Smart Credit Decisioning

Assess MSME Credit Readiness in Minutes

A digital MSME credit assessment platform enabling bankers, borrowers, and credit teams to evaluate creditworthiness using transparent, explainable scorecards.

Start Assessment
AGrade-led credit decisioning
6Specialized MSME scorecards
78
Live scoring
Section-level weighted logic
B
Explainable output
Grades, flags, mitigants
PDF
Report ready
Borrower and lender view

Core Scorecard Variants

Quick MSME Scorecard

Fast screening across business vintage, stability, financial strength, conduct, compliance, and collateral comfort.

GST-Based Scorecard

GST-driven appraisal for small and thin-file borrowers using filing behaviour, turnover visibility, and repayment signals.

Banking Conduct Scorecard

Bank statement and account-behaviour assessment focused on conduct, bounces, cash flow, and facility usage.

Enterprise Financial Scorecard

Ratio-led assessment for borrowers with financial statements, leverage visibility, and working-capital analysis.

Renewal / Enhancement Scorecard

Existing borrower renewal and enhancement appraisal covering conduct, performance, security, and relationship value.

Project / Expansion Scorecard

Capex and expansion appraisal for project readiness, sponsor strength, closure, demand, approvals, and collateral.

How It Works

Enter Borrower Details

Create a borrower profile with name, constitution, business segment, turnover, and proposed loan details.

Get Recommended Scorecard

Answer a quick inputs availability questionnaire to receive the best-recommended scorecard option.

Complete Live Scorecard

Answer parameters with live score updating, toggling Not Applicable values, and selecting red flags.

Generate & Download Report

Analyze risk level, strengths/weaknesses, check conditions, and download a professional printable report.

Sample Assessment Preview

Arogya Organic Foods LLP. Case ID: C-SAMPLE-09 | Scorecard: GST-Based MSME Scorecard

Arogya Organic Foods LLP

Case ID: C-SAMPLE-09 | Scorecard: GST-Based MSME Scorecard

Grade B • Low Risk

Final Score

78 / 100

Approve with standard terms

Key Strengths & Red Flags

  • ✓ GST Turnover is consistently growing (> 15% YoY)
  • ✓ Regular monthly GST filing with zero delayed dates
⚠ Warning: Occasional bank credit mismatch detected (Medium Severity)
Disclaimer: This score is an indicative credit assessment generated based on information entered by the user. Final credit decision remains subject to lender policies, document verification, and due diligence checks.