Liventus introduced Credit Mind, a decision intelligence platform that takes an equipment finance application from intake to a documented credit decision in minutes. Credit Mind pulls together application data, bank statements, bureau reports, public records, equipment details and known issues, evaluates the deal against the lender's own credit policy and business rules, and puts everything the underwriter needs to decide in one place. New data sources and additional integrations are planned for rollout throughout the next several months. Early access is open now to equipment finance and specialty lenders, with general availability planned before the end of 2026.

Credit Mind was developed over the last two years by Liventus's equipment finance, credit and engineering teams, who together bring more than 100 years of combined experience underwriting deals and building lending systems. That group contributed the credit policy, scoring logic and business rules, and shaped how the platform handles incomplete information, guarantor risk and exceptions. The rules themselves have been tested and refined on live deal flow for more than 35 years. The result is underwriting software built by people who underwrite, and build systems for underwriters, for a living.

"Underwriters spend too much of their day gathering information, keying it in and reconciling documents, and most origination systems that promise to fix that don't," said Dan Levin, President and Co-Founder of Liventus. "Lenders also don't want to migrate systems every time they want an advantage. They want something easy to adopt and flexible enough to deliver the benefit they're after. So, Credit Mind connects to the front end you already have and extends it. It pulls and aggregates every data source automatically, cross-references the deal against your business rules, surfaces the issues that matter to you the moment they appear, and shows the basis for each recommendation. 

"We use AI in many ways: interpreting parts of the deal, pulling public information, even building custom skills. But the platform runs with or without it, because some lenders operate under compliance requirements that don't allow AI in the credit decision. If your credit committee isn't ready for AI, the system still works. The goal is to help you make a near-instant, consistent decision on every application, so your experienced credit people spend their time on the deals that need their judgment."