Rizal was accepted into the StartX Fall 2026 batch.

Rizal builds AI underwriting agents for complex lending. Our agents work alongside underwriting teams to review documents, understand businesses and cash flows, verify assets and information, monitor loans, and surface emerging risks. We turn fragmented documents and real-world data into living credit files—giving lenders the information they need to make faster, better-informed credit decisions. What Rizal helps underwriting teams do: Underwrite faster Turn financial statements, contracts, applications, and other unstructured documents into structured underwriting work in minutes instead of days. Understand complex businesses Understand how a business operates, where its cash flows come from, what drives repayment, and which risks and exceptions require attention. Verify critical information Cross-check information across documents, databases, satellite imagery, field data, and other sources to identify inconsistencies and strengthen diligence. Keep every credit file current Continue monitoring businesses, assets, cash flows, and emerging repayment risks after origination instead of treating underwriting as a one-time exercise. Finance more opportunities economically Reduce the cost of understanding smaller and more complex loans so lenders can serve more businesses without proportionally increasing their underwriting teams. We started in agriculture—one of the most operationally complex lending markets—and have supported more than $250M in loans across more than 450,000 acres. Today, we work with banks, governments, multinationals, reinsurers, and other capital providers, and are expanding with our customers into additional categories of complex lending. Our mission is to make more of the world's businesses understandable and financeable. www.rizal.io