Liberis launches Ada, a proprietary AI underwriting agent that halves manual decision time in complex cases and enhances accuracy by uncovering hidden risk and bias. Ada enhances accuracy, uncovers hidden risk and bias, and reduces manual decision time in complex cases by 50%. Since 2007, Liberis has funded over 50,000 small businesses with over $3bn.
Liberis, a leading global embedded finance platform, announced the launch of its proprietary AI underwriting agent, Ada. Designed to supercharge underwriting teams by eliminating repetitive manual tasks and accelerating funding decisions for businesses, „Ada represents a major advancement in automated credit decisioning” – according to the press release.
Built in-house by Liberis’ AI development teams, and named after English mathematician and computer programming pioneer, Ada Lovelace, the new AI underwriting agent ingests and analyses financial, compliance, and digital footprint data in real-time. Ada then automatically surfaces key risk factors, trends, and anomalies to support human underwriters. Ada learns from underwriter feedback and continuously improves decision accuracy over time.
Faster, More Consistent Credit Decisions
Liberis has been investing in AI for six years, and 85% of its financing decisions are already automated. However, manual underwriters are used for more complex cases. In those scenarios, underwriting accounts for nearly half (48%) of application processing time. Ada directly tackles these inefficiencies by automating data analysis across multiple sources including open banking data, Companies House records, credit bureau information, and digital footprint indicators.
The system’s advanced architecture features five integrated layers:
. Data ingestion – where raw data is standardised, validated, and enriched.
. Feature engineering – Ada converts this data into structured signals used for risk assessment such as revenue trends and compliance triggers.
. Decision support – Ada uses business rules and model outputs to generate risk summaries, suggested actions and confidence scores
. Human feedback loops – underwriters review Ada’s suggestions and make final decisions. Interactions are recorded to fine-tune business logic and model parameters
. Delivery systems – critical insights are surfaced through Liberis’ Vector platform.
Measurable Impact
Early projections indicate the Ada will deliver a 50% reduction in manual decision time for complex cases, while improving accuracy by correcting for human bias and blind spots. To uncover hidden risks, Ada is being trained on previously approved applications where merchants later defaulted. Conversely, Ada is also being used to reassess declined applications to determine whether any customers were unfairly excluded from lending.
„Ada’s value goes far beyond just time savings. As humans, we all have biases and blind spots. Ada helps us uncover those. It flags what we might have missed and brings those risks to the surface, improves fairness, and helps us learn from past decisions,” said Rob Straathof, CEO of Liberis. “As our business continues to grow, the complexity of the funding decisions our underwriting team has to make increases commensurately. Ada will help cut through that complexity and enable us to continue helping small businesses access the funding they require at the pace they need it.”
Strategic Foundation for Scalable Growth
The launch of Ada marks the first phase of Liberis’ broader vision to develop a sophisticated multi-agent orchestration platform. As the company pursues ambitious growth targets and onboards new partners, this modular AI system will provide the operational scalability needed to handle increasing deal complexity without proportional overhead increases.
The timing of Ada’s launch reflects Liberis’ strategic investment in data maturity and AI capabilities, leveraging stable large language models and comprehensive data integrations to meet rising business demand for faster, lower-risk funding decisions.
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Liberis is on a mission to unleash the power of small businesses all over the world – delivering the financial products they need to grow through a network of global partners.
At its core, Liberis is a technology-driven company, bridging the gap between finance and small businesses. They use data and insights to help partners understand their customers’ real time needs and tech to offer tailor-made financial products. Empowering small businesses to grow and keep their independent spirit alive is central to their vision.
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