01
Every invoice, with evidence
Order, delivery proof and payment history. Every open invoice, not a sample.
INV-50021 · Pinnacle Mfg.$95,461
✓ Order⚠ Shipped✓ Pay history
No carrier record found
The AI diligence team
for asset‑based lenders.
Agents check every invoice, payment and unit of stock against the borrower’s books, bank and shipping data. See risk earlier, with evidence, in a fraction of the time.
The difference
Your software trusts the numbers.
Credbase checks them.
Less risk · Lower cost · More borrowers per analyst
Deeper
A few invoices, confirmed by phone.
Every invoice traced to order, shipment and payment.
→ Catch bad collateral before you fund it.
Faster
Deep testing waits for the next field exam.
A full re-check in less than 15 minutes, whenever you need it.
→ See trouble months sooner.
Reliable
Borrower’s numbers, spot-checked by hand.
Every check run twice. Every flag backed by evidence.
→ Decisions you can defend.
Lower cost
Analysts spend hours keying agings.
Agents do the legwork. Analysts review the flags.
→ More borrowers, same team.
An AI analyst that
does the diligence
Works beside your ABL software. Does the checking your team does by hand today.
Book a pilot01
Connect
The borrower connects books, bank and shipping data once, read-only. Make it a loan condition, like cash control.
02
Rebuild
Agents rebuild receivables, cash and stock from source transactions, not the borrower’s spreadsheet.
03
Trace & Verify
Every invoice traced to order, shipment and payment. Ineligibles, liens and stock verified too.
04
Report
Re-run it in minutes whenever you need. See what changed and why, then approve.
What we check
Six risks, checked on every
borrower, every cycle.
Each with the evidence attached.
02
Will this invoice get paid?
Each customer’s real payment record, from bank and books. Invoices likely to stall are flagged before you fund them.
Redwood Supplyterms 30 days
Pays on average in41 days
Short payments, 90 days3
⚠ $214,000 likely to pay late
03
Cash from real customers
Every payment traced to the customer’s own account. Recycled cash gets flagged.
Receipt 14 Sep$48,200
Expected payer: Pinnacle Mfg.
⚠ Paid from: Delta Holdings LLC
04
Ineligibles your rules can’t see
Affiliates, bill-and-hold, pre-billing, consignment, disputes, contras. Found in source data.
⚠ Affiliateshared officer
⚠ Billed before shipped3 invoices
✓ Contrasnone found
05
Stock that adds up
Opening + purchases − shipped should equal closing. We show the gap and where to count.
Expected from movements$4,120,000
Borrower reported$4,610,000
⚠ Gap · Warehouse B$490,000
06
Hidden dilution
Credit notes and short payments after the aging date, found in books and bank.
Reported dilution1.1%
⚠ Found in books + bank4.0%
$186,400 of credits after cut-off
Time and cost
Hours of data work,
down to minutes of review.
Agents do the gathering and matching. Your team does the judging.
| Task, per borrower, per cycle | Today | With Credbase |
|---|---|---|
| Loading reports | 10–45 min, plus setup per file format | Pulled automatically |
| Tying the aging to the books | 10–20 min; breaks chased by hand | Rebuilt and explained |
| Verifying invoices | 1–3 hrs of calls and letters, on 5–10% of invoices | Every invoice; review flags only |
| Unusual ineligibles | Carried over from the last exam | Checked every cycle |
| Stock and dilution | Taken as reported | Reconciled every cycle |
| Field exam desk work | 2–5 days on site + weeks of review, $10–15k | Done continuously; visits focus on counts |
Faster to fund
Diligence in days, not weeks.
Connect at application. The desk review starts the same day, not after a 3–4 week exam.
Grow your book
Not your collateral team.
Each analyst covers more borrowers. Smaller loans become worth doing.
What you get
Your borrowing base,
verified in minutes.
Every check, on every invoice, with your rules applied. Run it whenever you need it.
- Check before a draw or renewal
A full re-check takes minutes, not hours.
- Catch risk while there’s time to act
Alerts when availability nears a trigger, or the numbers stop adding up.
- Lend on new invoices sooner
Availability grows as soon as invoices are verified.
Plus a plain-language review each cycle, with evidence behind every line.
Acme Industries · verified in 6 min
↻ Re-check Verified availability · today
$7,620,000
Last reported · 1 Sep
$9,000,000
Availability, % of line · rebuilt from books, 30 days22%
⚠ Close to a trigger. Availability is 22% of the line; cash control starts at 20%.
⚠ The numbers don’t match. Reported sales are up 6% this month, but customer payments into the bank are down 18%.
Past due > 90 daysCross-age 50%Concentration 25%Affiliates excludedProof of shipment required
Why it moved
Sep 2026 review - −$612,000⚠ No proof of shipment14 invoices · evidence
- −$318,000⚠ Customer is an affiliateAcme Logistics LLC · evidence
- −$186,000⚠ Credit notes after the aging date22 credit notes · evidence
- −$264,000⚠ Stock gap vs purchases and shipmentsWarehouse B · evidence
✓ 1,284 invoices traced · no new liens
ApproveReturn
Trust
AI you can audit.
Lenders are right to be careful with AI. Credbase is built to be checked, line by line.
- 01 It flags. You decide.
Availability changes only when a person approves.
- 02 Every finding has a receipt.
Each flag links to the invoice, shipment, bank line or filing.
- 03 Rules where rules work.
Your formula runs as plain rules. AI only reads and matches messy data.
- 04 Every check runs twice.
Independent agents redo the work. Disagreements go to a person.
- 05 Proven on your loans first.
Tested on closed borrowing bases, against your own exam findings.
Why twice?
AI can slip on a single try. Lending can’t. So every check is repeated, cross-examined and backed by evidence you can open.
Pilot
Try it on loans
you’ve already closed.
No new system. Nothing changes for borrowers. About two weeks.
- 01 Pick 2–3 borrowers
Send past borrowing base reports and exports, or connect one borrower.
- 02 We run every check
On each past reporting period.
- 03 Compare side by side
Our findings vs your own field exam results.
For non-bank asset-based lenders. Field exam firms: let’s partner.
Book a pilot
FAQ
Questions lenders
ask us.
Does Credbase replace our ABL software?
No. Your system stays the record. We check what goes into it.
Do you replace field exams?
No. We do the desk work continuously, so visits focus on counts and judgement.
Do you value inventory?
No. Appraisers set value. We check that the stock reported adds up.
What if a borrower won’t connect their systems?
Exports work too. Many lenders make a read-only connection a loan condition.
How do you stop the AI from making mistakes?
Every check runs twice, plain rules run the formula, and every flag shows its evidence. Nothing changes without your approval.
What data do you access, and who sees it?
Read-only and borrower-authorised. Encrypted, used only for your review, never used to train shared models.
How long does setup take?
Cloud accounting connects in minutes. We draft your rules from the credit agreement; you confirm.
What does it cost?
Priced per borrower. The pilot is free.