Automate the Riskiest Part of Underwriting
Instead of loan officers spending hours manually verifying PDFs and bank statements, Credit Lenses automates the riskiest and most tedious part of underwriting. It provides Clarity from Chaos, enabling lenders to approve loans faster and more safely.
Reduce Manual Work
Eliminate hours of manual bank statement review. Our AI processes thousands of transactions in seconds, freeing your team to focus on decision-making.
Improve Accuracy
Human error in transaction categorisation leads to missed risk signals. Credit Lenses catches hidden liabilities like undisclosed BNPL usage and gambling patterns with precision.
Approve with Confidence
Make faster, safer lending decisions backed by a structured risk profile. Reduce default rates while increasing approval speed by up to 10x.
The Problem
Why Traditional Underwriting Fails
Slow & Labour-Intensive
Loan officers spend 2–4 hours per applicant manually reviewing bank statements, cross-referencing PDFs, and categorising transactions in spreadsheets. This bottleneck delays approvals and frustrates borrowers.
Inconsistent Results
Different analysts categorise the same transaction differently. One may flag a recurring payment as a subscription, another as a loan repayment. This inconsistency introduces risk into the credit decision.
Hidden Liabilities Go Undetected
Buy-Now-Pay-Later commitments, undisclosed gambling spend, and payday loan cycles are nearly impossible to spot manually across thousands of transaction rows. These hidden risks lead to higher default rates.
Fraud Slips Through
Synthetic income, round-tripping, and staged deposits are sophisticated fraud techniques that manual review simply cannot catch at scale. By the time fraud is detected, the loan has already settled.
By the Numbers
Measurable Impact
10x
Faster underwriting decisions
85%
Reduction in manual review time
3x
More hidden liabilities detected
40%
Lower default rates for early adopters
Comparison
Credit Lenses vs. Manual Review
| Capability | Manual Review | Credit Lenses |
|---|---|---|
| Processing time | 2–4 hours | < 5 seconds |
| Categorisation accuracy | ~70–80% | 99.2% |
| BNPL detection | Often missed | Automatic flagging |
| Gambling detection | Rarely checked | Pattern analysis |
| Fraud indicators | Limited | Synthetic income & round-tripping detection |
| Scalability | Linear (more staff needed) | Unlimited concurrent requests |