The Problem
MaxCap’s core value proposition relies on rapid turnaround times and a customer-first ethos. However, evaluating the creditworthiness of SMEs traditionally presents a significant bottleneck. SME financial data is notoriously opaque, often scattered across fragmented bank statements and complicated by non-operational transactions.
To scale its loan portfolio without compromising risk management, MaxCap needed a scalable technology solution to automate bank statement analysis, accurately assess cash flows, and confidently isolate the true revenue of an SME from other transactions.
60%
reduction in turnaround time
98%
straight-through data accuracy
40%
more cases processed per underwriter
We recognise that AI has matured from being a buzzword to a capability engine. We used Arya’s Cred AI as a stepping stone to enter the world of AI, and we’ve solved bottlenecks in not just statement analysis but also lending decisions.
Alex Littner
Chief Executive Officer
The Solution
MaxCap integrated Arya.ai’s Cred AI directly into their CRM, and the platform solved the following:
- Advanced Bank Statement Analysis: Automation of the ingestion and interpretation of bank statements (PDFs and JSONs)
- Granular Cash Flow Visibility: By filtering out anomalies, Cred AI paints an ultra-accurate picture of an SME's day-to-day cash flow.
- Multi-Bank Compatibility: The AI seamlessly processes and cross-references financial statements from multiple banking institutions, accommodating complex business setups.
Cred AI successfully shrank MaxCap's end-to-end credit decision-making time from 2-3 days down to just a couple of hours.
The Deployment Process
The implementation of Cred AI was structured into four specialised modules to ensure a seamless flow of data from onboarding to final credit approval:
Statement Analyser
Module: Automatically filters out internal inter-company transactions.
Isolates and identifies HMRC (Her Majesty's Revenue and Customs) and MCA (Merchant Cash Advance) repayments to protect net margin calculations.
Credit Bureau Data Fusion
Side-by-side integration of Experian’s credit bureau data alongside real-time, statement-level risk signals for a 360-degree risk view.
Decision Engine Integration
Synthesises deep learning insights and pushes them directly into MaxCap’s CRM and decision engine.
Onboarding Module & Sales Portal
Enriches the front-end SME onboarding experience with real-time AI assistance, reducing friction for applicants and sales teams.
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The Results: Transformative Impact on Underwriting Productivity
By replacing manual financial spreading with automated, AI-assisted underwriting, MaxCap achieved exponential operational efficiency and a rapid return on investment.
- Return on Investment: Up to 10x ROI realised through platform efficiency.
- Turnaround Time (TAT): 60% reduction in total loan processing time.
- Underwriter Capacity: 40% more cases processed per underwriter without adding headcount.
- Data Extraction Accuracy: Achieved 98% straight-through data accuracy, minimising manual errors.
Key Takeaways from the Results
- Drastic Velocity Improvements: Moving from a 3-day underwriting cycle to a 2-hour window allowed MaxCap to capture high-intent borrowers before competitors could respond.
- Operational Scalability: Underwriters can now focus on high-value, complex risk mitigation rather than data entry.
- Uncompromised Risk Accuracy: A 98% straight-through accuracy rate ensures that automated data parsing minimises human oversight errors, keeping default risks tightly managed.
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