Credit Assessment Memo

A full credit assessment
In minutes.

Binocs automates credit assessment workflows — analysing financials, bank statements, tax filings, and bureau data to generate a complete lender-ready CAM with risk scoring and underwriting insights.

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Manual underwriting can't scale to the volume of SME credit demand.

Underwriters spend time on data entry
No audit trail on decision rationale
Inconsistent credit decisions
Story disconnected from the data room

WHAT'S INSIDE

Every risk angle covered.
Every source document checked.

Risk Assessment

Flags tax discrepancies, leverage concerns, and liquidity risks across audited and projected financials.

Cashflow Calculations & Projections

Computes DSCR, models free cash flow, and stress-tests repayment capacity at your proposed loan terms.

Bureau Report Analysis

Reviews revenue volatility, profitability margins, liquidity ratios, and leverage trends from bureau data.

Bank Statement Analysis

Scrutinises transaction patterns, balance volatility, large inflows and outflows, and liquidity fluctuations across uploaded bank statements.

Tax Return Analysis

Verifies tax filings against audited revenue figures. Identifies reporting discrepancies, delayed filings, and tax compliance risks.

Loan Scoring Model

Applies a multi-factor scoring model trained on historical loan performance to predict credit risk and generate a lending recommendation.

HIGHLIGHTS

Built for the rigour
regulators demand.

Live data integration
Agentic AI underwriting framework
Document classifier and verification
Loan scoring model

Process your next credit file in minutes, not days.

Upload bank statements, GST returns, and financials. Get a complete CAM with risk flags, cashflow analysis, and a scored lending recommendation.

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