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Mid-Corporate Lending

We empower India’s mid-sized and emerging enterprises with a fully digital, institution-grade credit infrastructure. Through our integrated suite — Artemis for loan onboarding and booking and Credlyst for credit and risk intelligence — we streamline the entire credit deployment process.

Credlyst

Advanced credit and risk engine for
NBFCs and lenders

Credlyst is a specialised underwriting and risk evaluation platform designed to empower NBFCs with comprehensive credit assessment capabilities. It provides a structured framework for risk evaluation, combining financial health analysis, repayment capacity assessment, and sectoral or geographical exposure insights.

Credlyst aims to streamline credit assessment process with well-defined workflows, templates and automated checks by pooling data from various sources ensuring regulatory compliance and disciplined underwriting for mid corporate lending.

whoisit

Who is it
for?

Key features

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01

Onboarding and Due
Diligence (Credlyst)

  • Compliance Checks: GST, EPFO, AML, litigations.
  • Financial & Background Checks: Bank Statement Analysis, Bureau, Crime Check.
  • Financial Data Collection: GST, EPFO, Auto-extracts P&L statements and balance sheets.
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Risk Assessment
and Calculations (CMRS)

  • Financial Statement Processing: Automated processing of financial statements.
  • Risk Metrics and Ratios: Auto-calculates key ratios and risk metrics per organisational underwriting standards.
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Three Outputs
for Credit Decisioning

  • Credit Information Report (CIR): Detailed borrower profile with background checks, financial health, and risk ratings.
  • Limits: Proposed loan limits based on CIR + CMRS outputs.
  • Head of Terms (HOT): Term sheet with principal, interest, tenure, security, and covenants.
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04

Credit Committee
Approval

  • Independent Review: CIR, Limits, and HOT reviewed independently.
  • Disciplined Approvals: Ensures transparent, structured, and compliant credit decisions.

Value delivered

Comprehensive Risk Profiling

360° due diligence combining bank statements, CIBIL, and crime checks.

Effortless Financial Data Collection

Automatic extraction of P&L statements and balance sheets.

Data-Driven Risk Assessment

Standardised financial ratios and risk thresholds reduce manual errors.

Structured Credit Decisioning

CIRs with risk ratings, exposure limits, and automated term sheets for disciplined approvals.

Governance and Audit Compliance

Committee-ready outputs ensure transparent and compliant credit decisions.

Streamlined Onboarding and Due Diligence

Single-platform checks for compliance, litigations, and financial health.