WINNING | Kredit Hero powers rapid SME growth with AI tools

Insider Spotlight

• AI-powered marketplace slashes SME loan processing times by up to 80%
• 12,000+ SMEs onboarded and 30+ lenders connected in six months
• 2.5–3x higher approval rates versus traditional bank processes
  
  

Small and medium-sized enterprises across Southeast Asia are finally getting a faster lane to funding, as artificial intelligence starts doing the heavy lifting in credit checks, document reviews, and fraud screening—turning weeks of waiting into near real-time decisions.

That shift is being led in the Philippines by Kredit Hero Inc., whose AI credit marketplace was just recognized with the FutureTech Leadership Award at the KMC Startup Awards 2025 at KMC One Ayala East Tower in Makati City—a nod to how its technology is reshaping SME financing in the region.

Why it matters

SMEs face a regional financing gap estimated at over $300 billion, locked out by complex loan requirements, manual credit assessments, and slow processing times.

Lenders, meanwhile, struggle with incomplete data and high operating costs. Kredit Hero’s AI rails aim to close that gap by making risk checks smarter, cheaper, and much faster.

How it works

At the core is the Kredit Hero Marketplace, built on more than 20 specialized AI processors that run in parallel across the entire application lifecycle—from loan origination and document parsing to financial modeling and multimodal fraud detection. 

This multi-agent setup cuts lender processing times by up to 80 percent, enabling quicker “yes” or “no” calls and getting funds to SMEs sooner.

By the numbers

• 2.5–3x higher approval rates than traditional processes
• Up to 80% less manual verification and screening
• Over 12,000 SMEs onboarded and 30+ financing institutions partnered within six months
• 4.8/5 user satisfaction rating from SMEs and lenders alike

Scott Moore 

Co-founder and CEO of Kredit Hero

What they’re saying:

“Winning the FutureTech Leadership Award at the KMC Startup Awards 2025 is a testament to our team’s commitment to making SME financing faster, fairer, and more accessible,” Scott Moore, co-founder and CEO of Kredit Hero, said in a press release on Nov. 28, 2025. 

“We are proud to set a new benchmark in AI-powered financial inclusion and continue transforming how small businesses access capital in the Philippines and in Southeast Asia,” he added.

The big picture

Beyond speed, Kredit Hero emphasizes ethical and responsible AI—prioritizing fairness, transparency, and data privacy—as it scales its credit infrastructure to help more SMEs unlock the capital they need to grow. —Vanessa Hidalgo | Ed: Corrie S. Narisma