LiquidAlloy is B21's goal-first agentic foundation. LiquidBronze runs on it to discover your ideal customers, track product-market fit, and grow your sales pipeline autonomously. Every action creates insight and feeds FLO, the opportunity model that shows you exactly how things are right now.
Most small businesses with real product-market fit still can't get funded — because every credit model underwriting them only looks backward.
of SMBs struggle despite product-market fit
can't finance their cash-flow and CapEx needs
2025 Fed Small Business Credit Survey — a $1M-revenue SMB is routinely declined.
We spoke with small businesses — 2 to 25 employees — in San Jose, and found that the way they use AI today isn't giving them a real advantage. That matched exactly what the data above shows: most risk systems are backward-looking by design.
Our domain expertise comes from having spent over a decade building commerce and payments infrastructure together at Apple, on the App Store platform. That's given us a deep understanding of how transaction data, demand, and trust translate into real financial decisions at scale.
We started B21 to put that experience to work for small businesses: using AI to drive their growth, and using the demand signal that growth creates as the basis to fund them.
That's what LiquidBronze, built on LiquidAlloy — our goal-first foundation — does. It takes small businesses that are opaque to banks and fintechs today, and makes them transparent.
Built on LiquidAlloy, LiquidBronze is the sales and strategy application that grows and manages a small business's sales pipeline — three AI capabilities that turn guesswork into evidence.
Analyzes your best existing customers and reverse-engineers who else looks exactly like them — across 90M+ business profiles. Stop guessing who to target.
90M+ business profilesContinuous feedback analysis from churn signals, usage patterns, and market shifts. Know exactly where your product fits — and where it needs to evolve.
Deploy AI agents that handle CSAT, promos, and product-fit insights. Your team stops doing repetitive work and starts doing meaningful work.
LiquidAlloy is B21's goal-first agentic foundation — already live, managing customer sentiment across every account it watches. LiquidBronze and FLO, the growth and opportunity products rolling out next, run on this exact same substrate, and so does anything you build yourself.
Agents work backward from a business objective — not a query.
Specialized agents for strategy, GTM and finance coordinate on one plan.
Insight → evidence → action, executed end-to-end on the platform.
LiquidBronze runs on predefined goals rooted in Blue Ocean Strategy — nudging a business toward the right offer, customer and market. Every action taken strengthens the same pipeline and AR signal that FLO turns into a forward-looking opportunity score for LiquidSteel.
After onboarding, an intuitive feed delivers the actions a business can take right now — reach a new market, adjust an offer for a new customer — each one grounded in a predefined goal from Blue Ocean Strategy.
LiquidAlloy, the foundation, is already in production. LiquidBronze, FLO, and LiquidSteel roll out for B2B businesses first, then extend to B2C.
Already in production, managing customer sentiment across every account it watches — the same substrate LiquidBronze and FLO roll out on next.
Blue Ocean growth nudges and dynamic promos, plus FLO's forward-looking opportunity model projecting demand 180 and 360 days out from pipeline and AR evidence — surfaced to banks and fintechs through LiquidSteel.
The same LiquidBronze nudges, dynamic promos, and FLO opportunity model, extended to B2C businesses and their customers.
SMBs get LiquidBronze — growth software that pays for itself, and a transparent view of exactly how the business is progressing.
Banks and fintechs get LiquidSteel — a forward-looking growth signal no bureau can produce, so they can see who to fund.
B21 compounds — every action on LiquidAlloy strengthens the signal, and the moat, for everyone downstream.
Every FLO score and every LiquidBronze nudge traces back to the pipeline and AR signals that produced it.
Pipeline, AR and customer data are read to build the signal — never sold, never used to train against you.
Agents act toward the objective you set, with approval gates on anything that touches money or a customer relationship.
FLO's signal is structured for credit decisioning from day one — evidence-backed, auditable, and consistent across accounts.
Whether you're an SMB running growth on LiquidBronze or a fintech looking for LiquidSteel's growth signal — tell us which, and we'll follow up.