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Credit pre-analysis: from a full business day to minutes

Telecom carrier · deterministic engine · AI that only reads, never decides

Credit analysis for a new customer took a full business day. Almost all of that time was collection: opening seven different sources, taking screenshots, pasting them into the report. The analysis itself took minutes. The bottleneck wasn't judgement — it was moving information around.

The challenge

  • A credit decision cannot come from a model

    Beyond the regulatory risk, a conclusion without a trace is impossible to defend when someone challenges it.

  • Bureau queries cost money

    Reprocessing an analysis cannot mean paying again for data already fetched.

  • A failing source cannot halt everything

    Seven external sources mean seven points of instability; the analysis has to survive each of them.

How we solved it

  1. 01

    Four independent stages

    Data, rules, diagnosis, document. Each stage receives a finished artifact, does one thing and hands over another — which is what allows changing a rule and reprocessing without spending a bureau query again.

  2. 02

    AI only at the reading stage

    The model reads documents and screenshots and helps identify the target company among search candidates. After that, no calls. The evaluation is deterministic from end to end.

  3. 03

    A failing collector becomes a gap, not an error

    An unavailable source is recorded as missing information — and missing data is never treated as a green light.

  4. 04

    The report is assembled from a template

    No sentence in the final document is model-generated. Evidence and screenshots are attached, and every conclusion traces back to the rule that produced it.

The outcome

  • From a full business day to minutes, with a tracking number returned instantly
  • A PDF report with evidence and screenshots in the right place
  • Every conclusion traceable to the rule that generated it
  • Reprocessing without new query costs, thanks to caching and stage separation

What this architecture teaches

In any process that has to be defended — credit, tax, legal — AI pays off more as a reader than as a judge. It solves the real bottleneck, which is turning documents into structured data, while the decision stays in a rule a person can read, version and challenge.

Stack

  • n8n
  • PostgreSQL
  • Vision LLM
  • MCP
  • Collection RPA
  • PDF generation

Facing something similar?

Tell us the process you want to automate. You leave the conversation with a technical path — no commercial proposal in between.

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