Faster clarity for the customer, stronger files for the seller, better applications for the financing partner. An AI credit officer does the groundwork, the financing partner's model weighs, and a person decides.
The same engine, but what is at stake differs on either side.
The same file, three different gains. And because all parties work in it together, nobody has to phone to find out where it is stuck.
No days of waiting for an answer that may well be no. They see straight away what is possible, what it means per month and what is still needed to close it.
What is expected of them, the file asks them directly. They upload it there and bring in their accountant or their partner, without mails to dig back up.
Financing stops braking the sale and becomes part of it. Files close sooner, stock turns faster and stands still less: more sales with the same people.
They no longer sit between the buyer and the financing partner. They see who has to act and what is missing, without calling anyone to find out.
Complete, with the source behind every figure and the audit trail attached. Less manual checking, and a decision that comes faster and with more confidence.
If something is missing after all, they ask for it in the file itself and the answer comes back in the same place. No mail thread for one document.
The groundwork on a file is looking up, reading and comparing. Here an AI credit officer does it: it queries the sources, reads the documents that came in and writes the reasoning.
Every finding carries its source, the time and the quote. What comes out goes through the weighted model and through the financing partner's knock-outs, and the decision stays with them.
What working faster and more completely gives you in practice.
Fewer applications that stall on a missing document or on an answer that arrives too late.
Days between application and signature rather than weeks, because nobody has to wait on anyone.
Documents are requested precisely and checks happen once, not again on both sides.
Files leave complete and reasoned, and whoever does not get through yet gets the way there.
More closed sales per seller and per analyst, without adding people to the process.
Not separate steps that know nothing of each other, but one file that travels the whole chain and stays provable at every step.
An enterprise number or personal details are enough. The AI credit officer pulls the annual accounts, the VAT status, Official Gazette publications and the directors, and turn that into one clear score with transparent reasoning, so your file starts from a complete and checked picture before it even reaches the financing partners.
Missing pieces are requested precisely: payslips, identity documents, annual accounts. Every upload is logged, so nobody has to reconstruct afterwards who supplied what.
Your financing partners' rate cards do the maths: terms, residual values, first increased instalment, price windows. You see the offers that are actually reachable, ranked, and what goes ahead leaves as one file ready to be judged. The decision stays with the financing partner.
Adefin shows straight away which elements determine the score and where the openings are to strengthen a file. So you see not only the current assessment, but also which adjustments can lead to a better band, and so to better terms.
For every file we look for the solution that fits best. A personal guarantee, a higher first instalment or additional financial information can open new possibilities and strengthen the file where it counts.
We handle identity documents, income data and credit decisions. The standards that come with that sit in the design from the first line of code.
Who did what and when, from first request to signature. Every document carries a unique fingerprint, so it stands later which version was signed.
An integrity check against the official lists of the EU, the UN, OFAC and Belgium, topped up with research that quotes its source. Never a flag without a reference.
ISO/IEC 27001 and 27701, ISO/IEC 42001 for the AI management system and SOC 2 Type II. The EU AI Act classes credit assessment as high-risk, and the build reflects that.
The buyer sees their file, the seller sees theirs, the financing partner sees what it needs to decide. What a party has no business seeing, it does not see.
Adefin builds the infrastructure under financing and leasing: the solvability check, the file that puts itself together, and the link between the seller and their financing partners.
We sell nothing ourselves and we lend nothing ourselves. We make sure the two parties who do reach a decision faster, with the same figures in front of them.
No. Adefin does not lend and carries no risk. We are the layer in between: we build the file, we check it and we put it in front of the financing partners the seller works with. The decision, the rate and the contract stay with them.
No. The model and the file are not tied to one kind of asset: machines, equipment, installations or fit-outs take the same route. What you sell sets the amounts and the residuals, not how it works.
Tell us who you are and who you work with. We show the platform on your actual situation, not on a demo file.