AI SOLUTIONS FOR INSTANT FINANCING

Scalable SMB financing,
finally proven profitable.

Talaty reads bank statements the way a thirty-year credit veteran would — 30,000 signals per file, a decision in 3 seconds, and a written reason for every yes and every no.

• API-first
• Explainable by design
• CNDP-aligned
• Live with tier-1 lenders

THE PROBLEM

SME lending isn’t broken because SMEs are risky.
It’s broken because no human can read every file at a price that works.

SMBs are most of the economy — and banks avoid the segment. Not for lack of data: a small-business file is 200 pages of bank statements, and a human analyst reading them costs more than the loan earns. So the market prices risk it never measured.

Less than 10% of young SMBs can secure debt financing. The rest run on supplier credit, family money and hope. Hope is not a risk model.

RECEIPTS

Real impact. Real numbers.

Live in production with tier-1 financial institutions since November 2024.

THE ENGINE

From paper to verdict in four moves.

Plus a fifth that never sleeps.

1. 01 · SCAN

   Document digitization

   Bank statements and financial documents digitized with deep-AI OCR. Any statement format parsed at 90%+ accuracy — scans, photos, faxes from 1997. Bring it.

2. 02 · STRUCTURE

   Cashflow reconstruction

   Transactions extracted, cleaned, and rebuilt into standardized financial data. Every dollar gets a name, a date and a job.

3. 03 · ANALYZE

   Signal detection

   The engine hunts patterns: income stability, liquidity stress, spending discipline, growth signals. 30,000 data points per file — including the words.

4. 04 · SCORE

   Explainable decision

   Probability of default, segmentation, and a decision in seconds — with reason codes your risk committee and your regulator can actually read.

5. 05 · MONITOR

   Underwriting never sleeps

   Post-disbursement, the engine keeps reading: repayment signals, cashflow deterioration, early-warning alerts — before the default reaches your P&L.

THE DIFFERENCE

Ability says you can.
Willingness says you will.

Two businesses. Same revenue, same sector, same cashflow — the statements look identical, except for how each one pays the people it owes. After credit, one repays. The other doesn’t. Classic scores can’t tell them apart. Ours can.

WHAT WE SELL

Two ways to plug the engine into your money.

// one integration, then per-decision pricing
POST /v1/score
{ "statements": ["stmt_2026_q2.pdf"], "segment": "sme" }

// 2.9 seconds later
{ "score": 762, "pd_12m": 0.031,
  "verdict": "APPROVED",
  "reasons": ["income_regularity:high",
              "direct_debit_rejections:none_90d"] }

THE LANDSCAPE

Four ways to underwrite an SME.
Only one reads.

HIGHRISK CONTROLLOW

HIGH CONTROL · LOW EFFICIENCY

Individual human review

An analyst reads each file, one by one. The judgment is real — the throughput is whatever one person can read.

HIGH CONTROL · HIGH EFFICIENCY

Talaty

The machine reads every line of every statement, with an analyst’s judgment and the speed of automation. Explainable, on every file.

LOW CONTROL · LOW EFFICIENCY

Subsidized spray & pray

Lend broadly, analyze little, and let guarantees and subsidies absorb the losses. Works until the subsidy stops.

LOW CONTROL · HIGH EFFICIENCY

Semi-automated, rules-based

Thresholds and checklists decide fast. The statement itself is never read — behavior stays invisible.

LOWCOST EFFICIENCYHIGH

FAQ

You will ask. We already answered.

Your statements already know who will repay.
Let the machine read them. Book a meeting.

One quarter from first call to production. Bring a hard file — the machine likes a challenge.

partners@talatypay.com