Know the risk before
you extend credit
Bankruptcies, liens, judgments, UCCs, ownership structures. Middesk searches, synthesizes, and resolves so your team focuses on credit decisions, not data collection.
Lenders and vertical platforms underwrite millions of businesses through Middesk.
Payment history doesn't tell you if the business is still operating, who controls it, or whether a lien was filed last week. That gap lives in your manual review queue. Meanwhile, your borrowers are approving with a competitor.
The cost of days-long credit decisions
Of all applications stuck in manual review
Hours to decision on average
Minutes per application in manual data assembly
The intelligence layer between application and decision
Business identity verified before credit screenings begin. Accurate customer information means higher quality results and more accurate decisions.
Ownership mapped through our entity graph. Liens, judgments, bankruptcies, and UCCs connected to the business and its principals. Risk visible across the full corporate structure.
Inconclusive checks don't stall in queue. Agents pull additional sources, resolve discrepancies, and deliver decision-ready files to accelerate time to decision.
The underwriting data suite
Business entity verification
Legal name, DBA, entity type, formation date, address validation, and good standing across all 50 states.
Financial health
UCC liens, judgments, bankruptcies, and tax liens identified. AI agents investigate findings and interpret risks.
Ownership and control
Officer and director information and ownership structure mapping to identify signatory authority.
Business relationships
Corporate structures mapped to identify relevant secured parties and guarantors.
UCC management
File, amend, and terminate UCCs. Ensure liens are accurate and filed with identity data and search to reflect verification.
Monitoring
Real time updates on bankruptcies, dissolutions, UCCs, and other relevant signals.
The assumption in this industry is that moving fast means taking on more risk. Middesk removed that tradeoff for us.
Before Middesk, altbanq's verification stack was functional but fragmented. KYB, UCC searches, lien checks — each one a separate system, a separate handoff, a separate delay. Credit teams passed requests to operations. Operations ran searches manually and passed results back. Every deal moved at the speed of those handoffs. With Middesk, altbanq now funds businesses the same day they apply.
Samuel Twersky
Chief Risk Officer
<24
Hours to make funding decisions
0
Manual handoffs for UCC searches
Fits into your existing underwriting stack
Underwrite smarter. One API call.
One request to conduct business verification, explore ownership structure, conduct credit screenings, and automate the UCC process.
