Services/AI & Intelligence/AI Credit Scoring

AI Credit Scoring

Machine learning-powered creditworthiness assessment

Go beyond traditional credit scores with AI that analyzes 500+ data points. Approve more creditworthy customers, reduce defaults, and make instant decisions with explainable results.

+40%

Approval Rate

More approved applicants

-35%

Default Reduction

Lower default rates

<3s

Decision Speed

Instant decisions

500+

Data Points

Comprehensive analysis

How AI Credit Scoring Works

Advanced machine learning pipeline for accurate credit assessment

1

Data Collection

Gather 500+ data points from multiple sources

2

Feature Engineering

Extract predictive signals from raw data

3

Model Ensemble

Run through multiple ML models simultaneously

4

Risk Calibration

Calibrate scores against historical defaults

5

Explainable Output

Generate score with clear explanations

Scoring Models

Purpose-built models for different use cases

Business Credit Score

Comprehensive business creditworthiness assessment

Data Points

500+

Accuracy

94.7%

Speed

<3 seconds

Cash Flow Score

Predict repayment ability based on cash flow patterns

Data Points

200+

Accuracy

92.3%

Speed

<2 seconds

Alternative Data Score

Score thin-file businesses using non-traditional data

Data Points

800+

Accuracy

89.5%

Speed

<5 seconds

Real-Time Risk Score

Continuous monitoring with instant risk updates

Data Points

Streaming

Accuracy

96.1%

Speed

Real-time

Data Sources & Weights

Comprehensive data analysis for accurate scoring

Financial Data

35%
Bank statementsTax returnsFinancial statementsRevenue data

Payment History

25%
Trade referencesSupplier paymentsUtility paymentsLoan history

Business Metrics

20%
Years in businessEmployee countIndustry sectorGrowth rate

Alternative Data

15%
Online reviewsSocial signalsWeb trafficApp usage

Market Factors

5%
Economic indicatorsIndustry trendsCompetitor analysisRegional data

Fair Lending Compliant

Our AI models are designed to comply with ECOA, FCRA, and fair lending regulations. We don't use protected class proxies and provide full explainability for adverse actions.

ECOA CompliantFCRA CompliantExplainable AIBias TestingAudit Trail

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