Onboarding Underwriting Lending CRM Monitoring
Platform/Underwriting

MODULE · AI CREDIT UNDERWRITING

A complete credit and compliance view in one click.

250+ checks across six risk dimensions. One shareable report.

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360° REPORT · SAMPLE INDUSTRIES6.2S · 247 / 250
RegulatoryNo flags
Compliance · GST · EPF · TDSOn time
Bureau · CIBIL · CRIF1 settled
Litigation · NCLT2 ongoing
Financial · 12mo flowStable · ₹4.66 Cr
Related-party · MCA4 entities
Adverse mediaClean
CAMView 15-page memo →

THE 360° REPORT

Every check. Every source. One shareable report.

Pulls from bureau, GST, banking, MCA, NCLT, EPF, audited financials & 100+ sources. Reconciles into one auditable report.

EVERY ANGLE OF RISK

Six risk dimensions. One pass.

Six independent risk dimensions: financial, legal, regulatory, reputational.

01
Regulatory

Adherence to laws. Surfaces legal risks early.

02
Compliance

Continuous monitoring vs industry standards.

03
Financial assessment

Financial stability, performance, business impact.

04
Media

Media monitoring. Reputation flagged before it spreads.

05
Litigation history

Inherited legal risk from third-party relationships.

06
Bureau checks

Promoter & director bureau history. Credit-behaviour patterns.

ASK AICA

Talk to the report.

Conversational layer. Ask anything, get instant sourced answers.

  • Natural-language queries

    No SQL. No filters. Ask questions the way your credit team thinks.

  • Sourced answers, every time

    Every claim cites the underlying source, MCA, bureau, GST portal, court records.

  • Generate a CAM in one prompt

    "Generate a 1-page CAM", AICA writes it, formatted to your template.

ASK AICA · LIVESAMPLE INDUSTRIES
YOU
What's the GST-banking reconciliation gap?
AICA
Gap of ₹14.2 lakh over 12 months. Banking inflows show ₹4.8 Cr; GST-reported turnover is ₹4.66 Cr. Most of the variance falls in Q3 FY25, likely cash transactions outside GST. Recommend manual review.
SOURCED · GSTR-3B FY25 · HDFC BANK STATEMENT · GENERATED 1.4S
RECONCILIATION · 12-MONTHUPDATING LIVE
GST · bankingMatch · ₹4.66 Cr
Banking · auditedMatch · ₹4.81 Cr
GST · auditedVariance · ₹14L
Cash · auditedMatch
EBITDA · 3-year trend+12% CAGR
Working-capital cycle52 days
Debt-to-EBITDA1.8x

REAL-TIME RECONCILIATIONS

Reconciled in seconds. Updated forever.

Reconciles GST, banking & financials continuously. Variances surface instantly.

  • Three-way reconciliation

    GST × banking × audited financials, cross-checked across every period.

  • 100+ hours saved per due diligence

    What a credit ops team does in 2 weeks, AICA does in seconds.

  • Audit-ready trail

    Every reconciliation is sourced and timestamped. Drop it into any audit pack.

UNDERWRITING AT AICA

The numbers that matter.

250+
AUTOMATED CHECKS
6
RISK DIMENSIONS
100+
SECONDARY SOURCES
6.2s
AVG REPORT TIME
"
AICA cut our underwriting TAT from nine days to thirty-six hours. The team now spends time on credit decisions, not on data collection.
HC
Head of Credit MID-MARKET NBFC · BENGALURU

THE NUMBERS BEHIND THE QUOTE

9 days→36 hrs
UNDERWRITING TAT
42 hrs→4 hrs
CAM GENERATION
+1,420 hrs
SAVED IN 90 DAYS
"
Partner onboarding used to take a week of back-and-forth. AICA gives us a complete due diligence file in seven seconds, partners go live the same day they apply.
CO
Co-Founder · COO LENDING-TECH FINTECH · MUMBAI

THE NUMBERS BEHIND THE QUOTE

7 days→1 day
PARTNER ONBOARDING
5 hrs→4 min
DILIGENCE PER PARTNER
4×
PARTNER ACTIVATION VELOCITY
"
We due diligence two thousand vendors a quarter. AICA replaced eight people doing reconstruction work, and our miss rate dropped to near zero.
VR
Head of Vendor Risk LISTED FMCG ENTERPRISE

THE NUMBERS BEHIND THE QUOTE

8 FTEs→0
ON RECONSTRUCTION WORK
2,000+
VENDORS SCREENED PER QUARTER
96%
RED-FLAG CATCH RATE
"
Our portfolio monitoring used to be quarterly. With AICA's continuous EWS we get stress signals the same week they emerge, three saves last quarter alone.
ID
Investment Director MID-MARKET CREDIT FUND

THE NUMBERS BEHIND THE QUOTE

Quarterly→Continuous
PORTFOLIO MONITORING
24 hrs
EWS ALERT WINDOW
3 saves
IN Q1 ALONE

SEE IT IN ACTION

Run a real due diligence in under 7 seconds.

Book a demo to see live underwriting on a third party of your choice.

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A Recur Club product