Calion

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AI-powered underwriting for SME merchant cash advances

Calion underwriting dashboard with SME funding analytics

Problem

Traditional merchant cash advance (MCA) underwriting takes 3-5 days and relies on manual review of bank statements. SMEs need faster decisions. Investors need real-time portfolio visibility and risk metrics.

Solution

Built ML pipeline that scores live SME transaction data (revenue patterns, cash flow volatility, seasonal trends) to generate same-day offers. Investor dashboard shows portfolio health, repayment curves, and deal-level performance. Explainable scoring prevents black-box decisions.

Technologies Used

ReactTypeScriptPython 3.11FastAPIPostgreSQLScikit-learnPlaid API

Outcome and Impact

Processing 50+ applications/week. Average decision time reduced from 4 days to 6 hours. Default prediction accuracy 87%. Investor demo drove €250k in committed capital.

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