Zest AI

Zest AI builds machine learning software that helps banks and credit unions make better, fairer lending decisions. The company's AI-automated underwriting platform replaces traditional credit scorecards with ML models that consider more data and find more creditworthy borrowers while reducing defaults and ensuring compliance with fair lending regulations.

Zest AI's platform is unique in its emphasis on explainability and fairness. The company's AI models are designed to be transparent and auditable, providing clear explanations for credit decisions that satisfy regulatory requirements. Built-in fairness testing helps lenders ensure their AI models do not discriminate against protected classes.

The company serves a growing number of financial institutions managing hundreds of billions in loan portfolios. Zest AI's approach has demonstrated the ability to increase approval rates by 15-25% while simultaneously reducing losses, proving that AI can make lending both more profitable and more equitable.