GATE 0
Intake
Is this startup selling something a bank would actually need to review?
- · Accepted into diagnostic
- · Rejected — not bank-facing
- · Repositioning required
Live Oak Bank Labs · paid bankability accelerometer
Bankability is measurable
before the bank meeting.
Live Oak Bank Labs is a remote accelerometer for AI and fintech startups selling into banks. Submit one workflow. Get a bankability score. Identify evidence gaps. Generate a BLKBXS evidence bundle. Know whether you are ready to move through diligence.
$750 diagnostic · deterministic scoring · runs in your browser · no login
This is not an accelerator
An accelerometer measures.
It does not perform.
Startups do not pay to join a cohort. They pay to measure whether they can survive bank diligence, identify evidence gaps, and generate the artifacts a regulated buyer will actually ask for.
- · No cohort theater.
- · No pitch-day vanity.
- · No generic mentor calls.
- · No innovation-theatre demo days.
The product is not mentorship. The product is validated bank-readiness evidence.
What the accelerometer measures
Bankability velocity
How fast the company can move from questionnaire to evidence bundle.
Diligence friction
Where reviewers stall — model risk, vendor risk, procurement, legal.
Evidence completeness
Which artifacts exist, which are missing, and which are stale.
Regulatory exposure
What review class the workflow triggers and where perimeter is unclear.
Procurement readiness
Questionnaire, subprocessor, SOC 2, and IR posture.
Integration risk
Read-only vs write access, human review, kill-switch discipline.
Trust-packet maturity
Whether receipts, digests, and audit logs are ship-ready.
Pilot conversion readiness
Whether a bank sponsor could route this to a real pilot.
Startups move through gates, not sessions
Six gates from intake to bank pilot readiness.
GATE 1
Bankability diagnostic
What kind of bank review will this trigger?
- · Bankability score
- · Review-profile map
- · Evidence gap list
- · Suggested BLKBXS bundle
GATE 2
Evidence gap remediation
What is missing before a bank can review this seriously?
- · Required evidence list
- · Missing controls
- · Missing lineage
- · Missing model / privacy documentation
GATE 3
Receipt generation
Can the startup produce structured proof from the workflow?
- · First BLKBXS receipt
- · Verification result
- · Tamper test result
- · Receipt schema map
GATE 4
Evidence bundle
Can the startup ship a review-ready packet?
- · Vendor-risk bundle
- · Model-release bundle
- · Underwriting bundle
- · Insurance bundle
GATE 5
Bank pilot readiness
Is this startup ready to route to a bank sponsor, vendor-risk reviewer, or partner?
- · Pilot-readiness memo
- · Diligence packet
- · Open-risk register
- · Routing recommendation
How it works
- 01
Submit your workflow
One structured intake — buyer, workflow, model, data access, current artifacts.
- 02
Receive bankability diagnostic
Deterministic score across seven dimensions with reasons for every point.
- 03
Fix evidence gaps
7-day sprint plan tuned to the missing artifacts.
- 04
Generate BLKBXS receipts
Structured proof from the workflow — model, version, policy, review, exposure.
- 05
Ship a review-ready bundle
Vendor-risk, model-risk, privacy, or pilot bundle — whichever the review profile demands.
- 06
Route to bank, VC, or partner
Pilot-readiness memo, diligence packet, and open-risk register.
Pricing
Pay for movement through a validation rail — not access.
Bankability Diagnostic
$750
Scorecard, evidence gap map, recommended bundle path, 7-day sprint plan.
Run diagnostic →Pilot Evidence Bundle
$2,500
One workflow mapped into a BLKBXS receipt and a bank pilot evidence bundle.
See bundle →45-Day Validation Rail
$15k+
Multiple artifacts, BLKBXS integration, pilot packet, partner routing.
Talk to us →Partner pricing
VC portfolio screen
$10k / 10 startups
Diagnostic scorecards, top 3 pilot-ready, gap maps for the rest.
Bank inbound rail
$25k+ / year
Pre-screen inbound startups before reviewers spend time on them.
Accelerator cohort screen
$15k–$50k
Screen an entire cohort against real bank diligence criteria.
Three evidence tracks
Mandate
MAND8
Proves who was authorized to act and whether the action stayed inside institutional authority.
Risk
BLKBX
Proves what happened, what exposure was created, and whether the event can be reconstructed.
Duty
DUE
Proves whether an obligation was fulfilled, breached, remedied, or still open.
MAND8 for mandate. BLKBX for risk. DUE for duty. LIVE Labs tells you whether you are ready. BLKBXS gives you the evidence to prove it.
Current cohorts