Small and Midsize Business

Smarter Credit Decisions for SMB Lending

Small and midsize business lending requires evaluating both the business itself and personal guarantors — a complex, time-consuming process when done manually. Underwrite.ai's nonlinear credit risk models analyze thousands of data points simultaneously, delivering comprehensive risk assessments in milliseconds.

Blended Credit Assessment

Our blended credit assessment reports evaluate both business creditworthiness and personal guarantor strength in a single integrated assessment. This process, which typically takes SMB lenders days or weeks, is completed in seconds.

Expand Your Lending Portfolio

Many SMB borrowers have limited credit history. Our models go beyond traditional scores to evaluate alternative data sources, enabling you to safely approve more applications. Our models have shown up to 50% of thin-file applicants perform at the level of prime borrowers.

With no setup fees, no monthly minimums, and a pay-per-transaction model, Underwrite.ai makes advanced AI underwriting accessible to lenders of all sizes. Start your free 30-day trial.