Streamlining Enterprise Credit Assessments with Credixo’s AI-Powered Platform for Banks and Lenders

Problem Statement

Inefficiencies in Analyzing Enterprise Credit Requests for Banks and Lenders

• Banks and lenders face slow, manual processes for analyzing companies’ credit requests.

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• Financial statement analysis is error-prone and inconsistent across teams.

• Traditional tools lack the automation needed to quickly assess financial health and risk.

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• Credit decisions are delayed, resulting in missed opportunities or poor lending choices.

Solution

Credixo – AI-Powered Enterprise Credit Analysis for Banks and Lenders

• Streamlines the entire credit assessment process by automating document collection, financial analysis, and report generation.

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• Provides a comprehensive checklist with expert-crafted questions to quickly gather key information from business owners, improving decision accuracy.

• Delivers detailed financial reports and risk assessments, ensuring faster, data-driven decisions.

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• Reduces manual processes, saving time and unlocking new lending opportunities for banks and non-bank lenders.

Our Goal

Transform enterprise credit operations by eliminating bottlenecks and unlocking billions in value that’s tied up in manual processes.

Market Opportunity

Overall Increase in Credit Demand from Companies

+20%

in June 2024

SMEs Credit Demand Increase:

+34%

in June 2024

Increase in Credit Demand from Corporations for Short-term Loans:

+17%

in June 2024

Increase in Credit Demand from Corporations for Long-term loans:

+30%

in June 2024

*According to the August report of the National Bank of Romania (BNR) on lending: https://www.bnr.ro/Publicatii-periodice-204.aspx

*KeysFin Analysis: https://financialmarket.ro/finante-personale/credite/analiza-keysfin-creditele-acordate-de-ifn-uri-nivel-record-in-2023/

The Romanian non-financial corporate lending market was valued at 7.88 billion EUR in 2023.

Business Model

Financial Institutions

Non-Financial Institutions

Brokers

Subscription-Based Pricing

A fixed monthly fee for core features and a certain usage limit per user.

Additional fees for exceeding the included usage limits.

Standard

Enterprise

Premium

Product

Product

• AI generated client presentation (save hours/days to create presentations)

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• AI Assistant working on premise to talk with documents and get company insights

• Checklist to quickly gather key information from business owners and do not miss important data, even employee is a beginner/junior.

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• Automatically generated company credit score.

Team

Alexandru Strujac

Product Designer, Product Manager

Claudiu Filip

AI Engineer focusing on NLP and LLM applications.

Nicu Rida

Banker, Management & Financial Management Expert