{
  "version": "https://jsonfeed.org/version/1.1",
  "title": "CrediArc Insights",
  "home_page_url": "https://crediarc.com/blog/",
  "feed_url": "https://crediarc.com/feed.json",
  "language": "en-US",
  "authors": [
    {
      "name": "Shimon Azar",
      "url": "https://crediarc.com/about/"
    }
  ],
  "items": [
    {
      "id": "https://crediarc.com/research/smb-underwriting-benchmark/",
      "url": "https://crediarc.com/research/smb-underwriting-benchmark/",
      "title": "The SMB Underwriting Operations Benchmark",
      "summary": "Join CrediArc's SMB underwriting operations benchmark and compare decision time, analyst effort, completeness, exceptions, rework, and monitoring coverage.",
      "date_published": "2026-07-22T12:00:00Z",
      "date_modified": "2026-07-25T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "underwriting",
        "operations",
        "benchmark"
      ]
    },
    {
      "id": "https://crediarc.com/blog/credit-operating-model-board-level-control/",
      "url": "https://crediarc.com/blog/credit-operating-model-board-level-control/",
      "title": "The Credit Operating Model Is Now a Board-Level Control Question",
      "summary": "Why fragmented credit processes create governance risk—and the operating questions executive teams should ask before approving transformation.",
      "date_published": "2026-07-25T12:00:00Z",
      "date_modified": "2026-07-25T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "credit",
        "operating",
        "model",
        "board",
        "level",
        "control",
        "question"
      ]
    },
    {
      "id": "https://crediarc.com/blog/governed-ai-credit-five-executive-questions/",
      "url": "https://crediarc.com/blog/governed-ai-credit-five-executive-questions/",
      "title": "Governed AI in Credit: Five Questions Executives Should Ask",
      "summary": "A practical framework for evaluating AI-assisted credit decisions without surrendering policy control, accountability, or evidence.",
      "date_published": "2026-07-25T12:00:00Z",
      "date_modified": "2026-07-25T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "governed",
        "credit",
        "questions",
        "executives",
        "should"
      ]
    },
    {
      "id": "https://crediarc.com/blog/underwriting-transformation-business-case-without-invented-roi/",
      "url": "https://crediarc.com/blog/underwriting-transformation-business-case-without-invented-roi/",
      "title": "The Business Case for Underwriting Transformation—Without Invented ROI",
      "summary": "How CFOs and credit leaders can establish a credible baseline, pilot one workflow, and prove operating value using their own evidence.",
      "date_published": "2026-07-25T12:00:00Z",
      "date_modified": "2026-07-25T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "business",
        "underwriting",
        "transformation",
        "without",
        "invented"
      ]
    },
    {
      "id": "https://crediarc.com/blog/cash-flow-underwriting-for-smb-lenders/",
      "url": "https://crediarc.com/blog/cash-flow-underwriting-for-smb-lenders/",
      "title": "Cash-Flow Underwriting for SMB Lenders: A Practical Playbook",
      "summary": "How lenders can turn bank, accounting, and receivables data into a faster, more defensible view of repayment capacity.",
      "date_published": "2026-07-21T12:00:00Z",
      "date_modified": "2026-07-25T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "underwriting",
        "lenders",
        "practical",
        "playbook"
      ]
    },
    {
      "id": "https://crediarc.com/blog/accounts-receivable-aging-lender-risk-signals/",
      "url": "https://crediarc.com/blog/accounts-receivable-aging-lender-risk-signals/",
      "title": "What an A/R Aging Report Tells You About an SMB Borrower",
      "summary": "A field guide to concentration, aging, dilution, payment behavior, and the signals hidden inside a receivables file.",
      "date_published": "2026-07-18T12:00:00Z",
      "date_modified": "2026-07-25T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "aging",
        "report",
        "tells",
        "about",
        "borrower"
      ]
    },
    {
      "id": "https://crediarc.com/blog/dynamic-credit-limits-small-business-lending/",
      "url": "https://crediarc.com/blog/dynamic-credit-limits-small-business-lending/",
      "title": "From Static Limits to Dynamic Credit: A Better Model for SMB Lending",
      "summary": "Why periodic reviews miss risk—and how lenders can adjust exposure using current operating and receivables signals.",
      "date_published": "2026-07-14T12:00:00Z",
      "date_modified": "2026-07-25T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "static",
        "limits",
        "dynamic",
        "credit",
        "better",
        "model",
        "lending"
      ]
    },
    {
      "id": "https://crediarc.com/blog/early-warning-signals-smb-loan-portfolio/",
      "url": "https://crediarc.com/blog/early-warning-signals-smb-loan-portfolio/",
      "title": "12 Early-Warning Signals Every SMB Loan Portfolio Should Monitor",
      "summary": "A practical monitoring framework that finds deterioration before a missed payment becomes the first alert.",
      "date_published": "2026-07-10T12:00:00Z",
      "date_modified": "2026-07-25T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "early",
        "warning",
        "signals",
        "every",
        "portfolio",
        "should",
        "monitor"
      ]
    },
    {
      "id": "https://crediarc.com/blog/explainable-ai-smb-credit-decisions/",
      "url": "https://crediarc.com/blog/explainable-ai-smb-credit-decisions/",
      "title": "Explainable AI in SMB Credit: What Credit Committees Actually Need",
      "summary": "How to use AI to accelerate underwriting without surrendering policy control, evidence, or human judgment.",
      "date_published": "2026-07-06T12:00:00Z",
      "date_modified": "2026-07-25T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "explainable",
        "credit",
        "credit",
        "committees",
        "actually"
      ]
    },
    {
      "id": "https://crediarc.com/blog/faster-smb-underwriting-without-more-risk/",
      "url": "https://crediarc.com/blog/faster-smb-underwriting-without-more-risk/",
      "title": "How to Cut SMB Underwriting Time Without Taking More Risk",
      "summary": "A workflow redesign for lenders and brokers that removes manual work while preserving credit controls.",
      "date_published": "2026-07-02T12:00:00Z",
      "date_modified": "2026-07-25T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "underwriting",
        "without",
        "taking"
      ]
    },
    {
      "id": "https://crediarc.com/blog/smb-lending-fraud-kyb-checklist/",
      "url": "https://crediarc.com/blog/smb-lending-fraud-kyb-checklist/",
      "title": "SMB Lending Fraud & KYB: A Pre-Underwriting Checklist",
      "summary": "Entity, ownership, bank, invoice, and document checks that should happen before a credit analyst spends time on the file.",
      "date_published": "2026-06-27T12:00:00Z",
      "date_modified": "2026-07-25T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "lending",
        "fraud",
        "underwriting",
        "checklist"
      ]
    },
    {
      "id": "https://crediarc.com/blog/post-close-monitoring-smb-covenants/",
      "url": "https://crediarc.com/blog/post-close-monitoring-smb-covenants/",
      "title": "Post-Close Monitoring: Turning SMB Covenants into Actionable Signals",
      "summary": "How to connect reporting requirements, financial covenants, and live operating data to an effective review process.",
      "date_published": "2026-06-23T12:00:00Z",
      "date_modified": "2026-07-25T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "close",
        "monitoring",
        "turning",
        "covenants",
        "actionable",
        "signals"
      ]
    },
    {
      "id": "https://crediarc.com/blog/trade-credit-insurance-expand-smb-lending-capacity/",
      "url": "https://crediarc.com/blog/trade-credit-insurance-expand-smb-lending-capacity/",
      "title": "How Trade Credit Insurance Can Expand SMB Lending Capacity",
      "summary": "Where receivables insurance can support advance rates, concentration management, and lender confidence—and where it cannot.",
      "date_published": "2026-06-18T12:00:00Z",
      "date_modified": "2026-07-25T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "trade",
        "credit",
        "insurance",
        "expand",
        "lending",
        "capacity"
      ]
    },
    {
      "id": "https://crediarc.com/blog/lender-ready-smb-credit-memo/",
      "url": "https://crediarc.com/blog/lender-ready-smb-credit-memo/",
      "title": "The Lender-Ready SMB Credit Memo: Structure, Evidence, and Red Flags",
      "summary": "A decision-focused credit memo template for consistent, faster SMB approvals and better borrower conversations.",
      "date_published": "2026-06-12T12:00:00Z",
      "date_modified": "2026-07-25T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "lender",
        "ready",
        "credit",
        "structure",
        "evidence",
        "flags"
      ]
    },
    {
      "id": "https://crediarc.com/resources/smb-cash-flow-underwriting-guide/",
      "url": "https://crediarc.com/resources/smb-cash-flow-underwriting-guide/",
      "title": "The Complete SMB Cash-Flow Underwriting Guide",
      "summary": "A practical framework for reconstructing repayment capacity, normalizing cash flow, testing debt service, and documenting an explainable SMB lending decision.",
      "date_published": "2026-07-21T12:00:00Z",
      "date_modified": "2026-07-21T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "complete",
        "underwriting",
        "guide"
      ]
    },
    {
      "id": "https://crediarc.com/resources/asset-based-lending-borrowing-base-guide/",
      "url": "https://crediarc.com/resources/asset-based-lending-borrowing-base-guide/",
      "title": "Asset-Based Lending Borrowing-Base Guide",
      "summary": "A field guide to receivables eligibility, concentration, dilution, reserves, advance rates, and the controls behind a defensible borrowing base.",
      "date_published": "2026-07-21T12:00:00Z",
      "date_modified": "2026-07-21T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "asset",
        "based",
        "lending",
        "borrowing",
        "guide"
      ]
    },
    {
      "id": "https://crediarc.com/resources/commercial-credit-memo-template/",
      "url": "https://crediarc.com/resources/commercial-credit-memo-template/",
      "title": "Commercial Credit Memo Template and Decision Framework",
      "summary": "A lender-ready structure for presenting the request, repayment thesis, financial analysis, risks, mitigants, exceptions, conditions, and monitoring plan.",
      "date_published": "2026-07-21T12:00:00Z",
      "date_modified": "2026-07-21T12:00:00Z",
      "authors": [
        {
          "name": "Shimon Azar",
          "url": "https://crediarc.com/about/"
        }
      ],
      "tags": [
        "commercial",
        "credit",
        "template",
        "decision",
        "framework"
      ]
    }
  ]
}