CreditDecide now supports lenders everywhere — dedicated configurations for the UK, US, Nigeria, South Africa, Kenya & Ghana, plus flexible support for other markets.
Learn moreAI-native underwriting and credit decisioning for modern lenders. Automate applications, configure policies, and make smarter, explainable decisions.
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Designed for leading lenders & fintechs worldwide
Brand names shown for illustrative marketing purposes only and do not imply endorsement or partnership.
The problem
Raw figures and risk signals sit locked inside messy documents legacy tools can't read.
Wrong documents, missing pages, round after round of messaging the borrower to chase what's missing.
Reconciliation and memos written by hand. Hours per file before a single decision.
The solution
Connect credit bureaus and open banking per market — or upload documents. Either way works.
Five risk dimensions — credit, affordability, fraud, data quality, policy — assessed as data arrives, not in batches.
Advisory AI recommendations and an in-context assistant. Your policy stays authoritative.
Download decisions as PDF, CSV, or Word. Every step is traceable to its source evidence.
The continuous underwriting loop
Bring your own data
CreditDecide normalizes provider-specific credit, banking and financial data into a consistent underwriting model.
Example data sources
Global coverage
CreditDecide ships with dedicated configurations for six markets, each with its own currency defaults, regulatory profile, KYC requirements and built-in data providers. Outside those? Pick Others and the platform works for any country — upload documents in any format, set your own policy, and decide in USD.
No local bureau or open-banking provider? No problem. Upload borrower documents in any format, apply your own underwriting policy, and get the same structured risk signals, evidence lineage and explainable decision — priced in USD.
Borrower intake
Publish a branded intake form at /apply/:slug for any market. Borrowers submit their details plus market-specific KYC — NI, SSN, BVN + NIN and more. Each submission creates a verified borrower and a ready-to-underwrite application in your workspace. No API calls, no re-keying.
Creates a borrower + application in your workspace
Policy builder
Add rules, set thresholds, and define outcomes — all without writing code. Your policy is the authoritative decision engine. The AI assists, but your rules decide.
Explainable by design
Every underwriting decision is linked to the policy, risk signals, evidence and source data behind it — and cross-document reconciliation flags inconsistencies automatically.
Decision lineage
Example
Compliance, automated
Every decline or review automatically generates the disclosures and audit trail your regulators expect — derived from the same evidence that informed the decision, not bolted on afterwards.
Market-specific letters addressed to the borrower, naming the credit bureau consulted and stating the applicant's rights.
FCRA-style reason codes mapped from the negative and critical risk signals that drove the decision — capped to the four key factors.
The full decision with every risk signal and its evidence record, so an examiner can trace each figure to its source document.
Supported frameworks
Built for financial data
Legacy decision engines explain nothing. Loan management systems cover breadth but under-invest in decision quality. CreditDecide is the evidence-native underwriting brain — no code, fully auditable, live in hours — across the UK, US, Nigeria, South Africa, Kenya, Ghana and beyond.
No-code policy builder
AI-assisted risk analysis (evidence-graph)
Full evidence lineage (every signal → source)
Automated adverse-action & reason codes
Closed-loop outcome calibration
Batch / portfolio underwriting (CSV)
Multi-jurisdiction policies (6+ markets)
White-label borrower application forms
REST API + webhooks from day one
Setup in hours, not quarters
Competitor names are referenced for illustrative purposes only, based on publicly available product documentation as of 2026. Capability assessments reflect CreditDecide's interpretation and may vary by deployment; readers should verify directly with each vendor.
FAQ
Everything you need to evaluate CreditDecide before you start building.
Still have questions? Talk to our team
Built by a team with experience from
Brand names shown for illustrative marketing purposes only and do not imply endorsement or partnership.
Connect live credit and bank data, or upload your own documents. CreditDecide handles the rest — anywhere in the world, with full evidence lineage.