Credits Insights

    Assessing the creditworthiness of MSMEs, SMEs, and startups doesn't have to take days. Our Credit Analysis Report brings together data from GST, bank statements, bureau reports, MCA filings, legal history, financials, and web sources into one unified, intelligent report — generated in under ten minutes.

    Everything You Need to Succeed

    Powerful features designed to transform your business operations

    7+ data sources unified — GST, Credit Bureau, Bank Statements, MCA, Legal History, Financials, and Web Search

    Cross-verification engine that triangulates customers in GST with actual bank deposits and validates bureau exposures

    20,000+ HSN codes mapped across 200+ industries for benchmarking margins, working-capital intensity, and seasonal trends

    Detects customer and supplier concentrations, related entities, and recent legal or web developments

    AI-generated proprietary credit score to rank borrowers objectively

    Comprehensive reports in under 10 minutes — what once took days of manual effort

    Tailored insights for MSME, SME, and Startup segments with GST-bank consistency and promoter discipline analysis

    Frequently Asked Questions

    Get answers to common questions about Credits Insights

    Our system automatically pulls data from seven trusted sources — GST, Credit Bureau, Bank Statements, MCA, Legal History, Financials, and Web Search. It then triangulates these sources by cross-checking customers listed in GST with those actually seen in bank deposits, validating bureau exposures, and analyzing promoter repayment discipline. What once took days of manual effort across multiple separate tools now happens in under ten minutes, accurately and consistently.
    The cross-verification engine goes beyond simple data aggregation. It compares GST transactions with bank credits, matches bureau data with financials, and confirms whether revenues are real. Trained on thousands of businesses, the system identifies discrepancies, highlights customer and supplier concentrations, and detects related entities — giving you confidence in the accuracy of every credit decision.
    The report maps more than 20,000 HSN codes across over 200 industries, benchmarking margins, working-capital intensity, and seasonal trends specific to each business type. This deep industry context helps you understand whether a borrower's financials are in line with their sector, identify seasonality patterns, and assess whether working capital needs are reasonable for their industry.
    Each report is tailored to the borrower segment — whether MSME, SME, or Startup. For each type, you'll see GST-bank consistency checks, seasonality patterns, customer mix analysis, promoter discipline insights, and any emerging risks. The result is comprehensive insights that matter most for each borrower category, so every credit decision is faster and better-informed.
    All the cross-verified data, industry benchmarks, and risk indicators roll up into one easy-to-read summary with a proprietary AI-generated credit score. This score allows you to rank borrowers objectively based on comprehensive analysis rather than gut feel, giving you a consistent framework for credit decisions across your entire portfolio.
    With the Credit Analysis Report, what once took weeks across multiple systems now takes minutes. Analysts no longer need to switch between separate tools for each data source, reconcile numbers manually, or re-enter data again and again. You gain richer insights, stronger accuracy, and complete visibility — turning scattered data into smart, actionable credit intelligence in under 10 minutes.