MSME & SME Lending Intelligence
Complete MSME financial profiling from bank statements alone — vintage analysis, business/personal split, counterparty mapping, and peer benchmarking without ITR or balance sheets.
MSME borrowers lack formal financial records
MSME borrowers lack audited financials — bank statements are the only source of truth. Lenders either rely on incomplete data, skip MSMEs entirely, or spend weeks building manual profiles.
Complete MSME profile from bank statements alone
Vintage & Stability, Peer Benchmarking, Business vs Personal Expense Split, and Counterparty Analysis give a complete MSME financial profile — without any ITR or balance sheet.
Key Capabilities
Vintage & Stability Analysis
Measure how long the business has been banking — account age, credit history vintage, and income stability over years.
Business vs Personal Separation
AI separates personal and business transactions from mixed accounts — common in MSME banking — to isolate true business income.
Counterparty Analysis
Identify key business relationships — top customers, suppliers, and related parties — from transaction data alone.
Peer Benchmarking
Compare the MSME's financial behaviour against sector-level benchmarks for similar-sized businesses.
Seasonal Cash Flow Patterns
Identify peak revenue months, lean periods, and working capital cycles critical to structuring MSME loan repayments.
No ITR Required
Full financial profiling using only bank statements — no ITR, no audited P&L, no balance sheet needed.
How It Works
Statement Collection
Collect 12–24 months of bank statements for all business accounts — current, CC, OD — from any bank.
Business / Personal Split
AI classifies all transactions — business income, personal expenses, GST, payroll — from the same account.
MSME Financial Profile
Vintage, income stability, counterparty relationships, seasonal patterns, and working capital metrics are computed.
Lending Intelligence Report
A complete MSME financial profile report — structured for credit committee, NBFC policy, or government scheme eligibility.
Who Uses This
Underwrite small business loans without requiring ITR or audited financials — using bank statements as the sole input.
Assess first-time borrowers and micro-enterprises using cash flow analysis when no formal financial records exist.
Generate eligibility profiles for PMMY, CGTMSE, and other government lending schemes from bank statement data.
Get deep business intelligence — counterparties, seasonality, working capital — without months of manual analysis.
Standardize MSME borrower profiles across multiple origination partners for consistent co-lending risk assessment.
Assess supplier and buyer creditworthiness based on actual transaction flows with anchor corporates.
Unlock the MSME credit market
Book a demo and see a complete MSME financial profile generated from a real bank statement — no ITR required.
Book a Demo