Fintech platform Newity has raised $11 million in a strategic funding round led by CMT Digital, its first outside capital since launching in 2020. The deal was completed in December 2025 through a SAFE structure. Newity is tying small business lending to blockchain infrastructure, with a model built around AI-based underwriting and the possible tokenization of loan assets.
More than $12 billion in financing processed
Newity first gained traction by helping companies during the Paycheck Protection Program, then expanded into SBA 7(a) loans and other growth-focused funding products. According to the company, it has handled more than $12 billion in financing for over 125,000 businesses, with an average loan size near $118,800.
Its underwriting system is described as AI-first and reviews hundreds of data points. Businesses can get prequalified in minutes, while full funding may arrive in about three weeks. That speed matters in a market where legacy bank processes remain slow and paperwork-heavy.
A large funding gap and a tokenization push
The report says the broader small business finance market still faces a shortfall of roughly $350 billion a year. At the same time, tokenized credit and real-world asset finance are drawing more attention. Newity is exploring the tokenization of loan assets, a move that could give investors access to pools of business credit through a digital structure.
If business lending moves onchain, cross-border access to capital and secondary market liquidity could shift as well. The article points to Maple, Centrifuge, and Goldfinch as platforms already testing decentralized credit models. That raises pressure on traditional fintech lenders, while banks and service providers may respond with hybrid models combining regulated lending and blockchain-based settlement.
What the model could mean for borrowers and investors
For borrowers, the setup could mean faster approvals, simpler checks, and repayment tracking through smart contracts. For investors, it could create yield exposure backed by operating business credit rather than pure market speculation.
The source also notes that onchain finance may use stablecoins for loan disbursement and repayment to reduce price volatility and speed up settlement. The infrastructure could run on Ethereum or a scalable Layer-2 network to keep fees steadier. Loan pools may also be turned into tokenized instruments, opening access to smaller investors and supporting secondary trading.
Newity’s latest raise puts it at the intersection of AI underwriting, RWA finance, and digital capital markets. Compliance, transparency, and usability remain the core constraints as this type of lending model moves closer to production scale.