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I used to spend 3 hours making a client report manually. Now I upload the ZIP and it is done in 2 minutes. My clients think I hired an analytics team.
NEWNow supporting 20+ Indian banks including HDFC, SBI, ICICI, Axis, Kotak & more
Upload a bank statement. Add GST. Get a readiness score, lender matches, and a professional report in 2 minutes.
See how the loan journey transforms for every stakeholder.
One scroll — watch the complete flow from ZIP upload through document detection, bank parsing, GST fetch, all the way to the readiness report.
Every feature designed for how business lending actually works in India.
Drop ZIP, PDF, or images. Auto-detects bank statements, GST, PAN, Aadhaar, ITR.
20+ Indian banks. Turnover, balance, EMI, bounces, cash flow — month by month.
Auto-fetches via IRIS. Filing compliance, business scope, e-invoice proxy, vintage.
KFS-style with score, bank, GST, lender matches, documents. Evidence-backed.
Ready case? One click to ops. Full snapshot and timeline preserved.
Send to client, RM, or lender. Professional output with direct email and download flow.
See all your cases in one place. Sort by readiness — ready, partial, or weak. Focus on what matters.
Your data stays private. KYC is used only for verification and case processing workflows.
Advisors and owners use phones. DSAs use laptops. Same platform, no app needed.
Whether you advise, distribute, or own — Credilo works differently for you.
Supporting 20+ Indian banks
Hear from advisors, agents, and business owners using Credilo every day.
I used to spend 3 hours making a client report manually. Now I upload the ZIP and it is done in 2 minutes. My clients think I hired an analytics team.
Half my files used to break at document stage. Now I know instantly which borrower is worth pushing to ops and what is still missing.
For the first time, I could actually understand how a lender would read my business. The report gave me clarity before applying anywhere.
I used to spend 3 hours making a client report manually. Now I upload the ZIP and it is done in 2 minutes. My clients think I hired an analytics team.
Half my files used to break at document stage. Now I know instantly which borrower is worth pushing to ops and what is still missing.
For the first time, I could actually understand how a lender would read my business. The report gave me clarity before applying anywhere.
The platform is designed to reduce pressure, noise, and data misuse in the loan journey.
Your data is encrypted and never shared
Used only for validation workflows
Optional phone sharing for WhatsApp report delivery
No commission conflict
A loan readiness score is a 0–100 measure of how prepared a business is for a loan application. Credilo computes it from the same signals lenders check: bank statement health (monthly turnover, average balance, EMI load, cheque bounces), GST filing compliance and business vintage, KYC consistency, and document completeness. A score above 70 typically means a file is strong enough to submit; below that, the report shows exactly what to fix first.
The most common reasons are incomplete documents, cheque bounces in the bank statement, irregular GST filing, high existing EMI burden, and applying to a lender whose criteria don't match the business profile. Most of these are visible in your documents before you apply — which is exactly what a readiness check surfaces, so a rejection never has to come as a surprise.
Everything people ask before they trust a lending-readiness platform with a real business case.
Upload your bank statement PDF on Credilo (or via the free WhatsApp check). We analyse 12 months of transactions, optionally pull your GST data, and give you a loan readiness score out of 100 with matched lenders — in about 2 minutes, before you file a single application.
Most Indian lenders ask for a 6–12 month bank statement, GST returns, PAN and Aadhaar (KYC), ITR for 1–2 years, and business registration proof. Credilo auto-detects all of these from a single ZIP upload and tells you exactly which ones are missing for your target lender.
Neither. Credilo does not disburse loans, charge commissions, or sell your file to lenders. We analyse your documents and show you how lenders will read your profile — so you apply only where you're likely to be approved.
A loan readiness score is a 0–100 measure of how prepared a business is for a loan application, computed from bank statement health (turnover, balances, bounces, EMI load), GST compliance, KYC consistency, and document completeness — the same signals lenders check.
Partners can try one readiness report for ₹49, use DSA Pro at ₹2,499/month for 100 reports, or choose an Enterprise plan by talking to Credilo for custom volume and team onboarding. Business owners get a free WhatsApp readiness check.
Yes. Business owners can check their own loan readiness free on WhatsApp. Paid plans exist only for DSAs, CAs, and financial advisors managing multiple client files.
PAN and Aadhaar are used only for matching and verification within your own case. They are encrypted, never used for marketing or cold outreach, and never shared without your permission.
20+ Indian banks including HDFC, SBI, ICICI, Axis, Kotak, PNB, Canara, Bank of Baroda, IndusInd, and Yes Bank. Password-protected and scanned statement PDFs are supported with fallbacks.
Advising a client, triaging a pipeline, or checking your own business — 2 minutes to clarity.
Check free on WhatsApp →Free for business owners · Secure · 5 minutes