Established Lenders

We help lenders of all sizes grow profitability

Improve lending performance at scale.

Leverage the latest advances in credit analytics without capital investment or build time.

Scale Lending Performance with AI

Our pay-as-you-go model allows lenders to cost-effectively scale. With increased accuracy and speed from Underwrite.ai, experience enhanced lending performance and opportunities.

Proven Results

We have the track record to prove it. We began working in May of 2015 with a major online installment lender whose first payment default rate (FPD) was 32.8%, and overall defaults were in excess of 60%. By implementing our AI underwriting algorithm as their sole underwriting methodology, we reduced their FPD rate month over month.

More importantly, we saw a default rate of only 8.5% for the first three payments — in a sector where FPD rates average 35%.

How It Works

Our credit risk models analyze thousands of applicant variables using nonlinear machine learning. Unlike traditional scorecards that rely on a handful of factors, our models capture complex interactions between variables that linear approaches miss. Every decision is fully explainable and compliant with fair lending regulations.

Decisions are delivered via API in under half a millisecond, enabling you to replace slow manual processes with automated underwriting that scales without increasing headcount. Start your free trial.