01
Edge Ingestion
Module 1
Ingest 3 years of audited financial statements, tax filings, and bank statements.
Use Case 13 · Banking, Finance & Insurance
Autonomous B2B Commercial Loan Underwriting
Automated extraction, financial ratio calculation, and credit memo drafting for enterprise borrowers.
Customer need & pain point
The problem this replaces.
- Commercial credit approvals take 3–4 weeks, leading to lost deal flow to nimble fintechs.
Step-by-step execution
How the engine executes it.
02
Model Processing
Module 3
Standardize balance sheet fields and calculate liquidity/debt-service ratios using local model execution.
03
Geo-Spatial Intelligence
Module 1 & 3
Benchmark company metrics against regional trade sector averages using geo-spatial registry feeds.
04
Agentic AI Activation
Module 4
Generate a 12-page credit memo complete with risk sensitivity matrices for loan committee review.
Quantifiable ROI & impact
What changes commercially.
- Credit turnaround reduced from 21 days to 6 hours
- 24% increase in booked loan volume
The “aha” moment
“We win enterprise deals by delivering binding credit decisions while competitors are still reviewing balance sheets.”