Rapid Finance improves decision speed without sacrificing fraud diligence using Inscribe

Rapid Finance’s manual document review process could not keep pace with growing volume and the need for speed

But as document fraud evolved, Rapid Finance faced a growing operational challenge: keeping decision speed high without introducing risk. In small business lending, speed is a competitive advantage. Rapid Finance often funds within 24 to 48 hours, but if getting to bank statement review alone took 24 to 48 hours, the organization risked losing strong customers before it could even issue a quote.

Before adopting modern document fraud automation and expanding internal automation efforts, Rapid Finance’s underwriting and operations teams reviewed documents manually at high volume. Thousands of documents per day were examined by human reviewers, often by opening statements side-by-side and comparing balances, formatting, and patterns across pages.

At peak volume, that workload became unsustainable. Team members remember staying until 11 p.m. or midnight just to get through the queue on busy days. Even small disruptions could throw the workflow off by hours, creating delays that undermined the fast customer experience Rapid Finance aims to deliver.

Rapid Finance needed a scalable approach that could increase consistency and diligence in document review without slowing down legitimate customers or placing additional strain on underwriting teams.

Embedding Inscribe early in underwriting gave Rapid Finance instant trust signals and deeper fraud visibility

Rapid Finance embedded Inscribe early in the application workflow, starting with bank statements, typically one of the first documents collected during underwriting.

Instead of relying on underwriters to manually inspect every statement or upload documents only when something looked suspicious, Rapid Finance automatically submits bank statements to Inscribe and ingests the results into internal systems.

This approach gives Rapid Finance immediate signals about document trustworthiness at the beginning of each application. The team relies heavily on Inscribe’s trust score, using it to quickly determine whether a document appears trustworthy, untrustworthy, or requires additional

review. Results typically return within seconds, supporting fast decisioning while keeping fraud diligence high.

Inscribe also provides deeper evidence when fraud is present. Rapid Finance pointed to Inscribe’s X-ray feature as a major turning point because it can reveal edits and underlying document versions, surfacing proof of manipulation that no manual process can reliably reconstruct.

Because Rapid Finance often receives duplicate submissions from broker partners, Inscribe also improves efficiency across teams. If fraud is confirmed through one submission, other sales reps can deprioritize the duplicate submissions and refocus on legitimate customers, saving time and reducing operational noise.

Faster decisioning, stronger revenue protection, and underwriting pull-through improved to 85 to 90 percent

With Inscribe embedded into the underwriting workflow and other internal development efforts, Rapid Finance improved both operational efficiency and fraud defenses. Instead of relying on subjective judgment and visual inspection alone, teams begin reviews with clear trust signals and evidence-backed flags, enabling faster decisioning without lowering standards.

The improvements also strengthened the quality of deals reaching later stages of underwriting. Pull-through improved from just under 50 percent in 2016 to approximately 85 to 90 percent of deals reaching final diligence successfully crossing the finish line today.

Inscribe has also served as a form of revenue protection. In document fraud, a small number of high-impact cases can drive significant losses. Catching one or two major fraudulent deals that otherwise would have been missed can justify the investment, while everything beyond that helps protect growth and trust in the portfolio.

Fraud tactics have also become significantly harder to detect through visual review alone. In the past, experienced reviewers could sometimes rely on spacing or formatting inconsistencies.

Now, fraudsters can use AI to produce documents that look far more legitimate, making manipulation difficult to identify with the human eye. With Inscribe, Rapid Finance can stay ahead of these evolving tactics using evidence-backed signals and forensic features like X-ray.

For Rapid Finance, the result is a workflow that supports both sides of the equation: moving quickly for good customers while staying ahead of increasingly sophisticated fraud tactics.