CreditDecide is the AI-native platform that takes a borrower from application to explainable decision — visually built policies, market-aware KYC, live data, and decisions you can defend. Built to be the best way consumer lenders underwrite, anywhere in the world.
Consumer credit should move at the speed of the borrower, not the speed of a spreadsheet. CreditDecide gives lenders one connected system to take an application from intake to an explainable decision in minutes — with policies your team controls, data sources configured per market, and every signal traced to its source. We're building the operating system consumer lenders run underwriting on.
White-label intake forms collect applications with market-aware KYC. Live credit bureau and open banking data — or uploaded documents — flow in and are normalized into a single financial profile. Specialist AI agents read, extract and reason over the evidence, generating structured risk signals with full lineage. The policy engine applies your rules, and the platform returns an explainable APPROVE, REVIEW or DECLINE — every step traceable, nothing lost in between.
CreditDecide is built for consumer lenders — personal loan and instalment providers, point-of-sale and microfinance lenders — who need to underwrite borrowers faster and more consistently, with decisions they can stand behind. Whether you're scaling a modern lending operation or replacing a patchwork of spreadsheets and legacy tools, CreditDecide is the system to run underwriting on.
Each market ships with its own credit bureau, open banking provider, KYC, currency and regulatory profile — pre-configured and ready to underwrite.
The CreditDecide operating system covers the whole underwriting pipeline — from borrower intake to explainable decision. Explore each capability in detail.
Your best credit officer's judgment, on every file
Learn moreExplainable APPROVE / REVIEW / DECLINE
Learn moreReads the documents other tools reject
Learn moreA credit signal where the bureau has none
Learn moreA visual, no-code policy builder
Learn moreEvery signal traces to its source
Learn moreEvery borrower, always in the loop
Learn moreChases the paperwork so your team doesn't
Learn moreEvery product in one system
Learn moreCatches missing documents as they are uploaded
Learn moreBring underwriting into your AI assistant
Learn moreCreditDecide speaks MCP — the open standard that lets AI clients like ChatGPT and Claude call your underwriting tools directly. Connect once and your assistant can create applications, analyze risk, run decisions, retrieve evidence and ask the underwriting assistant — all from the same conversation, with every action traceable to source.
Execute the full pipeline — policy, AI memo and the authoritative decision.
Generate structured risk signals, each linked to traceable evidence.
Pull the summary, financial profile, signals, evidence, decision or audit trail.
Question an application's outcome and get an evidence-grounded answer.
Create, list and update loan applications from your assistant.
OAuth-secured, scoped to your organization — your policies stay in control.
The principles that shape every decision the platform makes — and every decision your team makes on it.
Local credit bureaus, open banking providers and KYC configured per market — out of the box, no engineering.
A visual policy builder, white-label intake forms and live data connections — powerful underwriting without writing code.
Every decision traces back to its source through a full evidence graph — defensible to auditors, regulators and borrowers.
An orchestrator of specialist agents reads, normalizes and reasons over your data — documents into decisions in minutes.
Automate intake to decision in one flow — underwrite more borrowers, faster, with the same standard every time.
Borrower intake, data sources, risk signals, policy and reporting live together — no stitching tools, no blind spots.
See how CreditDecide turns application intake into explainable decisions — for any market, any product.