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Proprietary Credit Intelligence Engine

AI credit scoring that turns financial statements, alternative data, and market signals into explainable decisions in minutes.

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CREDIT ANALYSIS ENGINE

PROCESSING

SCORE

BEHAVIOURAL

FINANCIAL HEALTH

MARKET POSITION

MACRO EXPOSURE

DECISION

APPROVED

RISK BAND

LOW RISK

KEY FACTORS

Strong 3-year revenue growth trajectory

DSCR 1.42×, above minimum threshold

Elevated sector concentration risk

PROCESSED IN 2m 34s● LIVE

90%

Modelling time reduction

99.9%

Extraction accuracy

50+

Currencies & languages

<3min

Average decision time

How It Works

What Makes Our Models Different

Adaptive Models

Self-calibrating, continuously improving from new outcomes and market data.

Explainable

Every decision ships with factor contributions, score drivers, and benchmarks.

Multi-Dimensional

Financial health, market position, behaviour, and macro, scored in layers.

Real-Time

Complete credit assessment from document submission to decision.

< 3 min

Always Current

Rolling data refresh keeps every score live. No stale models.

Audit-Ready

Full decision trails and compliance logging for every assessment.

Data Intelligence

Every Signal That
Matters for Credit

Our pipeline aggregates and normalises signals from dozens of sources, structured and unstructured, into a unified credit intelligence layer.

Multi-format ingestion (PDF, Excel, CSV, ERP exports)

Real-time third-party enrichment

Continuous data quality validation

Full lineage tracking for auditability

Financial Statements

P&L, balance sheet, cash flow, any format

Public Market Data

Real-time indices, benchmarks, FX

Bureau & Alt Data

Credit bureau, open banking, supply chain

Behavioural Signals

Transaction patterns, payment history

Proprietary Sources

Internal LOS, CRM, custom integrations

Industry Benchmarks

Sector KPIs and performance comparisons

Use Cases

Built for Every Lending Vertical

Small & Medium Enterprise

Alternative data signals like cash flow patterns, supplier relationships, and industry benchmarks, for accurate scores on thin-file borrowers.

Alternative data scoring
Industry-specific benchmarks
Cash flow creditworthiness
Automated statement spreading

85%

Manual review reduction

40%

Higher approval rates

3 min

Average decision time

Discuss Your Use Case

Compliance

Built for Regulated Environments

Fair Lending Analytics

Full Audit Trail

Model Risk Management

Explainability Logging

PCI DSS Compliant

Regulatory Reporting

Get Started

Ready to Deploy
Credit Intelligence?

See how our models perform on your data in a personalised demo.