Institutional Underwriting
Explainable credit profiles for under-documented businesses.
Stop relying on blind credit scores or unverified paperwork. CreditGraph converts merchant footprints into clear, audit-ready cash-flow statements and supply-chain risk maps.
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CREDITGRAPH API V2
99.2% Match Confirmed
Sharma Electricals
Monthly Reconstructed Turnover: ₹8.4 Lakhs
Reconstructed AP (Suppliers)
₹1.2 Lakhs
Reconstructed AR (Buyers)
₹1.8 Lakhs
Credit limit recommendation
₹4.0L - ₹6.0L
Auditable Underwriting Dashboard
Select any metric box marked with below to slides open the raw transactional evidence trail.
Sharma Electricals
GSTIN: Unregistered | Khata Tenure: 240 Days
Health Score: 82 / 100
Verified Ledger Integrity
Est. Monthly Revenue
₹8,40,000
14% vs last Q
Receivables (AR)
₹1,80,000
4 Registered Buyers
Payables (AP)
₹1,20,000
3 Primary Distributors
Inventory Value
₹3,40,000
18-day average holding cycle
Historical Reconstructed Sales & Verification
Risk Indicators & Explanations
Rather than outputting a black-box percentage, CreditGraph segments repayment capability, supplier health, and operational focus.
Repayment Capacity
Strong
Revenue Stability
Strong (Low volatility)
Buyer Concentration Risk
Moderate Risk
Gupta Traders constitutes 31% of invoice receivables.
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Audit the underlying dataset through real-time query interface.
Why did this merchant's risk profile change slightly in July?
Risk rating moved from 85 to 82. This was driven by a temporary 8% delay in receipt collections from Verma Electric Works, which has since been resolved via UPI transaction ID #1823901 on July 28.