Shopmonkey Case Study | Faster Underwriting Decisions with Grep

Case Study

Shopmonkey:Hours to Minuteswith Grep

"Grep helps me make informed decisions faster. With confidence."

Crystal Anderson, Risk Strategy & Operations, Shopmonkey

Research Time

Hours

Minutes

Customer Friction

Frequent outreach

Only when needed

Decision Confidence

Variable

Data-backed

Fraud Detection

Reactive, slow

Fast, comprehensive

Industry

Auto Repair SaaS

Size

200+ employees

Funding

$110M raised

HQ

Morgan Hill, CA

Product

Grep Deep Research

The Challenge

Manual Research Was Slow and Created Customer Friction

Shopmonkey — Smart. Simple. Made for shop life.

Shopmonkey is the leading cloud-based platform helping auto repair shops run their businesses. Backed by over $110M in venture funding, their credit risk and underwriting team faces a constant stream of decisions: Is this merchant legitimate? Does this business pose a significant risk?

Account reviews required pulling business records, checking for adverse media, scanning for litigation, and verifying ownership across separate data sources. The process was slow, inconsistent, and created friction with good customers who didn't warrant additional scrutiny. As Crystal Anderson, who leads risk strategy and operations, put it: "We would call clients to ask additional questions and request underwriting docs. This sometimes led to resistance, and in some cases, clients became unresponsive."

The team tried Gemini to speed things up. But general-purpose AI couldn't deliver the depth or structure they needed — it required constant prompt engineering and still missed critical details.

The Solution

Research Reports in Minutes, Not Hours

Shopmonkey turned to Grep to transform how their team conducts underwriting research. Instead of manually searching across multiple sources, they submit a business name and receive a comprehensive, sourced report in minutes — covering corporate records, litigation history, news coverage, business reviews, property ownership, and risk signals.

The difference was immediate. Crystal and her team now run every account that raises a yellow flag through Grep before making decisions. The quality of output means they rarely need to dig further.

"It helps me make informed decisions faster and with confidence," Crystal says. "I know that what is populated on the report is current and accurate — if I were to take the time to go look up the data myself, it would match."

"It's almost like a consultant or an extra person on the team. If I don't feel good about something, it gives me that extra push to get confident."

Dominick Oliveri, Risk Analyst

In the Field

The Stripe Story: Saving a Good Customer

The most dramatic example of Grep's impact came when Stripe flagged one of Shopmonkey's merchants for excessive disputes — and was about to shut them down.

Crystal's team didn't see any red flags internally, so she ran the business through Grep. The report surfaced a litigation record for roughly $26,000 and a news clipping that initially seemed concerning.

But the details told a different story. The legal issues were linked to a different business that had since closed. The individual involved had moved on to work at the client's shop. A news interview filmed at the shop's location created a misleading association.

Armed with Grep's research, Crystal told Stripe to stand down. The merchant was legitimate. The flag was a false positive.

"We were able to confidently fight on their behalf and keep them as a client."

Crystal Anderson, Risk Strategy & Operations

Without Grep, that merchant could have been wrongfully shut down — losing access to payment processing and damaging their relationship with Shopmonkey.

The Results

Grep vs. Gemini

"There was no comparison. Grep does the summation, the visuals, the summaries automatically. It even flags insights. Grep was by far superior to Gemini." — Crystal Anderson

MetricBeforeWith Grep
Research per accountHours of manual searchMinutes
Customer frictionFrequent unnecessary outreachOnly when truly warranted
Decision confidenceVariable, dependent on effortConsistent, data-backed
Fraud investigationReactive, slowFast, comprehensive

64

research jobs in first 30 days

45

requests per month (Crystal)

27

requests per month (Dominick)

The team found Grep's data remarkably current. In one case, a report flagged a negative review that dropped a business from five stars to two within the past week — allowing Crystal to investigate context before making a credit decision. "The data is current and very accurate," she said. "I was like, wow, this is really live."

What's Next

Shopmonkey plans to expand their use of Grep as the team grows, with a vision of running every new account through the platform as standard workflow. They're also piloting Grep's custom expert feature — a tailored AI agent pre-loaded with their specific underwriting questions and risk criteria.

"It is absolutely worth paying for," Crystal says. "I'm telling everyone — colleagues, other teams — 'have you heard about this tool? Get on it!' I walk them through the research, the slides, the PDFs, and show the quality of findings and time saved."

Your Team Deserves Better Research

90+ trusted sources. Every claim cited. Reports in minutes.