Building Insight Intelligence: AI Agents for Credit Analysis

By Zoe, Founder and CEO of Insight Funders

Where We Started

2024 was the year AI truly disrupted industries, but as we step into 2025, it’s clear that AI adoption in finance remains a challenge. While AI has revolutionized many fields, its integration into high-accuracy, compliance-heavy sectors like lending and credit has been slower than anticipated.

The issue? The cold-start problem—financial institutions require near-perfect accuracy before adopting automation. Unlike more flexible AI applications, lending and credit underwriting leave no room for error, as underwriting mistakes can result in significant financial losses. Many AI startups have opted to focus on broader, less regulated industries, where the accuracy threshold is lower.

At Insight Funders, we took a different approach. Instead of shying away from the complexity of financial AI, we built AI agents specifically designed for private credit underwriting—a $3.5 trillion market expected to grow significantly over the next few years.

Breaking Through the Cold-Start Problem

Private credit lenders spend dozens of hours analyzing borrower data, reviewing financials, and building credit models. Due diligence is slow, manual, and costly.

That’s where we come in. Insight Intelligence is our AI-powered system designed to automate financial due diligence, streamline underwriting, and optimize lender decision-making.

By focusing solely on private credit, we leverage domain expertise and AI to deliver highly accurate, lender-ready credit insights—eliminating inefficiencies that slow down deal flow.

Here’s how Insight Intelligence is transforming private credit:

• Automated Due Diligence: AI agents process financial statements, contracts, and operational data, reducing the time required for review.

• Risk Assessment & Underwriting: AI credit analysts analyze risk, leveraging machine learning to detect patterns traditional methods might miss.

• Data-Driven Credit Decisions: AI agents assess borrower risk in real-time, providing lenders with actionable insights and reducing reliance on manual analysis.

The result? Lenders make faster, more confident investment decisions, while borrowers get access to capital with less friction.

How It Works: AI Agents for Finance

Insight Intelligence isn’t just an AI model—it’s an agentic system that autonomously completes complex financial analysis tasks.

Much like a financial analyst, our AI agents:

1. Plan & Execute: The AI agents determine the steps needed to complete underwriting.

2. Use Specialized Tools: Agents extract financial insights, assess borrower risk, and benchmark data.

3. Refine & Verify: The AI continuously improves accuracy by integrating real-time lender feedback.

A high-level view of Insight Intelligence’s AI-powered workflow:

Coordinator AI: Oversees the underwriting process and delegates tasks.
Financial Data AI: Extracts and analyzes financial statements, credit histories, and operational performance.
Market Risk AI: Assesses external economic factors that may impact borrower performance.
Contract Analysis AI: Reviews legal agreements to detect potential risks in loan structuring.

With these AI agents working in tandem, lenders receive detailed, accurate underwriting reports in a fraction of the time.

Why Now? The Private Credit Opportunity

Private credit is one of the fastest-growing sectors in finance, with the market projected to reach $3.5 trillion by 2028. However, underwriting and due diligence haven’t kept pace with this growth.

Lenders struggle with:

• Slow, expensive manual underwriting processes

• Lack of data transparency and borrower insights

• High operational costs due to human analysts

Insight Intelligence solves these challenges by replacing manual underwriting with AI-driven analysis, reducing costs and accelerating deal flow.

Built for the Private Credit Ecosystem

Unlike general-purpose AI tools, Insight Intelligence is purpose-built for private credit and integrates directly into lending workflows.

Our system continuously improves by learning from lender feedback, creating a flywheel effect that enhances accuracy over time:

1. More lenders onboard → More underwriting data → AI models improve

2. Higher accuracy → Faster adoption → More deal flow

What’s Next?

Insight Funders is at the forefront of AI-driven private credit. Our AI agents are live, and we are actively working with lenders to refine and enhance the platform.

We’re partnering with:
Institutional lenders looking to scale underwriting efficiency
Venture debt funds seeking automated risk analysis
Family offices & private credit firms wanting AI-powered due diligence

The private credit market is evolving fast, and AI will be the driving force behind its next phase of growth.

If you’re an investor, lender, or private credit professional, we’d love to connect.

📩 Get in touch to learn more about Insight Intelligence.