The Operating System for Lending Intelligence

The most expensive failure in lending isn't a bad loan. It's a bad loan that looked good.

Kensho transforms fragmented documents into a trusted system of record—so every credit decision is one you won't regret.

Trusted by

Credit Risk Portfolio Analysis Document Intelligence Cash Flow Verification Entity Intelligence Fraud Detection Lending Automation Risk Scoring Compliance
Credit Risk Portfolio Analysis Document Intelligence Cash Flow Verification Entity Intelligence Fraud Detection Lending Automation Risk Scoring Compliance
The Hidden Risk

Every lender has approved a loan that passed every check, sailed through compliance, and still failed in hindsight. The data was there. The documents existed. But the truth was buried in fragments no one could see.

$0B
in potentially avoidable credit losses globally each year

Driven by gaps in risk processes, data quality, and compliance — including delayed or incomplete documentation that weakens early risk detection and enforcement.

0%
of underwriting time is spent on manual document work

Analysts spend the majority of their time collecting, reviewing, reconciling, and validating documents — not on judgment, decision-making, or risk analysis.

0%
of lenders report rising delinquencies

Traditional credit assessment methods struggle to surface risk early enough, especially when relying on fragmented documents and limited data visibility.

"

The biggest problem is not what people don't know. It's what they think they know that isn't so.

Michael Lewis — Author of The Big Short

What Kensho Does

Kensho is the operating system for legal and financial documents—turning fragmented, opaque paperwork into a trusted system of record.

Intelligence Suite

Decisions You Won't Regret

Six products. One system of truth.

{ name: "John Doe", amount: 1500, status: "paid" }

Kensho Conversion

"What's actually in this document?"

Ingests your most challenging unstructured documents—scanned invoices, bank statements, legal contracts—and instantly transforms them into pristine, structured data ready for analysis.

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INVOICE
INV-1234503/25/2024
John Doe
$1,250.00
BANK STATEMENT
03/25/2024Deposit
John Doe
$1,550.00

Kensho Verify

"Do these documents tell the same story?"

Cross-references every data point across your document stack—bank statements, trade licenses, financial reports—and instantly flags inconsistencies, tampering, and red flags that manual review misses.

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Adverse Media
Locations
Business Entity
UBO Structure

Kensho Research

"Who are we actually dealing with?"

Automated entity intelligence. Instantly map beneficial ownership (UBO) structures, verify business locations, and screen for adverse media—turning a simple business name into a complete risk profile.

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$
Tax
Supplies
Rent
Payroll

Kensho Categorize

"Where did the money actually go?"

Transforms raw bank statements into structured financial narratives. Every transaction classified, every pattern surfaced, every anomaly flagged.

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0 Score
Document Integrity
Cash Flow Health
Behavioral Signals
RECOMMENDED

Kensho Score

"Should we lend to this business?"

Credit scoring that sees what traditional models miss. Combines document integrity, cash flow reality, and behavioral signals into decisions you can defend.

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Portfolio Risk Map ⚠ 3 risks identified
Low
Medium
At Risk

Kensho Portfolio Analysis

"Where is the hidden risk in our portfolio?"

Synthesizes vast, disparate datasets into a single, intuitive dashboard. Visualize your entire portfolio's health, identify emerging trends, and pinpoint risk exposure with real-time analytics.

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Join the Team

Build the Future of Financial Trust

We are looking for exceptional talent to help us rewrite the operating system of the lending industry. If you thrive on solving complex problems, we want to hear from you.

Tech & Engineering
AI Engineer
Software Engineer
Commercial
Business Development
Sales Manager

Apply Now

見性
Ken • Sho

Seeing the True Nature

In Zen philosophy, Kenshō combines the characters for Ken (to see) and Sho (nature or essence). It refers to the moment one sees past the surface to understand the true nature of reality.

In the world of lending, reality is often obscured. Risk hides behind fragmented documents, opaque data, and manual error. To the naked eye, a bad loan often looks identical to a good one until it is too late.

This is why we built Kensho. Just as a control tower relies on radar to see through the storm, our Operating System allows lenders to see through the noise. We provide the instruments to visualize risk, forecast outcomes, and look beyond the horizon.

Ken (The Vision)

Manual underwriting is flying via visuals. Kensho is flying via instruments. We turn unstructured documents into structured, visible data.

Sho (The Reality)

Every borrower has a "true nature"—their actual cash flow and intent. Kensho strips away the artifice to reveal the mathematical truth.

Horizon Visibility

A pilot doesn't wait to see the runway to start the approach. We give lenders the long-range visibility to navigate risk before it arrives.

Stop discovering problems in post-mortems.

Schedule a personalized demo. See how Kensho turns document chaos into lending confidence.