Approve 20% more loans with sharper SMB credit risk analysis and automated underwriting
JUDI.AI features an SMB-specific credit model that leverages cash flow analysis, AI-driven credit risk modeling and machine learning to help lenders gain a more accurate picture of SMB creditworthiness.
The JUDI.AI credit engine has reviewed $1B+ worth of SMB loan applications – streamlined by digital application intake and automated underwriting. Over 25M+ data points have been ingested, including banking transaction data, credit bureau scores, credit policy rules and other alternative data sources that help expand your SMB credit box and decrease risk of default.
A credit scoring model for SMBs based on current banking data – not stale financials
Cash flow is one of the most valuable predictors of loan performance. Instead of relying on financial statements that tend to be stale and inaccurate, JUDI.AI uses cash flow data derived from banking statements and machine learning to gage the true financial health of SMBs.
50% More Applications Processed
20% More SMB Loans Approved
(No Added Risk)
< 4 Mins Decisioning Time on SMB Loans
(From Weeks to Minutes)
AI and machine learning for efficient data classification, signal processing, credit risk analysis & loan decisioning
JUDI.AI overcomes the challenge of low SMB credit score hit rates by supplementing service bureau credit scores with current cash flow data. Permission-based banking data can be aggregated across multiple bank accounts and various financial institutes.
Machine learning and natural language processing (NLP) is used to transform banking transactions into structured cash flow data – ready for historical and real-time analysis. Cash flow data points and signal processing variables are used for pre-lending business rules, SMB-specific credit model variables and post-lending risk indicators. A combination of decision trees, neural networks, and logistic regression is used to automate, annotate, and expedite credit decisions.
Automated loan underwriting to speed up credit decisioning in under 4 minutes
With JUDI.AI, you can digitally transform time consuming loan origination workflows such as manual application intake, pre-lending credit risk analysis and credit decisioning processes – resulting in 50% more applications processed with no additional resources. Machine learning is used to augment business rules and accelerate intelligent credit decisioning from weeks to minutes, creating optimal efficiency for both borrowers and lending advisors.
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