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ADP — SBA & Alternative Lenders

Underwriting Speed Should Not Mean
Missing the Algorithmic Risk Signal.

The Algorithmic Default Predictor gives SBA and alternative lenders a rapid, structured intelligence report on commercial applicants — evaluating whether their revenue stream is defensible in the AI economy before the loan funds.

ADP
Algorithmic Default Predictor
3min
Report Generation Time
5
Deliverables Per Engagement
The Speed-Risk Tradeoff

Fast Lending Decisions Still Need
Forward-Looking Market Intelligence.

SBA and alternative lenders move faster than traditional banks. That speed is a competitive advantage — but it also compresses the due diligence window. The one risk that falls through every accelerated underwriting process is the one that is hardest to see: whether the applicant's revenue is being quietly eroded by algorithmic competition they cannot detect, measure, or defend against. The ADP delivers that intelligence in under three minutes.

ADP Process — SBA & Alternative Lending
1
Applicant Submitted via Secure Portal
The underwriting officer submits the applicant's business profile through the institutional intake system.
2
Rapid Algorithmic Market Scan
Agenarys executes a full hyper-local algorithmic competitive analysis across AI discovery platforms in the applicant's market.
3
Revenue Defensibility Scoring
A Revenue Defensibility Score is generated — quantifying the applicant's current algorithmic market stability.
4
Threat Velocity Assessment
Competitive threats are ranked not just by current position but by displacement velocity — identifying which competitors are gaining algorithmic market share fastest.
5
Structured Report Delivered
The Algorithmic Default Matrix is delivered as a secure document, ready for underwriting file inclusion and origination team review.

Every audit is executed by proprietary AI agents. Reports delivered as secure structured documents. No infrastructure details disclosed.

The Intelligence Process

How the Audit Works for You

Agenarys analyzes public-market signals, competitive positioning, and algorithmic visibility data to produce a structured intelligence report built specifically for your institution's decision-making framework. No marketing advice. No generic software scores. Capital-grade intelligence.

What You Receive

Structured Deliverables Built for Institutional Review

Every engagement produces a complete set of secure, structured deliverables designed for committee review, board-level presentation, and compliance documentation.

01
Revenue Defensibility Score
A rapid quantification of the applicant's algorithmic market stability — designed to integrate into fast-moving underwriting workflows.
02
Competitive Threat Profile
A ranked map of competitors actively drawing AI-routed demand away from the applicant.
03
Conversion Friction Review
Identifies revenue leakage points between consumer intent and applicant contact.
04
Local Visibility Share Analysis
Measures the applicant's current share of AI-driven local discovery demand in their category.
05
Conditional Covenant Blueprint
A framework of performance conditions that can be appended to loan terms where algorithmic instability is identified.
Why Agenarys

Intelligence Your Institution Can Act On

Built for Origination Speed
The ADP is designed to complete in under three minutes and deliver in a format that drops directly into your existing underwriting workflow without adding process overhead.
Additive, Not Disruptive
The ADP does not replace any existing underwriting tool. It adds an intelligence signal that current tools do not produce — the forward-looking algorithmic revenue picture.
Confidential at Every Stage
All applicant data, engagement details, and report contents are protected under full institutional confidentiality. Nothing leaves the engagement.
Private Engagement

Request a Private Lender Intelligence Briefing

Our institutional team will prepare a private briefing for your underwriting and origination team — covering the ADP engagement process, deliverable format, and how it fits your current workflow.

Confidential intake — secure transmission

By submitting, you confirm you represent a qualified institutional organization. No pricing is shared at this stage. All information is confidential.

Briefing Request Received

Our institutional team will review your submission and respond within 48 business hours.

All Institutional Products