MSME Credit Scoring

About This AI System

Advanced machine learning for MSME credit assessment with comprehensive risk analysis

Privacy & Security: All data is processed locally and securely. Your financial information is never stored or shared with third parties.

Our comprehensive AI system combines transaction analysis, computer vision, and fraud detection to provide accurate creditworthiness assessments for micro, small, and medium enterprises in developing nations.

Cash Flow Analysis

Advanced algorithms analyze income stability, expense patterns, and balance trends

Fraud Detection

Multi-layered fraud detection with pattern recognition and anomaly detection

Premises Analysis

Computer vision assessment of business premises and operational capacity

ML Predictions

Ensemble machine learning models with confidence intervals and feature importance

Upload Bank Statement

Start your credit assessment by uploading transaction data

Select Your Bank Statement File

Drag and drop your CSV or JSON file here, or click to browse

Choose File

File Requirements:

Supported Formats: CSV (.csv) and JSON (.json) files

Required Columns: date, description, amount

Optional Columns: balance, category, reference

File Size Limit: Maximum 16MB

View Sample Data Formats

CSV Format:


date,description,amount,balance

2024-01-15,Business Income,3500.00,5250.00

2024-01-16,Supplier Payment,-850.50,4399.50

2024-01-17,Equipment Purchase,-1200.00,3199.50

JSON Format:


[

  {"date":"2024-01-15","description":"Business Income","amount":3500.00,"balance":5250.00},

  {"date":"2024-01-16","description":"Supplier Payment","amount":-850.50,"balance":4399.50}

]

How It Works

Understanding the credit scoring methodology

Income Analysis

Examines income stability, frequency, and sources to assess earning capacity and consistency

Expense Patterns

Analyzes spending habits, categorizes expenses, and identifies financial discipline indicators

Balance Trends

Tracks account balance movements, overdrafts, and overall financial stability over time

Financial Ratios

Calculates key ratios like debt-to-income, savings rate, and liquidity measures

Machine Learning Approach:

Our system uses Random Forest regression with feature engineering to predict credit scores on a 300-850 scale. The model considers over 50 financial indicators and provides confidence intervals for each prediction.

Advanced Features

Comprehensive financial analysis capabilities

Cash Flow Patterns

Daily, weekly, monthly analysis
Income frequency detection
Seasonal pattern recognition
Volatility measurements

Risk Indicators

Overdraft frequency
Large transaction flags
Unusual activity detection
Return/chargeback analysis

Expense Categorization

Automatic expense classification
Essential vs. discretionary spending
Category-wise ratio analysis
Spending pattern insights

Credit Score Factors

Income stability (25%)
Expense management (20%)
Balance consistency (20%)
Financial ratios (15%)
Risk indicators (20%)