Keith Smith is the CEO and Co-founder of Payability, a fintech company that provides funding and payment solutions to eCommerce SMBs. Payability funds thousands of eCommerce businesses every day. Its patented technology utilizes machine learning algorithms to underwrite customers based on sales quality and historical eCommerce performance - rather than simply looking at personal credit scores. Previously, Keith founded and ran multiple startups, including; CyberMortgage, Zango, and BigDoor. Keith lends his time to early-stage startups via Techstars and serves as an adviser, investor, and board member for multiple tech startups.