Transforming 100+ hours of monthly underwriting work into instant, expert-level decisions.
AtoB is a financial services platform for trucking businesses, providing fuel cards and working capital to help fleets operate and grow. AtoB processes hundreds of credit limit increase (CLI) requests each month from customers seeking more working capital, and the company proactively increases credit limits to ensure trucking carriers receive the maximum amount of eligible credit.
Each CLI request requires a detailed underwriting review that goes well beyond scoring or simple thresholds - blending bank transaction analysis, utilization trends, payment behavior, policy guardrails, and qualitative judgment about whether a higher limit actually makes sense for the business. This data-driven approach has positioned AtoB as an industry leader in both credit performance and customer experience, while maintaining exceptionally low loss rates.
Credit limit decisions are inherently contextual. They require enforcing hard constraints while exercising discretion based on business profile, financial trends, and completeness of information.
At scale, this created a growing operational challenge:
Because underwriting quality, policy adherence, and explainability were critical, AtoB relied on experienced in-house underwriters to execute CLI decisions. The result was high-quality, policy-aligned decisions - but rising operational cost as volume increased.
AtoB had a clear, well-defined SOP governing CLI decisions to ensure that each customer received the best possible outcome. Every request followed a structured, multi-step review - beginning with a bank statement analysis and concluding with a determination of whether sufficient information existed to confidently approve, decline, or request additional documentation.
While this approach consistently produced high-quality outcomes, delivering that level of expert judgment relied heavily on senior underwriting time, making it difficult to scale in a cost-efficient way.
AtoB partnered with Socratix to transform its CLI standard operating procedures into an AI-executed underwriting workflow - one that mirrors how its best underwriters evaluate risk and make decisions.
Instead of relying on rigid rules or a single score, the Socratix AI Agent evaluates CLI requests holistically - reasoning across business context, financial strength, and payment behavior to produce a recommendation with clear justification. The result is the same nuanced decision an AtoB underwriter would make - now delivered instantaneously.
The Socratix agent:
Importantly, the system reflects AtoB's underwriting philosophy, not a generic credit model.
"Socratix helped us turn expert underwriting judgment into a scalable, productized capability."
— Aung Lin, GM of Lending, AtoB
Today, with Socratix:
What once required 100+ hours of manual work per month is now delivered instantly - allowing AtoB's credit team to focus on higher-leverage decisions without sacrificing quality, transparency, or control.
"Credit limit decisions are a critical customer touchpoint for us. Socratix allows us to deliver the same high-quality underwriting judgment instantly and consistently, turning what was an operational process into a true product strength."
— Aung Lin, GM of Lending, AtoB
By codifying expert underwriting judgment into a repeatable, explainable decision workflow, AtoB transformed underwriting from an operational function into a product advantage.
The result is faster, more consistent decisions for customers, better leverage of experienced reviewers' time, and a credit operation that scales without compromising judgment, transparency, or control.
See how Socratix AI can help your team make faster, more consistent decisions.