Notes from the build
Short lessons and longer pieces on AI intake for business lenders and MGAs.
AI-verordening en kredietverlening aan bedrijven: wat telt voor financiers
Bijlage III, punt 5(b) van de AI-verordening noemt de kredietwaardigheid van natuurlijke personen. Wat dat betekent voor een financier die aan bedrijven leent, en waar eenmanszaken en borgstellers in vallen.
28 oktober 2026 · Mike Cooper
Is AI allowed in business lending decisions?
AI can support business lending in the EU and UK. The EU AI Act, GDPR Article 22 and the UK rules bite when a person is assessed and when no human really reviews the result. Primary sources linked.
28 October 2026 · Mike Cooper
Bridging loan underwriting checklist: what a bridging lender checks
A checklist for bridging lenders: the borrower, the property, the loan terms and above all the exit. Includes a worked example of an exit test, red flags and what to automate.
28 October 2026 · Mike Cooper
How lenders underwrite an equipment lease
A lender's credit review of an equipment lease: can the business pay, what is the equipment worth, can you trust the supplier and what is the security. With red flags and a worked example.
28 October 2026 · Mike Cooper
How factoring companies assess a new client
A factoring team checks that the invoices are real, that the debtors will pay and that no one else has a claim on the debts. A practical guide to the ledger, concentration, dilution and verification.
28 October 2026 · Mike Cooper
How to spot fake or edited bank statements in a business loan file
Three tests a credit team can run on a business bank statement: the maths, the file itself and the other evidence. Plus what to ask for and what to automate.
28 October 2026 · Mike Cooper
How lenders use AI agents in 2026
What an AI agent does in business lending today: read documents, find facts, check gaps, ask for what is missing and prepare the file. How credit and insurance underwriting differ, and what stays with people.
28 October 2026 · Mike Cooper
KVK-controle bij een kredietaanvraag: wat je controleert en wat je kunt automatiseren
Wat je in het KVK-uittreksel controleert bij een zakelijke kredietaanvraag: inschrijving, bestuurders, bevoegdheid, UBO, faillissement en surseance. En welk deel een systeem voor je kan doen.
28 oktober 2026 · Mike Cooper
KYB checks for business lenders: what to check at Companies House and KVK
KYB means know your business. A plain guide to the checks a lender can run on the UK and Dutch company registers, what to ask for when they do not match, and what to automate.
28 October 2026 · Mike Cooper
Intake engineering: the job behind AI intake automation
Most intake teams don't need more people. They need requirements an AI agent can run. What intake engineering is and how to start.
23 September 2026 · Mike Cooper
AI intake agents: why one agent gets the whole file
How Klarefi's AI intake agent owns the whole case file, what happens when documents disagree, and why a citation has to support the actual answer.
21 September 2026 · Mike Cooper
Five things broker submissions miss, and when to ask
The items MGAs chase brokers for after a submission arrives, and how insurance submission intake automation asks for them during the submission.
18 September 2026 · Mike Cooper
Write your intake checklist before you buy software
Intake automation runs the rules you give it. If your checklist only lives in one person's head, write it down first. Here's how to do it in an afternoon.
16 September 2026 · Mike Cooper
Where intake time actually goes
Review takes hours. Chasing missing documents takes days. Why files arrive incomplete for lenders and insurers, and three ways to cut the follow-up rounds.
14 September 2026 · Mike Cooper
Find the gaps in five of your own files.
Send five anonymised files and get a written report on a 15-minute call. How a pilot works