JUDI.AI

JUDI.AI supports the strategic priorities of C-Suite executives while serving local communities by enabling community-based financial institutions to provide a fintech-like experience for small business loans. Trusted by over 35 forward-thinking community lenders, JUDI.AI addresses the top challenge for small businesses: access to capital. The company transforms small business dreams into vibrant communities by increasing access to capital through a unique cash flow-based underwriting approach that combines the speed of consumer lending with the rigor of commercial lending. JUDI.AI reduces the application, decisioning, and documentation process from days or weeks to less than 10 minutes and processes three times the volume of loan applications without additional staff. This approach increases approval rates by 20% while maintaining the same default rate. The platform offers rapid implementation, tailored to unique policies, and can be up and running in eight weeks or less. JUDI.AI provides a digital and automated lending process that leverages real-time banking transaction data and uses real-time cash flow signals to predict the ability to pay. The platform employs multivariate models based on science and performance data for nearly instant approval processes and is hosted in the Microsoft Azure cloud, fully compliant with SOC 2 Type 2 requirements. JUDI.AI offers unsecured small business loans for term loans, lines of credit, and credit cards under $250K, as well as secured loans for vehicle and equipment that require collateral. Loan applications are accepted in branch, online, or via mobile channels. The company’s proprietary transaction categorization engine, powered by AI, organizes banking transaction data into real-time synthetic financial statements. JUDI.AI delivers 20% more approved loans with the same level of risk or 30% less risk with the same volume of loans compared to a credit score-only approach. Additionally, JUDI.AI pledges 1% of equity, revenue, time, and product to not-for-profits of customers’ choice.