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Accend

Human-in-the-loop AI agents for business underwriting & onboarding

Accend provides human-in-the-loop AI agents for financial statement spreading and analysis with same-day turnaround. Our AI accelerates the process of extracting insights from financial statements, while our expert internal team reviews each case to guarantee accuracy and reliability. Companies like Slope, Pleo, Rho, Evergrow and others have reduced application processing time by 80% with Accend, significantly enhancing their credit underwriting and onboarding efficiency Before starting Accend, the founders led Product & Engineering on the Risk team at Brex as well as at Deutsche Bank and Credit Suisse so they have firsthand experienced issues with operational efficiency in credit/underwriting teams. Accend has raised a $3.2M seed round from Y Combinator, Adverb Ventures, General Catalyst and 645 Ventures.
Jobs at Accend
San Francisco, CA, US / Remote (San Francisco, CA, US)
$120K - $180K
1+ years
Accend
Founded:2023
Team Size:3
Status:
Active
Group Partner:Aaron Epstein
Active Founders

Pranjal Daga, Founder

Currently, Cofounder of Accend. Previously, I led Product for Risk at Brex & saved $20M in fraud losses. Before that, I dropped out of my PhD in AI/ML at Purdue University to help set up Cisco Innovation Labs where I grew the team from 1 to 35 in 4 years.
Pranjal Daga
Pranjal Daga
Accend

Yutong Pei, Founder

Yutong Pei was most recently the Engineering Manager on the Fraud Risk team at Brex where he built the Disputes service, worked on fraud controls by managing engineers and data scientists. Previously, he has led Fraud Engineering and Security for IoTeX, Uber and Amazon.
Yutong Pei
Yutong Pei
Accend

Joseph Zhou, Founder

I'm one of the Co-Founders of Accend. Previously, I served as the CFO of a mobile gaming startup based in Singapore with a 50M ARR. I established the company’s licensed poker operation in Europe and scaled the team from 0 to 80 members, while also managing KYC, AML, compliance, responsible gaming, and fraud prevention.
Joseph Zhou
Joseph Zhou
Accend
Company Launches
Accend - AI Credit Analyst For Business Underwriting
See original launch post ›

TL;DR: Accend is launching a new financial statement spreading and analysis, guaranteeing 100% accuracy powered by AI and human-in-the-loop review, saving time and costs.

Why We're Building This?

Credit teams today face a massive problem: underwriting processes remain largely manual, painfully slow, and prone to costly errors. Across financial institutions, analysts spend hours manually spreading and analyzing financial statements, slowing down approvals and inflating operational costs. This isn’t just a minor inconvenience; it's a billion-dollar inefficiency affecting banks, fintechs, insurers and lenders globally.

We knew there had to be a better way—one where accuracy meets speed.

Introducing Accend's Financial Statement Spreading & Analysis Solution

https://youtu.be/0T6Yc15qxU4

We are expanding Accend into Credit Analysis, starting with financial statement spreading.

✔️ AI does the heavy lifting—spreading financials with high accuracy and generating credit memos quickly.
✔️ Human-in-the-loop—to complement our AI analysis so you get 100% accuracy, guaranteed.
✔️ Your underwriting team moves 10x faster—reducing costs, errors, and approval times.

Customer Spotlight

Russell Gu, Head of Credit Risk at Slope, shares his experience:

Accend offers the best solution for data-driven credit teams looking to maximize insights from financial documents. Their API solution and onshore time zone support accelerate financial review more than 4x.

Who is Accend for?

Accend is purpose-built for credit leaders who demand excellence: underwriting teams at financial institutions committed to driving efficiency and precision across their credit operations.

Why It Matters?

Accend delivers measurable ROI from day one:

  • 100% Accuracy: Highly accurate AI coupled with expert human in the loop analysis – every spread is reviewed and validated by expert eyes.
  • Rapid Approvals: Reduce your application processing times by up to 80%, accelerating credit decisions.
  • Cost Efficiency: Dramatically lower your cost-to-serve by automating routine tasks.
  • AI-Powered Credit Analysis: Generate credit memos up to 10x faster, enabling teams to focus on high-value activities.

Ready to Experience Accend?

To celebrate our launch, we're offering your first financial spread and analysis completely FREE. Email us at pranjal@withaccend.com or Schedule a call to experience firsthand how Accend can revolutionize your credit processes.

You can also read this story on our company blog here.

Other Company Launches

Accend: Accelerate manual reviews for Fintech Ops & Compliance teams

Improve Ops Efficiency & Quality + Excel in Compliance with Accend
Read Launch ›