What does the model look at?
In a turnover-based assessment the signals are much more than a single number. As much as the total size of turnover, the character of that turnover matters.
Why can 24 hours be enough?
In the classic process, most of the time goes to collecting and verifying data. If the data is already flowing in the system, this step disappears; what remains is to evaluate the signals and pass the result to the relevant institution.
That is why an application from a business using are8 POS moves both faster and with higher visibility than one based on a manual declaration.
Who makes the decision?
There is a clear line here: are8 AI produces a score and a preliminary limit recommendation. The final financing decision, the limit amount and the disbursement terms belong to the financing company licensed by the BDDK under Law No. 6361.
In addition, the existence of automated assessment is clearly disclosed to the applicant, and financial data is shared only with explicit consent. Consent can be withdrawn at any time.
The model produces a recommendation, the decision stays with the licensed institution. This distinction is not marketing but a compliance requirement.
Three things that strengthen your application
The three most practical improvements you can make before entering the assessment: keeping records in order (unrecorded turnover cannot enter the assessment), keeping the cancellation and return rate under control, and making the supply flow visible in the system. All three are a matter of operational discipline; two of them come on their own with free software.