avexo·credit
AI-native lending infrastructure

Manual processes don't scale. Neither does quality.

Avexo is the underwriting and analytics infrastructure that runs the whole book, from the first lead to the loss you did not see coming. It sources sharper, underwrites deeper, and shows you where the business is stuck.
Enabling technology. The credit call stays with you.
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The whole book

One line runs the whole book. We instrument all of it.

Every lender already runs this funnel. Avexo puts purpose-built agents along it, one job each, so nothing goes dark after the loan is booked, and you can see exactly where the book leaks: in the leads you waste, the files you underwrite thin, or the risk that slips through after disbursal.

01LeadPre-qualify and route the enquiry
02UnderwriteScore against your policy, with the full data picture
03DisburseDecision and drawdown, with an audit trail
04MonitorTrack the portfolio and lead quality as it moves
05InsightAsk why. Get an answer grounded in your own data
Lead intelligenceSales
A lead-intelligence agent fills the funnel with prospects that fit your policy.
UnderwritingRisk
Reads the full data picture, applies your rules, and decides with a complete trail.
Analytics · agentsStrategy
Purpose-built agents ride the book, so you can interrogate it in plain language.
Where it hits first

Two teams feel it before anyone else.

The same infrastructure looks different depending on the problem you own. Start with the one that keeps you up at night.

Sales

Book more, book cleaner

Reps work leads half-blind: a name, a number, and whatever Google shows. No read on what the company needs, whether it fits your book, or which product to put in front of it. Good leads get declined for arriving through the wrong door. The sales view Risk & Underwriting

Faster decisions, your policy

Depth depends on who opened the file this morning. The network layer gets skipped because it is slow by hand. The least-auditable checks are the ones that sink you three months later in DPD. The risk view
What we cover

Every product on your shelf, underwritten.

We help you source, underwrite, monitor, and shape policy across the products you already run, mapped to the names your market actually uses. Secured or unsecured, consumer or business. This is not a shallow, one-size scorecard: the engine knows the product.

Source Underwrite Monitor Shape policy
Term loansbusiness and MSME, secured or unsecured
Working capitalcash credit and overdraft facilities
Invoice and bill discountingreceivables finance
Supply-chain financevendor and dealer programmes
Loan against propertyand other secured facilities
Equipment and asset financeplant, machinery, vehicles
Merchant cash advanceturnover-linked funding
Unsecured business and consumerpersonal and small-ticket loans
Real impact, fast

Live in three months. The numbers move from there.

You are not buying a research project. We fit the specialised agents to your policy and your book, the impact shows up in the metrics that matter, and you keep the infrastructure to build on.

+15%lead-to-disbursal ratio
-80%underwriting turnaround time
3 mofrom kickoff to live

A fintech lender, around $300M in assets under management.

How

The agents already exist

Because the lead-intelligence, underwriting, and analyst agents are already built and calibrated, we adapt them to your policy and your data instead of starting from a blank page. That is how three months is possible.

Yours to keep

You own the infrastructure

We fit the agents to your book, hand you the AI infrastructure, and train your team to run it. You get a foundation to build further on later, not a black box you rent forever.

Pricing

You pay for the result

You pay half up front. The other half is due only when the agreed KPI is delivered. If the result does not land, you do not pay for it.

See a real underwriting run and the numbers.

Tailored data sources for your market, sample cases, and the full proposal are shared privately on request.

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