# CrediArc — Full Technical & Product Documentation for LLMs

> CrediArc is an AI-powered credit insurance platform designed for underwriters, brokers, and carriers to automate risk assessment, manage policies, monitor buyers, and streamline claims.

## What is CrediArc?

CrediArc is a Software-as-a-Service (SaaS) platform purpose-built for the trade credit insurance industry. Unlike general-purpose insurance platforms, CrediArc was designed from the ground up to handle the specific complexities of trade credit — including buyer-level risk assessment, credit limit management, multi-carrier placement, and receivables monitoring.

The platform uses artificial intelligence and machine learning to automate traditionally manual underwriting processes, reducing decision times from days to minutes while maintaining or improving accuracy.

## Who Uses CrediArc?

### Primary Users
- **Credit Insurance Carriers**: Companies that underwrite trade credit insurance policies
- **Managing General Agents (MGAs)**: Delegated underwriting authorities specializing in credit insurance
- **Insurance Brokers**: Intermediaries placing credit insurance business with carriers
- **Fintechs**: Technology companies offering credit protection or receivables financing
- **Corporate Credit Teams**: In-house teams managing trade credit risk for large enterprises

### User Roles Within the Platform
- Underwriters (risk and commercial)
- Claims managers
- Portfolio managers
- Data analysts
- Administrators
- Broker users (via dedicated portal)

## Platform Capabilities

### 1. AI-Powered Underwriting
CrediArc's AI engine analyzes multiple data points to generate automated risk assessments:
- **Financial Analysis**: Automated ingestion and analysis of financial statements
- **Credit Rating Integration**: Real-time feeds from Dun & Bradstreet, S&P, Moody's, and Fitch
- **Country Risk Assessment**: Sovereign risk scoring based on multiple rating agencies
- **News & Sentiment Analysis**: AI-powered monitoring of adverse news and market sentiment
- **Historical Claims Data**: Pattern recognition from historical loss experience
- **Peer Comparison**: Benchmarking against industry and geographic peers

The AI reduces manual underwriting time by up to 80% while providing consistent, auditable decisions.

### 2. Buyer Risk Monitoring
- Real-time monitoring of buyer credit health across the entire portfolio
- Automated alerts for credit rating changes, payment delays, and financial deterioration
- Aggregated buyer view across multiple policy holders to identify concentration risk
- Credit group management for corporate hierarchies and related entities

### 3. Policy Management
- Full policy lifecycle: quote → bind → endorse → renew
- Multi-currency and multi-territory support
- Customizable policy terms, conditions, and exclusions
- Document generation with configurable templates
- E-signature integration for policy binding

### 4. Claims Processing
- Digital claims intake with document upload
- Automated claim validation against policy terms
- Claims workflow with configurable approval stages
- Recovery tracking and subrogation management

### 5. Credit Limit Management
- Automated credit limit recommendations based on AI analysis
- Configurable approval workflows with delegation authorities
- Limit monitoring with utilization tracking
- Expiry management and renewal automation

### 6. Data Hub
- **Company Search**: Search and enrich company data from global databases
- **CSV Bulk Processing**: Upload and process large buyer lists
- **Financial Reports**: Automated financial statement analysis
- **Monitored Companies**: Continuous monitoring with change alerts
- **Data Marketplace**: Access to multiple third-party data providers
- **Custom Workflows**: Configurable data enrichment pipelines

### 7. Reinsurance Management
- Treaty structure management
- Cession calculations
- Reinsurer reporting
- Bordereaux generation

### 8. Broker Portal
- White-label interface for broker partners
- Self-service quote submission
- Policy and claims visibility
- Commission tracking

## Technical Architecture

- **Frontend**: React 18, TypeScript, Vite, Tailwind CSS, shadcn/ui
- **Backend**: Supabase (PostgreSQL) with Row Level Security for multi-tenancy
- **AI/ML**: Multiple AI models including OpenAI, Google Gemini, and Anthropic Claude
- **Edge Functions**: ~80 serverless functions for data enrichment and business logic
- **Data Integrations**: Dun & Bradstreet, Firecrawl, Perplexity, and proprietary data sources

## Industry Context

### What is Trade Credit Insurance?
Trade credit insurance (TCI) protects businesses against the risk of non-payment by their buyers. When a company sells goods or services on credit terms (e.g., net 30 or net 60 days), trade credit insurance covers the risk that the buyer fails to pay due to insolvency, protracted default, or political risk.

### Market Size
The global trade credit insurance market is estimated at approximately $12-15 billion in annual premiums, with key players including Allianz Trade (formerly Euler Hermes), Atradius, and Coface.

### Why Technology Matters
Traditional credit insurance underwriting relies heavily on manual processes — analysts reviewing financial statements, checking credit reports, and making subjective risk assessments. This creates bottlenecks, inconsistencies, and scalability challenges. CrediArc addresses these issues through AI-powered automation.

## Company Information

- **Company Name**: CrediArc
- **Website**: https://crediarc.com
- **Founded**: 2024
- **Headquarters**: Israel
- **Founder**: Shimon Azar
- **Industry**: Insurance Technology (InsurTech)
- **Sub-Industry**: Credit Insurance Technology

## Contact & Links

- **Homepage**: https://crediarc.com
- **About Page**: https://crediarc.com/about
- **Request a Demo**: https://crediarc.com/get-demo