Beyond Credit History.A true measureof business health.
Credablr combines verified financial data, GST compliance records, commercial credit history, and trading relationships into a standardised Business Health Report — helping NBFCs and banks make faster, more accurate MSME lending decisions.
Making invisible
businesses visible.
Traditional lending
misses healthy businesses.
Underwriting was built for a world of paperwork. Modern MSMEs live in a world of UPI receipts, GST invoices, purchase orders, and long-standing distributor relationships — signals that never reach the risk model.
Data Sits in Silos
Bank statements, GST portals, credit bureaus, and trading networks each hold a piece of the picture — but they don't speak to each other in an underwriter's workflow.
Verification is Hard
A business can have strong monthly revenue, loyal repeat customers, and stable trading relationships — yet trading partners are hard to verify and none of it reaches the credit file.
Good Businesses Get Declined
Healthy MSMEs are rejected because the data is incomplete, not because they aren't creditworthy. Lenders miss good opportunities; India's credit gap persists.
Bank data, GST records, credit bureaus, and trading networks live in disconnected systems.
Lenders cannot easily aggregate MSME data across sources at speed.
Creditworthy businesses declined for incomplete data — not lack of creditworthiness.
A business health report
built on verified data.
V1 launches with two core pillars powered by verified API data sources. Two more pillars are on the V2 roadmap.
Financial Health
Revenue consistency, cash flow analysis, GST compliance, and credit history — the verified financial signal lenders can underwrite against.
Operational Health
Customer diversification, supplier relationships, and verified trading partner networks — how the business actually operates day to day.
Digital Presence
UPI transaction analytics, digital payment trends, and social-commerce activity — an additional lens on how modern MSMEs earn.
Business Reputation
Payment behaviour analysis, invoice-to-payment reconciliation, and PO fulfilment tracking — a verified view of commercial trust.
Financial Health + Operational Health with verified API data sources — GST Network, CIBIL Commercial, Account Aggregator.
Digital transaction analytics and payment-behaviour analysis via payment-gateway and accounting-software integrations.
From scattered signals
to a single verdict.
Consent Captured
The MSME grants consent via the Account Aggregator framework so verified data can be pulled securely on their behalf.
Data Collected
Credablr auto-pulls 24 months of bank statements, GSTR-1/3B filing history, e-Invoice buyer/supplier links, and CIBIL Commercial credit history via secure APIs.
50+ Metrics Analysed
Signals are normalised and evaluated across 50+ financial and operational metrics spanning two core pillars.
Faster Decisions
A standardised Business Health Report — comparable, auditable, and lender-ready — flows into existing underwriting workflows.
How we
handle data.
Every data point — bank statements, UPI, GST, invoices — is shared with the business owner's explicit consent.
Data is used only to generate the Business Health Report. It is not resold, syndicated, or repurposed.
Every signal in the report traces back to a verifiable source — designed for lender due-diligence review.
Built on
enterprise APIs.
Credablr integrates with RBI-approved, enterprise-grade data providers — with MSME consent and regulatory compliance built in.
Bank statement analysis, GST data, e-Invoice verification
Commercial credit reports, CreditVision Commercial Rank
Consent-based financial data sharing (Sahamati framework)
Government GST compliance data, GSTR-2A verification
What a Health Report
could look like.
V1 assesses two verified data pillars — Financial Health (0–500) and Operational Health (0–500) — for an overall score out of 1000. Two more pillars land in V2.
Illustrative sample based on synthetic data. Not a live product or generated report.
See a full
Business Health Report.
Each Business Health Report is a two-pillar assessment — Financial Health (0–500) and Operational Health (0–500), for an overall score out of 1000. Data sources are attributed inline (Surepass APIs, CIBIL Commercial, Account Aggregator, GSTN).
Illustrative sample report based on synthetic data — not reflective of a real business or live scoring output.
Built for
financial institutions.
A single, comparable signal — designed to slot into existing origination, underwriting, and portfolio-monitoring pipelines.
Find the value built for you.
Underwrite thin-file MSMEs with confidence.
Two-pillar verified-data assessment (Financial + Operational) that plugs directly into existing credit workflows.
GST compliance and trading-relationship verification give faster clarity on new-to-credit and thin-file applicants.
Serve more first-time borrowers confidently — expanding your addressable market without loosening risk discipline.
“Traditional finance measures
financial history.
We measure business potential.”
Let's discuss
a pilot.
We're partnering with select banks and NBFCs to pilot the MSME Health Score. Get in touch to learn more — we typically respond within two working days.