Ava came out of doing the work.
Not from a pitch deck. Ava was built by people who spent their careers on the credit side of commercial lending, and it exists because of a problem they kept running into themselves.
The AI tools are good enough to do hours of analysis in minutes. The files cannot be uploaded. Everything Ava does follows from taking that constraint seriously instead of working around it.
Eight years of it.
The AI Credit® trademark was filed in October 2017, two months after the research paper that started all of this was published. Between 2020 and 2023 we ran nine research trials across 145 live commercial transactions worth roughly $150 million. Real files, real borrowers, real credit decisions.
In January 2023 that work produced the first known AI-assisted credit writeup submitted, approved and funded through the U.S. Small Business Administration’s 504 program, a lending program then seventy-five years old. AVA was incorporated in Delaware in March 2023 and re-incorporated in Toronto in May 2024.
Then it got smaller on purpose.
Eight years of experiments, several of them abandoned, produced one small tool that does one job. Ava removes client identity from a document and puts it back afterward. It contains no model of its own and it does not analyze anything.
That restraint is the point. A tool that competes with the frontier labs has to be rebuilt every time they ship. A tool that removes an obstacle to using them gets more useful every time they ship.
Ava is built for licensed professionals who handle client financial files and cannot put them into public AI. Mortgage brokers and agents, accountants, appraisers, private lenders. It is in use inside our own businesses first, before it is offered anywhere else.
A click-through of the application as it runs locally. No engine and no model run in that page.