Galileo
Autonomous underwriting. Decisions in 30 seconds.
Agentic AI that automates SME loan underwriting. Four specialized agents investigate, spread financials, apply credit policy, and produce an ECOA-compliant decision — in under 30 seconds, with a full audit trail.
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.
Traditional underwriting takes days of manual document review and analysis, while modern AI platforms are black boxes regulators won't accept. Lenders need speed without sacrificing explainability.
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
Lenders are forced to choose between fast decisions and explainable ones. Galileo refuses the trade-off. A Detective agent verifies business identity and screens for fraud; an Analyst agent spreads tax returns and computes DSCR with stress testing; a Judge agent applies your credit policy and SBA SOP; and a Supervisor agent validates every finding before anything reaches a borrower. The result is an Approve / Decline / Conditional / Refer decision with a confidence score in seconds — backed by an immutable chain-of-thought, source citations on every number, and Regulation B-compliant adverse-action reasons. It deploys as a portable API layer over your existing LOS or as a full reference implementation.
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
Full chain-of-thought and adverse-action letter generated and archived.
What it does.
Detective Agent
Autonomous KYB/KYC, eligibility, and fraud-pattern checks with a source cited for every finding.
Analyst Agent
Auto-spreads tax returns and computes DSCR with -10%, -20%, and -30% stress tests.
Judge Agent
Applies your credit policy and SBA SOP to return structured, defensible deal decisions.
Supervisor Gate
Validates every finding before sign-off so hallucinations never reach borrower-facing output.
ECOA Adverse Action
Generates Regulation B-compliant denial reasons — specific principal reasons, never generic.
Chain-of-Thought Audit
Every step, source, and number logged immutably and exportable for regulators.