A Credit Bureau for the Physical World
Remote cash flow underwriting for India's 13M+ kirana stores. We replaced a 5-day, ₹2,000 field-officer process with a 10-second AI pipeline that fuses vision, geography, payment behavior, and economic reasoning to generate a formal credit decision.
13M+
Kirana Stores Addressable
10s
End-to-End Decision Time
90%
Cost Reduction vs Field Visit
₹25K+
Micro-Loans Now Profitable
How It Works
From smartphone photo to disbursement decision in under 10 seconds
Capture
Field agent uploads 3–5 interior photos, a supplier bill, and a bank statement via our mobile-first portal.
Vision
14 features extracted (V1–V7 visual + G1–G7 geo-spatial) via YOLO-based shelf density analysis.
Fusion
Supply × Demand × Location × Seasonality fusion model synthesises multi-signal revenue proxy.
Trust
5 fraud patterns + 4-component confidence score with EXIF metadata audit and cross-validation.
Decide
Loan eligibility band + auto-generated PDF Sanction Report. Underwriting completed in seconds.
4 Core Innovations
Each independently grounded in microeconomics. Together unbeatable.
Multi-Signal Revenue Proxy
Fuses vision (YOLO shelf features) + geo-spatial (OSM) + document (OCR) signals. Single inflated source can't fool consensus. Catches 3 fraud patterns at intake.
Cash Conversion Cycle Estimator
Inventory + Receivables − Payables. Reveals true solvency. Auto-recommends loan band: supplier-funded, balanced, capital-intensive, or high-risk.
Location Intelligence
Demographics × Competition × Traffic × Tier produces 0.35×–1.85× multiplier. Free Census + OSM + Google Places. Tier 2/3 markets unlocked.
Dynamic Confidence Recalibration
Multi-factor confidence with fraud penalty gates. Every EMI payment retrains the model. Portfolio-level NPA learning auto-tunes weights over time.
Before vs After
From manual judgement to AI-driven credit intelligence
Manual Underwriting (Today)
- ✕Field officer visits store · 30–60 min observation
- ✕₹800–₹2,000 per application
- ✕5–10 days to decision
- ✕±40% income variance between officers
- ✕Owner-declared income inflated 30–80%
- ✕Min loan ₹1.5–2L (cost floor)
- ✕Tier 2/3 unreachable
Guardian AI Workstation
- ✓Photos, GPS & documents fused in < 10 sec
- ✓₹80–₹200 per application (90% ↓)
- ✓Instant PDF Sanction Report generation
- ✓Deterministic — same input, same output
- ✓Truth-Layer Verification & OCR validation
- ✓₹25,000+ loans now profitable
- ✓Works anywhere in India
Enterprise Validation Framework
Our underwriting engine maps to every dimension of institutional credit risk policy
Feature Extraction
Deep YOLOv8 integration for visual shelf density and SKU diversity proxy.
Economic Logic
Multi-Signal Revenue Engine fusing computer vision with OSM geo-spatial intel.
Cash Flow Analysis
CCC (Cash Conversion Cycle) calculator deriving accurate solvency metrics.
Guardian Fraud Audit
Forensic Flashcard logic detecting staging, duplicate evidence, and EXIF spoofing.
Production Ready
FastAPI backend, React UI, automated PDF Sanction Reports, and LOS-ready outputs.
Ready to underwrite at scale?
Upload store evidence and run an AI-powered credit assessment in under 10 seconds. Zero field visits. Automated decisions.