The Rationale
Why CreditPulse
SME lending is under pressure from two sides: too many applications and too little time to review them properly. CreditPulse resolves that tension — not by automating judgment, but by doing the analytical groundwork that makes good judgment faster.
Speed Without Shortcuts
Traditional pre-screening takes hours of manual case review. CreditPulse compresses that to minutes — not by skipping steps, but by automating the data comparison work that humans find repetitive and error-prone.
Consistency at Scale
A junior officer and a senior analyst can review the same application differently based on experience or workload. CreditPulse applies the same benchmark to every submission — grounded in real historical cases, not gut feel.
Human Oversight, Always
CreditPulse is designed to augment loan officers, not replace them. Every recommendation includes a rationale the officer can understand, challenge, and override. No automated decisions. No black boxes.
Built on Real Data
The risk model is grounded in 50 real SME loan cases across industries and geographies. It doesn't guess — it compares new applications to a documented historical baseline and explains why a case looks the way it does.
The Team
Meet the People Behind It
VK
Co-Founder & Developer
Viktor Kloefsrud
Norway
Product architecture, AI integration, and technical delivery.
MB
Co-Founder & Analyst
Mathies Bjerre
Denmark
Credit risk modeling, UX research, and SME lending domain expertise.
QR
Co-Founder & Designer
Quinn Rooney
Colorado, USA
Visual design, frontend implementation, and interaction patterns.
Our Mission
“To give every SME loan officer a second pair of eyes that never gets tired, never misses a document, and always explains its thinking — so humans can make better decisions, faster.”
Second-semester students at Geneva Business School, building CreditPulse as part of the AI Native Enterprise course — applying real AI tooling to a genuine problem in SME finance.