SME credit intelligence

Make every SME financeable.

LibLab turns how a business actually runs into data lenders can underwrite, then keeps watching it so growth stays on track and credit stays healthy.

I run an SME I lend to SMEs
Credit file · sample
Sample SME
Monitoring live
Revenue vs planIn range
Receivable daysDrifting
Gross marginIn range
Cash coverIn range
Receivable days trending toward the red zone. Flagged to the owner and the lender, with a suggested fix.

How it works

From how the business runs to a credit decision, without the paperwork.

01

Install

AI agents go to work on the SME's real workflows, on WhatsApp and the tools it already uses. Every node and connection builds a live digital twin of the business.

02

Assess

Historical data becomes projections, read against our sector and economic intelligence. Lenders get an assessment file scored on their own framework.

03

Monitor

Execution is tracked against plan. When a KPI drifts toward a red zone, both the owner and the lender see it early, while there is still time to act.

For SMEs

Run better. Borrow on your real numbers.

  • Agents that take routine work off your team, from orders to collections to reporting.
  • A clear view of where the business is heading, with early warnings before problems hit cash.
  • A credit file banks and funds can trust, so financing follows performance, not paperwork.
  • A monthly subscription sized to the workflows you automate.
Get installed

For lenders

Underwrite the SME segment with confidence.

  • Assessment files built from operating data, tiered by the depth you need.
  • Scored on your own credit framework, not a black box.
  • Continuous monitoring of performing loans, with drift flagged before it becomes default.
  • Data integrity by design, with an architecture your risk team can audit.
Talk to us

The intelligence layer

Every file read against the economy around it.

An SME's numbers mean little in isolation. LibLab sets each business's data against proprietary sector and macroeconomic analysis, so a dip reads as a market cycle or a company problem, and lenders can tell which.

LibLab is a protocol. Smith, a WhatsApp-native AI operating system, is its first vendor, and an open marketplace lets developers build connectors and agents that SMEs are already asking for.

Distribution partners

Former top-tier consultants, now building SME portfolios.

Partners introduce SMEs, install LibLab, see the first wave of growth through, then hand the relationship to lenders while the platform runs on its own. They earn on installation and on every client's fees over time.

Apply to become a partner
LibLab Academy

Three weeks to your first live install

  1. W1AI and platform fluency. How agents work and fail, and the Smith architecture, hands-on.
  2. W2Diagnose and install. Workflow mapping, data readiness and the lender's credit lens.
  3. W3Sell and hand over. Owner conversations, lender handover and a live capstone install.

See LibLab in action.

We are onboarding our first SMEs, lending partners and distribution partners now.

Request access