Credit intelligence
for Indian MSME
lending.
India has a $530B MSME credit gap.The bottleneck isn't capital — it's the hours underwriters spend manually triangulating GST returns, bank statements, and ITR before making a decision. This agent does that in seconds.
Underwriters are buried in documents
A typical MSME credit file has 8–12 documents — GST returns, ITR, bank statements, balance sheets, Tally exports, CA certificates. Cross-referencing them manually takes hours. The actual credit judgment gets 30 minutes.
Manual triangulation misses signals
A business showing ₹2Cr GST turnover with ₹80L in bank credits isn't just a discrepancy — it's either a cash-heavy operation or income suppression. These patterns are caught late, if at all.
AI triangulation with a credit narrative
The agent cross-references the three primary Indian MSME financial signals — GST, bank credits, ITR — applies underwriting logic, and delivers a structured brief with a risk narrative the underwriter can act on immediately.
NBFCs, fintechs, embedded lenders
Built for mid-market lenders, trade finance providers, and embedded finance platforms onboarding MSME borrowers — where speed of underwriting is a competitive differentiator.