One platform for the full lending lifecycle
Verify borrowers in seconds, catch fraud before funding, underwrite with conviction, and monitor your book continuously. One business identity foundation, end to end.
Trusted by lenders and credit platforms to verify, underwrite, and monitor millions of businesses.
Lenders are caught between growth targets and loss prevention. Move fast and you risk exposure to synthetic businesses and coordinated fraud. Move slow and legitimate borrowers close with a competitor. Middesk removes the tradeoff.
The cost of manual lending decisions
Of applications require manual review
Of legitimate borrowers falsely declined, resulting in lost revenue
Average days to fund a small business loan through manual processes
From application to portfolio, covered
Instant KYB verification powered by direct IRS and SOS connections. Sole proprietors, new formations, and DBAs verified where legacy tools return nothing. Auto-approve low-risk applications and route complex ones to review with full context.
Shell company detection, synthetic business identification, and entity relationship graphs that reveal coordinated rings. AI agents investigate suspicious patterns and deliver case-ready conclusions before any money moves.
Ownership transfers, registration lapses, new liens, and financial distress flagged in real time. Catch deterioration between origination and renewal, before it hits your loss rates.
Core lending features
Single identity foundation
One business record powers onboarding, fraud detection, underwriting, and monitoring. No reconciling across vendors.
Unmatched borrower coverage
Coverage includes day-of-formation businesses, sole proprietors, DBAs, and complex multi-entity structures. 100% US coverage across every entity type.
Credit and lien screening
Secretary of State UCC filings, active liens, judgments, and bankruptcies, surfaced automatically for every borrower. Know what's encumbering a business before you commit capital.
UCC filing and terminations
File, amend, and terminate UCC-1 financing statements directly through Middesk. Protect your security interest from origination through payoff without managing state filings manually.
AI agents across the lifecycle
Investigate verification gaps, resolve fraud alerts, assemble underwriting files, and flag portfolio changes, autonomously.
Audit-ready at every step
Timestamped decisions, source attribution, and explainable results. Built for examiner review and credit committee defensibility.
We're projecting a 20% reduction in overall underwriting time with Middesk
Fora Financial has deployed $4 billion to 55,000+ small businesses by approving loans in under 24 hours. Manual processes and data quality issues were quietly slowing their team down. Middesk automated industry classification, surfaced digital fraud signals legacy providers couldn't, and gave underwriters the tools to focus on judgment, not data assembly.
Brian Seaman
Vice President of Underwriting, Fora Financial
20%
Projected reduction in overall underwriting time
60%
Of declined deals that failed industry classification now caught automatically
>24 hours
Time to approve and fund, maintained at scale with less manual effort
Connect Middesk to the partners your team already uses
Every lending signal in a single API call
Skip the vendor sprawl. Middesk's API delivers verified borrower identity, pre-funding fraud detection, and continuous portfolio monitoring — embedded directly in your LOS or decisioning engine. No reconciliation. No rip-and-replace.
