The Loanbazaar AI Underwriting Engine.
Traditional underwriting takes weeks. Our proprietary, isolated LLM executes 250+ automated risk checks across six dimensions of risk to generate a fully sourced Credit Appraisal Memo (CAM) in seconds.
Computational Supremacy.
6.2 Second Assessment
Models historical and projected cash flows utilizing 8 quarters of data instantly. No human bias, no delays.
Enterprise Security & Compliance
Operates on a private LLM utilizing AES-256 encryption, strictly aligned with RBI Digital Lending Guidelines.
Dynamic Fraud Topology
Algorithms programmed specifically for regional Indian fraud typologies, acting as an impenetrable risk mitigation layer.
Underwriting Sandbox
Simulate our engine parsing live financial data to generate a dynamic Credit Appraisal Memo.
Term Sheet Generated
Execution time: 6.2s
Credit Health Analyzer.
Put in the numbers from your financials and see the same parameters our credit team works out: EBIT, EBITDA, DSCR, Current Ratio, Debt-Equity, TOL/TNW, Debt to EBITDA and working capital periods, worked out once you complete the three steps.
Your credit health report
Complete the 3 steps on the left: Profit & Loss, Balance Sheet and Loans. Your report appears once all of them are filled.
- Credit health score out of 100
- 20 parameters our credit team uses
- Safe loan amount for your new loan
- Debtor, creditor & stock periods
Checking…
In the free review: Banking trend analysis · Invoice ageing · CIBIL / CMR · AI SWOT (these need your bank statements & documents)
Get a free review from our credit team
We will look at these numbers, run the document checks above, and match you to suitable lenders.
Indicative only. Parameters use LoanBazaar's standard formulas and typical lender comfort levels in India; each lender has its own norms. This is not a loan offer or approval.
More parameters
14 of 20 · hover for formulaThe Magic Stack.
Transforming outdated lending systems through AI-powered API connectivity, enabling real-time loan decisions within 5–15 minutes. We reduce up to 80% of sales, operational, and credit costs for banks by centralizing data for real-time disbursement.
Empowering Channel Partners
A complete aggregation ecosystem. Enter a CIN, PAN, or GST number to instantly access verified company data.
Unified Dashboard
Manage all client proposals, track statuses, and organize documents efficiently in one single place.
AI-Powered Proposal Builder
Auto-generate comprehensive reports, financial ratios, and tailored pitches with zero manual effort.
Massive Impact
A DSA managing ₹10–20 lakh cases can now confidently advise companies worth ₹50,000 Crore with our 24/7 Virtual Sales Manager model.
How the AI Works.
Loan Bazaar’s AI engine automatically fetches and analyzes GST, Banking, ROC, and financial data within minutes to generate powerful underwriting insights.
Smart Reports & Matching
Generates Credit Eligibility Reports and automated NBFC/Bank mapping instantly.
AI-Based Financial Ratios
Computes DSCR, Current Ratio, Quick Ratio, Debt-Equity, and Interest Coverage dynamically.
Business SWOT & Cash-Flow
Delivers deep cash-flow insights alongside monthly banking averages and working-capital gap analysis.
Invoice Ageing & Compliance
Tracks invoice ageing (0–30, 31–60, 61–90, >90 days) and performs CIBIL + CMR Score reviews with Export Revenue Mapping.