Automated underwriting system
AI risk model fuses 10+ sources into one defensible score. Hard rules for OFAC, public-company filers and DSCR.
AI credit decisioning that pulls OFAC, SAM, SEC, court records and bank statements — and returns a defensible risk score in under 60 seconds.
20-min demo · No credit card · SOC 2-ready
Trusted by underwriting teams cutting decisions from 4 hours to 3 minutes
The average SMB lender loses 22% of viable deals to slow decisioning. Underwriting automation flips that math.
From 4 hours of manual research to under 60 seconds — no shortcuts on compliance.
DSCR, NSF rate, revenue trend and 7 hard rules — every score is auditable.
Live SDN, SAM and FinCEN screening on every applicant, every time.
Pipe in your existing form, paste an EIN, or import from your LOS. No data migration required.
OFAC, SAM, SEC EDGAR, FinCEN MSB, CourtListener, OpenCorporates and bank statements — all in parallel.
10+ signals fused into one score with hard rules: DSCR < 1.0 caps to high risk, public filer fast-approves.
Approve, decline or counter with one click. Every decision is timestamped, scored and exportable.
Credit underwriting software, KYB platform, bank-statement analysis and OFAC screening — unified into one workflow.
AI risk model fuses 10+ sources into one defensible score. Hard rules for OFAC, public-company filers and DSCR.
Auto-computed DSCR, NSF rate, revenue trend and ending-balance volatility from uploaded PDFs or CSVs.
Live screening against SDN, SAM.gov exclusion records and FinCEN MSB on every application.
Entity verification via SEC EDGAR, OpenCorporates and Secretary-of-State data — flags shell companies and recent formations.
CourtListener federal litigation, judgments and bankruptcy filings linked to the legal name or principals.
Tax returns, articles of incorporation and voided checks parsed into structured fields with red-flag detection.
OFAC hit → decline. Public filer → fast approve. DSCR < 1.0 on a $50K+ loan → high risk. Fully transparent.
Every analyst decision is compared to the AI recommendation. Track match rate, false approvals and false declines.
Whether you fund merchant cash advances, originate SBA 7(a) loans, or finance equipment — RiskDecision adapts to your underwriting box.
Decision MCA submissions in under a minute, with NSF and DSCR sized to the holdback.
Pre-screen 7(a) applicants for compliance before manual underwriting.
Score iron-clad collateral deals with light-touch KYB and bank-statement checks.
Augment your loan committee with explainable AI — every decision has a paper trail.
Pre-qualify deals before sending to funders — close more, get fewer declines.
Most teams pay for RiskDecision in the first 30 days. Move the sliders to see your monthly savings.
≈ 588 analyst hours back per month
Per-decision pricing · no setup fees · no per-seat
| Manual | Legacy LOS | RiskDecision | |
|---|---|---|---|
| Avg decision time | 4 hours | 45 min | 60 seconds |
| OFAC / SAM screening | |||
| Bank statement DSCR / NSF | |||
| Document AI extraction | |||
| Hard rules + AI scoring | |||
| Full audit trail | manual | ||
| Time to onboard | — | 8–12 weeks | 1 afternoon |
| Per-decision pricing | — |
See how RiskDecision scores one of your own deals in a live 20-minute demo.
20-min demo · No credit card · Live in one afternoon