Cluster
Tool reviews
Opinionated teardowns of credit-AI tools, LLM platforms, and lending-specific SaaS. Honest takes, not vendor marketing.
Credit memo LLM bake-off: Claude vs GPT-4o vs Gemini on the same synthetic borrower file
A reproducible side-by-side run of Claude 3.5 Sonnet, GPT-4o, and Gemini 1.5 Pro on the same six-section credit memo prompt and the same synthetic borrower file — with scoring, costs, and an opinionated routing recommendation.
May 4, 2026 ·12 min
AI tools for collections: a teardown of what actually works
An opinionated review of AI-driven collections tools and workflows for small-to-mid lenders — what genuinely helps, what's vendor theatre, and where DIY prompts beat the SaaS.
Apr 25, 2026 ·9 min