Your loan files, complete by 9 a.m.Built and run for you.

Your loan file processing worker

Estimate your gain Book a call

Pilot on 100 of your real items
Fixed price, paid on outcome
Live in days

Activity

thinking knowledge graph tool calls human asked actions

Open in your system ↗

Runs inside the tools you already use

Benchmark

A worker. Not a chatbot.

	Chatbots · ChatGPT, CopilotChatbots	Automation · Zapier, UiPathNo-code	M18 workerM18
Reads emails, PDFs, portals		partly
Works unprompted
Handles the unexpected			or hands over
Acts in your tools	partly
Accuracy measured before you pay			100 files
In production	minutes	weeks	days
Operated for you
Billed	per seat	per task	on results

Your numbers come from the pilot: 100 real files, accuracy in writing, nothing due if it fails.

The foundation for your autonomous workforce

A workflow goes in. A worker comes out. It runs in your systems, and we operate it for you.

Outcome

You buy the result, not the tool

Priced against the hours removed. Measured on your data before launch. If the worker doesn't do the agreed job, you don't pay to run it.

Integration

Inside your tools, not next to them

Email, ERP, CRM, portals, spreadsheets. The worker logs in where your team logs in. No migration, no new dashboard to check.

Operation

We run it, every day

Monitoring, edge cases, model upgrades, improvements. Your team receives the output. Nothing to babysit.

What comes in, what your team gets back

The files as they arrive, and the screens that show the work and the trail.

**Loan files**Pay stubs, statements, IDs: read, checked against the application, chased when missing.

**Claims**Photos, quote, policy: the file is opened, the coverage checked, the missing piece requested.

**Invoices**Every line read and matched to the order and the receipt; differences flagged, the rest posted.

**Only the exceptions reach a person**Out of twenty items, three need a human. They arrive with the reason.

mission log · loan files · liveSAMPLE

Mission logEvery page read, field extracted and message sent, with timestamps. Replayable. This is what the audit trail looks like.

pilot report · 100 itemsSAMPLE

Agreement with team96%

Sent to review3

Disagreements1

worker = team96

below threshold → human3

worker ≠ team1

acceptance criterion for build: ≥ 95 % · signed

Pilot reportBefore the build, the worker runs on 100 of your real items next to your team. The agreement rate becomes the acceptance criterion, in writing.

confidence routingSAMPLE

threshold0.82

0.001.00

auto · done87no human touch

review · Jordan13reasoning attached

Confidence routingEvery decision carries a score. Below the threshold you set, the item goes to a person with the worker's reasoning. Nothing is silently wrong.

ledger · monthlySAMPLE

people on the workflow8 → 2

hours / month1,280 → 320

cost / month$83,200 → $20,800

gain / month+$62,400

LedgerHours and cost, before and after, updated monthly. The only dashboard your CFO will ask for.

The pilot

Try it on your data before you buy

No demo on made-up data. The worker runs on 100 of your real items next to your team, and you get the agreement rate in writing.

01
Send 100 real items
Emails, PDFs, portal exports — anonymised if you prefer. Under NDA and DPA, signed first.
02
One week, side by side
The worker processes them; your team does the same. We compare every decision, not a sample.
03
The number becomes the contract
You get the accuracy report. It becomes the acceptance criterion of the build — if the worker doesn't reach it, you don't pay to run it.

Start a pilot Fixed price · credited to the build · one week

Modelled scenarios

Workflows that pay for themselves

Public bids · Construction, 240 employees

Screening every bid the company could go after

Before: 8 people reading SAM.gov and state portals daily
After: 2 people reviewing pre-qualified matches
Gain: $520k/year · 3× more bids covered

Vendor invoices · Distribution, 90 employees

Matching invoices to POs and receipts

Before: 3 AP clerks, 2,000 invoices a month, 5-day backlog
After: 1 clerk handling exceptions, same day
Gain: $150k/year · closes in 1 day instead of 5

Inbound leads · B2B services, 35 employees

Qualifying and answering inbound requests

Before: 2 sales reps triaging 60 emails a day, 9h average reply
After: 0 reps triaging, qualified leads in the CRM in 4 minutes
Gain: $120k/year · 2 reps back on selling

Claims intake · Insurance agency, 60 employees

Opening and completing claim files

Before: 4 handlers re-keying emails and PDFs into the system
After: Files opened, completed and routed before the handler arrives
Gain: $230k/year · 2-day faster settlement

Bookkeeping · CPA firm, 25 employees

Collecting and coding client receipts

Before: 3 juniors chasing documents and coding 6,000 lines a month
After: 1 junior reviewing exceptions, clients chased automatically
Gain: $140k/year · 40% more clients per accountant

Modelled with the estimator's assumptions, not client testimonials. Your own numbers are above.

Industries

Built for the work that costs the most

Where a few people spend their days reading, re-keying and chasing. That's where a worker pays for itself fastest.

Construction & contractors

Bid screening, spec reading, subcontractor document chasing.

Distribution & logistics

Invoice matching, order entry from emails, delivery disputes.

Insurance agencies & brokers

Claims intake, policy document completion, client follow-ups.

CPA & law firms

Receipt collection, coding, KYC, contract extraction.

Real estate & property management

Lease data extraction, tenant requests, vendor quotes.

B2B services

Inbound qualification, quote preparation, onboarding paperwork.

Safe from day one

Control and auditability aren't add-ons. Every worker ships with them.

US or EU hosted

NDA & DPA first

Full audit log

Human in the loop

No training on your data You keep the code Confidence threshold you set Replayable decisions Cancel any month SOC 2 / GDPR ready

Meet the workers

Any workflow. One worker built for it.

We build the worker around your workflow, whatever it is. The five below are ones we have already designed — yours gets its own job description, its own reporting line and a track record you measure before you commit.

alias Nora · The file keeper

Loan file processing

Opens the file at application, builds the checklist for the loan type
Reads pay stubs, statements and IDs, checks them against the application
Chases the borrower, employer and third parties for what is missing
Hands underwriting a complete file with the conditions listed

Reports in LOS · email

4 → 1 processorsreplaces

$190k / yrtypical gain

Any workflow

Your workflow

A new worker, built around it

You show us the task: who does it, in which tools, how often
We design the worker and plug it into your systems
One-week pilot on 100 of your real items, accuracy in writing
Live in days — then we run it, monitor it and improve it

Fixed pricequoted on the first call

Daysfrom pilot to production

alias Argus · The watcher

Bid & RFP screening

Reads SAM.gov, state and city portals every morning
Matches notices to your trades, NAICS and territory
Checks deadlines, set-asides, budget, incumbents
Scores and briefs the go / no-go in one page

Reports in Slack · Teams · email

8 → 2 peoplereplaces

$520k / yrtypical gain

alias Pascal · The matcher

Invoice match

Reads vendor invoices from the AP inbox
Three-way match vs. POs and receipts in your ERP
Flags variances, duplicates, bank-detail changes
Posts approved bills, routes exceptions to a person

Reports in ERP · AP inbox

3 → 1 clerksreplaces

$150k / yrtypical gain

alias Iris · The first responder

Inbound leads

Reads every inbound request within minutes
Enriches the company, scores fit against your ICP
Drafts the reply with the right clarifying questions
Creates contact + deal in the CRM, assigns the rep

Reports in CRM · Slack

2 → 0 repsreplaces

$120k / yrtypical gain

alias Themis · The case handler

Claims intake

Opens the file from the first email and attachments
Finds the policy, checks the coverage rules
Requests missing documents from the insured
Sets the reserve, assigns the adjuster

Reports in Agency system · email

4 → 1 handlersreplaces

$230k / yrtypical gain

alias Luca · The closer

Month-end books

Matches bank feeds, applies and learns coding rules
Chases missing receipts through the client portal
Reconciles sales tax, payroll, fixed assets
Hands the reviewer a short exception list

Reports in QuickBooks · client portal

3 → 1 juniorsreplaces

$140k / yrtypical gain

Pricing

Priced against the gain

Pilot

100 real items, accuracy report, one week. Fixed, credited to the build.

Build

Design, integration, testing on your data. One-time, fixed, paid upfront. Delivered within days.

Run

Hosting, monitoring, fixes, improvements. Monthly, a fraction of the gain. Cancel any month, keep the code.

FAQ

Straight answers

What kind of workflows work best?

Anything repetitive that lives in emails, documents, portals and spreadsheets: monitoring, extraction, matching, classification, first-line replies, data entry between two systems. If a trained person can do it with rules and judgement, a worker usually can.

Do we need to change our tools?

No. We connect to what you already use. If it has a login, we can work with it.

What if it makes a mistake?

It will, occasionally, like a person does. Every low-confidence item is routed to your team before anything leaves, every action is logged, and the accuracy is measured on your data before launch. You set the threshold.

What if it doesn't work?

The pilot shows you the accuracy before you buy the build. If the delivered worker fails the acceptance criterion agreed after the pilot, you don't pay the run fee.

Do you work in the US and in Europe?

Yes. Workers are hosted in the region you choose (US-East or EU-West), contracts and invoices are in USD or EUR, and we work in English and French.

What is an AI worker?

An AI worker is a software agent assigned to one workflow, with its own logins to your systems. It reads the inputs (emails, PDFs, portals), decides according to your rules, acts in your tools and reports to your team. Unlike a chatbot it does not wait for a prompt; unlike a script it handles judgement, and it escalates to a person whenever its confidence is below the threshold you set.

How much does an AI worker cost?

Three lines: a fixed-price pilot (one week, credited to the build), a one-time fixed build paid upfront, and a monthly run fee sized as a fraction of the salary cost removed. The figures are quoted on the first call, once we know the workflow. There is no per-seat pricing and no long-term commitment on the run fee.

How is M18 different from Zapier, Make or RPA?

Those tools execute a script that you design and maintain, and they stop at the first unexpected input. An M18 worker reads unstructured inputs, applies judgement within a confidence threshold, and is operated by M18 — monitoring, fixes and improvements are included in the run fee.

Where does M18 operate?

M18 is based in Paris and works with companies in France and the United States, in French and English. Workers are hosted in EU-West or US-East, in the region you choose.

Tell us the workflow.

One call · a pilot on your data · a fixed price · live in days