Transform credit decisions with AI.
Automate and enhance credit decisions by applying machine learning to traditional and alternative data sources.
Lenders still rely on a method invented in the ’60s.
3 out of 4 small businesses — from online sellers to mom-and-pop shops — can’t get the financing they need to grow, or even sustain their business. Not because they lack creditworthiness, but because lenders are unable to assess their risk.
A four-part approach to modern credit decision models.
Accurate predictive models
Our AI-powered credit decision solution draws on diverse data types — with more up-to-date and detailed company data to assist with decisions on thin-file, credit-invisible SMEs.
Aggregate different datasets
By incorporating a broader set of available and emerging data sources, our proprietary ML algorithms leverage company information previously uncaptured by traditional credit scoring models.
Seamless workflow integration
Each decision is scored with confidence levels. Scores integrate easily with credit workflow via API.
Actionable insights
Advanced analytics support model performance and root-cause analysis.
Onboard more borrowers — and process them faster.
Increase lending capacity
With significantly greater accuracy in assessing risk, lenders can onboard new borrowers whose risk they couldn't previously assess. Monitor existing client credit profiles in real time, allowing for dynamic credit-limit adjustment.
Process applicants faster
Through automation, lenders speed up the underwriting process by 2–3× — with greater visibility into credit quality on an ongoing basis.