Accend Launches AI Credit Analyst—Faster Underwriting, Human-Verified Accuracy
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🚀 Introducing Accend 2.0: The Future of Credit Underwriting

Pranjal Daga
June 24, 2025
First financial spread on us.
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🚀 Introducing Accend 2.0: The Future of Credit Underwriting

Pranjal Daga
June 24, 2025
First financial spread on us.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Today, we’re proud to launch Accend 2.0 — our most ambitious release yet, designed to help financial institutions modernize how they collect, spread, and analyze financial data for underwriting.

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Whether you're a fintech lender or a bank, your credit team is likely spending hours chasing financials, struggling with spreadsheets, or making high-stakes decisions based on messy data.

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We built Accend 2.0 to fix that — once and for all.

1. Frictionless Financial Data Collection with Accend Link

Collecting financials from borrowers is where friction often begins. That’s why we’re launching Accend Link — a borrower-facing portal that streamlines data collection from day one.

Borrowers can:

  • Link accounting software directly — like QuickBooks, Xero, or NetSuite
  • Or simply upload financials manually — PDFs, Excel, whatever works for them

🧘‍♂️ No more chasing documents.
🔄 No more back-and-forth.
📁 Just clean, accurate data — in the format you need.

2. Deep, Accurate, and Customizable Financial Spreading

Once the data is in, Accend gets to work.

  • AI-powered line-item classification
  • Ratio calculation and benchmarking against industry standards
  • Full analyst control — reclassify line items on the fly and build custom ratios tailored to your credit policy

No spreadsheets. No version control nightmares. Just clarity.

3. Next-Gen Credit Memos, Built in Minutes

This is where Accend 2.0 truly shines.

We automatically generate credit memos that combine:

  • 📄 Business model summaries
  • 📰 Real-time financial news
  • 📊 Financial health analysis powered by ratio performance

It's like having your smartest analyst prepare every memo — in minutes, not days.

Your team gets faster turnaround times and deeper insights — without lifting a finger.

4. Proactively Flag Risk with Case Signals

We’re also launching Case Signals, a feature that catches issues before they become problems.

With over a dozen automated checks — including:

  • Reconciliation mismatches
  • Volatility spikes
  • Abnormal ratio patterns

Accend flags anomalies the moment they appear — so your team can act fast and stay ahead of credit risk.

💡 Why It Matters

The traditional process of collecting, spreading, and analyzing borrower financials is:

  • Time-consuming
  • Prone to manual errors
  • And if done wrong, extremely risky

Accend 2.0 changes that.
We’ve rebuilt the entire workflow to be:

  • ⚡ Incredibly fast
  • 🧠 Highly accurate
  • 🧘‍♀️ Radically effortless

📞 Ready to Modernize Your Underwriting Stack?

If you’re a lender looking to move faster, underwrite smarter, and reduce risk — we’d love to show you what Accend 2.0 can do.

Talk to us to get your first financial analysis completely free!
Let’s upgrade your credit infrastructure — together.

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Win More Deals with Accend’s AI-Powered Underwriting
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AI-powered automation + human expertise
Better accuracy & deeper financial insights
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Impressive Financial Spreading That Keeps Percent Coming Back

Our team has been impressed with Accend’s financial spreading product and we look forward to continuing to explore ways to leverage it!

Prath Reddy

Prath Reddy, President @ Percent

Seamless Integration, Exceptional Accuracy, and Weeks Saved on Business Processes for Evergrow

Accend integrated seamlessly into our platform. Their accurate data extraction and ratio analysis has sped up our business processes by weeks. Furthermore, the Accend team was incredibly receptive and responsive to requests, questions and feedback as we worked out bugs and implemented our processes. Their turnaround time and customer service, along with the quality of their work, are hard to beat!

Marissa Jacobus

Director, Tax Credit Finance @ Evergrow

Accelerated Slope’s Financial Reviews by Over 4x—Unmatched Speed & Support

"Accend offers the best solution for data-driven credit teams looking to maximize insights from financial documents. Their API solution and onshore time zone support accelerate financial review more than 4x."

Russell Gu

Head of Credit Risk @ Slope

How Decentro transformed its KYB process with Accend’s industry-leading AI

"Accend’s industry-leading SaaS for business evaluation and industry risk verification has helped automate our merchant onboarding process. Their innovative product has significantly enhanced efficiency, greatly improving the onboarding experience for our payment aggregation/collection customers. Accend’s team is also very responsive and quick with iterations, which is a huge plus"

Rohit Taneja

Co-Founder & CEO @ Decentro

Leveling up TransFi’s global onboarding process with seamless business nature and industry risk verification

“Accend has allowed my team to approve onboarding applications much faster without going through tedious online searches. We serve customers globally, and it was previously a major challenge to navigate websites across various languages and jurisdictions. Thanks to Accend AI, our compliance team is not only more efficient but also noticeably more satisfied. We are also very happy with Accend's dedicated support and services.”

Raj Kamal

Founder, CEO @ TransFi

How Pleo frees its operation team from repetitive manual research with Accend

"We are thrilled to collaborate with Accend on this pioneering initiative to develop our AI-enabled KYC system. As Pleo continues to grow rapidly, our goal is to onboard more customers without adding operations headcount. With Accend's automated business nature and industry risk verification, we aim to free our analysts from repetitive manual research, enabling them to focus on quality assurance. We look forward to exploring many more innovative features together, further elevating our onboarding capabilities."

Dan Jacobson

Sr. Director, Head of Business Operations @ Pleo

Driving team efficiency, reducing over 80% of manual effort, and enhancing customer experience with Slope

"With Accend, we were able to not only find significant time savings with over 80% reduction in manual effort required, but also provide a superior experience to our customers."

Nick Heins

Head of Capital Markets @ Slope