01 / KYC
Verify the person.
Confirm the applicant’s identity with document checks, a live selfie, and face matching.
- ID document verification
- Liveness detection
- Selfie-to-ID matching
AI Underwriter
Every file the same rigor.Every memo drafted in seconds.Every decision yours to sign.
Draft memo · file-2026-04-1162Pending review
Verde Logística S.A. de C.V.Trucking · CDMX
Recommendation · ApproveMXN0.0M
Term0 mo
Rate0.0% APR
Operating cash flowTrailing 12 months · MXNMXN 0.0M / yr1
DSCR · Base casePASS
0.00×11.00×Policy min 1.20×1.60×
DSCR · -15% stressWATCH
0.00×11.00×Policy min 1.20×1.60×
Operating marginPASS
0.0%20%Sector med 12%25%
ConcentrationFLAG
0%30%Policy max 50%100%
Draft memo · file-2026-04-1162Pending review
Verde Logística S.A. de C.V.Trucking · CDMX
Recommendation · ApproveMXN0.0M
Term0 mo
Rate0.0% APR
Operating cash flowTrailing 12 months · MXNMXN 0.0M / yr1
DSCR · Base casePASS
0.00×11.00×Policy min 1.20×1.60×
DSCR · -15% stressWATCH
0.00×11.00×Policy min 1.20×1.60×
Operating marginPASS
0.0%20%Sector med 12%25%
ConcentrationFLAG
0%30%Policy max 50%100%
Credit assessment breaks at scale.
01
Inconsistent decisions
Different analysts apply different standards, and portfolio risk compounds.
02
Generic models don't fit your book
Off-the-shelf scores miss the signals that actually predict repayment in your portfolio.
03
No feedback loop
Your underwriting logic never learns from the outcomes you generate.
04
Speed vs. quality tradeoff
Scaling volume means more analysts or lower-quality decisions.
Underwrite anyone in minutes.
Spread Financials
Pulls statements, GLs, and bank data into a normalized period-over-period spread. DSCR, margin, debt service, trend, all computed in one pass.
Financial spread · 73 statementsNormalized
Q1 2025Operating cash flow · trailing 24 moQ2 2026
DSCR · base case0.00×
Operating margin0.0%
Debt serviceMXN 0.0M / yr
Read the story behind the numbers
Picks up what the spread alone won't tell you: concentration risk, moving margins, what a late filing implies.
Narrative read · Verde Logística0 / 4 findings
Top two clients drive 61% of receiptsNoted
Top 2 clients · 61%Others · 39%
Margins holding at 14.6% across 24 months14.6%
One late SAT filing in Q2 2025, since curedCured
Arrears clean across BBVA and SantanderBBVASantander
Checked against your policy
Every file is held against your encoded credit policy, and anything outside it is flagged, never waved through.
Policy checkSME Term Loan · MX-2026-Q2
0/6Pass
DSCR ≥ 1.251.42
30-day arrears = 0Yes
Tax compliance currentYes
Operating tenure ≥ 24 mo8.2 yr
Margin ≥ 8%14.6%
Concentration < 50%61%
Draft the memo
The memo a senior analyst would write, every claim cited to its source line, ready for your underwriter to sign.
Draft memo · file-2026-04-1162Pending review
Verde Logística S.A. de C.V.Trucking · CDMX
Recommendation · ApproveMXN0.0M
Term0 mo
Rate0.0% APR
Operating cash flowTrailing 12 months · MXNMXN 0.0M / yr1
DSCR · Base casePASS
0.00×11.00×Policy min 1.20×1.60×
DSCR · -15% stressWATCH
0.00×11.00×Policy min 1.20×1.60×
Operating marginPASS
0.0%20%Sector med 12%25%
ConcentrationFLAG
0%30%Policy max 50%100%
Identity & risk verificationKnow who's behind
Know who's behind
every application.
Verify the borrower. Understand the business. Surface risk before the decision. KYC, KYB, and AML checks, connected to your underwriting file.
02 / KYB
Know the business.
Check company records and understand the ownership structure behind every business borrower.
- Company registry checks
- Ownership structure
- Beneficial owner verification
03 / AML
Surface hidden risk.
Screen applicants and owners for potential matches that need your team’s attention.
- Sanctions screening
- Politically exposed persons
- Adverse media screening
Verification summary · Illustrative file
Verde Logística S.A. de C.V.
KYC · Applicant
Identity verified
KYB · Business
Ownership checked
AML · Screening
Potential match to review
Findings and supporting evidence stay with the file. Your team makes the decision.
The non-negotiables.
01
Cited to source
Every figure links to the document line that produced it.
02
Calibrated to your policy
Your thresholds and required checks, encoded once, applied always.
03
Learns from your outcomes
Every repayment and default sharpens the next recommendation.
04
Your underwriter signs
The AI drafts and explains. A human makes every decision.
05
Wires into your stack
API-first. Integrates into your existing LOS, credit engine, or custom workflow.