Credflow's AI agent monitors cash flows, identifies creditworthy businesses, originates loans, and manages collections — without a single human in the loop.
Connects to GST, bank statements, and accounting software via the Account Aggregator framework. Builds a real-time financial picture of every business in the network.
Scores businesses on cash flow stability, growth trajectory, and sector risk. Targets businesses that need capital but fall through the cracks of traditional underwriting.
Sends personalized loan offers via email and WhatsApp. Handles documentation, compliance checks, and disbursement through integrated NBFC and bank partners.
Tracks repayment health in real time. Sends proactive nudges, renegotiates terms, and escalates only when necessary. Reduces NPA risk through early intervention.
Traditional lenders spend weeks collecting documents and manually reviewing them. Credflow's agent pulls cash flow data automatically and makes credit decisions in hours, not weeks.
Human BD teams work 9-to-5 and can only cover so many accounts. Our agent works 24/7, identifying and reaching out to creditworthy businesses the moment they show signals of capital need.
Static credit scores go stale the moment they're generated. Credflow's agent continuously refreshes cash flow intelligence — catching deterioration before it becomes a default.
When payments are late, human agents slow down the recovery process. Our agent initiates contact immediately, negotiates restructured terms conversationally, and escalates edge cases to human agents only when needed.
India's 63 million small businesses generate $800 billion in credit demand. Formal lenders serve less than 20%. The rest borrow from informal channels at punishing rates — or simply don't grow.
The bottleneck was never demand. It was the cost of matching credit to the right business at the right time. That cost just collapsed. The window for autonomous lending at scale is open right now. Credflow is how we walk through it.
India needs credit infrastructure that scales with demand, not with headcount. Credflow is the company that builds it.