Founder & CEO
Crediflow AI
Crediflow AI provides an end-to-end AI credit infrastructure for commercial lenders and banks, automating the entire underwriting workflow from document ingestion to credit memo generation. Its proprietary FlowSpread engine extracts and standardizes financial data from unstructured documents, reducing processing time from approximately 5.5 hours to 5 minutes per application with error rates below 0.1%.
- Financial Technology
- Artificial Intelligence
- AI Agents
- Data & Analytics
- Software Only
- Enterprise Software
Updated today
Funding
Raised to date
£1.7MRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Est. $2.2Macross 2 rounds
AI£1.5M · Seed
Announced Nov 2026
Disclosed cumulative: $2.2M
2/2
RoundDateAmountValuationInvestors
Founders
Product
Problem
Credit analysts and underwriters spend considerable time manually extracting and structuring data from financial statements, a process known as financial spreading. This workflow is slow, repetitive, and error-prone, delaying loan decisions and creating operational burdens for lenders. Existing credit risk assessment processes often rely on fragmented data sources and subjective judgment, leading to inconsistent decisions and hidden portfolio risks.
Solution
Crediflow AI provides an AI-powered platform that automates the entire credit underwriting workflow, from data ingestion to decision-making. The platform ingests unstructured financial documents—including PDFs, Excel workbooks, tax returns, and scanned files—and uses a proprietary agentic engine called FlowSpread to extract, standardize, and map data into a lender's specific credit template. AI then performs deep risk assessment, including ratio analysis, cash flow analysis, and trend analysis, and generates structured, decision-ready credit memos with executive summaries and recommendations. The platform also supports deal screening, business profiling, bank statement analysis, and portfolio monitoring, with each data point linked back to its source coordinate for auditability.
Target Audience
Primary customers are commercial lenders, banks, business finance consultants, and commercial brokers who need to automate financial spreading, risk assessment, and credit memo preparation for business lending.
Features
- FlowSpread agentic financial spreading engine that ingests and standardizes data from PDFs, Excel files, Word reports, tax returns, and scanned documents across multiple languages and regional reporting standards
- Source-linked verification where every data point in the final spread is mapped back to its exact coordinate in the original document for rapid audit review
- Automated credit memo generation with executive summary, financial analysis, key credit strengths and weaknesses, and approval recommendations in customizable lender-branded templates
- AI-driven risk assessment including ratio analysis, cash flow analysis, trend analysis, and debt-service coverage calculations
- Bank statement analysis that transforms messy statements into risk and credit intelligence with audit-ready output
- Deal screening and business profiling tools that evaluate borrower eligibility, policy compliance, and document verification
- API connectivity for integration with CRMs, credit bureaus, loan management platforms, and existing underwriting systems
- Automated portfolio monitoring and annual reviews with alerts for covenant breaches and weakening borrower performance