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Credit decisions that look at the whole picture. Every application checked against your rules. Every decision explained.
What it looks like
An example for lending. The names and numbers are made up, and nothing here is connected to your systems.
Cash flow is strong and the credit score is fair. Revenue dipped in two of the last six months, so Cadreen suggests conditions.
The problem
Credit scores don't tell the whole story. Risk assessment needs cash flow, revenue trends, and behavioral signals — evaluated together.
Intelligence that evaluates creditworthiness from multiple signals — credit score, cash flow, revenue trend, behavioral patterns.
Workflow
From application to decision — governed at every step.
Borrower submits financial data
Credit score + cash flow + revenue trend + behavior
Multi-factor assessment with reasoning
Approve, conditional, or decline — with explanation
Every decision includes the reasoning. Anyone who reviews a decision can see who approved it.
Built for lending
Rules checked on every application, as it comes in.
Every lending decision recorded with full reasoning.
When something works again and again, Cadreen saves it as a pattern. An admin approves it before it changes how work runs.
Explain decisions in plain language. Build trust.
More signals. Faster decisions. Full explainability.
lending@billingrails.co