Underwrite the informal economy with a multi-method eligibility engine — FOIR, DSCR, turnover multiples, banking surrogates and LTV — reconciled into a composite risk grade your committee can defend.
5 / 5 METHODS IN BAND · POLICY MSME-ELIG-V9
REASON CODES ATTACHED · OVERRIDE NOT REQUIRED
FOIR, DSCR, turnover multiple, banking surrogate and LTV computed in parallel per application — each with its own policy thresholds.
Methods reconciled into a single grade with reason codes — credit committee reads the why, not just the what.
FinAnalyze turns twelve months of banking into defensible income signals for thin-file and informal-economy borrowers.
GSTIN validation, turnover crawling, filing-gap flags, Udyam and business-vintage checks woven into the journey.
Thresholds and weights as versioned BRE configuration, with override workflows, deviation capture and full audit.
Hypothecation and property collateral with valuation workflows shared with the LAP module.
See the full journey for this product, configured live against your policies.
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