Crediflow AI raises £1.5m to cut the paperwork behind commercial loans
The Manchester startup’s software prepares the analysis behind a loan decision. The money backs a plan to cover origination, underwriting and monitoring as well
- Registered company: Generative Technology Ltd, trading as Crediflow AI
- Incorporated: 11 December 2023, company number 15343353
- Base: Manchester, with a registered office in London
Haatch argues that manual preparation is what makes smaller loans expensive to underwrite. If software removes that cost, loans too small to justify a credit analyst’s time become easier for specialist lenders to take on, and owner-managed firms are the borrowers most affected.
Moving into monitoring would also take Crediflow from a document tool used before a decision to a system credit teams use for the life of a loan, which is where the established loan platforms sit.
“When every transaction requires hours of manual preparation, it affects how much business a lender can take on and which deals are worth pursuing.”Drey Kenfack, founder and chief executive, Crediflow AI
Crediflow AI has raised £1.5m in a round led by PXN Ventures, with Haatch and angel investors also taking part, Haatch said on 4 November.
The Manchester company sells lenders software that gathers financial statements, bank transactions and borrower documents from spreadsheets, PDFs and email threads and turns them into structured credit analysis. It extracts figures from a borrower’s accounts, a step the industry calls financial spreading, then analyzes cash flow and drafts the memo a credit committee reads before approving a loan. Crediflow says gathering that data by hand can take several days and that its platform cuts the job to between 10 and 30 minutes.
Drey Kenfack, founder and chief executive, spent more than a decade in commercial lending and private credit, with senior credit roles at Ford Credit Bank, DF Capital Bank and Advance Global Capital. Crediflow says hundreds of credit professionals use the platform, and it names specialist lender AddWorking Capital and captive finance provider Iveco Capital as customers. Its website runs comparison pages against nCino and Abrigo, suppliers of lending software.
The funding will pay for platform development and for engineering and product hires. Crediflow also plans to extend automation across the loan lifecycle, with workflows set to each lender’s credit policies.
Sources
- Haatch, “Crediflow AI raises £1.5m to scale AI-native infrastructure for commercial credit”, company news, 4 November 2026. https://haatch.com/latest-news/crediflow-ai-raises-1-5m-to-scale-ai-native-infrastructure-for-commercial-credit
- BusinessCloud, “Manchester FinTech Crediflow AI secures £1.5m”, 4 November 2026. https://businesscloud.co.uk/news/manchester-fintech-crediflow-ai-secures-1-5m/
- UK Tech News, “Generative Technology (t/a Creditflow) secures £1.5 million Seed investment led by PXN Ventures with Haatch and Angel investors”, 4 November 2026. https://www.uktechnews.info/2026/11/04/generative-technology-t-a-creditflow-secures-1-5-million-seed-investment-led-by-pxn-ventures-with-haatch-and-angel-investors/
- Companies House, Generative Technology Ltd, company number 15343353. https://find-and-update.company-information.service.gov.uk/company/15343353
- Crediflow AI, company website. https://crediflow.ai/
