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What inputs are supported?
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AI-powered Credit Risk assessment
AI-powered underwriting suite for SME lenders
Cred AI automates data ingestion and provides a clear rationale for every decision,
enabling you to approve SME loans faster and with greater confidence.
enabling you to approve SME loans faster and with greater confidence.
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 surface creditworthiness defining insights: credit vs. debit splits, cash-flow health, balance trends, instances of large withdrawals, and fraud flags.
Interactive analysis (Powered by Weave)
Get immediate, data-rooted answers to questions such as “What explains the dip in May?” “Which inflows look unusual?”
Disciplined underwriting
Automated underwriting standardizes processes and delivers a clear rationale for reviews.
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Success Stories from Global Enterprises
A UK-based SME lender achieved 300% productivity growth with Cred AI
Features that power Cred AI
True revenue breakdown
Zero in on the true revenue by omitting transactions that falsely inflate or distort real income patterns.
AI-powered case summary
Get case summaries for each case that distill the crucial information in narrative-driven paragraphs and actionable bullet points.
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Balance forecasting
Predict future cash positions based on historical inflows, outflows, and seasonality trends.
Credit bureaus data
Integrate seamlessly with leading credit bureaus for automated retrieval of credit reports and history.
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 SME underwriting workflow on one platform?
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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