How Kapitus streamlines lending with Ocrolus’ AI-powered data and analytics
SMB | Classify, Analyze and Detect
Founded in 2006, Kapitus is one of the most experienced and trusted names in small business financing. As both a direct capital provider and through its expansive network of financing providers offering a variety of products, Kapitus has contributed over $5 billion in growth capital to over 50,000 small businesses. Kapitus, either directly or through other financing providers, offers products tailored to the needs of every small business including term loans, sales-based financing, SBA loans, equipment leases and revolving lines of credit.
Challenge
Kapitus wanted to get ahead of their manual lending process and ever-evolving fraud risks.
Solution
Kapitus is streamlining lending with automated cash flow analysis coupled with file tampering signals to strengthen fraud detection.
Result
A faster, smarter lending experience, leading to better portfolio performance and accelerated loan approvals in the past 3-5 years.
Challenge
Kapitus has always prioritized efficiency and risk management as a leading provider of small business financing. Their manual underwriting process required considerable effort to review bank statements, pull insights from cash flow and evaluate risk. Although thorough, this process was time-consuming. By adopting Ocrolus, Kapitus has streamlined these steps, enabling faster, more efficient lending decisions.
Solution
Kapitus was an early adopter of Ocrolus, recognizing its potential to transform their lending process. Through Ocrolus’ AI-powered data and analytics platform, Kapitus was able to:
- Increase underwriting speed: What once took hours of manual review is now streamlined, allowing faster decision-making and quicker loan offers to small business owners.
- Enhance cash flow insights: Ocrolus categorizes credits, debits and transaction patterns, empowering Kapitus to manage risk and make smarter AI-driven decisions.
- Mitigate fraud risk: As fraud tactics grow more sophisticated, Ocrolus helps Kapitus identify suspicious patterns, improving portfolio performance and risk management.
Result
By integrating Ocrolus into its lending process, Kapitus has significantly improved its ability to serve small business owners. Teams now receive real-time data insights enabling more meaningful conversations with borrowers about their financial health and loan options.
"The ability to quickly identify cash flow trends, identify potential fraud and provide fast, data-driven offers has been a game changer for us," says Mike Borak, Senior VP Direct Sales at Kapitus. "Ocrolus has played a significant role in improving our portfolio performance over the last 3-5 years."
With small business lending evolving rapidly, Kapitus remains focused on staying ahead of market trends, offering seamless transactions and providing the best possible experience for borrowers. With Ocrolus’ AI-powered data and analytics platform fueling their comprehensive underwriting model and credit team, Kapitus isn’t just keeping up; they’re leading the way.
Ocrolus has enabled small business owners to get an offer that much quicker, and it's really helped secure our underwriting processes.”