Trusted by 500+ Funding Professionals

The Automated Lending
Operating System

Approve in under 45 seconds. AI-powered risk scoring, instant offer building, and seamless merchant checkout. All in one ecosystem.

$2.4B+ Deals Processed
45s Avg. Approval Time
99.2% Uptime SLA
Risk Score
54
Tier C - Mid-Prime
FICO
10/30
Behavior
11/30
Revenue
14/20
Time in Biz
9/10
Buffer
10/10
Max Funding
$155,000
Factor Rate
1.28x
Ecosystem View

One Deal, Three Perspectives

Complete Control

Complete Control for Lenders

Adjust terms, rates, and fees in real-time. See the impact on payback and commissions instantly.

Lender Dashboard
Risk Score
74
$155,000
Approved Amount
Max Funding Amount$155,000
Max Term Length10 Months
Buy Rate1.20x
Sell Rate1.28x
Origination Fee2.0%
Total Payback$198,400
Daily Payment$945
Lender Profit$15,500
ISO Commission$0
Partner View

Empower Your ISOs

ISOs get a dedicated portal to adjust their commission within your parameters.

Commission Dashboard
Earnings
$10.9k
$10,850
Total Commission
Funding Amount$155,000
$25k Max: $155k
Term10 Months
3 mo Max: 10 mo
Upsell Points+7 pts
0 pts Max: 8 pts
Sell Rate1.35x
Points Income$10,850
Net to Merchant$151,900
Viewed by Client
Client Experience

Transparent Offers for Clients

Clients see exactly what they get - funding amount, daily payments, and total cost. No hidden fees.

Your Funding Offer
Payback
$198k
$151,900
You Receive
How Much Do You Need?$155,000
$25k Max: $155k
Repayment Term10 Months
(Terms set by your funding partner)
Payment Breakdown
Principal
Cost
Principal: $151,900
Funding Cost: $46,500
Daily Payment $945
Total Payback $198,400
Total Cost of Funding $46,500
Estimated APR 37%

By accepting, you agree to the terms outlined in your funding agreement.

Underwriting Dashboard

Pipeline Board
New
3
Metro Deli Corp B
$85,000
Score: 72 2m ago
Quick Stop LLC C
$45,000
Score: 58 5m ago
Harbor View Rest. A
$155,000
Score: 86 8m ago
Processing
2
Sunrise Bakery B
$67,500
Score: 74 12m ago
City Auto Repair C
$52,000
Score: 61 18m ago
Review
2
Prime Logistics D
$38,000
Score: 44 25m ago
Coastal Seafood B
$92,000
Score: 69 32m ago
Approved
4
Apex Construction A
$175,000
Score: 88 1h ago
Garden Fresh Mkt B
$78,000
Score: 76 2h ago
Urban Fitness A
$120,000
Score: 82 3h ago
Tech Solutions C
$55,000
Score: 64 4h ago
Declined
2
Night Owl Bar E
$25,000
Score: 28 1h ago
Lucky Penny E
$0
FICO <500 2h ago
Deal Tracker
Business Name Status Score Tier Amount Term ISO Updated
Metro Deli Corp New
72
B $85,000 10 mo J. Smith 2m ago
Quick Stop LLC New
58
C $45,000 8 mo M. Chen 5m ago
Harbor View Restaurant New
86
A $155,000 12 mo A. Davis 8m ago
Sunrise Bakery Processing
74
B $67,500 9 mo J. Smith 12m ago
Prime Logistics Review
44
D $38,000 6 mo R. Johnson 25m ago
Apex Construction Approved
88
A $175,000 12 mo M. Chen 1h ago
Night Owl Bar Declined
28
E $25,000 - A. Davis 1h ago
v4.2

AblesAI Scoring Model

ABLESAI V4.1 CREDIT ENGINE
ABLESAI SCORE
74/100
B
STANDARD
SCORE BREAKDOWN
Credit Score
18/30
Behavior (2 events)
24/30
Revenue
11/20
Stability
10/10
Buffer (12%)
10/10
E <35
D 35+
C 50+
B 65+
A 80+
Score Calculator
Adjust inputs to simulate underwriting outcomes
74/100
B
Standard
E <35
D 35+
C 50+
B 65+
A 80+
FICO Score 18 pts
680
400 850
Knockout: <500
Risk Events 24 pts
2
0 15+
Knockout: >10
Monthly Rev 14 pts
$58K
$5K $200K
Knockout: <$7.5K
Time in Biz 10 pts
36 mo
0 mo 5+ yrs
Buffer (ADB/Rev) 8 pts
12%
0% 25%+
Factor Rate 1.28x
Max Term 10 mo
LTV Multiple 1.00x
Est. Approval $58,000
Score Range & Tiers
A
Prime
Factor: 1.18-1.24 | Term: 12 mo
80-100 pts
B
Standard
Factor: 1.25-1.32 | Term: 10 mo
65-79 pts
C
Mid-Prime
Factor: 1.28-1.38 | Term: 9 mo
50-64 pts
D
Elevated Risk
Factor: 1.32-1.42 | Term: 6 mo
35-49 pts
E
High Risk
Factor: 1.40-1.55 | Term: 4 mo
0-34 pts
Score Weight Distribution 100 pts
30
Credit Score (FICO)
Traditional credit quality indicator
30
Behavior (Risk Events)
NSF/Overdrafts + Negative Balance Days
20
Revenue (Monthly Deposits)
Business cash flow capacity
10
Stability (Time in Business)
Business maturity and track record
10
Buffer (ADB / Revenue Ratio)
Cash reserve as safety cushion
Scoring Components
30 Credit Score (FICO)
Knockout: <500
( FICO - 500 ) / 300 x 30
30 Behavior (Risk Events)
Knockout: >10 events
30 - ( events x 3 )
20 Revenue (Monthly Deposits)
Knockout: <$7,500
( ( Rev - 7500 ) / 92500 ) x 20
Decision Rules
Automatic Declines
  • FICO score below 500
  • Monthly revenue below $7,500
  • More than 10 risk events
  • Qualified amount below $10,000
Safety Valves
  • FICO < 600 = Maximum Tier C
  • FICO < 550 = Maximum Tier D
  • FICO < 520 = Forced to Tier E
Triple-Constraint Sizing

Final funding amount is the minimum of three independent caps:

LTV
Revenue Cap
Monthly Revenue x Tier Multiple
ADB
Balance Cap
Avg Daily Balance x Tier Multiple
DCF
Capacity Cap
Max Daily Payment x Avg Days
Process

How It Works

From document upload to funding decision in under 45 seconds.

1

Upload Statements

Drag and drop bank statements. We support PDF, CSV, and direct bank connections via Plaid.

2

AI Analysis

Our engine extracts transactions, calculates metrics, and generates a 5-component risk score.

3

Generate Offer

Auto-generate funding offers with configurable terms, rates, and commission structures.

4

Close the Deal

Send branded offers to clients. Track acceptance and sync to your CRM automatically.

Capabilities

Built for Scale

Everything you need to automate underwriting from end to end.

Real-Time Analytics

Live dashboards showing deal flow, approval rates, and portfolio performance metrics.

Bank-Level Security

SOC 2 Type II certified. All data encrypted at rest and in transit with AES-256.

API-First Design

RESTful APIs and webhooks for seamless integration with your existing tech stack.

Multi-Tier Permissions

Granular access controls for lenders, ISOs, and operations teams with full audit trails.

Custom Scoring Models

Configure weights, thresholds, and tier definitions to match your risk appetite.

White-Label Reports

Generate branded underwriting reports and offer letters with your logo and colors.

Ecosystem

Seamless Integrations

Connect to the tools you already use.

Zoho CRM
Plaid
Google Drive
Zapier
MoneyThumb
Gemini
Anthropic
OpenAI
Salesforce
HubSpot
Office 365
GitHub
Aquamark
Clear
Experian
Equifax
TransUnion
Gmail
What Our Clients Say

Trusted by Industry Leaders

"AblesAI cut our underwriting time from 2 hours to under 5 minutes. We've processed over $50M in deals through their platform with zero issues."

MR

Mike Rodriguez

CEO, Velocity Funding

"The risk scoring is incredibly accurate. Our default rates dropped 40% since implementing AblesAI's credit engine. Game changer for our operation."

SJ

Sarah Johnson

VP of Operations, CapitalFlow

"As an ISO, the portal makes my job so much easier. I can adjust commissions, share offers, and track everything in one place. My merchants love the transparency."

DT

David Thompson

Senior Broker, MerchPro Partners

Enterprise-Grade Security

Your data is protected with bank-level security and compliance

SOC 2 Type II
256-bit Encryption
GDPR Compliant
99.9% Uptime
FAQ

Common Questions

How long does integration take?

Most clients are up and running within 24-48 hours. We provide API documentation, Zapier integrations, and dedicated onboarding support to get you started quickly.

What bank statement formats do you support?

We support PDF statements from all major US banks, plus CSV and OFX formats. Our MoneyThumb integration handles parsing automatically with 99%+ accuracy.

Can I customize the risk scoring model?

Absolutely. You can adjust tier thresholds, factor weights, knockout rules, and approval parameters to match your specific underwriting criteria and risk appetite.

Do you offer white-label solutions?

Yes! Our white-label option lets you brand the entire platform with your logo, colors, and domain. Perfect for lenders who want a seamless experience for their ISOs and merchants.

What CRMs do you integrate with?

We have native integrations with Zoho CRM, Salesforce, and HubSpot. Plus, our Zapier connector works with 5,000+ apps for custom workflows.

Is there a free trial available?

Yes! We offer a 14-day free trial with full access to all features. No credit card required. You can process up to 50 test deals during the trial period.

Start Free Today

Ready to Transform Your
Underwriting Process?

Join 500+ funding professionals who close deals 3x faster with AblesAI. Start your free 14-day trial today. No credit card required.

Questions? Email us at [email protected]

×
Lender Dashboard
Risk Score
74
$155,000
Approved Amount
Max Funding Amount$155,000
Max Term Length10 Months
Payment Frequency
Factor Rate1.28x
Total Payback$198,400
Daily Payment$945
ISO Commission$0
Your Offer
Payback
$198k
$151,900
Funding Amount
Amount$155,000
$25k Max: $155k
Term10 Months
(Set by Partner)
Daily Payment$945
Total Cost$46,500
APR (Est)37%
Commission
Earnings
$10.9k
$10,850
Total Commission
Funding Amount$155,000
$25k Max: $155k
Term10 Months
3 mo Max: 10 mo
Payment Frequency
Upsell Points+7 pts
0 pts Max: 8 pts
Sell Rate1.35x
Points Income$10,850
Net to Merchant$151,900
Viewed by Client