OakNorth, founded by Rishi Khosla and Joel Perlman, was created to address the funding gap in commercial lending. Their Credit Intelligence Suite provides lenders with a forward-looking view of borrowers, enabling faster credit decisions and more targeted strategic lending. The suite has propelled OakNorth Bank into the top 1% of commercial banks globally in terms of return on risk-weighted assets and efficiency. The software is being used by banks around the world, including SMBC, PNC Bank, and NIBC.