Case Studies

A US business finance company operating in a highly competitive market wanted to improve win rates without compromising credit quality. With 50,000 applications annually, speed and accuracy were critical. In this market, lenders do not just compete on pricing, they compete on  who delivers a decision fastest, and who can identify the best opportunities before competitors do.

The company’s objective was clear: make faster, more accurate credit decisions in order to become the first choice for customers and consistently cherry pick the better deals.

Using pert.AI, the company improved decision precision, increased responsiveness, and delivered measurable business impact in just 6 weeks.

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The Challenge

In business finance, when decisions are slow, fragmented, or overly conservative, the best customers are lost to faster competitors. At the same time, moving faster without improving decision quality can lead to weaker portfolio outcomes. The company needed to solve both sides of the equation: make decisions faster and make them better.

It wanted to:

• Respond faster to brokers and applicants

• Improve closing rates in a crowded market

• Predict cash flow and repayment ability more accurately

• Identify credit stacking early and avoid high-risk customers

• Prioritize the strongest opportunities more effectively

In this environment, being even slightly faster and more precise can materially improve profitability and growth.

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The Solution

The company deployed pert.AI within its existing CRM and LMS systems to optimize decisioning and prioritization.

pert.AI integrated diverse data sources, analyzed historical decisions and outcomes, and identified patterns missed by conventional models and rules. This enabled the company to move beyond static credit logic and evaluate applicants with greater precision and speed.

With pert.AI, the company was able to:

• Improve decision response times for pre-approval from 25 minutes to 3 min and final approval, from hours to 10-15 minutes

• Screen out higher-risk applicants

• Increase confidence in which deals to prioritize and approve

• Increase credit selectively where supported by borrower quality and risk profile

The result was not just faster underwriting. It was better competitive execution: responding quickly enough to win, while being selective enough to capture the better deals.

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The Results

+20–23% Closing rate uplift

+15–18% Credit increase

Faster decision response
Improved ability to engage customers early and compete more effectively

6 weeks Time to value

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Why It Matters

This case shows how pert.AI helps lenders do both. By enabling faster, more accurate decisions, better prediction of cash flow and repayment ability, and earlier detection of credit stacking, pert.AI helps business finance providers improve conversion, increase credit intelligently, and strengthen their ability to win high-quality opportunities in competitive markets.