See a credit assessment come together. Live.

POST /v1/assessments
Idempotency-Key: 3f9c1a70-case-0001

{
  "mode": "full",
  "policy_version": "tenant-policy-2026-07",
  "applicant": {
    "country": "PL",
    "registry_code": "5213456789",
    "legal_name": "Smith & Nowak Logistics Sp. z o.o."
  },
  "request": { "amount": 250000, "currency": "EUR", "term_months": 36 },
  "consents": {
    "data_processing": true,
    "bureau_enquiry": true,
    "account_information": true,
    "captured_at": "2026-07-06T09:14:22Z"
  }
}

→ 202 Accepted  { "id": "asm_7NpF4c2wQ9", "status": "screening" }

External Intelligence Full Credit Scoring Running step {n} of 7 Completed in {t}s Waiting for input Load one of the sample companies first, then run the assessment. Registry lookup {country} · entity {reg} found · status: active Sanctions, PEP and adverse media lists queried · {hits} hit(s) Tax authority and court records retrieved · {filings} filing(s) Bank statements ingested · {months} months · {tx} transactions Identifiers validated · VAT {vat} matches registry record Financial statements normalised · {years} reporting periods Transactions de-duplicated and currency-normalised {tx} transactions categorised · {cats} lending categories · {conf}% confidence Revenue, CFADS and debt-service series built Ownership and group structure resolved · {ubo} beneficial owner(s) Transaction categorisation skipped · no bank data in External Intelligence Policy "{policy}" applied · thresholds and factor weights loaded Factor scores computed · financial {fin} · business {bus} · behavioural {beh} · compliance {com} Overall score {score}/100 · band: {band} AI overlay reviewed the file · {flags} finding(s) prioritised Exceptions routed to analyst queue AI overlay skipped · available in Full Credit Scoring Report generated · decision object ready · pathway: {pathway} API payload delivered to the origination endpoint Low Risk Medium Risk High Risk Approve Refer Reject Overall Risk Score Intelligence Score Decision pathway Preliminary view Key Metrics Registry Profile Low level of credit risk based on the analysed data. Evidence suggests a stable financial footing and reliable operations. Moderate credit risk. The business is viable but several drivers sit close to policy thresholds and warrant analyst review. High credit risk. Material weaknesses in the evidence outweigh the positives under the selected policy. Meets the approval threshold of the {policy} ({min}+). No blocking exceptions. Falls in the referral band of the {policy} ({min}-{max}). Analyst review required before a decision. Below the {policy} floor of {min}. Blocking exceptions present. Preliminary screening only. A lending decision requires bank data and a credit policy (Full Credit Scoring). Standard SME policy Conservative policy Growth lending policy Screening rules Revenue (12M) CFADS (12M) Debt service cover Net debt / EBITDA Overdraft utilisation Days past due (max) Registered since Share capital Directors Beneficial owners Tax arrears Court filings (36M) None Company registry ({country}) Entity status, directors, share capital VIES / tax authority VAT number validity EU / UN / OFAC lists Sanctions, PEP, adverse media Court and insolvency registers Proceedings, enforcement, insolvency Tax authority Arrears and payment status Bank statements {months} months categorised Credit policy Thresholds and factor weights Verified Clear {n} finding(s) Applied Not included You There is no assessment to discuss yet. Run one above and ask me again. In this demo I answer four scripted questions about the file. Pick one below, or run a pilot to ask the live agent anything about your own cases. {company} scores {score}/100 ({band}). The strongest factor is {best} at {bestv}/100; the weakest is {worst} at {worstv}/100. Under the {policy} this lands on the "{pathway}" pathway. The drivers: {drivers}. The score is {gap} points below the approval threshold ({min}). Resolving the top finding ("{flag}") would lift the {worst} factor by an estimated {delta} points, which moves the file to "{next}". A smaller facility or a longer term would also improve debt service cover from {dscr}x. The file already meets the approval threshold ({min}) with {gap} points of headroom. It would drop into the referral band if the facility rose above roughly {maxamount} EUR at this term, or if the "{flag}" finding escalated. External Intelligence gives a preliminary view only. To reach a lending decision, run Full Credit Scoring: bank data would confirm cash-flow capacity and the credit policy would set the approve, refer and reject thresholds. The weakest evidence is {worst} ({worstv}/100). {flag} Supporting sources: {sources}. I would ask the analyst to confirm this point before the committee. Committee summary: {company} ({country}, reg. {reg}) requests a {amount} EUR facility over {term} months. Overall score {score}/100, {band}, pathway "{pathway}" under the {policy}. Key findings: {flags}. Evidence: {sources}. Recommendation drafted for analyst review; decision remains with the committee. Screening summary: {company} ({country}, reg. {reg}). Intelligence score {score}/100, {band}. Findings: {flags}. Evidence: {sources}. Preliminary view only; no lending decision without bank data. Reviewing the credit file for {company}. Registry evidence verified, {policy} applied. Overall score {score}/100, {band}: {tail} Collects registry, court, tax and sanctions evidence Cross-checks identifiers, filings and ownership Categorises transactions, applies your policy, scores the file Projects 12-month cash flow and stress scenarios Drafts the committee summary and flags exceptions Pulls registry, court, tax and insolvency records Scans the web for debts, adverse media and reviews Screens sanctions, PEP lists and beneficial owners Reads payment behaviour and trade signals Scores the screening and drafts the summary {sources} registry sources, {filings} court filing(s) {debts} debt notice(s) online, {reviews} reviews at {rating}/5 Sanctions and PEP: {hits} hit(s), {ubo} beneficial owner(s) Payment behaviour: {behaviour} on time in trade references occasional delays, up to {dpd} days {dpd} days past due, returned payments Screening complete for {company}. Registry, court and web sources reviewed, compliance lists checked. Intelligence score {score}/100, {band}: {tail} Intelligence Score Debts found online None found in debt registers or enforcement notices {n} enforcement notice(s) and unpaid-invoice listings Online reviews {rating}/5 from {reviews} reviews, {sentiment} mostly positive mixed mostly negative Adverse media No negative coverage in the last 24 months {n} article(s): reports of unpaid subcontractors Court and insolvency No proceedings on record {n} filing(s) in the last 36 months Web presence Domain active since {year}, identity consistent across sources Payment behaviour Queued Working Done {sources} sources collected, {hits} sanctions hit(s) Identifiers verified, {ubo} beneficial owner(s) resolved 12-month projection: DSCR {dscr}x, {stress}x under stress Projection needs bank data, available in Full Credit Scoring Operating costs Payroll Debt service Tax and levies Retained cash JanFebMarAprMayJunJulAugSepOctNovDec no blocking exceptions left open. analyst review required before a decision. blocking exceptions present, decline recommended. Agent verification started · streaming events to the client Agent verdict delivered · {score}/100 · report opened in the interface Financial Business Behavioural Compliance Entity active, filings up to date, directors verified against the registry. No sanctions, PEP or adverse media matches on the entity or its owners. No tax arrears recorded; VAT number valid and matched to the entity. Consistent monthly inflows; CFADS covers proposed debt service comfortably. Top customer accounts for 41% of inflows over the last 12 months. Revenue grew 38% year on year while margins compressed; working capital under pressure. Overdraft utilisation above 80% in 4 of the last 12 months. One civil claim filed in the last 36 months, settled; no enforcement. Beneficial owner resides outside the EU; enhanced due diligence recommended. Tax arrears of 142,000 EUR recorded; payment plan not confirmed. Negative equity in the latest filed accounts; two consecutive loss-making years. Two enforcement proceedings open; one insolvency petition withdrawn in the last 24 months. Returned payments and 47 days past due on an existing facility. Adverse media: reports of unpaid subcontractors in regional press.