Credit Mantra
A next-generation suite of intelligent credit decisioning and cashflow analysis tools. Assess borrower credit risk, analyze financial statements, run calculators, and query our AI assistant.
Credit Mantra Suite of Tools
Upload bank statements in PDF or CSV format. Our engine extracts transactions, balances, salary, business cashflow, and categorizes expenses automatically.
Launch Analyzer →Evaluate small business stability. Analyzes cash flow consistency, operational cash surpluses, debt service coverage ratio (DSCR), and business expenses.
Launch SME Analyzer →Interactive financial models including EMI, progressive Tax, Debt-to-Income, and Loan Affordability calculators with dynamic charts.
Open Calculators →Developer portal allowing integrations. Generate API tokens, read REST documentation, and test requests using our interactive developer sandbox.
API Portal →Have questions about borrowing capacity, interest rates, risk metrics, or how to improve your score? Engage with our intelligent conversational bot.
Chat with AI Assistant