inferMal: Empowering Modern Lending

Transform your lending with our Continuous Risk Evaluation Platform, Empowering Lenders, PE and NBFIs to make better up front and ongoing risk decisions, to grow and manage their lending portfolios safely.

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Our Solutions

Embedded Risk Evaluation

Unlock real-time, continuous risk assessment through integration with over 1,300 back-office and alternative data sources. Our proprietary AI transforms raw data into probability of default risk and actionable insights, giving lenders precise, personalized risk profiles and real time business intelligence dashboards.

Revenue-Based & Flexible Financing

Infermal empowers fast-growing Financial Institutions with FAST AI underwriting solutions, enabling bespoke data-driven underwriting for small to big tickets. Our platform uses bottom-up, real-time analytics to continuously provide probability of default scoring, forecasting (revenue, expense, cash etc), covenants and push alerts, which empowers lender to expand their lending portfolio.

Portfolio Management

Ongoing, data driven AI Risk Assesment & Monitoring, is a game changer in portfolio managment. InferMal gives you the power to be proactive, significantly reduce loss given default (LGD), and grow your loan book efficiently in today’s competitive era. Also, our ongoing potfolio monitoring drastically lower operational costs—by up to 90% !

InferMal delivers a partner-like approach with predictive alerts, fraud detection, and bespoke loan optimization, enabling banks and FI’s to outpace fintech challengers and serve modern, digital businesses with confidence.

Smarter Underwriting Starts Here

AI-Powered Forecasting & Risk Assessment Software for Business Lending


Accelerate Lending Decisions. Improve Risk Accuracy. Protect Your Capital.

Traditional underwriting processes are time-consuming and often fall short in accurately predicting small business loan risk. Our underwriting software transforms credit unions and private lenders evaluate business loan requests—using advanced AI, financial modeling, and real-time stress testing.

How It Works

  1. Ingest Historical Financials
    Easily upload or connect to a small-to-medium-sized business’s historical financial data. Our platform supports common accounting platforms, so integration is seamless.
  2. Generate Cash Flow Forecasts
    Our proprietary models analyze past performance and industry trends to generate forward-looking cash flow forecasts—within minutes.
  3. Run Thousands of Stress Tests
    We use AI to simulate thousands of real-world financial stress scenarios—adjusting for loan amount, interest rate, and repayment schedule.
  4. Produce a Probability of Default (PoD) Score
    Receive a data-backed PoD score with confidence intervals that reflect real lending risk—not just credit scores or gut instinct.

About inferMal

Andrew Carman

Andrew Carman

Chief Executive Officer (CEO)

Equipment and structured finance CEO with deep P&L, risk and growth experience across numerous markets. Successfully managed commercial lease/loan, project and structured finance companies with portfolios of $3B+ through multiple cycles. Significant experience in middle market lending and leasing, vendor, renewables, infrastructure and "smart cities" sustainability finance.

Moti Meir

Moti Meir

Chief Technology Officer (CTO)

Former CTO of Liquidity Capital, With Over 20 years of executive R&D experience, building, leading and managing algorithmic based products that managed billions of dollars (i.e. Skai ). Moti specializes in Algorithms, AI, Data mining, optimization, predictive modeling.

Bill Richardson

Bill Richardson

Chief Product Officer (CPO)

Bill has 15+ years in online payments,
e-commerce, and scaled operations. 10+ years leading teams in fraud and abuse detection, customer service, program management and analytics

Founded in 2024 by Moti Meir and a team of seasoned lending executives, inferMal is redefining lending for banks and NBFIs. Our embedded platform leverages AI, advanced machine learning, and deep integrations to deliver scalable, cost-efficient financing solutions.

With a focus on privacy, agility, and competitiveness, we empower lenders to offer innovative proactive products while maintaining strong borrower relationships.

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