Prompts, teardowns, case studies, and opinionated writing on using AI in lending. Updated 2–3× a week.https://lendwithai.com/en-ushttps://lendwithai.com/blog/adverse-action-notices-with-llms/https://lendwithai.com/blog/adverse-action-notices-with-llms/How to draft an adverse action notice that survives ECOA Reg B, GDPR Article 22, and the plain-language fairness expectations of the FCA, MAS, APRA, OSFI, and RBI — with a working prompt and three jurisdictional renderings of the same decline.Mon, 04 May 2026 00:00:00 GMTcomplianceadverse-actionecoagdprexplainabilityllmdecline-noticehello@lendwithai.com (LendWithAI)https://lendwithai.com/blog/credit-memo-llm-bakeoff-claude-gpt-gemini/https://lendwithai.com/blog/credit-memo-llm-bakeoff-claude-gpt-gemini/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.Mon, 04 May 2026 00:00:00 GMTllmcredit-memoclaudegpt-4ogeminibake-offmodel-comparisontoolshello@lendwithai.com (LendWithAI)https://lendwithai.com/blog/early-warning-signals-p2p-llm-message-review/https://lendwithai.com/blog/early-warning-signals-p2p-llm-message-review/A weekly LLM review of borrower repayment messages and platform notes flags a meaningful share of the loans about to go 30+ DPD — earlier than the dashboard. With the prompt, a five-tier severity rubric, and a 30-thread benchmark.Mon, 04 May 2026 00:00:00 GMTp2pearly-warningdelinquencyllmretail-lenderbehavioural-riskhello@lendwithai.com (LendWithAI)https://lendwithai.com/blog/ai-credit-scorecard-vs-ml-model-which-fits/https://lendwithai.com/blog/ai-credit-scorecard-vs-ml-model-which-fits/The honest comparison between a rules-based AI-augmented scorecard and a trained ML default-prediction model — when to pick each, what they cost, and why the scorecard wins for most lenders under 10,000 active loans.Sat, 02 May 2026 00:00:00 GMTcredit-scorecardml-modelunderwritingcredit-risknbfcp2phello@lendwithai.com (LendWithAI)https://lendwithai.com/blog/ai-in-loan-collections-what-works-what-doesnt/https://lendwithai.com/blog/ai-in-loan-collections-what-works-what-doesnt/A builder's view of where LLMs earn their seat in collections workflows — draft generation, segmentation, hardship conversations — and where they're a compliance liability.Wed, 29 Apr 2026 00:00:00 GMTcollectionsloan-recoverycompliancellmai-lendingfair-practiceshello@lendwithai.com (LendWithAI)https://lendwithai.com/blog/bank-statement-tampering-detection-with-llms/https://lendwithai.com/blog/bank-statement-tampering-detection-with-llms/A four-check LLM forensic chain — arithmetic, cadence, vendor fingerprint, PDF metadata — that catches roughly four out of five surgical bank-statement edits before disbursal, with honest false-positive numbers.Tue, 28 Apr 2026 00:00:00 GMTfraud-detectionbank-statementdocument-forensicsllmkyctamperinghello@lendwithai.com (LendWithAI)https://lendwithai.com/blog/portfolio-allocation-retail-p2p-lenders-llm-weekly-review/https://lendwithai.com/blog/portfolio-allocation-retail-p2p-lenders-llm-weekly-review/A 15-minute weekly LLM review prompt that scores a retail P2P portfolio across five concentration axes and produces a watch-list of the loans most likely to default next quarter.Tue, 28 Apr 2026 00:00:00 GMTp2pportfolio-allocationconcentration-riskretail-lenderllmdiversificationhello@lendwithai.com (LendWithAI)https://lendwithai.com/blog/underwriting-thin-file-borrowers-with-llms/https://lendwithai.com/blog/underwriting-thin-file-borrowers-with-llms/A four-step LLM diligence chain that converts gig earnings, rent ledgers, and telco data into the same scorecard columns a thick-file applicant fills out — for borrowers in any market.Tue, 28 Apr 2026 00:00:00 GMTunderwritingthin-filealternative-datagig-economyllmcredit-assessmenthello@lendwithai.com (LendWithAI)https://lendwithai.com/blog/10-red-flags-ai-catches-in-loan-applications/https://lendwithai.com/blog/10-red-flags-ai-catches-in-loan-applications/Ten specific red-flag patterns that LLMs reliably surface from pasted application text — with the signal, the prompt logic that catches it, and the false-positive rate you should expect.Sat, 25 Apr 2026 00:00:00 GMTred-flagsfraud-detectionunderwritingdocument-consistencyllmhello@lendwithai.com (LendWithAI)https://lendwithai.com/blog/ai-tools-for-collections-a-teardown/https://lendwithai.com/blog/ai-tools-for-collections-a-teardown/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.Sat, 25 Apr 2026 00:00:00 GMTcollectionsai-toolsteardownlending-opsdelinquencyhello@lendwithai.com (LendWithAI)https://lendwithai.com/blog/credit-memo-generation-with-llms/https://lendwithai.com/blog/credit-memo-generation-with-llms/A structured prompt chain that produces first-draft credit memos your credit committee will actually accept — with risk grade, conditions, deviations, and explicit gaps flagged.Sat, 25 Apr 2026 00:00:00 GMTcredit-memollmunderwritingpromptscommitteehello@lendwithai.com (LendWithAI)https://lendwithai.com/blog/p2p-lending-with-ai-what-actually-works/https://lendwithai.com/blog/p2p-lending-with-ai-what-actually-works/What AI genuinely helps with when you're lending as an individual or running a P2P platform — borrower screening, portfolio allocation, collections — and the patterns that remain stubbornly human.Sat, 25 Apr 2026 00:00:00 GMTp2ppeer-to-peerretail-lenderai-underwritingportfolio-allocationhello@lendwithai.com (LendWithAI)https://lendwithai.com/blog/ai-fraud-detection-for-lenders-patterns-prompts-playbook/https://lendwithai.com/blog/ai-fraud-detection-for-lenders-patterns-prompts-playbook/The four fraud patterns every small lender eventually meets — synthetic identity, document manipulation, ring fraud, and payout-stage scams — and where AI actually catches them vs. where it still misses.Fri, 24 Apr 2026 00:00:00 GMTfraud-detectionsynthetic-identitydocument-fraudring-fraudllmkychello@lendwithai.com (LendWithAI)https://lendwithai.com/blog/how-to-underwrite-loans-with-ai-a-builders-guide/https://lendwithai.com/blog/how-to-underwrite-loans-with-ai-a-builders-guide/The full workflow for AI-assisted loan underwriting — from application intake to credit memo, with the prompts, scorecard logic, and failure modes that matter.Fri, 24 Apr 2026 00:00:00 GMTunderwritingllmcredit-riskpromptsworkflowhello@lendwithai.com (LendWithAI)