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Accend

AI credit analysis and financial statement spreading for commercial banks and fintechs

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Accend is an AI platform for financial institutions that underwrites and onboards businesses, combining automated extraction with human validation to turn financial statements into structured spreads and credit memos. It also supports business onboarding through automated web search and industry risk intelligence, with results delivered via dashboard, API, JSON, CSV and Excel.

Core capabilities include Financial Statement Spreading, AI Credit Memo, Automated Web Search, Industry Risk Intelligence, Intelligent EDD and Document Intelligence, along with an Underwriting Co-Pilot, key ratio calculation, portfolio management and auditor's notes analysis. The platform integrates via API and supports tax returns as well as audited and unaudited statements. Security controls include role-based access, multi-factor authentication or enterprise SSO, encryption in transit and at rest, and SOC 2 Type II and GDPR compliance.

Accend is built for commercial banks, fintechs and compliance, risk and credit teams. A first financial spread is offered free after signing an NDA and submitting one set of statements; demos are available for the broader platform.

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