The Credit Intelligence Suite
Empowering analysts with precision diagnostic engines to detect fraud, simulate shifts, and assess bankability.
Forensic & Risk Diagnostics
Forensic Scorecard
Detect circular trading and window dressing patterns in financial statements to identify manipulation.
Bank Statement Analyzer
Identify cash siphoning and non-operational circular funding patterns directly from bank statements.
Operating Recaster
Isolate core operational profit from incidental windfalls to assess true business sustainability.
Structural Simulator
Stress-test Balance Sheets against 23+ transformations like asset shifting and debt repayment.
Associate Mapper
Visualize group structures to detect circular funding and artificial net worth boosting.
Asset Quality Analyzer
Apply forensic haircuts to inventory and receivables to calculate the "Real" liquidity coverage.
Ratio Stress Simulator
Simulate interest rate hikes or inventory slowdowns to see the immediate impact on Debt Service (DSCR) and Current Ratio.
Loan Sanction Predictor
AI-driven probability scoring for loan approval based on 2026-compliant financial and behavioral metrics.
Balance Sheet Explorer
Interactively explore Balance Sheet nodes to identify "Hidden Mismatches" and "Long-term vs Short-term" structural risk.
Limit & MPBF Engines
WC Assessment Engine
Evaluate Nayak, MPBF II, and Cash Budget methods for optimal 2026-compliant limit assessment.
CMA Data Generator
Efficiently generate Credit Monitoring Arrangement (CMA) data for WC and TL appraisals.
Depreciation Calculator
Compute SLM/WDV depreciation schedules, book values, and residual values for quick pasting into CMA projections.
EMI & Repayment Appraisal
Calculate EMIs and complete amortization tables. Features a reverse calculator to find exact tenure from target periodic payment.
Project Report Wizard
Build complete 10-page banker-compliant project reports. Auto-configures parameters for PMEGP, Mudra, and MSME term loans.
DP & Margin Optimizer
Optimize margin settings across RM, WIP, and FG to maximize sanctioned limit utilization.
Performance Analytics
Capital Adequacy (CRAR)
Analyze bank capital tiers (CET1, AT1, Tier 2) and evaluate Risk-Weighted Assets (RWA) against regulatory guidelines.
Trend Detection Engine
Auto-detect margin pressure and performance shifts across multi-year financial statements.
NWC Transaction Sim
Simulate business decisions to see real-time impact on Working Capital and Net Worth.
Project Sensitivity
Test DSCR and BEP sensitivity against raw material shifts and interest rate hikes.
BEP Interactive Engine
Simulate safety buffers with real-time break-even graphs for units and turnover.
CCC Optimizer
Visualize DIO, DSO, and DPO interaction to optimize the merchandising cycle efficiency.
Borrower Evaluator
Analyze character and leadership alongside quantitative WC requirements. Audit borrower capacity for 2026-compliant appraisals.
Industry Benchmarks
Benchmarking a borrower's Raw Material, Cost, and Profit composition against dynamic industry standards to detect outliers.
Guided Workflows
Credit Officer Case Workflow
End-to-end guided appraisal: Borrower Intake → CMA Analysis → WC Limit → Sanction Verdict → PDF Memorandum. Replaces scattered tool usage with one coherent journey.
Loan Readiness Score
MSME self-assessment tool. Answer 10 plain-language questions to get an eligibility gauge, traffic-light verdict, and a personalised checklist of what to prepare before approaching a bank.
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