Decision-support, by design
Mako never approves or declines. It prepares the file; the analyst makes the call. Every claim in a summary carries a citation.
Mako
AI-assisted credit analysis for SME lenders. Documents in, traceable credit summary out.
PrototypeVisit mako.pxl.services ↗
The problem
Why this exists.
An SME loan application arrives as a stack of PDFs: months of bank statements, financial statements, management accounts. An analyst re-types the numbers into a spreadsheet before any actual analysis starts.
That work is slow, error-prone and the same every time. It's also where the risk signals hide: a customer that makes up half of all inflows, a run of returned debit orders, an overdraft that never comes down.
What it does
Four stages, one file an analyst can trust.
01
Ingest
Takes the application pack as uploaded: scanned or digital statements, financials and supporting documents.
02
Extract
Structures transactions and financial line items, and keeps a link from every figure back to its page in the source.
03
Analyse
Computes the ratios an analyst would and flags risk signals, each with the evidence that triggered it.
04
Report
Drafts a credit summary with citations, written to be checked line by line, not trusted blindly.
How it's built
Principles before features.
Traceable extraction
Figures keep their source document and page, so a reviewer can verify any number in one click.
Synthetic data only
The public demo runs on a synthetic borrower case. No real applicant data has been used.
API-first
Each stage is designed to be callable on its own, so a lender can plug extraction or analysis into an existing credit workflow.
Status
Prototype
2026
Proof of concept completed, built end to end to the same scope as the lender engagement.
2026
Fully scoped with a prospective lender at the start of the year. The engagement didn't go ahead because of university time commitments, so the scope became the proof of concept.
What's next
- An evaluation set to measure extraction accuracy per field.
- Conversations with lenders about piloting on their own document formats.
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