Challenge

BHB Funding, a boutique financial firm in South Florida with 10 employees, provides a range of funding solutions to small businesses. In their industry, time is literally money—the faster they can fund a merchant, the more likely they are to win the deal before competitors.

"It's a handshake deal—we don't collateralize on any hard assets," explains Victor Castillo, Co-Founder of BHB Funding. "Trust is an important factor. Merchants aren't around the corner, so understanding the individual, their business, and the demography of their operation is critical."

Before Prudent AI, BHB's team was trapped in a cycle of manual bank document review, creating several critical bottlenecks:

• Underwriters spent excessive time on document verification
• No capacity to train new team members
• Limited ability to handle application surges
• Hesitation to hire during economic uncertainty

As a company that values culture and efficiency, these constraints were preventing BHB from growing while maintaining their high standards.

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Breaking the Bank Statement Barrier

Implementing Prudent AI's platform provided BHB Funding with an intelligent solution for automating their most time-consuming processes. The technology specifically addressed their bank statement analysis challenges while providing deeper insights into merchant cash flows.

Double the Deals, Half the Sweat

• 20% reduction in overall processing time
• 40% increase in operational efficiency
• 50% increase in average application capacity
• 10% improvement in funding capacity

Fund More, Stress Less

• Enhanced ability to handle application surges
• Increased focus on ISO partnership development
• Freedom to hire selectively without process constraints

From Processors to Performers

• Underwriters now train staff on business evaluation
• Parallel processing of different application components
• Improved team satisfaction and morale
• Better customer experience with faster turnaround times
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From Overwhelmed to Overachieving

The true value of these improvements becomes clear in daily operations. As Victor recalls: "The other day we had like 70 deals come in. That volume would normally take almost a whole day to complete with two juniors and an underwriter. Prudent AI saved us about 2-2.5 hours, allowing us to focus on marketing who we are as BHB."

This time savings cascades throughout the organization. The team no longer spends their day "staring at bank statements," and customers benefit from consistently faster service on both new applications and renewals.

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Small Team, Big Results

For BHB Funding, Prudent AI has delivered more than just operational improvements—it's enabled a strategic shift in how they approach their business. They can now:

• Focus on growing ISO partnership channels
• Hire based on cultural fit rather than immediate needs
• Train staff on higher-value evaluation skills
• Deliver consistently excellent customer experiences

By converting manual processing times into a strategic advantage, BHB Funding has positioned themselves for sustainable growth in a competitive market where every minute counts.

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