MSME Credit Intelligence
AI Credit Scoring for 63M+ Indian MSMEs
Assess MSME creditworthiness using bank statements and GST data. Enable collateral-free lending at scale — profitably.
10×
Faster approval TAT
70%
Underwriting cost reduction
40%
More approvals for eligible MSMEs
25%
Reduction in portfolio defaults
The MSME Credit Gap — Solved
Traditional credit infrastructure was never built for MSMEs. Santulan is.
Without Santulan
- ✗63M+ MSMEs lack formal financial statements
- ✗Traditional credit scores miss true business health
- ✗Manual analysis takes weeks and delays approvals
- ✗Inconsistent decisions lead to high default rates
With Santulan
- Analyze 6–12 months of bank statements in minutes
- Extract real income and expense patterns with AI
- Verify GST filings for actual business turnover
- Detect fraud and anomalies automatically
Key Capabilities
Four Pillars of MSME Credit Intelligence
Bank Statement Analysis
- Extract 6–12 months transaction history
- Classify income vs business expense
- Identify hidden EMI obligations
- Detect cash flow seasonality
GST Intelligence
- Real-time GSTN integration
- Turnover trend analysis
- ITC compliance scoring
- Circular trading detection
Business Health Scoring
- Repayment capacity calculation
- Cash flow stability rating
- Business growth trajectory
- Risk-adjusted credit limit
Fraud Prevention
- Statement manipulation detection
- Anomaly pattern recognition
- Circular transaction flagging
- Income inflation identification
Start Today
Ready to Scale
MSME Lending?
Join cooperative banks, SFBs, and NBFCs enabling financial inclusion with AI-powered credit intelligence.