The Credit Infastructure You’ve Been Waiting For
Every Signal. Every Risk.
One Clear Picture
Institutions serving SMEs aren't lacking the desire to lend. What's missing is a unified intelligence layer that makes doing it accurately and profitably possible
PROVIDR gives your underwriters the complete instrumentation they need to lend with confidence — faster decisions, better accuracy, and full control
We’re an agentic SME underwriting platform — from data ingestion to credit decision
and all the magic happens from within your existing system
One Platfrom. Three Layers. Every Dimension of The Decision.
SME Scoring Engine
Analyzes live cash-flow, revenue patterns, volatility, debt coverage, POS transactions, and other alternative operational data for a full picture of a borrower’s true health
Owner Intelligence Profile
Maps each application against the institution's regulatory caps, concentration limits by industry, geography, loan type, and other policy parameters in real time. No one else has this
Policy Fit Engine
Evaluates the operator behind the business — management tenure, personal credit behavior, industry experience signals, and stability indicators. Because the SME and its owner are not the same analysis
No existing platform combines all three.
We help you approve more fundable SMEs
The right borrower isn't just creditworthy — they're a healthy business, a capable owner, and a fit for your policy at the time of origination. PROVIDR finds all three, structures competitive terms around their actual risk, and gives your officers everything they need to decide with confidence
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Business cash flow & alternative data, owner qualifications & capabilities, and your institution's live policy fit — evaluated simultaneously and in real-time
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Rate, amount, and structure calibrated to each borrower's actual risk profile — so more applications convert to funded loans at terms that work for both sides
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Every signal, every risk factor, every data point synthesized into a single, clear credit picture — so officers have everything they need to say yes with confidence
Increase your efficiency
Reduce costs and eliminate hours of manual work, with automated workflows, credit analysis, and material generation
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From data ingestion and financial spreading to risk flagging and decision recommendation, our AI agents automate the steps that slow your team down and create room for error
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Cash flow and alternative data signals analyzed instantly and synthesized into a single, unified credit picture — so your officers spend their time on decisions, not data gathering
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Every application produces a complete package: credit memos, term sheets, and supporting documentation — fully narrated, automatically generated, and audit-ready
Eliminate officer variability
Every decision is consistent, compliant, and defendable, with automated compliance, disparate impact monitoring, audit trails, and explainable AI
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FCRA, ECOA, Reg B, and SR 11-7 aren't afterthoughts — they're built into every decision PROVIDR makes, so your team lends confidently without compliance becoming a bottleneck
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Built-in fairness monitoring flags potential disparate impact in real time, keeping your portfolio compliant and your institution protected
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Every decision is explainable and every action is logged — giving examiners and officers a complete, transparent record from application to outcome
All the tools you need to make smarter decisions
We studied every bottleneck in the underwriting process — and built the glass cockpit your loan officers have always needed
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Purpose-built agents that automate every step of the underwriting workflow — from financial spreading and cash flow analysis to credit memo generation and compliance — so your officers never touch a manual process again
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An interactive intelligence layer where officers explore borrower data, visualize cash flow trends, and compare parameters across the full application — turning a complex credit file into a clear, actionable picture
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Ask a question, get an answer. Your officers can probe anomalies, request comparisons, generate visualizations, and stress-test scenarios in plain language — right inside the workflow, in real time
“Why did MoM revenue decrease?” “Compare it to industry” “Macro factors affecting this sector?”