SoFi Technologies (SOFI) Stock Forecast: Small Business Loans, AI Trading, SpaceX Broker; What’s Next?

Over the course of the week, SoFi rolled out three distinct initiatives, all designed to enhance its suite of lending, investing, and wealth management services.

The most compelling development was the debut of SoFi Small Business Loans, a product featuring up to $250,000 in fixed-rate capital funding, same-day loan approvals within 24 hours, and a lack of origination fees. SoFi Small Business Loans broadens the firm's existing digital lending infrastructure, targeting the small-business sector, a market SoFi notes as underserved by traditional institutions, while simultaneously appealing to the same premium credit-tier consumer segment that drives SoFi's consumer lending division. With the company originating $12.2 billion in loans in Q1 FY2026, management contends it is well positioned to grow business loans without experiencing commensurate growth in operating costs. SoFi Small Business Loans also opens doors for further cross-selling of banking, investing, and insurance products.

The second product launch, Composer by SoFi, marks an foray into AI-powered investing. Using plain-English prompts, users are able to generate backtested, automated investment plans. Composer by SoFi could help make portfolio creation more approachable for retail investors, and it will help set SoFi Invest apart as a more niche offering than what competitors in other, larger brokerage firms offer. This launch could prove more vital as SoFi seeks to grow its Financial Services segment in light of the Technology Platform segment's lackluster performance.

The third initiative, the SoFi Social 50 Income ETF (SFYI) is a passive exchange-traded fund that invests in the 50 most popular assets held in portfolios on the SoFi Invest platform, then applies an options income strategy to those investments. SFYI gives SoFi the potential to utilize investing behavior within its member accounts to create its own investment products, as well as generate a new, recurring revenue source via fees.

In addition to its product launches, SoFi was mentioned in the latest SpaceX IPO prospectus as a potential partner for the distribution of shares to individual retail investors. While there is no certainty as to the amount of stock SoFi will have to distribute or if it will distribute any at all, its mention in the prospectus speaks to the platform's growing popularity as a retail investing platform in advance of the July 29 earnings release.

SoFi's name in the SpaceX IPO prospectus and its role in Trump Accounts are two high-profile items unrelated to lending. SoFi was named a potential retail broker for an upcoming distribution channel for shares in one of the biggest IPOs on the books. The opportunity to earn commission fees could be relatively minor on its own. But being selected as a distribution point for a big IPO bolsters SoFi's retail brokerage credentials, and potentially drives more AUC which generates revenue in the form of payment for order flow and other lending activities like margin lending.

SoFi is also in the Trump Accounts program, where the Treasury has signed up nearly six million kids. The program awards $1,000 in federal funds for every eligible kid born between 2025 and 2028. Families can also contribute up to $5,000 per year into the account. It's a relatively inexpensive means of acquiring new members. In short order, the company will have a brand new household banking for the investing business. Management could offer guidance on new deposit growth and new account growth linked to the program during the July 29 earnings call.

On the daily chart, SOFI continues to consolidate within a symmetrical triangle. SOFI remains inside a symmetrical triangle with the RSI sitting at 59.25 in neutral bullish territory and no bearish divergence present.

SoFi Technologies (SOFI) Price Chart - Source: Tradingview

A bullish breakout close above $20.10 will see SOFI target the $25.00 level. Should SOFI fail to hold the triangle trendline to the upside, look toward $15.70 in support.

• Breakout trigger: Confirmed close above $20.10.
• Target: $25.00.
• Stop Loss: Close below $15.70.

New products Small Business Loans for $250K in as little as 24-hours with no origination fees, Composer AI trading, SFYI ETF.

SpaceX Named as potential retail broker for a distribution channel in the SpaceX IPO.

Q2 Earnings release July 29, 2026. Previous quarter (Q1 2026) saw 41% growth in revenue to $1.1 billion and 35% growth in members to 14.7 million.

Composer by SoFi is an AI-driven investing platform that takes plain-English prompts and turns them into back-tested, automated strategies and diversified investment portfolios. It is unique in that it is built into SoFi Invest; the tool is a native part of SoFi's investing platform, so a member can build, test, and automate strategies without writing code or leaving SoFi Invest.

Composer’s launch is significant for the Technology Platform segment, whose revenue was down 27 percent year-over-year at $75.1 million in Q1 2026. SoFi is trying to strengthen investor engagement and retain more assets in a fiercely competitive market with firms such as Robinhood, Charles Schwab, and Fidelity. 

SoFi starts the week with several potential growth drivers: new Small Business Loans and a new Composer AI, plus the newly launched SFYI ETF, the company’s possible role in the SpaceX initial public offering and early performance of the Trump Accounts program. On the charts, the stock continues in its symmetrical triangle, the RSI is at 59.25, and buyers are defending the trendline from below. A close above $20.10 on the daily chart confirms the pattern and opens the way to the next level at $25.00, while a close below $15.70 invalidates it. 

The July 29 earnings report will be the key catalyst, with the focus on if there is any evidence of new products, member growth, and platform expansion driving the results.