realize.

Areas of Expertise

• Small business funding and alternative lending
• Merchant cash advance and revenue-based financing
• Fintech underwriting and AI credit decisioning
• Credit card processor partnerships (Square, Shopify, Stripe)
• Default, charge-off, and reconciliation dynamics
• Capital markets for non-bank lenders
• Structured notes and capital partner economics

Credentials

• Founder & CTO, FundKite (2015–present)
• Member, Forbes Technology Council
• $200M+ capital deployed to U.S. small businesses
• Featured in PR Newswire, Forbes, Fintech Newscast, Latka