AtoB turned its best underwriters' judgment into a repeatable, explainable decision workflow—giving every credit limit request the same expert review, instantly.
The customer
AtoB is a financial services platform for trucking businesses, providing fuel cards and working capital to help fleets operate and grow. The company processes hundreds of credit limit increase requests each month from customers seeking more working capital.
Every request requires a detailed underwriting review that goes beyond simple scoring—blending bank transactions, utilization trends, payment behavior, policy guardrails, and qualitative business judgment.
Making expert judgment instantly available
Credit limit decisions are inherently contextual. They require enforcing hard constraints while exercising discretion based on business profile, financial trends, and completeness of information.
- Approximately 400 credit limit requests per month
- Approximately 15 minutes of review per request
- 100+ hours of manual underwriting work every month
AtoB relied on experienced in-house underwriters to preserve quality, policy adherence, and explainability. The decisions were strong, but operational cost rose with volume.
A gold-standard process—by design
AtoB had a clear standard operating procedure governing credit limit decisions. Every request followed a structured, multi-step review—beginning with bank statement analysis and ending with a decision to approve, decline, or request more documentation.
The approach consistently produced high-quality outcomes, but delivering that level of expert judgment relied heavily on senior underwriting time.
Codifying best-underwriter judgment
AtoB partnered with Socratix to transform its operating procedures into an AI-executed underwriting workflow—one that mirrors how its best underwriters evaluate risk and make decisions.
The Socratix AI Agent evaluates each request holistically, reasoning across business context, financial strength, and payment behavior to produce a recommendation with clear justification.
- Reviews business details, payment history, bank data, and internal risk scores together
- Enforces AtoB's payment, revenue, and leverage guardrails
- Applies contextual judgment where policy allows flexibility
- Recommends approve, decline, or snooze with a policy-aligned explanation
Socratix helped us turn expert underwriting judgment into a scalable, productized capability.
Results with Socratix
What once required more than 100 hours of manual work each month is now delivered instantly, allowing the credit team to focus on higher-leverage decisions without sacrificing quality or control.
monthly CLI requests
initial reviewer alignment
eligible decisions
- Customers receive instant decisions when all information is available
- Senior-underwriter judgment is applied consistently to every request
- Volume scales without adding operational burden
Why this matters
Credit limit decisions are a critical customer touchpoint for us. Socratix allows us to deliver the same high-quality underwriting judgment instantly and consistently, turning what was an operational process into a true product strength.
By codifying expert underwriting judgment into a repeatable, explainable workflow, AtoB transformed underwriting from an operational function into a product advantage.