CrediArc commercial credit
Move from incomplete applications to a defensible credit decision.
Use governed AI to read SMB borrower evidence, prepare cash-flow analysis, detect policy exceptions, draft credit memos, and support continuous monitoring.
What this page covers
AI extracts and organizes financial statements, bank activity, tax records, debt schedules, A/R aging, ownership documents, and borrower explanations.
AI helps prepare sourced cash-flow normalization, debt-service analysis, policy exceptions, approval questions, and a reviewable credit memo.
The lender's policy and underwriters retain approval authority.
Portfolio monitoring after close
Does CrediArc replace the underwriter?
No. CrediArc structures evidence and workflow, while human reviewers retain judgment and approval authority.
Which SMB credit evidence can the workflow organize?
Applications, financial statements, bank activity, bureau and KYB results, debt schedules, receivables, and management explanations.
Can the approved decision remain connected to monitoring?
Yes. Conditions, covenants, review dates, early-warning signals, and escalation ownership can remain attached to the approved exposure.