CreditDecide reads messy documents, normalizes the data, scores the risk, and writes an explainable credit memo — every signal traced to its source. Your policies set the rules. Your team makes the call.
Bank statements, payslips, credit report, proof of address
Underwriting infrastructure for consumer lenders
The problem
Raw figures and hundreds of risk signals sit locked inside messy documents legacy tools can't read.
Wrong documents, missing pages, round after round of messaging the borrower to chase what's missing.
Reconciliation and memos written by hand. Hours per file before a single decision.
The solution
Connect credit bureaus and open banking per market — or upload documents. Either way works.
Five risk dimensions — credit, affordability, fraud, data quality, policy — assessed as data arrives, not in batches.
AI assists with analysis and explanations. Your policies govern outcomes, and authorised people handle exceptions.
Download decisions as PDF, CSV, or Word. Every step is traceable to its source evidence.
The AI underwriting stack
Your most tenured credit officer can open a borrower file and see in minutes where it is weak. AI Underwriter brings that judgment to every file, against your own credit policy. It reads whatever the borrower sends, pulls in external data, and hands your team a credit memo with every number traced to its source.
Your best credit officer's judgment, on every file.
Reads the whole file — from tax returns to a photographed ledger — plus bank and external data. Spreads the financials, tests them against your credit policy, and drafts the memo. Every figure links to the page it came from. Your credit officer makes the call.
Chases the paperwork so your team doesn't.
Messages each borrower the minute they apply — on WhatsApp, SMS or email, in their own language. Asks for the exact documents the loan needs and keeps following up until the file is complete. When a borrower replies, it auto-extracts the document, re-runs the decision, and pings your team in-app — so the loop closes without anyone chasing.
A credit signal where the bureau has none.
Built for high-volume consumer lending in thin-file markets. Scores repayment risk from the documents a borrower uploads and how they submit them. Feeds your existing model as one more input.
Backtest · 8,000 microloans — riskiest tenth defaults 2.2× the safest. Bureau alone is flat.
Reads the documents other tools reject.
Crumpled payslips, e-wallet screenshots, scanned bank statements. Capture extracts every field, then checks the document itself for edits, forgery and numbers that do not agree.
The credit supply chain
Global coverage
Configure your own lending policies, identity requirements, currencies, and data providers — with the same structured risk signals, evidence lineage and explainable decision in every currency.
Upload borrower documents in any format — no local bureau or open-banking provider required.
Decide in your local currency or USD. Set currency defaults per product and market.
Configure underwriting rules and identity requirements to match each market you serve.
Connect the credit bureaus and open-banking providers you already use, or upload documents.
Borrower intake
Publish a branded intake form at /apply/:slug for any market. Borrowers submit their details plus market-specific KYC — NI, SSN, BVN + NIN and more. Each submission creates a verified borrower and a ready-to-underwrite application in your workspace. No API calls, no re-keying.
Creates a borrower + application in your workspace
Borrower collaboration
When you need more, the borrower gets an email and uploads through a branded secure portal. CreditDecide extracts the data, re-runs the decision, and pings your team in-app — so nothing stalls, nothing gets re-keyed, and nothing slips through.
"Received — we've re-evaluated your application and notified your lender."
CreditDecide MCP
Connect compatible AI assistants to CreditDecide to retrieve authorised lending data, analyse applications, explore supporting evidence and interact with underwriting workflows — with permissions, policy controls and auditability. CreditDecide keeps enforcing your lender policies, permissions and decision controls; the assistant works within them, never around them.
https://creditdecide.com/api/mcpRetrieve authorised lending data, analyse applications and explore supporting evidence — all through a secure MCP server.
CreditDecide enforces your lender policies, roles and decision controls. The assistant works within them — never around them.
Every action is org-scoped, role-checked and recorded in the audit trail. Point any MCP-compatible client at one URL.
Policy builder
Add rules, set thresholds, and define outcomes — all without writing code. Your policy is the authoritative decision engine. The AI assists, but your rules decide.
Explainable by design
Every underwriting decision is linked to the policy, risk signals, evidence and source data behind it — and cross-document reconciliation flags inconsistencies automatically.
Decision lineage
Example
Compliance, automated
Generate decision records, reason codes, and configurable disclosures from the evidence behind each assessment — derived from the same data that informed the decision, not bolted on afterwards.
Market-specific letters addressed to the borrower, naming the credit bureau consulted and stating the applicant's rights.
FCRA-style reason codes mapped from the negative and critical risk signals that drove the decision — capped to the four key factors.
The full decision with every risk signal and its evidence record, so an examiner can trace each figure to its source document.
Built for any jurisdiction
Adverse-action notices, reason codes and audit exports are generated from the evidence graph — configurable to whatever consumer-credit framework your regulators require, in any country.
Built for financial data
One evidence-native platform — no code, fully auditable, live in hours — for consumer lenders in any market, worldwide.
Add rules, set thresholds and define APPROVE / REVIEW / DECLINE outcomes visually — no engineering required.
An evidence-graph underwriter turns credit, banking and document data into structured, explainable risk signals.
Every signal traces back to its source field, so any decision can be explained down to the document line.
Declines and reviews generate the disclosures and reason codes your regulators expect, straight from the evidence.
Record loan outcomes and compare them against predicted default to keep your models honest over time.
Upload a CSV of applicants and underwrite the whole portfolio concurrently, with per-application results.
Run different policies per product and market from one workspace, with versioning that never overwrites a live version.
Publish branded intake forms that collect KYC and documents, and drop straight into your underwriting pipeline.
Embed underwriting into your own product with a clean API, or listen for decisions via webhooks as they happen.
Connect your data, configure your policy and return decisions the same day — no lengthy implementation project.
FAQ
Everything you need to evaluate CreditDecide before you start building.
Still have questions? Talk to our team
Connect live credit and bank data, or upload your own documents. CreditDecide handles the rest — for personal loans, instalment and point-of-sale, with full evidence lineage.