Welcome to the future of small business lending
charm solutions employs artificial intelligence technology to enhance your decision-making process and transform your data into valuable insights.
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Your data is your best asset

Artificial intelligence and machine learning helps you unlock the full potential of your data, enabling you to identify growth opportunities, optimize operations, and improve financial decisions.

Explore Data Solutions

From data integration to decisioning

Service providers and lenders can improve their decision-making process by integrating unlimited data sources and leveraging analytics to gain actionable insights.

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Scoring as a service

Customizable scoring models integrate seamlessly with existing workflows and systems, without significant investment in technology or in-house capabilities.

Scoring as a Service


SMBscore provides small businesses and service providers with valuable insights and personalized offers to help them prosper.

Learn about SMBscore

“Charm solutions’ AI platform has been an important element to transform SME secured lending at Citadele. Having worked with Charm solutions for almost 3 years, we have been very satisfied and continued expanding the use of the platform to the new markets. The team working at Charm solutions are talented and the dynamic architecture of the platform have been a great enabler to our capabilities.”

Vladislavs Mironovs
Chief Strategy Officer