How Worth Uses AI to Eliminate Onboarding Friction

Ever started a business application and thought, “why am I filling this out again?” That’s the problem Worth Pre-Fill solves: Using AI to eliminate repetitive forms, reduce abandonment and get small businesses funded faster.

That’s automation.

More specifically, that’s Worth Pre-Fill.

Today’s SMB owners are busy. They don’t have time for 60-question forms, confusing workflows or redundant data entry. And they definitely don’t have patience for waiting weeks just to find out their application is “still under review.” That kind of friction leads to abandoned applications, missed revenue and frustrated teams on both sides.

Worth Pre-Fill solves that problem at the source.

Powered by AI-driven crosswalking technology and the most extensive SMB data coverage in the industry, Worth Pre-Fill automatically populates onboarding forms with unmatched speed and accuracy. 

This means: Fewer errors. Fewer drop-offs. Faster approvals.

We’re pulling back the curtain and showing how Worth’s proprietary AI identifies the right business in seconds and why unmatched data precision is the key to frictionless onboarding at scale.

Manual Data Entry Is Broken

If you’ve ever tried to open a business account or apply for financing online, you know the drill:
Page after page of repetitive fields. Confusing instructions. A request for a document you uploaded two screens ago.

Now imagine doing that on your phone between deliveries while running a business.

That’s the reality for most SMB owners. And it’s exactly why they drop off.

Traditional onboarding is a mess of manual input and outdated workflows. Many platforms still ask for 60+ fields just to get started, and most of them are redundant or already available from public records. The burden is placed entirely on the customer.

This results in:

• Typos that trigger false rejections
• Mismatched records that delay approvals
• Slow back-and-forths with ops teams hunting for missing info

It’s both annoying and expensive. Every point of friction drives up costs and kills momentum. And if you think applicants are sticking around to troubleshoot your broken process, think again.

Nearly 38 percent of customers say uploading documents is one of the most frustrating parts of onboarding. (Plaid)

Worse, a clunky process doesn’t even guarantee safety. Manual review leaves room for human error, and bad actors still find ways to use fake or synthetic identities that pass basic checks. So you’re not only frustrating good customers, but you’re also exposing your institution to risk while wasting hours on the wrong files.

This is the problem Worth Pre-Fill was built to solve.

AI-Powered Crosswalking: Explained (Without the Buzzwords)

At the heart of Worth Pre-Fill is something that sounds like a deceptively simple idea:
Figure out who the business really is and do it fast, without making the customer do all the work.

That’s where crosswalking comes in.

Crosswalking is how Worth matches messy input (like “Johnny’s Plumbing, LLC” typed on a mobile form) to the actual, verified business entity in the real world. That means linking it to the right EIN, legal filing, address, ownership data and more, even if the original input has typos, missing info, or multiple versions floating around.

And we don’t just guess.

Worth’s proprietary AI-powered crosswalking technology pulls data from multiple authoritative sources (think IRS, Secretaries of State, FinCEN, credit bureaus, and others) and runs that input through advanced machine learning models to identify the correct match with unmatched accuracy.

It resolves:

• Name variations (“Main Street Café” vs “Main St. Cafe LLC”)
• Duplicate addresses across entities
• Miskeyed or incomplete data
• Conflicting records across systems

The system validates. It flags anomalies. It filters out inconsistencies before they reach your compliance team.

So how is this different from the old way?

The traditional approach is painfully manual:

• Ops teams Google business names, sift through spreadsheets and eyeball documents.
• You rely on the customer to upload paperwork that may or may not be legible or current.
• You hope the data matches what’s on file, and if it doesn’t, someone has to call and clarify.

That method is slow, inconsistent and it opens the door to fraud, human error and delayed approvals.

Crosswalking automates what your team used to spend hours trying to do by hand and does it better. It doesn’t just make onboarding faster. It makes your entire pipeline cleaner, more accurate and more scalable.

This is the core of why Worth Pre-Fill works.

It’s not about form design, but rather knowing, with confidence, exactly who you’re dealing with from the start.

API-First

Modernizing onboarding shouldn’t mean burning your infrastructure to the ground. With Worth Pre-Fill, it doesn’t have to.

Pre-Fill is built to put API first, designed to snap into your existing stack with minimal lift. Whether you’re running a custom-built portal, a third-party origination platform or a patchwork of in-house tools, Pre-Fill integrates cleanly. It won’t become a 12-month IT project. It will just be smarter data flowing into the systems you already use.

What Implementation Looks Like:

• Fast integration
• Pre-mapped endpoints for KYB, KYC, and document-free verification
• Modular by design, so you can turn on only what you need
• Secure and compliant, built with financial institutions in mind
• Enterprise-grade support, so your dev team isn’t left guessing

Whether you want to pre-fill your existing forms, feed cleaner data into underwriting or just stop chasing EIN documents, Worth Pre-Fill plugs in and gets to work.

Smarter onboarding doesn’t need to be a massive rebuild. Sometimes it’s just the right partner and API.

The Power of Data Scale: 242 Million+ Businesses and Growing

Speed is great. Accuracy is better. But to win at both, you need serious data firepower behind the scenes.

Worth Pre-Fill draws from a database of more than 242 million businesses, which is twice the size of our nearest competitor. That scale isn’t just a vanity metric. It’s what allows us to match, verify and pre-fill with confidence in seconds instead of days.

Because when your data coverage is this deep, a few key things happen:

• More coverage = fewer dead ends. We don’t hit “no match found” when a user inputs a small LLC, a DBA, or a newly registered entity. We find it.
• More matches = less guesswork. Our models are trained on millions of entries, which means they’re smarter at detecting edge cases and weird variations.
• More signals = better fraud defense. With this much data, we can detect when something’s off, like mismatched owner info, duplicate filings or junk inputs designed to bypass filters.

Behind the scenes, our data comes from authoritative, verified sources, not scraped directories or third-party aggregators that rely on outdated info.

We integrate with:

• IRS records for tax ID and filing validation
• All 51 Secretaries of State for business registration data
• FinCEN for ownership and compliance signals
• Credit bureaus for financial identity and behavioral data
• Google Business and geolocation data for context and accuracy

This multi-source approach is what makes our match rate and fraud detection capabilities stand out. We cross-reference it across sources, spot inconsistencies and pull back clean, confirmed data that you can actually trust.

That’s why our users see a 43 percent drop in abandonment.

Nothing kills momentum like uncertainty, and nothing builds trust like getting it right on the first try.

It’s one thing to say your onboarding process is “smarter” or “modern.” It’s another to actually back it up with outcomes. Worth Pre-Fill doesn’t just feel better for users, it delivers real, measurable wins across your entire funnel.

Here’s what you get when AI-powered crosswalking and unmatched data accuracy do the heavy lifting:

Higher Completion Rates

Onboarding is the first impression. If it’s clunky or confusing, customers bounce. Worth Pre-Fill cuts abandonment by up to 43 percent by removing the pain points (manual typing, document uploads, unnecessary steps). Users spend less time filling out forms and more time moving forward.

Faster Time to Approval

When most of the application is already filled out and verified, you’re not waiting on paperwork. You’re not chasing signatures. Approvals move from days to minutes, which means faster time to revenue.

Lower Fraud Risk

With verified data pulled from authoritative sources and AI crosswalk logic flagging inconsistencies, fake businesses and synthetic identities get caught early before they enter your pipeline. You stop fraud at the door instead of cleaning up the mess later.

Fewer Manual Reviews

Every application doesn’t need a human pair of eyes. With Pre-Fill, low-risk, high-confidence matches can move automatically, and your ops team can focus on edge cases and strategic review (not data entry).

Cleaner Audit Trails

Compliance teams love Worth because everything is sourced, validated, and traceable. You get a clear record of how the business was matched and verified, backed by data you can defend in any audit.

A Seamless Mobile Experience

SMB owners live on their phones. Pre-Fill keeps the typing to a minimum, works beautifully on mobile and gets users from first click to final submit with near-zero friction. No pinch-zoom PDFs. No desktop-only disaster forms.

This is what onboarding should look like in 2025: Faster. Safer. Smarter. Easier.

For your SMB customers and your team.

The Future of Onboarding

Fast, accurate and scalable onboarding already exists, and it’s working right now.

Worth Pre-Fill is powering frictionless experiences for financial institutions that are tired of losing deals to clunky forms, outdated data and manual backlogs. It’s not a workaround or a temporary bandaid to your broken workflows. It’s a better system entirely. One that uses real-time data, AI-powered crosswalking and verified sources to get better outcomes for your team and your customers.

And you don’t have to build it yourself. 

Ready to see it in action?

Schedule a demo now.

Let us show you how Worth Pre-Fill can:

• Cut abandonment rates
• Accelerate approvals
• Reduce fraud risk
• Make onboarding something your team doesn’t have to apologize for

The future of onboarding is already live. Worth pre-fill is changing how top institutions onboard SMB.  Let’s see what it can do for you.