#United States #Generative AI #Southfield #SMB Lending #Credibly

Credibly's Transformative AI Patent

Credibly, a pioneering fintech company focused on small and medium-sized businesses (SMBs), has recently achieved a significant milestone by securing a patent for its proprietary AI lending platform. This groundbreaking technology is set to revolutionize the lending process, making it more efficient and accessible for SMBs across the United States.

The Importance of the Patent

On October 22, 2025, the United States Patent and Trademark Office granted Credibly U.S. Patent No. US 12,443,612 B2. This patent encompasses a proprietary computing framework along with methods integrating Generative AI with multiple trained neural networks and machine learning techniques in the underwriting process. This approval not only validates Credibly’s vision but also underscores its commitment to advancing financial technology in the SMB sector.

Historically, the underwriting process has been a labor-intensive journey for lenders, requiring excessive time and manual scrutiny. Individual underwriters would have to painstakingly assess each application, slowing down the lending cycle. Recognizing this bottleneck, Credibly harnessed the potential of AI to innovate the entire workflow, creating a faster, fully automated underwriting process.

Streamlining Underwriting

Credibly's patented system significantly enhances the accuracy and speed of underwriting. Utilizing a unique search engine that leverages Generative AI trained on a vast array of proprietary databases and historical datasets, the platform is designed to streamline the application review process. The integration of advanced AI has been pivotal in transforming conventional methods, delivering a seamless experience for entrepreneurs who require swift access to capital.

Ryan Rosett, co-founder and co-CEO of Credibly, expressed pride in this achievement, stating, "Securing this patent is a powerful validation of our team's vision to reimagine underwriting utilizing AI. This is the first search engine to apply Generative AI with multiple neural networks at scale. With this patent now issued, we're doubling down on bringing these capabilities to even more merchants and partners, helping more small business owners get funded faster."

Empowering Small Business Owners

Through this innovative technology, Credibly is positioned to provide more precise assessments of affordability and deliver financing offers tailored to individual needs. This means quicker decisions, improved risk management, and ultimately, faster access to working capital for small business owners. Minyang