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What inputs are supported?
Credit assessment Tool
Smarter underwriting decisions start here
Automate financial statement analysis with AI to make underwriting faster, consistent, and bias-free.
How it works
Plugged into your data sources
Cred AI can be plugged into your data sources and can automatically clean and process the transaction data.
Reveal insights that matter
Underwriters can reveal insights that underwriters need: credit vs. debit splits, cash-flow health, balance trends, instances of large withdrawals, and fraud flags.
Interactive analysis (Powered by Weave)
Ask questions, like “What explains the dip in May?” “Which inflows look unusual?” and get immediate answers rooted in the same data.
Disciplined underwriting
Automated underwriting paves the road for faster decisioning timelines, standardization, and a clear rationale for reviewers.
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Success Stories from Global Enterprises
An UK-based SME lender achieved 300% productivity growth with Cred AI
Features that power Cred AI
Omitted Transactions
Get a transaction breakdown of what you need while omitting entries that inflate or distort real income patterns.
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AI-Powered Summary
Not just dashboards, you’ll get summaries that distil everything you need to know in short bullets.
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Balance Forecasting
Predict future cash positions based on historical inflows, outflows, and seasonality trends.
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Credit Bureaus Connect
Integrate seamlessly with leading credit bureaus for automated retrieval of credit reports and repayment histories.
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Cred AI closes the loop
Evidence → Analysis → Explanation
Ingest
Evidence
Auto-ingest PDFs/CSVs/images.
Process
Analysis
Clean, normalize, and compute.
Weave
Explanation
Ask “why/what if/how” in natural language.
You can now
AskCred
Pose your queries in natural language and get citable answers
Powered by Weave: Our agent orchestration platform
Arya’s Cred AI vs Others
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Others
Document types: PDF / JSON / ePDF
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Multi-bank / multi-account upload
OCR / AI-based extraction (high accuracy)
Custom keyword management (non-true transaction lists)
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Automatic transaction categorisation
Manual transaction editing in UI
Anomaly/fraud detection
Overdraft detection & CAIS (Experian) enrichment
MCA (Merchant Cash Advance) company detection
Area-Specific Customisations (E.g. HMRC Payments)
Recurring transaction detection
Large transaction
Recurring transaction detection
Loan payment tracking/lender detection
AI-generated narrative / summary
Forecasting Balances
Visual dashboards & charts
SSO / CRM Integration
Outcomes for your teams
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Underwriters
Fewer tabs, faster clarity; focus on edge cases.
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Credit & Risk Leads
Standardized templates, explainable decisions.
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Ops/Compliance
Full audit trails, policy-aligned checklists, and evidence links.
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IT
Easy integrations, SOC-friendly deployment options.
Ready to see your own data in action?
Book a Demo
Frequently Asked Questions
How do you handle poor-quality scans or mixed formats?
Are explanations actually linked to evidence?
Does Cred AI replace our LOS/LMS?
Where does our data live?
How is PII handled?
How does Weave keep answers honest?
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