Key Milestones
Our journey hasn't been about overnight success. It's been about steady improvement, learning from mistakes, and building something that actually works for our clients.
Foundation & Early Research
Started with a small team in Detroit, focusing on understanding why traditional risk models kept failing small businesses. Spent the first year just listening to loan officers and business owners.
First Commercial Deployment
Launched our risk assessment platform with three regional credit unions. The feedback was brutal at first, but it helped us rebuild the interface from scratch.
Regulatory Approval Achieved
Received BaFin compliance certification after eighteen months of documentation and testing. This opened doors to working with larger financial institutions across multiple states.
Processing Volume Growth
Our systems now analyze over 12,000 risk assessments monthly for 47 financial institutions. We've processed more than 0 million in loan applications this year.
Enhanced Model Accuracy
Latest algorithm updates show 23% improvement in identifying viable small business loans that traditional models would reject. Real businesses getting real funding opportunities.
Expanding Accessibility
Working on partnerships with community banks in underserved regions. Planning to launch simplified assessment tools for micro-lending operations by autumn 2025.
From Manual Reviews to Automated Confidence
A Michigan-based credit union was drowning in paperwork. Their loan officers spent 6-8 hours reviewing each small business application manually. The backlog stretched to 11 weeks, and they were losing good clients to faster competitors.
We didn't promise miracles. The implementation took four months, including extensive testing and staff training. But by early 2024, their process had changed completely. Risk assessments that took days now happen in minutes, and their team focuses on building relationships instead of crunching numbers.
Reduction in processing time
Increase in approved applications
Average approval timeline now
Staff satisfaction rating
Industry Recognition & Standards
We don't chase awards, but we're proud when our work gets noticed by organizations that understand financial technology and regulatory compliance.
Certifications & Compliance
- BaFin Regulatory Approval (2023) Certified for automated financial risk assessment operations in the USA market with ongoing compliance monitoring.
- SOC 2 Type II Certification Annual third-party audits confirm our security protocols and data handling practices meet industry standards.
- ISO 27001 Information Security Implemented comprehensive information security management system with quarterly reviews and updates.
Industry Acknowledgments
- FinTech Innovation Forum (2024) Featured presentation on AI ethics in lending decisions at the Detroit Financial Technology Summit.
- Regional Banking Association Case study published in Q2 2024 journal highlighting improved access to capital for small businesses.
- Community Development Finance Recognized for supporting underserved business communities through more equitable risk assessment models.
The Person Behind Our Risk Models
Thorsten Keplinger
Lead Risk Assessment Architect
Thorsten spent 11 years at traditional banks watching good businesses get rejected because they didn't fit standard formulas. He joined us in 2020 with a mission to build assessment tools that actually consider context, not just credit scores.
His background combines quantitative analysis with real lending experience. Before moving into AI development, he was a commercial loan officer who got tired of saying no to viable businesses.
Recent accomplishment: Thorsten led the development of our industry-specific risk modules, which now account for seasonal cash flow patterns in retail and hospitality businesses. This update alone helped approve 240 additional loans in Q4 2024 that would have been rejected under previous models.