AI Underwriting that Fits Your World
From MCA and alternative lending to banking, insurance, healthcare, logistics, and more — Unified Minds tailors AI underwriting to the way your business actually works. Clear decisions, faster approvals, and lower risk — without the guesswork.
Purpose-Built AI for High‑Velocity Underwriting
We go deeper on MCA because speed and accuracy win deals. Our AI ingests statements, analyzes cash flow, flags risk, and recommends offers — in minutes, not days.
What MCA teams get with Unified Minds
- Statement parsing in seconds. Auto-extract deposits, chargebacks, fees, and seasonality across banks and processors.
- Cash‑flow & coverage scoring. AI measures volatility, daily balances, NSFs, and true repayment capacity.
- Risk signals that matter. Stacking, split-processing, sudden volume spikes, and negative trends are surfaced clearly.
- Offer fit engine. Recommend amount, factor, and remittance that match your risk policy — automatically.
- Built‑in fraud checks. Identity, velocity, device, and bank data cross‑checks to reduce early defaults.
Bank & Processor Data
Secure connectors for bank statements and merchant processors. Normalize and unify across sources.
- Multi-bank ingestion
- Chargeback & fee mapping
- Gross vs net reconciliation
Policy‑Aligned Scoring
We codify your underwriting rules and risk appetite — not a generic score.
- Custom thresholds
- Explainable decisions
- Audit‑ready exports
Broker & Lender Workflow
Intake, decisioning, and lender routing in one flow — fewer handoffs, faster closes.
- Smart document requests
- Automated lender matching
- One‑click submissions
AI Underwriting for Every Decision‑Heavy Industry
We adapt our platform to your data, policies, and workflow. Here's how we help across key sectors.
Banking & Credit Unions
Automate SMB and consumer credit decisions with transparent, policy‑driven models.
- KYC/AML enrichment
- Income & cash‑flow verification
- Portfolio risk monitoring
Insurance
Quote, bind, and claims triage with explainable risk scoring that reduces leakage.
- Fraud & anomaly detection
- Loss propensity models
- Underwriter copilots
Auto Finance
Instant income verification and risk‑aligned offers for prime and near‑prime borrowers.
- Dealer fraud checks
- Payment-to-income fit
- Early risk alerts
E‑commerce & BNPL
Real‑time underwriting using first‑party purchase behavior — reduce chargebacks, boost approvals.
- Device & velocity signals
- Refund/return risk
- A/B policy testing
Healthcare & MedFin
Patient finance, claims review, and provider risk with PHI‑safe pipelines.
- HIPAA‑aware workflows
- Eligibility & benefits checks
- Claims anomaly scoring
Logistics & Trade
Finance freight, inventory, and invoices with real‑time risk signals across the supply chain.
- Invoice fraud detection
- Days‑to‑pay forecasting
- Carrier reliability scores
Underwriting, Accelerated — Without Losing Control
Every deployment is policy‑aligned, auditable, and secure. Choose the modules that fit your workflow today and scale up as you grow.
Identity & Fraud
Device, IP, velocity, and bank data cross‑checks to reduce synthetic and first‑party fraud.
Cash‑Flow & Risk Scoring
Explainable models that show the "why" behind the decision so your team can trust the outcome.
Offer & Deal Fit
Recommend amounts, terms, and remittances that align with your policy and the applicant's capacity.
Compliance & Audits
Retention policies, PII protection, audit logs, and decision exports for regulators and partners.
Ready to see AI underwriting in your world?
We'll tailor a live demo to your industry and show how Unified Minds can reduce time to decision while improving quality.