AI Credit® Trials
Research Documentation
AI Credit® Trials Report
Complete 13-page research document detailing all nine trials, methodologies, and findings across 145 transactions totaling $150M.
AVA White Paper
Technical white paper on implementing Accelerated Virtual Analyst systems for commercial credit secured by real estate and equipment.
Evolution from Automation to Augmentation
Traditional AI Automation
Risk assessment simulators, machine learning credit management, fraud detection, predictive analytics, robotic process automation, and blockchain custody systems. Heavy mathematics proved challenging for finance professionals to integrate effectively.
Natural Language Processing
Document analysis using NLP to extract and interpret borrower information from bank statements, tax returns, and financial reports. First breakthrough toward conversational data interaction.
Generative AI Revolution
Generative AI for credit document creation and interactive AI advisors using Large Language Models. The game-changing breakthrough: skilled professionals could finally “talk to their data” through natural conversation.
The Core Scientific Catalyst
In December 2021, our $3.1M equipment financing for Core Scientific’s AI infrastructure became the defining moment. Financing critical power equipment for OpenAI’s GPU clusters exposed us to the transformative potential of Generative AI, igniting our obsession with human-AI collaboration that would drive the breakthrough discoveries in Trials 7-9.
Trials 1-6: Traditional AI Automation Era
The first six trials explored conventional AI applications across core lending operations: risk assessment simulators, machine learning credit management, fraud detection systems, predictive default analytics, and robotic process automation. Each trial tested whether traditional AI could replace manual processes in commercial lending workflows.
The mathematics-heavy approach proved challenging for finance professionals to integrate effectively, revealing that AI’s true value wouldn’t come from automation alone. Trial 6’s blockchain document custody system exemplified this learning—while the technology solved real operational problems, humans struggled to meaningfully interpret the immutable ledger data that AI could analyze effortlessly.
This foundational period established that successful AI implementation required bridging the gap between AI capabilities and human workflows, setting the stage for the natural language breakthroughs that would define Trials 7-9.
Trials 7-9: NLP and Generative AI Revolution
Supercharged by insights from financing Core Scientific’s AI training infrastructure, Trials 7-9 marked our breakthrough from traditional automation to human-AI augmentation. Trial 7 deployed Natural Language Processing for document analysis, enabling extraction and interpretation of complex borrower data from financial statements and tax returns.
Trials 8-9 introduced Generative AI and Large Language Models for credit document creation and interactive data analysis. This revolutionary period established the “talk to your data” paradigm, where skilled finance professionals could engage with complex credit workflows through natural conversation rather than rigid software interfaces.
These final trials produced the first AI-generated credit writeups submitted for funded SBA transactions, validating that the future of commercial lending lies in amplifying human expertise through conversational AI rather than replacing it with automation.
Open Source Legacy
Following the precedent set by Google’s open-sourcing of “Attention Is All You Need,” we’ve made our AI Credit® Trials research publicly available. This foundational work in financial AI represents a mid six-figure private investment in operationalizing Generative AI for secured lending—knowledge that should benefit the entire industry.
The trials established the blueprint for human-AI collaboration in financial services, proving that the future belongs not to AI replacing humans, but to humans empowered by AI. These findings continue to drive AVA Credit’s mission of accelerating commercial lending through intelligent augmentation.