credit-decisioning
(7)
RDC.AI
RDC.AI (formerly Rich Data Co) is a Sydney-founded software company that builds an explainable AI decisioning platform for business and commercial lenders. Its cloud-native platform ingests transactional and alternative data to help banks originate, assess, monitor and manage loans faster and more transparently, producing a reason code for every decision so lenders can satisfy fair-lending and regulatory obligations. Backed by Westpac, nCino and Acorn Capital through a A$37m Series B, RDC.AI counts institutions such as M&T Bank, Westpac and BNZ among its customers and is expanding into North America.
Tarabut
Tarabut (formerly Tarabut Gateway) is the MENA region's first and largest regulated open banking platform, connecting a network of banks and fintechs through a universal API. Founded in Bahrain by Abdulla Almoayed and now headquartered in Riyadh, the company provides banking-as-a-service, embedded finance, account-to-account payments, and data-driven credit tools that let financial institutions and businesses build personalized financial products across Saudi Arabia, the UAE and Bahrain.
ChargeAfter
ChargeAfter is a fintech company that runs an embedded lending platform and multi-lender network for point-of-sale financing. Through a single integration, merchants and banks can offer shoppers personalized Buy Now Pay Later and installment options across the full credit spectrum, using a real-time waterfall engine that routes declined applications to alternative lenders to lift approval rates. Founded in 2017 by Meidad Sharon and headquartered in New York with R&D in Tel Aviv, it serves enterprise merchants and tier-one banks including partnerships with Visa, Citi, Wells Fargo and Synchrony.
Nova Credit
Nova Credit is a San Francisco-based credit infrastructure and analytics company that helps lenders extend credit responsibly to people traditional bureaus miss. Founded in 2016 by three Stanford classmates, it operates as a consumer reporting agency built around three products: Credit Passport, which translates a newcomer's international credit history into a U.S.-readable report; Cash Atlas, a cash flow underwriting tool that reads consumer-permissioned bank transaction data; and Income Navigator, which automates income and employment verification. Banks and lenders including American Express, HSBC, Chase, and PayPal use Nova Credit to reach credit-invisible and thin-file consumers.
Wholesail
Wholesail is a San Francisco fintech building the accounts receivable platform for the food and beverage supply chain. It helps food and beverage distributors onboard customers, automate collections, manage credit risk, and accept ACH and card payments so they get paid faster while keeping customer relationships intact. Founded by ex-OpenTable product and engineering leaders, the company targets the largely paper-driven, trillion-dollar US food distribution market.
Trulioo
Trulioo is a Vancouver-based global identity platform that helps banks, fintechs, marketplaces and crypto firms verify both people and businesses in seconds. Through a single API it combines KYC, KYB, AML watchlist screening, document and biometric verification, and credit decisioning, drawing on data sources that reach billions of people and hundreds of millions of businesses worldwide. The pitch is simple: prove who - and what - you are dealing with, anywhere on earth, without stitching together a dozen regional vendors.
BlueTape
BlueTape is a payments and financing platform built for the construction industry. It gives material suppliers, manufacturers, dealers and contractors the tools larger firms take for granted - trade credit, net terms up to 120 days, buy-now-pay-later for building materials, automated accounts receivable, factoring, early-payment programs and lines of credit. The goal is simple: help small and midsize construction businesses get paid faster, sell more, and finance the materials they need without the paperwork and cash-flow crunch that has long defined the trade.