Credit Decisioning
Built for Scale.
AI underwriting, SHAP explainability, and governance — production-ready for lenders who can't afford guesswork.
Designed for institutions operating under SR 11-7 · FCRA §615 · CFPB guidance
$2.4B+
Credit volume evaluated
cumulative across all models
340ms
Median decision latency
P99 under 500ms
99.97%
Platform uptime SLA
measured over trailing 90d
0
Active bias flags
continuous adverse-impact monitoring
Products
Three tools. One credit stack.
From underwriting to explainability to governance — every layer you need, purpose-built for regulated lending.
Architecture
How It Works
Four deterministic stages. Every decision is traceable, explainable, and under 500ms.
Input
Applicant profile submitted via API or Product Lab
Rules
Hard constraints evaluated — FCRA-compliant rejection gates
Inference
ML model scores the application, SHAP computes factor weights
Decision
Structured JSON response with audit trail — under 500ms
See a Decision. In Real Time.
Every decision returns a structured, auditable JSON payload.
▊Case Studies
Real outcomes. Real institutions.
Expanding Credit Access for Thin-File Applicants
+18%
approval lift
Income-first ML model closes the gap for applicants with no credit history.
Read case study →Credit Decisioning for the Gig Economy
+31%
approval lift
Employment-length-tolerant model captures repayment capacity traditional models miss.
Read case study →Implementing Model Governance for a Regulated Lender
0
regulatory findings
SHAP explainability + immutable audit log meets SR 11-7 model risk guidance.
Read case study →Pricing
Transparent pricing.
Scale when you're ready.
Start with a free trial. No commitment until you're in production. All plans include SHAP explainability and FCRA-compliant adverse-action codes.
Up to 1,000 decisions / month
Ideal for fintechs, CDFIs, and credit-union pilots evaluating AI underwriting.
- Underwriting Engine (ML + rules)
- SHAP explainability per decision
- Adverse-action reason codes
- REST API + TypeScript SDK
- Basic governance dashboard
- 99.9% uptime SLA
- Community support
Up to 20,000 decisions / month
For scaling lenders who need production throughput, bias monitoring, and dedicated support.
- Everything in Starter
- Full governance suite (SR 11-7 ready)
- Four-fifths rule & adverse-impact reports
- AI Copilot (decisioning assistant)
- Integration Gateway (webhooks + LOS)
- Model fine-tuning (quarterly)
- 99.95% uptime SLA
- Dedicated Slack support channel
Unlimited decisions
For regulated institutions needing private deployment, SOC 2, and custom model governance.
- Everything in Growth
- Private cloud / on-premise deployment
- Custom model training on your data
- SSO + SCIM provisioning
- SOC 2 Type II & FCRA compliance package
- Dedicated CSM + SLA negotiation
- 99.99% uptime SLA
- 24/7 priority support
All plans billed monthly. Annual billing available at 20% discount. No overage fees — decisions pause gracefully at limit.
Ready to modernise your credit stack?
Book a 30-minute technical demo with our team. We'll walk through the underwriting pipeline, live SHAP explanations, and governance dashboard using your data or ours.
No commitment. Demo uses real synthetic data. Set up in under 5 minutes.