AI fintech introduces structured financing model that transforms profitable businesses into scalable, AI-powered companies
8alpha.ai, an artificial intelligence financial technology company pioneering a new approach to startup investing, announced the launch of its new structured financing model. Founded by serial entrepreneur Carlos Ochoa, the company is building the financial infrastructure for the AI economy, designed to back profitable businesses and scale them into AI-native leaders.
The company launches at a time of disruption in the market. While billions flow into a handful of high-profile AI companies, thousands of profitable businesses generating between $1 million and $15 million in annual revenue are locked out of traditional funding channels. Many are caught in what 8alpha.ai calls the “slow growth death trap”, too unconventional for banks, and too slow for venture capital.
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“Headlines tout $100 million rounds, flying checks and oversubscribed deals. Venture looks like it’s ‘back.’ But peel back the surface, and you’ll find a very different reality. Yes, AI is the future, but we’re living in a bubble. In the first quarter of 2025, more than 70 percent of U.S. venture capital went to just five AI companies. OpenAI alone raised $40 billion, nearly half of all startup funding that quarter,” said Nicole Rojas, head of investments at 8alpha.ai and author of AlphaInsights. “The result is a funding desert and an opportunity.”
The first brick in the foundation of a multi-billion-dollar AI-native bank for startups.”
— Carlos Ochoa, Founder and CEO of 8alpha.ai
8alpha.ai provides an alternative path:
• STRUCTURED FINANCING: Up to $1 million checks into profitable, tech-enabled companies in high-potential industries. Capital is structured through a four-year revenue share agreement, with 8alpha.ai receiving a fixed percentage of the company’s revenue each year.
• AI TRANSFORMATION: 8alpha.ai provides hands-on roadmaps that cut costs, increase revenue and help companies evolve into AI-native businesses, setting a path to scalability and higher valuations.
• FINANCIAL INFRASTRUCTURE: End-to-end CFO services and fintech tools that reduce risk and position companies for institutional rounds.
• AI-ENABLED SALES AND PARTNERSHIPS: When it’s time to grow, 8alpha.ai unlocks scale through a global network and database of more than 20,000 investors, financial institutions and strategic partners. The firm’s platform uses AI-powered matchmaking to connect portfolio companies with the right capital sources, customers and collaborators.
“Our model compounds value across every layer, immediate cash flow, balance sheet growth and long-term equity upside,” said Carlos Ochoa, founder and chief executive officer. “We are not just deploying capital; this is the first brick in the foundation of a multi-billion-dollar AI-native bank for startups.”
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