The Automated
Credit Officer.
Building an AI underwriter? Don't let it guess. Inject audit-grade financial data, solvency ratios, and legal context directly into your decision engine.
Deterministic Data for
Probabilistic Models.
Generative AI is transforming fintech. Zint provides the Grounding Truth for autonomous credit and risk monitoring. We separate the 'creative' work from the 'critical' work (risk assessment). Give your agents instant access to 5 years of standardized P&L history, balance sheets, risk statements and more.
The "Credit Agent" Workflow
The Application
Input: CRN 12345678.
Request: £50k Loan.
The Numbers
Retrieve historical P&L, balance sheet and creditor fields so your engine can calculate risk instantly.
The Narrative
Agent scans filed accounts sections.
Flag: "Parent Company Dependency"
The Decision
Outcome: Provisional Approval
Limit: Adjusted to £35k based on narrative risk.
Proprietary Risk Signals
The "Connected Exposure" Check
Understand who sits behind the borrower.
IF Overseas Parent OR Subsidiaries
THEN Review Connected Entities
The "Hidden Liability" Check
Know your place in the queue.
IF Fixed Charge Exists
THEN Flag: Secured Creditor Priority
The "True Cash Flow"
Revenue is vanity, Cash is reality.
CALC Operating Cash vs Booked Rev
RESULT True Liquidity
Decisions in Milliseconds.
Retrieve the source data from Zint, then generate your own assessment payload for your decision engine or manual review queue.
{
"company_name": "Atlas Haulage Ltd",
"source_calls": [
"POST /api/v1/data",
"POST /api/v1/context/accounts"
],
"credit_score": 78,
"max_recommended_exposure": 45000,
"hard_rules": {
"is_active": true,
"has_outstanding_charges": true,
"connected_entities_review_required": true
},
"financial_ratios": {
"current_ratio": 1.4,
"net_profit_margin": 0.12,
"gearing": 0.5
},
"narrative_flags": [
{
"source": "independent_auditors_report",
"flag": "CLEAN",
"snippet": "In our opinion the financial statements give a true and fair view..."
}
]
}