Company
Company identity, beneficial owners, financial statements and existing obligations.
AI Credit OS
Turn business activity into a credit record that can be assessed.
Finanzer’s AI Credit OS is designed to connect business data, evidence checks, credit assessment and recovery planning. Reviewers can trace a finding to its source and resolve exceptions before a decision.
Start with the business behind the transaction.
Different records answer different credit questions. Permission and provenance need to travel with the data.
Cash
Bank transactions, processor records, settlement flows and balances.
Commercial
Invoices, purchase orders, contracts, buyers and suppliers.
Operations
Inventory, shipment, delivery, refunds and disputes.
Relationships
Counterparties, connected businesses and previous repayment behaviour.
A document check should answer a credit question.
Match quantities, buyer references and delivery records. Flag duplicate evidence, changed beneficiaries and inconsistencies that need investigation.
A flag is a reason to review the record. It is not proof of fraud or a credit decision.
Assess repayment and the consequence of default.
The model design covers cash-flow capacity, expected losses and the practical route to recovery. Model validation and approved policy determine what can be used in a decision.
Credit assessment
Consider probability of default, cash-flow coverage, existing obligations, limit and duration.
Recovery assessment
Consider enforceability, collateral, disputes, recovery costs and time to resolution.
Decision authority
Authorised credit officers own exceptions, overrides and the decision record.
Match the opportunity to the capital prepared to fund it.
The Capital Router is designed to compare currency, duration, jurisdiction, lender mandate, capacity, cost and required protection.
It should return a route that can be executed under agreed terms. A low headline price alone does not make a route suitable.
Explore Capital NetworkDecision authority follows the relevant credit policy and mandate. AI prepares checks and assessments; authorised reviewers handle exceptions and overrides.
Validated performance evidence and model documentation have not been supplied for publication. We can discuss the intended methodology and review controls.
Bring a credit workflow to the table.
Walk us through the evidence your team reviews, the exceptions it handles and who holds decision authority.