Automate all your manual and deep-knowledge credit work

From data collection to credit memo and monitoring, Crediflow runs the entire credit workflow with secure, explainable AI — so your team decides in minutes, not weeks.

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See how lenders, banks, brokers, and consultants use Crediflow.

Everything you need to decide, end to end

One platform for the full credit lifecycle — onboarding, analysis, diligence, decisioning, and monitoring.

Customer onboarding

AI data collection & pre-processing

Crediflow ingests financial statements, tax returns, bank statements, and business documents in any format — PDF, Excel, or scans — then extracts, structures, and standardizes the data automatically. No more manual spreading.

Any document, any format
Automated financial spreading
Standardized, audit-ready data

AI financial assessment & credit analysis

Reliable, consistent, and unbiased credit insights

Automated ratio analysis, cash-flow and debt-service coverage, and multi-period trend detection produce the same rigorous assessment on every deal — so credit quality no longer depends on which analyst picked up the file.

Cash-flow & DSCR analysis
Multi-period trend detection
Explainable, consistent scoring

AI due diligence, fraud & research

Streamline due diligence, fraud, and research

Crediflow cross-checks documents against external data, flags inconsistencies and fraud signals, and runs entity and background research — so your team spends less time gathering and more time deciding.

Document & data cross-checks
Fraud and anomaly signals
Automated entity research

Decisioning

Customized credit memo & approval flow

Generate a complete, lender-branded credit memo with clear rationale in minutes, then route it through your own approval workflow. Every decision is documented, defensible, and ready for committee.

One-click credit memo generation
Your branding and templates
Built-in approval routing

AI credit monitoring

Real-time portfolio & risk monitoring

Crediflow continuously monitors borrowers and portfolios against live data, alerting you to covenant breaches and shifts in risk before they become losses — turning static, one-off reviews into always-current insight.