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Patrick Reily

Co-founder, Uplinq

Fintech

Patrick Reily co-founded Uplinq in 2021 with Ron Benegbi and works on the mathematics behind its credit assessment platform for small-business lenders. Uplinq's about page describes him as a mathematician and economist with more than 30 years in financial institutions who has advised the US government and the World Bank on credit lending.

Patrick hasn’t spoken on a TechTO, TechVancouver or TechWaterloo stage. This profile is here because Patrick co-founded Uplinq, which appears in 2 talks in the archive.

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Quick answers

Who is Patrick Reily?

Uplinq's co-founder, alongside founder and CEO Ron Benegbi. Uplinq's about page, checked in September 2026, lists him as Co-Founder and describes him as "an elite mathematician, an economist and a 30+ year FI veteran" who has held senior positions in traditional financial institutions.

What does he work on?

Credit risk modelling. Uplinq's about page, checked in September 2026, says he has led the use of unstructured and transactional data for predictive modelling in underwriting and fraud prevention since the late 1980s, and that his macroeconomic prediction work is used by the US Federal Reserve.

What does Patrick Reily say about small-business lending?

Tearsheet reported on July 1, 2025 that he framed the gap in numbers: "small business makes up 44% of the US economy…but only about two and a half percent of loans on bank balance sheets are small business loans." In the same piece he argued fintechs should work with traditional lenders rather than try to displace them.

Does he run another company?

Yes. A Q&A posted on Uplinq's blog on January 20, 2022 identifies him as CEO of Verde International and refers to Uplinq's acquisition of Verde International's AI intellectual property. No third-party page confirming that role was found on review in September 2026, so treat it as a company statement.

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Maintained by TechTO · facts sourced and dated · last reviewed Sep 17, 2026