JUDI.AI

There has never been a better time to redefine small business lending. JUDI.AI looks at small- to medium- sized business (SMB) lending as an analytics business that is only as good as the data and machine learning models applied to it. We provide credit unions and community banks with a SaaS-based SMB lending analytics platform designed to help them:

•     Automate: Take the small business loan underwriting process down from 4 weeks to 4 minutes, and increase the number of loans processed by 40%.
•     Loan more with less risk: Unlock more data sources to make models more accurate and small business lending less risky – resulting in 30-50% less risk of loans defaulting over traditional consumer credit scores alone.
•     Grow new and existing SMB relationships: Offer the business insights and trusted advice that SMBs need to grow their businesses.

What distinguishes JUDI.AI from other lending technology providers is the growing number of data variables and adaptive machine learning that powers our SMB-specific credit risk assessment model – our credit science is based on more than $1 Billion of applications analyzed. Also unique to JUDI.AI is the real-time review of cashflow conducted for every loan applicant, both pre- and post- funding. Transactions such as withdrawals, transfers, recurring payments and other debt/credit payments can be reviewed on a month-by-month basis, to help both the small business owner and the financial lender keep a finger on the pulse of a business. The use of the JUDI.AI proprietary transaction categorization engine means credit unions and community banks can:

•     Automatically construct a “synthetic” SMB income statement and review financial history faster (and more often) than annually.
•     Continuously monitor financial cashflow metrics and be alerted to predictive success and predictive risk indicators such as debt service coverage ratios, negative account balance trends, operating debit trends, new line of credit payments or NSF transactions.
•     Move from being an SMB “account manager” to an SMB “account advisor” that proactively offers advice and expands service offerings to help customers grow their businesses.

The result is small business lending redefined as fast, less risky and more profitable for everyone. JUDI.AI pledges 1% of our equity, revenue, time and product to not-for-profits of our customers' choice.