80+ Signals for Confident Credit Decisions

Beyond Bureau Scores — Understand Real Borrower Risk

AbleCredit's AI-driven Risk Engine builds a full-spectrum credit profile using borrower voice, images, location data, and alternative sources — giving lenders the depth and defensibility they need to underwrite confidently.

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What You Get

Credit Clarity for Complex Borrowers

Go beyond documents and bureau scores. With 80+ explainable signals, Risk Profiling gives your team the real reasons to approve—or not.

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Built for Thin-File MSMEs

80+ proprietary signals covering ownership, business activity, scale, and behavior.
Ideal for cash-driven or first-time borrowers with limited financial history.

Alternative Data That Works

Voice tone, shop photos, footfall potential, and more — all scored instantly.
Inputs from document metadata, images, and real-time interactions.

Explainable, Not Just Accurate

Every score includes reasoning and contributing factors.
Easy for underwriters and audit teams to understand and trace.

Compatible With Your Policy

Signals plug into CAM, BRE, and pre-qualification layers.
Custom thresholds, weightings, and override capability built-in.

How Credit Risk Profiling Works

Capture Data From the Source

AI Extracts Risk Signals

Risk Profile Is Auto-Built

Flags and Overrides Are Added

Output Sent to Underwriter

Capture Data From the Source

Field, app, or video PD collects voice responses, business photos, geolocation, and KYC docs.

Where It Fits

Risk Profiling From Day One

Detect Risks Early. Approve Confidently.

Use Credit Risk Profiling before underwriting begins to assess data quality, eligibility, and potential risk zones.

[PD Completed – Field or Video]

Structured and unstructured data is captured durin...

[Signals Extracted in Real-Time]

80+ indicators generated across ownership, activit...

[Profile Added to CAM]

Composite grade, flags, and explanations fed into ...

Lenders That Trust the Signals

We used to guess risk on thin-file cases. Now we see what's real, what's missing, and what to watch. The 80+ signals changed how we underwrite frontline borrowers.

Credit Risk Head, MSME-Focused Fintech Lender

+3x

Confidence in Low-Doc Borrowers

-35%

Rejection Due to "Lack of Clarity"

+22%

Portfolio Stability in Bottom Risk Tier

COMPLIANCE & RECOGNITION