Financial institutions · Manufacturing · Services

Equalize the gap.

Your decisions wait on files people rebuild by hand.

eqlx builds decision systems for financial institutions, manufacturers, and service companies: machine-learning models that estimate, small language models trained for your field and task that read, reason, and call your tools, and agentic AI systems that prepare each case for the person who signs. They run in your environment and are handed over running.

Early arrears collectionsPersonal loan · 12 days late · salary did not arrive this monthIllustrative

TodayCalls reach customers who would have paid anyway, while the ones who cannot keep up need a plan, not ten calls.

With the systemHardship told apart from won't-pay, with the plan's arithmetic on file.

  1. EstimateChance it pays on its own: low. Your policy sends this band to a call and a plan.
  2. UnderstandReads the call notes and drafts a payment plan from your policy's menu.
  3. Prepare and actAdds it to today's call list at an approved hour and records the promise.

Collector approves the payment planEvery restructuring offer is a person's; above the threshold, a supervisor's.

Illustrative collections file: a loan 12 days late, how the work runs today and with the system, what the model estimated, the plan the small language model drafted, what the agent scheduled, and why the collector approves the plan.
Early arrears collections

Intelligence you keep.

  • Runs on your servers
  • Weights and data stay with you
  • Not live before it passes your test
  • Handed over running
Why your own model

What we build

Three kinds of AI. One decision system.

Each layer works on its own; they stack where the decision needs more.

  • EstimateMachine-learning models

    Score
    a risk score with its two main reasons
    Detect
    one unusual payment flagged
    Forecast
    demand rising over the next quarter
    Optimize
    the best plan inside your limits
    Segment
    customers sorted into a few groups
    Rank
    the offer most likely to fit, first

    Numbers your team can explain, defend, and monitor.

    Machine-learning models
  • UnderstandSmall language models · trained for your field and task

    Your field
    tells a loan covenant from an ordinary condition
    Reasoning
    works the task step by step and shows why
    Tool calls
    the right tool with the right parameters, such as a SQL query or a JSON request
    Case memory
    keeps what the case needs across its steps
    Your format
    laid out in your own template
    A new skill
    passes your expert's test before it goes live

    Trained for one field and task, a small model often does a large general model's work there, and can be the model an agentic system reasons with.

    Small language models
  • Prepare and actAgentic AI systems

    Tools and access
    three tools, all read-only
    Safety checks
    an unsafe instruction blocked
    Memory and sources
    every fact with the page it came from
    Way of working
    a fixed workflow, one step after another
    A person decides
    the file goes to the credit manager
    Tested and recorded
    every step kept on the record

    The work around a decision, done inside your rules.

    Agentic AI systems

Integration · the base

Core banking
reads the customer's exposure
ERP and MES
drafts the work order
CRM and contact center
adds the note to the case
Your decision engine
your engine still decides
Documents and data
links the file's documents
Your servers or cloud
runs where you choose

Under every kind: into the systems you already run, legacy ones included, connected and left unchanged.

What it connects to

Illustrative

How it earns trust

Your expert writes the test. The model goes live only on the tasks it passes.

Models are tested on past cases they never saw in training. Small language models learn from files your team already decided. Agentic AI systems stop where your written limits say.

  1. 1Test first

    Real past cases, graded by your expert before any training.

  2. 2Train on your files

    Training examples and practice rounds built from cases your team already decided.

  3. 3Same test again

    The same cases, the same grader.

  4. 4Live where it passed

    The rest stays with your people.

Where we build

Pick your sector, and see the desks we build for there.

These use cases describe systems we build, written from how these desks work. They are not past client projects: no client names, no results.

How we work

A senior engineer leads every engagement.

From the first question to handover. Everything is documented and handed over, so the system never depends on one person.

How to start

1Decision Blueprint

Typically 2–4 weeks · A fixed fee, agreed before it starts.

If the plan says build: a validation build, then production, integration, handover.

We come into your environment, build beside your team, and hand the system over running.

Equalize the gap.

Bring one decision. Leave knowing the first step.

A short description of the decision is enough; no confidential records.

https://eqlx.ai · Printed copy; the website is the current version.