Lenders are defining what credible AI investment looks like More than three quarters of lenders (78%) say AI readiness now matters when they assess credit risk, largely as a read on management capability and financial discipline rather than on the technology itself How often do borrowers clearly evidence claimed AI efficiencies in forecasts, margins or cash flow?
12%
5%
42%
41%
Rarely/never
Always
Often
Sometimes
Financial evidence gives them the most confidence, 39% look for AI benefits reflected in forecasts and cash flow, 35% want realistic cost and return assumptions, and 31% look for evidence in improved profit margins. Against that bar, most businesses currently fall short, our survey reported that only 5% of lenders say businesses consistently evidence AI’s financial impact in their forecasts and cash flow, and most see it only regularly (42%) or occasionally (41%).
In practice, that means most mid-market businesses could not yet deliver a lending conversation with financial evidence that meets the bar lenders are looking for.
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