Quash

Quash (QUASH.ai) develops an AI-based credit risk decisioning platform for banks, lenders and credit unions. The platform unifies a client's internal data and business rules with external and alternative data sources, applies machine learning models to identify patterns in credit behavior, and returns real-time decisions that continue to be refined as new outcome data arrives. A stated goal is to approve applicants who lack sufficient traditional bureau history, including unbanked and non-traditional profiles.

The company markets three main products: an inclusion score that draws on digital identity signals such as email and phone footprints, subscription payments and mobile carrier history to fill gaps left by traditional bureaus within existing regulatory frameworks; a predictive decision engine that plugs into an institution's workflow to personalize approvals and pricing in real time across use cases such as prequalification, income estimation, payment capacity, interest rate setting and credit line increases; and a vertical generative AI credit agent, branded Credy, that lets staff simulate models, build dashboards and generate reports through natural language in a closed, compliant environment. The offering is positioned as no-code, so institutions without large data science teams can build and manage models.

Founding story

Founder and CEO Yoel Gavlovski, a Venezuelan Jewish immigrant based in Miami, is an engineer by training with an MBA in finance who entered the AI field through his brother Avi Gavlovski, an early builder of Facebook's advertising infrastructure. While building credit from scratch as a first-generation immigrant in the United States, he observed that friends in Latin America with greater family wealth were paying substantially higher interest rates, which he framed as a link between credit access and quality of living. He launched Quash in 2020 to help financial institutions use AI and alternative data to identify creditworthy borrowers overlooked by rigid, historically driven scoring models.

Business model

Quash sells its credit decisioning platform to financial institutions, which integrate the inclusion score, decision engine and GenAI credit agent into their existing lending workflows. Client-reported outcomes are framed in terms of incremental profit, lower delinquency and reduced operating cost relative to implementation cost; one client, Crediavance, reported implementation cost below 4% of the additional net profit attributed to the platform.

Enterprise sales to banks, lenders and credit unions that deploy the platform into their credit evaluation flows, typically following a proof of concept and contract signing process.

Traction

Cited client results include a 14%+ gain in predictive capacity at Banco Falabella, an 81% cost reduction at Bancrea, 70% separation power between good and bad borrowers, and $450,000 in additional net profit for Crediavance, exceeding projections by 4.6%. Coopeuch has defined a first-half 2026 roadmap for integrating Quash scoring, and Tafitech is moving an inclusion model into production. The founder states the company will serve more than 250 financial institutions in 2026.

Latest developments

Quash closed a $2.6 million round at a $35.6 million post-money valuation led by Joshua B. Siegel of Acronym Venture Capital, with participation from Insight Partners' scouting fund and H20 Capital, taking cumulative funding to about $7 million, and is directing the capital toward serving U.S. credit unions.