Agentic Credit Intelligence
A 24/7 virtual RM for your entire MSME book.
An always-on analysis engine that reads cashflow to find new lending opportunities, grow healthy accounts, and flag risk early. It recommends, your team approves. Descriptive intelligence, not a credit score, with no change to your credit framework.
Portfolio cockpit
12,480 SMEs monitored
Recommended action per segment
Small teams cannot watch every account, so growth and risk slip through.
RMs cover a fraction of the book. Healthy SMEs that could borrow more go unnoticed, and deterioration shows up in the NPL report, not before.
Manual portfolio management
- RMs cover only a fraction of the book
- Growth-ready SMEs go unnoticed
- Risk surfaces in the NPL report, too late
- No time to read cashflow at scale
- Outreach is reactive and ad hoc
Agentic Credit Intelligence
- Every account watched, 24/7
- Opportunity signals surface growth
- Early-warning signals flag risk first
- An engine reads every account continuously
- Next best action, queued for approval
Virtual RM
Your whole book, triaged into grow, watch, and act.
A 24/7 virtual RM reads cashflow and signals across every SME and sorts your book into grow, watch, and act now, with a recommended next action for each. It surfaces the move; your team approves it. Descriptive intelligence, not a credit score, and it changes nothing in your credit framework.
- Grow, watch, and act now, refreshed continuously
- A recommended action per account, you approve
- Not a score: can optionally feed Credit Decisioning
Your book, triaged 24/7
liveIt recommends. You approve. Not a credit score, no framework change.
Cashflow Pulse
An AI accountant reading every account.
Reconstructs each SME's financial reality from raw bank data: merges statements across banks, classifies every transaction, and produces live business-health signals.
- Reconcile and classify across banks
- Liquidity, concentration, payroll regularity
- Descriptive analysis, not a credit score
Cashflow Pulse
analysis, not a scoreReconciled across 3 banks · classified
Signals & early warning
Catch growth and risk before the report does.
Opportunity signals on healthy accounts and early-warning signals on stressed ones, at a cadence you configure per segment and data source.
- POS spikes, higher VAT filings, strong repayment
- Payment delays, covenant breaches, deteriorating cashflow
- Daily, weekly, or event-based monitoring
Opportunity
Early warning
Cadence configurable per segment and data source.
Next best action
It recommends. Your team approves.
Targets new pre-qualified leads, recommends upsell on healthy accounts, and triggers early remediation on stressed ones. Agents prepare the work; humans decide.
- Pre-qualified leads pushed into LOS
- Top-ups and limit increases where capacity shows
- Early outreach and restructuring on risk
Next best action
Agents draft the memo or message. Your team approves.
Signature capability: Cashflow Pulse
An AI accountant reading every account.
Cashflow Pulse reconstructs each SME's financial reality from raw bank data. It merges and reconciles statements across banks, classifies every transaction, and produces live business-health signals. Bank data in, business truth out.
Reconcile across banks
Merges and reconciles statements across banks and classifies every transaction: payroll, rent, POS sales, supplier and government payments, financing.
Live business-health signals
Cash-based revenue, liquidity, customer and supplier concentration, payroll regularity, seasonality, and anomalies. Descriptive analysis, not a credit score.
Fraud and anomaly detection
Hidden accounts, intercompany transfers, end-of-month spikes, document tampering, and VAT-to-bank gaps, available as signals to your team and optionally to Credit Decisioning.
Dual-motion lead sourcing
Find your next SME borrower, two ways.
Agentic Credit Intelligence reads signals you already hold to surface lending opportunities, both inside your book and beyond it, and pushes pre-qualified leads into origination.
Motion 1 · Inside-out
Mine your existing book.
Surface non-borrowing relationships ready to convert and pre-qualify them at zero RM cost, from utility settlement patterns, VAT cadence, supplier payments, and payroll volume you already hold.
Motion 2 · Outside-in
Reach SMEs banking elsewhere.
Spot clients whose POS sits at competitor acquirers or whose salary deposits route out, then propose migration with embedded financing.
Capabilities
Grow the book and manage risk, with no framework change.
Cashflow and data analysis engine
Descriptive analysis across the whole book, not a default model.
Opportunity and early-warning signals
Surface growth and catch deterioration across every account.
Next best action
New-lead targeting, upsell and growth, and risk remediation.
Portfolio cockpit
Prioritized grow, watch, and act-now lists with a recommended action per SME.
Recommends, you approve
Human-in-the-loop throughout. Agents prepare, your team decides.
No framework change required
Layers on top of your existing credit framework with no change.
Frequently asked questions
No. The analysis engine, including Cashflow Pulse, produces descriptive analysis of each SME's financial reality. It powers targeting, growth, and remediation. It is not a default model or a credit score.