Underwrite.ai Now Offering Blended Credit Assessment Reports for Complete Business & Personal Guarantee Analysis in One Report

September 15, 2025 - North Reading, MA - Underwrite.ai, the leader in nonlinear, dynamic credit risk modeling, announced today its new product, a blended credit assessment report designed to transform SMB lending decisions with AI-powered comprehensive credit analysis. The report evaluates both the business and personal guarantor and provides an analysis in seconds, a process that typically takes SMB lenders days or weeks.

The AI-powered report analyzes both business creditworthiness and personal guarantor strength simultaneously, delivering:

• Comprehensive Risk Assessment: From "High Risk" to "Low Risk" with clear explanations
• Dual Analysis: Business credit metrics paired with personal guarantee evaluation
• Actionable Recommendations: Specific credit limits, terms, and monitoring requirements
• Risk Mitigation Insights: How personal guarantees offset business credit concerns
• Clear Documentation: Required documents and legal considerations outlined

“SMB lenders know that evaluating small business credit often requires looking beyond the business itself. Personal guarantees can make the difference between a ‘no’ and a ‘yes’. However, analyzing both business and personal credit separately is time-consuming and can miss crucial connections,” said Marc Stein, CEO & Founder of Underwrite.ai. “Our AI-powered platform now delivers comprehensive blended credit reports that analyze both business creditworthiness and personal guarantor strength in one integrated assessment.”

Pricing : $100 per blended report (up to 2 guarantors) and $10 for each additional guarantor

Availability :  Underwrite.ai SMB Report is available now. Interested businesses can sign up here.

For over ten years, Underwrite.ai has been helping businesses maximize their profit through automation and artificial intelligence. Its nonlinear, dynamic approach to credit risk modeling improves predictive outcomes and radically outperforms traditional approaches. UAI proprietary algorithms take a more sophisticated credit risk modeling approach by evaluating thousands of applicant details, the past performance of your loans, and the expertise of your underwriters to return a decision in milliseconds. 

The Underwrite.ai SMB report will allow clients to more efficiently and effectively assess SMB loans. The new offering goes beyond basic business credit reports, it's a comprehensive lending decision tool that helps lenders say "yes" more often while managing risk effectively.

About Underwrite.ai

Underwrite.ai applies advances in AI derived from genomics and particle physics to provide lenders with nonlinear, dynamic credit risk modeling that radically outperforms traditional approaches.

The inception of Underwrite.ai traces back to the medical field, where founder Marc Stein worked on correlating DNA microarray data with the probability of prostate cancer. The success of this project sparked the idea to apply these sophisticated algorithms to other domains, particularly consumer and small business lending. Just as nonlinear approaches have transformed medical diagnostics, they have the potential to revolutionize credit modeling by providing more accurate, dynamic assessments of risk.

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