Small business lenders face a growing challenge: assessing creditworthiness quickly, accurately, and at scale without compromising quality. Traditional underwriting—relying on tax returns, outdated financials, and subjective judgment—often misses the full picture of a business’s health. Finexus Inc. offers an AI-driven approach to cash flow analysis, enabling precise, tailored underwriting for small business lending. This whitepaper explores how AI can transform loan underwriting through real-time insights, predictive cash flow modeling, and intelligent automation.