End-to-End Intelligent Infrastructure for SME Lending
SME lending is stitched together from disconnected tools. Sourcing, credit assessment, financial spreading, and credit paper generation each live in different systems, forcing manual re-keying and slowing every decision.
Credit assessment leans on self-reported information and static bureau data, while open banking and document-level detail go underused - leaving risk mispriced and good borrowers turned away.
Monitoring is periodic and backward-looking. Early warning signs, covenant breaches, and collections triggers surface too late, and IFRS 9 provisioning becomes a quarterly scramble.
Capture. Interpret. Quantify. Report.
Capture
Borrower sourcing and lead generation feed a single pipeline. Open banking integration and document ingestion pull in verified financial detail automatically - no manual data entry.
Interpret
Automated screening and filtering plus over 100 custom AI models per assessment perform financial spreading and cross-source verification across term loans, invoice finance, asset finance, and trade lending.
Quantify
Every borrower receives a Business Credit Rating, and credit papers are auto-generated - turning days of analyst work into a consistent, reviewable output in minutes.
Report
Always-on portfolio monitoring with an early warning system, covenant tracking, collections and recovery workflow, and regulatory reporting keeps the book healthy and IFRS 9 provisioning current.
Business Credit Rating (BCR)
The BCR is a market-calibrated credit rating that combines open banking data, financial spreading, and document-level signals into a single, granular score. It powers faster, more consistent lending decisions and continuous, forward-looking portfolio risk intelligence.