Zero-Friction Bookkeeping

The ledger that lives where the merchant already works.

Merchants do not want to learn accounting apps. CreditGraph structures invoicing, inventory tracking, and ledger entries directly from WhatsApp threads, vernacular voice inputs, and photos of paper slips.

Try Ingest Demo

CreditGraph Business Hub Online AI Ledger Assistant

"Namaste. Log sales, receipts, or invoices here via voice note or photo."

🎙️ Audio note (0:12) - "Bhai kal Gupta ko 20 hazar dena hai, maal aa gaya hai."

Recorded.
Payable to Gupta Traders: ₹20,000.
Due: Tomorrow (16 Aug 2026).
Invoice: Pending upload.
Auto-transcribed from Hindi speech.

Multimodal Ingestion Systems

Click each input source below to audit how our NLU parses different commercial footprints.

Voice Note Analysis

"Ramesh ne 35 hazar ka maal liya tha, 10 hazar de diya, baaki agle hafte dega."

AI Extraction Logs

                                [Entity] Customer: Ramesh Kumar

                                [Value] Invoice Value: ₹35,000

                                [Value] Paid Amount: ₹10,000 (Cross-checks bank)

                                [Balance] Accounts Receivable: ₹25,000

                                [Maturity] Maturity Date: 22 Aug 2026 (7 days)

OCR Ledger Extraction

Simulated Photo Upload
Bill_0815.jpeg (Handwritten retail book scan)

Parsed Output

                                [OCR] Confidence: 98.2%

                                [Vendor] Gupta Electricals, Ambattur

                                [Line 1] 2.5mm Wire Reels x 10 = ₹15,000

                                [Line 2] LED Bulbs Box x 5 = ₹5,000

                                [Total] ₹20,000 Payable (Unverified status - pending UPI payment)

Automated UPI SMS Parser

"Received ₹10,000 from Ramesh Kumar Ref 6231920194 at 14:20."

Cross-Modal Reconciliation

                                [Trigger] SMS received from Bank V-HDFC

                                [Match] Paid Amount: ₹10,000 matched with Ramesh receivable claim

                                [Action] Auto-updating Receivable balance of Ramesh Kumar to ₹25,000

                                [State] Status: Reconciled & Verified ✓

Live Interactive Sandbox

Test the Ingestion Parser

Select any of the business logs on the right. Watch how our natural language parsing engine transcribes the dialects, tags entity properties, and matches transaction indexes instantly.

This shows the backend CreditGraph engine processing everyday business declarations in real-time.

Live Sandbox Demo Interactive Engine

Dialect

Select a preset above to run the live transcription and NLU parser...

                        > Console inactive. Waiting for preset trigger...
                    

Ledger Output

The Merchant Intelligence Hub

What the merchant sees — compiled automatically from conversational logs.

Sharma Electricals Dashboard

Last Sync: 10 mins ago

Ready for Credit Underwriting

Daily Sales Volume

₹42,000

9 Transactions Verified

Outstanding receivables

₹1,80,000

4 Customers (Gupta Traders dominant)

Expected cash (7d)

₹94,000

Based on verbal/written maturities

Credit Readiness Score

84 / 100

Ranked: Strong Debt Capability

Entity / Transaction	Reported Details	Ledger Entry	Status Flag
Gupta Traders	Maal received, invoice uploaded	₹20,000 Payable	Pending Payment
Ramesh Kumar	Voice note claims: ₹35k sales, ₹10k paid via UPI	₹25,000 Receivable	Verified (Bank Match)
Verma Electric Works	Custom copper coils delivery confirmed	₹60,000 Receivable	Verified (OCR Bill)

Credit Readiness Engine

Optimizing Capital Eligibility

Our Credit Readiness engine works continuously, advising merchants on what is missing from their financial profile to secure the best lender terms.

Merchant History Under-documented

Missing: 2 additional months of continuous voice logging history. (Target: 90 days)

Customer Concentration Detected

Warning: 31% of receivables belong to Gupta Traders. Diverting buyers reduces systemic risk.

Suggested Micro-Actions to Improve Score

Merchants can boost score eligibility by performing simple transactional audits:

Prompt customer Ramesh to confirm pending ₹25K receivable timeline on WhatsApp.
Upload Bajaj Distributor invoice receipt copy to reconcile ₹1.2L payable.
Log walk-in retail sales daily to balance credit ledger trends.

Predictive Underwriting Assets

Reconstructing Cash-Flow & Working Capital Gaps

Using reconstructed transaction trends, CreditGraph builds 7-day cash flow projections for lenders, identifying precise liquidity gaps.

Capital Gap Alert: Around Thursday, the merchant faces a ₹75,000 payable to Bajaj Electricals while expected collections are only ₹15,000. Underwriting engine identifies a net capital gap of ₹35,000 requiring credit intervention.

Analyze in Lender Console