Prequalify Your Borrowers in Under 2 Minutes.

Quickly assess your borrowers' financial health, prevent fraud, and confidently make lending decisions. Instantly screen through a borrower's cash flow and evaluate their repayment ability in minutes, not hours.

Upgrade Your Loan Processing Capacity by 4x Now!

Prudent AI : Xpress

Instant Cash Flow Analysis for MCA Lenders

Empower your lending process with Prudent AI. Evaluate borrowers' financial health in seconds, detect fraud, reduce risks, and make confident decisions. Instantly decline loans to high risk applicants and confidently extend loans to credible borrowers.

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Trusted by Lenders of all sizes

Boost Your Bottom Line, Not Your Workload

AI Loan Insights

See beyond periodic snapshots. Our AI tracks daily balances, giving you the real scoop on your merchant's liquidity.

Qualified Income in clicks

Compute Qualified income based on your internal guidelines and use-cases

Move Beyond Summaries

Get AI powered insights on a borrowers credit health

Lend More, Lend Confidently

Fastest in the industry

Cash Flow Analysis at a Glance

Move beyond summaries. Prudent AI’s proprietary engine gives you insights into the borrowers credit portfolio, enabling you to predict a borrower’s repayment ability.

Evaluate a borrower’s cash flow in less than 2 minutes by analysing key metrics like income and expense breakdown, average, daily, monthly, and minimum balances, and a borrower’s credit history.

Missing files detection

Instant Fraud Detection

Identify tampered documents, missing files, NSFs and overdrafts. Move beyond risk score. Spot fraudsters instantly with our 5 way mismatch check and easy-to-interpret risk scale.

Highly Accurate Data

Direct Debt Visibility

Quickly understand a borrower’s existing MCA loans, his credit profile and how his loans are stacked. View a borrower’s total expenses, loan payments, and loan proceeds at a glance.

Instantly compute and view a borrower’s debt coverage ratio and determine his ability to repay.

Process 4X Loan Volumes with Zero additional cost

Our Customers Have Achieved Remarkable Results With Us

“We're not just users. We're fans! We have saved tens of thousands of dollars switching to Prudent AI.

With the volumes we do now, we would need a dedicated team to do this if we didn't use Prudent Al. The results are instantaneous, and we communicate to our clients fast, hugely improving our customer service. The analytics are very precise, our audits and investor feedback confirm, and we love how easy it is to use.”

Jacqueline Weed

VP of Third-Party Originations, American Heritage

Switched from a competitor

American heritage brought their pre-approval time down to 15 mins

American Heritage Lending saw a whopping 300% increase in their lending volumes when they started preapproving loan applications in under 15 minutes.

15 mins

Avg. Pre-approval Time

300%

Increase in volume

3.5 hrs

Saved per loan

“Before Prudent AI, we worked with a BPO. The process was time-consuming, complex, and led to errors.

Thanks to Prudent AI, our efficiency and accuracy have skyrocketed. The tool's ability to detect unusual bank statements has been invaluable in identifying and preventing fraud.

It has saved us precious time and allowed our operations team to focus on more critical responsibilities.”

Kelly Tierney

Business Intelligence, Angel Oak

Switched from BPO

Angel Oak improved their underwriter productivity by 4X

Angel Oak has been able to process double the volumes in half the time. They also saved 50% on operating expenses.

Increase in productivity

50%

Cost savings

4 hours

Saved per loan

"Prudent AI has made our employees happier by automating monotonous work, reducing errors, and bringing us great speed.

We love the attention to detail, the high quality, and the flexibility to meet our needs. I’d always want Prudent AI on our side."

Joseph Lydon

Managing Director, LendSure Mortgage Corp

Switched from manual

LendSure increases its loan volumes by 450% with Prudent AI

On average, LendSure takes less than 5 minutes to process 24 months worth of bank statements. This helps them speed up their underwriting process, saving them 4 hours per loan application.

450%

Increase in volume

4 hours

Saved per loan

<5 mins

Avg. processing time

Step into the future of lending

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