3-5 day credit analysis. Now same-day.
Applications processed, documents classified, financials extracted, risk scored by ML. 30-40% auto-approved. Underwriter productivity 2-4x.
Credit decisions take days. Volume can't scale.
Manual credit analysis takes 3-5 days per application. Risk assessment inconsistent across analysts. High-volume periods create dangerous backlogs.
We process applications, extract financials, and score risk automatically.
Process. Score. Decide.
Application arrives
Multi-channel intake captures applications automatically.
AI processes documents
Financial documents classified, metrics extracted, risk scored.
Decision delivered
30-40% auto-approved. Rest recommended with supporting analysis.
Results
| Before | After |
|---|---|
| Underwriting time: 3-5 days | Same-day for qualifying |
| Auto-approval: None | 30-40% straight-through |
| Underwriter capacity: Bottleneck | 2-4x throughput |
Technology
Tech stack
Build time
8-10 weeks
What our clients say
"Working with Ability.ai helped us streamline parts of our customer support and community management. Their automation tools saved our team time and made our processes more efficient."
Boiko Dmytro
COO
HOLYWATER
"Omg this is insane what you've done with the MVP without much direction from me. I appreciate the depth of your work and see so much long term work together."
Erik
NutraDirect
"From day one, Ability.ai brought a thoughtful, results-first approach to our partnership. They quickly understood our goals, proposed pragmatic solutions, and moved implementation forward with minimal friction. Their responsiveness and domain expertise have improved both our team’s efficiency and the impact of our campaigns."
Mike Rizzo
VP Sales
MarketingOps
Ready to get started?
Book a strategy call. We will scope your project in 30 minutes.
How we get there
Discovery call
30-minute conversation to understand your pain points and current workflow.
Scoping & proposal
We define the deliverables, timeline, and fixed cost for your starter project.
Build & iterate
We build, test, and refine with your team. You see progress every week.
Handover & scale
You own the system. No subscriptions. Scale to more solutions when ready.
Fixed-cost starter project. No platform fees. You own everything.
Questions about credit underwriting
How does ML risk scoring work?
Models trained on historical credit performance data (defaults, payment patterns, financial ratios). AI learns what predicts good vs. risky credits specific to your lending criteria.
What documents can it process?
Tax returns (1040, 1120, 1065), bank statements, P&L, balance sheets, credit reports. OCR handles scanned and digital documents.
What's the ROI?
Lending teams typically see 2-4x underwriter productivity (more volume, same headcount) and 50-70% operational cost reduction. For 500 applications/month at $50 cost per app, that's $150K-$210K/year savings. Plus faster decisions improve conversion by 15-20%. ROI: 300-500% in year one.
How long does implementation take?
8-10 weeks from kickoff to production. Week 1-3: Data integrations (credit bureaus, LOS). Week 4-6: ML model training on historical data. Week 7-10: Testing and validation.
Do we own the system?
Yes. No platform fees. We build the infrastructure in your stack, hand over the keys, and you own it forever.