Galileo
Autonomous underwriting. Decisions in 30 seconds.
AI that underwrites small-business loans. Four specialized agents verify the borrower, read the financials, apply your credit policy, and return an ECOA-compliant decision in under 30 seconds — with every step recorded and explainable.
Galileo · AI Operations
Decisioning
AI Decisions
142
today
Avg Confidence
94%
last 24h
Avg Processing
27s
per app
Agent Confidence
Decision · APP-2024-001
Acme Construction LLC
DSCR
2.52x
Confidence
94%
Processing
27s
Chain of Thought
Detective · KYB verified, no adverse media Secretary of State
Analyst · DSCR 2.52x after -20% revenue stress 2023 tax returns
Judge · Meets eligibility & size standards SBA SOP 50 10 7.1
ECOA-compliant: decision factors recorded with sources for adverse-action and fair-lending review. Approval subject to final human sign-off.
Manual underwriting takes days. Most AI underwriting is a black box that regulators won't accept. Lenders need both: speed, and decisions they can defend.
Commercial banks, credit unions, SBA 7(a) and alternative lenders — Chief Credit Officers, compliance officers, and lending operations teams — plus fintechs wanting API-first underwriting logic.
The full picture
Fast decisions — and the reasoning to defend every one of them.
- Four specialized agents — Detective, Analyst, Judge, and Supervisor — check the borrower, read the financials, make the call, and double-check it.
- Returns Approve / Decline / Conditional / Refer with a confidence score in under 30 seconds.
- Every declined application gets specific, Regulation B-compliant reasons, and every number cites its source.
- Runs as an API on top of your existing loan system, or as a complete standalone setup.
From input to audit trail.
Ingest
Application and documents arrive via API or upload; the agents start immediately.
Analyze
Detective, Analyst, and Judge run in parallel on identity, financials, and policy.
Decide
Outcome with confidence: approve, decline, conditional, or refer to a human.
Explain
The full reasoning and the adverse-action letter are generated and archived.
What it does.
Detective Agent
Runs identity, eligibility, and fraud checks on the business, with a source cited for every finding.
Analyst Agent
Reads the tax returns, builds the financials, and stress-tests repayment at -10%, -20%, and -30%.
Judge Agent
Applies your credit policy and SBA rules and returns a structured, defensible decision.
Supervisor Gate
Checks every finding before sign-off, so AI mistakes never reach a borrower.
ECOA Adverse Action
Writes Regulation B-compliant denial reasons — specific to the application, never generic.
Decision Audit Trail
Every step, source, and number is logged permanently and can be exported for regulators.