Designed for How Lenders Actually Work
In the alternative lending space, traditional lending processes have historically been slow, bureaucratic, and heavily reliant on collateral and extensive documentation. Fintech innovations have streamlined these processes, but even with Open Banking, it can create overwhelming volumes of messy, hard‑to‑interpret data.
Navrisk, the AI‑native risk navigation platform, solves this problem by transforming raw bank data into clarity - revealing what truly drives business performance: cash flow health and management behaviour.
Navrisk was was built by a team of great minds with deep experience in origination and portfolio management. The product was never intended to be “just another dashboard”.
It focused on a core challenge: How do lenders really make decisions?
The team behind it studied underwriting workflows, credit papers and portfolio reviews - then designed a platform that fits naturally into those processes rather than disrupting them. The result is a user experience where lenders can:
- Move from submission to insight in minutes
- Quickly understand cashflow behaviour and liquidity resilience
- Interrogate risk without wading through raw data
Every click, view and workflow is intentional. Designed to reduce friction and increase conviction.
Navrisk Product Manager, Brandi Jess explains:
"We've taken AI and blended it with the knowledge within the (Navrisk) team to shape the product, so we don't blindly use AI results rather we have a very structured way of integrating that knowledge into our systems."
"We aimed to understand the whole process, every challenge and then build an unrivalled user experience that immediately creates value."
"The exciting piece for me is working across multiple teams, from analysis, to credit, to product, especially as their are a lot of women in the team, it's quite rare to have so many, especially in the finance field, so it's quite powerful to have strong females involved in Navrisk."
Respecting Judgement, Enhancing Confidence
A defining principle of Navrisk is its product philosophy that technology should support judgement, not override it. Navrisk has been designed to surface insights, patterns and anomalies - but always leave the final interpretation in the hands of experienced credit professionals.
By structuring data clearly and consistently, Navrisk allows lenders to:
- reach decisions faster
- justify them more clearly
- apply them more consistently across portfolios
That balance between automation and human expertise is central to why lenders trust the platform.
Navrisk General Manager, Kate Kennedy, elaborates:
"We have removed the need for an SME to present itself in a way that mirrors large corporates, which is often what lenders traditionally expect when businesses apply for funding. We take that burden away from the SME."
"We focus on the underlying bank transaction data. Businesses can link their accounts through Open Banking or upload a PDF bank statement. From that point, we do the hard work. We clean the data and present it in a format that supports lender underwriting."
"This allows lenders to make decisions more quickly. In many cases that leads to a quick yes. Sometimes the answer is no, but that can still be the correct outcome if the data shows that the level of debt would not be appropriate for the business."
Navrisk's pioneering work is setting new industry standards, making risk management more timely, transparent, and scalable for modern financial institutions.
If you would like to find out more information on Navrisk or would like to contact the team to book a DEMO, please visit: https://www.navrisk.io/
About Navrisk
Navrisk helps private credit firms stay ahead of risk with real-time insights, proven early warning indicators, and automated bank transaction monitoring. We ensure continuous access to up-to-date data, providing a unified view across bank accounts and complex company structures.
Built by industry experts, Navrisk cuts through the noise to highlight only critical risks, enabling asset managers to act quickly, reduce exposure, and scale their portfolios with confidence.
About SME Capital
SME Capital was founded to support the growing number of SMEs who face difficulty or frustration in accessing capital through traditional methods. We understand the importance of real and trusted relationships in the SME lending market and have dedicated Regional Directors based across the UK.
By combining traditional lending expertise with the latest in data analytics, we are supporting established UK SMEs with their long-term objectives and business ambitions.
