cash-flow-modeling
(2)
Cardo AI
Cardo AI is a fintech company building the operating system for asset-based finance and private credit. Its platform unifies deals, collateral data, workflows, cash-flow modeling, and reporting into a single system purpose-built for the operational demands of structured credit - replacing spreadsheets and fragmented tools used by asset managers, bank lenders, credit originators, and fund administrators. Founded in 2018 by Altin Kadareja and Euron Metaliaj, the company runs technology across more than $100B in asset volume and raised a $15M Series A in November 2024 co-led by Blackstone Innovations Investments, FINTOP Capital, and JAM FINTOP.
Accend
Accend builds human-in-the-loop AI agents that automate commercial credit underwriting for banks and fintechs. The San Francisco startup, founded in 2023 by ex-Brex risk operators, ingests financial documents and tax filings, spreads financial statements, models cash flow, and drafts credit memos - with every AI-generated spread reviewed by human analysts. Customers report application processing times cut by up to 80%, and the company positions itself as a replacement for offshore BPO spreading teams.