The litigation finance leader's CTPAIO, Michelle Bonat, shared the company's AI approach at Ai4 2026, on the panel "Orchestrating AI Agents: How to Unlock Enterprise-Ready Use Cases."
While much of the industry is still working to connect enterprise AI investment to business results, Golden Pear built its transformation from the core out. The company's underwriting, portfolio, and capital-return models — along with risk models for law firms, cases, and jurisdictions — are proprietary, AI designed and built in-house for the specific dynamics of litigation finance. These are not off-the-shelf tools layered onto existing processes; they are competitive assets that power every funding decision the company makes, from risk assessment to return-optimized capital deployment.
That foundation now extends across the entire company. Teams in marketing, sales, and operations work daily with a growing internal toolkit of AI applications and in-house skills — built, deployed, and taught within Golden Pear — making AI an operating capability rather than a side project.
Behind every agent Golden Pear deploys is Project Daylight, the company's working framework for selecting, building, and monitoring AI agents. Each proposed use case is scored against a rubric for impact, feasibility, and risk, and every agent is developed under the company's AI governance process — always with a human in the loop.
The new AI agent-driven intelligent automation solution is transforming corporate finance by optimizing payment workflows and ensuring alignment across billing streams. The AI permanently scales financial oversight without adding headcount, streamlining internal operations and maximizing capital efficiency. This advanced technology empowers finance teams to protect corporate capital and redirect valuable internal hours toward strategic growth initiatives.
“Most companies are still trying to connect their AI spend to results. We started from the core out — the models that drive funding decisions are ours, built in-house — and we only put agents into production where governance and real ROI show up together. That’s the difference between an AI project and an AI company.”
— Michelle Bonat, Chief Technology, Product & AI Officer
“AI isn’t just a project at Golden Pear — it’s how we run the company. Our AI agents-at-work provide a sustainable source of competitive advantage, driving fundamentally better decision-making and creating a virtuous cycle of learning that translates to excellence in how we serve patients, healthcare providers, and law firms.”
— Meredith Moss, CEO
Bonat joined fellow practitioners and platform builders at Ai4 2026 — held August 4–6 at The Venetian, Las Vegas, with 12,000+ attendees from 90+ countries — on the panel “Orchestrating AI Agents: How to Unlock Enterprise-Ready Use Cases.”
Founded in 2008, Golden Pear Funding is one of the largest specialty finance companies in the United States, providing pre-settlement funding and medical receivables financing nationwide. The company has funded more than $1.2 billion to over 94,000 clients.