Best credit risk AI tools

Pagaya is an AI-powered lending network that enables financial institutions to approve more loan applications with greater confidence. By integrating via API, partners can leverage Pagaya's sophisticated AI models to analyze credit risk in real-time, expanding their customer base without increasing balance sheet risk. This B2B fintech solution helps banks, credit unions, and auto lenders grow their portfolios, deepen customer relationships, and increase approval rates while maintaining full compliance and security.

CelesteAI is an agentic AI platform designed for SMB lenders to automate and optimize debt and payment collection. It uses intelligent automation, real-time analytics, and conversational AI to boost recovery rates, reduce manual workload, and maintain compliance. The platform is purpose-built for the complexities of SMB financing, including loans, merchant cash advances, and factoring.