About Creditfern
Making cash flow intelligence accessible to every community lender — giving local banks and credit unions the underwriting tools that have historically only been available to institutions with multimillion-dollar internal analytics teams.
Jordan Blackwell, Founder & CEO
Jordan spent the early part of his career in commercial lending analytics at a regional bank based in Charlotte, working directly with community bank loan officers on SMB credit portfolio analysis. He saw firsthand what the process looked like: loan officers spending a full workday reviewing bank statements for a single small business application, manually categorizing transactions, trying to identify recurring revenue and seasonal patterns from raw data.
The large banks had internal analytics teams that automated this work. Community banks had spreadsheets and patience. Jordan founded Creditfern in 2024 with a specific hypothesis: the core analytical work of bank statement review could be automated in a way that community bank credit officers would actually use — not a black-box score, but structured output they could review and document.
Charlotte as the base was deliberate. The city is the second-largest banking center in the US, home to major national institutions and a network of community banks and credit unions across the Southeast. Building Creditfern here means building it close to the institutions it serves.
Built in Charlotte, NC
Charlotte is the second-largest banking center in the United States — home to Bank of America, Truist, and Ally Financial, and a network of community banks and credit unions across the Southeast. We are building Creditfern at the heart of that ecosystem.
The large institutions headquartered here are ecosystem context — they define what the US banking industry looks like from the outside. The community banks and credit unions in the region are our constituency. Building here means we are within driving distance of the lending officers and credit examiners whose work Creditfern is designed to support.
Our mission
Creditfern's mission is to make cash flow intelligence accessible to every community lender — giving local banks and credit unions the underwriting tools that have historically only been available to institutions with multimillion-dollar internal analytics teams.
The team
A team of five, based in Charlotte.
Jordan Blackwell
Founder & CEO
Simone Reyes
CTO
Marcus Chen
Head of Credit Science
Amelia Okonkwo
Head of Customer Success
Tyler Hanes
Lending Partnerships Manager
Funding
$750K angel funding, received October 2025. Backed by individual angels who understand community banking technology and the structural opportunity in cash flow underwriting for the community lending market.
Work with us
We are onboarding a small cohort of community financial institutions for our production pilot. If your institution makes 50 or more SMB loan decisions per month, we would like to talk.
Schedule a Pilot