Underwrite
Smarter.
Instantly.
CreditOptix builds a custom AI agent from your historical deals. It learns your approval logic and applies it to every new deal in seconds.
Your deals.
Your logic.
Your AI agent.
Average time to evaluate a deal. Full reasoning included.
Custom to your logic. No generic models.
Lender types supported. MCA to mortgage to invoice factoring.
From raw data
to AI decisions
in minutes.
Connect HubSpot, Salesforce, Google Sheets, or drop a CSV. We need your historical approvals, declines, and outcomes.
Our AI analyzes your patterns. Thresholds, red flags, deal structures. It builds an agent that underwrites like you do.
Submit a deal. Get a recommendation with full reasoning in seconds. You review, you decide. The agent learns from outcomes over time.
Manual deal review vs. AI-powered evaluation. Same depth, fraction of the time.
Team consistency without vs. with CreditOptix. Same criteria applied to every deal, every time.
Every evaluation includes written reasoning, risk flags, and recommended terms. Full audit trail.
Connects to
your stack.
What beta lenders are saying
“We plugged in 2 years of MCA deals and the agent nailed our approval logic on the first try. Evaluations that took us 45 minutes now take 30 seconds.”
David R.
MCA Lender · 200+ deals evaluated
“The reasoning is the killer feature. I can read exactly why the AI recommended conditional approval and what conditions to set. My junior underwriters use it as a training tool.”
Sarah M.
Equipment Finance · 150+ deals evaluated
“Connected our Google Sheet in 5 minutes. Now every new deal row gets an AI recommendation automatically. We went from reviewing deals daily to reviewing them in real-time.”
James T.
DSCR Lender · 80+ deals evaluated
Why
CreditOptix
Your historical deals — approvals, declines, and outcomes. CSV, Excel, or connect your CRM directly. 50 deals is enough for a solid baseline. 200+ and the agent gets remarkably accurate.
Credit scores are generic. CreditOptix builds an agent that thinks like you. Your thresholds, your red flags, your deal structures. It explains every decision in plain English, not a number.
No. Your agent gives you a recommendation with full reasoning. You always make the final call. Think of it as your best analyst, available 24/7.
MCA, mortgage, BRRRR, DSCR, personal loans, business/SBA, equipment financing, and invoice factoring. Each gets purpose-built fields and evaluation logic.
Upload a CSV, answer a few questions, and your agent is live. Average time from signup to first AI evaluation: 4 minutes and 12 seconds. No engineering required.
Your best analyst,
available 24/7.
Built on your data. Thinks like you do.
Gets better over time.