Your policy. Your decision. Our infrastructure.
Credit Atlas is underwriting infrastructure for SME lenders that don't want to build it themselves. Turn company data, bank transactions and your credit policy into an explainable credit assessment.
Full SME underwriting, specialist lending and preliminary deal screening: three offers built on the same registry-backed evidence, transaction intelligence and explainable analysis.
The core underwriting workflow for banks, financial institutions and fintech lenders: one structured credit file, with the recommendation and the rationale behind it.
The same infrastructure, adapted to the product you write. Thresholds, evidence requirements and decision pathways are tuned to specialist products such as leasing and invoice finance.
Know the company before the full diligence begins. A structured first-pass view of an SME for law firms, advisers and deal teams. Preliminary screening only, subject to permissions and consents.
Company files, registry extracts and bank data arrive separately, and rarely at the same time. The first real credit view waits on collection work, not on credit judgment.
Analysts clean and classify transaction data, calculate ratios and risk indicators, then draft the first credit view themselves. Hours of preparation before any judgment is applied.
The finished view is then retyped from one system into the next, and the format shifts with the analyst. The objective: materially more applications per analyst, without lowering your standard of risk.
Credit Atlas removes the repetitive work before the credit judgment. We organise the evidence, make the drivers and exceptions visible, and shape outputs for reports, APIs and the internal tools your team already runs, without hiding the reasoning or taking the decision away from your team.
A generic score returns a fixed number or a black-box recommendation. Credit Atlas shows your policy applied, the drivers behind the view, the exceptions and the decision pathway.
A generic data feed leaves your analysts with registry and bank records to interpret. We deliver normalised, lending-specific evidence, organised for credit analysis.
Credit Atlas collects and structures the evidence, calculates and categorises, and surfaces risks and exceptions. Your analysts review, challenge, resolve exceptions and decide. Explainability stays visible. Accountability stays with your institution.
Shorten the path from intake to a decision-ready credit view, while the drivers, assumptions and exceptions stay visible to analysts and to the committee.
We do not ask you to abandon your underwriting logic. We digitise the logic your institution already lends on: thresholds, factor weights and your reject, refer and approve pathways.
Start with one workflow and expand: from report output to API integration, and toward a consistent SME underwriting layer across European markets, with local evidence left intact.
A unified workflow keeps the evidence, logic and handoffs visible. Data collection, processing, enrichment, risk scoring, the AI overlay and delivery run as one sequence, so every conclusion can be traced back to its inputs.
Five modules combine into one underwriting workflow. Select any module to see how it works and where it sits in the credit flow.