Credit Scoring AI for SMEs
Revolutionize your SME credit analysis with our artificial intelligence solution. Our advanced scoring API transforms credit risk assessment for small and medium-sized businesses by automating the analysis of SME balance sheets and providing accurate credit scores in real time. Designed specifically for the unique needs of French SMEs, our platform combines financial expertise and technological innovation for faster, more reliable and more inclusive credit decisions.
Use case of AI Credit Scoring for SMEs
Our solution adapts to the specific needs of each sector to optimize the analysis of SME solvency.
Banks & Financial Institutions
Automating SME credit decisions
- Automated analysis of SME balance sheets
- Real-time scoring via API
- Shorter lead times
- Banking regulatory compliance
Example of indicative impact - Banque Régionale :
Indicative data, variable according to context of use and validation by study.
Fintech & Neobanks
Native integration into your applications
- High-performance RESTful API
- Real-time webhooks
- SME Instant Scoring
- Comprehensive developer documentation
Insurers & Insurtech
SME customer risk assessment
- Pre-underwriting solvency analysis
- AI-based dynamic pricing
- Continuous policyholder monitoring
- Reducing unpaid claims
Dynamic pricing for credit insurance :
Indicative data, variable according to context of use and validation by study.
Chartered Accountants
Enhanced financial advice for SME customers
- Automatic analysis of customer balance sheets
- Detailed solvency reports
- Recommendations for improvement
- White-label interface available
SME Tech & SaaS
B2B prospect evaluation
- Scoring prospects before signing
- Native CRM integration
- Reducing B2B bad debts
- Workflow automation
Financing Platforms
Marketplace lending and crowdfunding
- Automated claim evaluation
- Matching investors and SMEs
- Transparent scores
- Post-financing monitoring
Why choose AI Credit Scoring?
Artificial intelligence transforms SME credit analysis with tangible benefits
Benefits of AI for SMEs
Complete Automated Analysis
Specialized AI agents automatically analyze SME balance sheets, financial data and market signals
Speed of execution
SME credit score available quickly via API, compared with several weeks using the traditional method
Cost optimization
Significantly lower analysis costs than traditional manual methods
Multiple Data Sources
Combined analysis: balance sheets + external data + alternative signals
Objectivity and consistency
Eliminate human bias, make decisions based on data analysis
Challenges of Traditional Methods
Time-consuming manual processes
Time-consuming manual review of SME balance sheets by analysts
Long lead times
It takes several weeks for a complete SME credit decision
Important resources
Mobilization of teams of analysts, high cost per file
Limited historical data
Analysis based primarily on historical balance sheets
Human variability
Subjectivity in assessment, risk of inconsistencies between analysts
Test our AI solution for free
Discover how our AI credit scoring can transform your SME credit analysis. Join our waiting list to be among the first to access our revolutionary solution.
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FAQ Credit Scoring IA for SMEs
Answers to frequently asked questions about our SME credit analysis solution