Cygnet Finalyze is a next-generation credit decisioning platform that bridges fragmented compliance data with confident financial decisions. Powered by verified data and AI, it unifies borrower risk assessment, data verification, and fraud control into a real-time engine built for precision and speed. Designed for banks, NBFCs, corporates, and MSMEs, Cygnet Finalyze accelerates credit analysis, lending decisions, compliance checks, and risk monitoring while reducing fraud exposure and operational delays.

Features

• Credit Risk Assessment Platform:
  • GST analysis and compliance scoring
  • Bank statement analysis using AI/OCR and Account Aggregator integration
  • Financial statement analysis with ratios and performance metrics
  • ITR analysis for income assessment
  • Invoice verification for trade financing
• Trade Finance & Supply Chain Risk Control:
  • Consent and non-consent-based invoice authenticity checks
  • Fraud prevention for invoice financing
  • Audit sampling for post-financing compliance
• Intelligent Decision Engine:
  • Real-time scoring and insights generation
  • LLM-powered quantitative and narrative insights
  • Mismatch and anomaly flagging
  • Audit-ready, explainable reports
• GRC Score & GST Business Intelligence Report:
  • Non-consent-based compliance scoring
  • Business intelligence leveraging GST filing and tax payment trends

Benefits

• Accelerate Credit Decisions: Underwrite SME loans in under 10 minutes, cutting approval cycles by up to 80%.
• Reduce Risk Exposure: Detect fraud signals and financial risks before disbursal, minimizing defaults by up to 20%.
• Ensure Compliance: Generate transparent, traceable, and regulator-compliant reports instantly.
• Unify Financial Data: Consolidate GST, ITR, bank statements, invoices, and bureau data in one platform.
• Standardize Risk Policies: Apply consistent underwriting rules across teams and geographies.
• Score with Confidence: Evaluate vendors, buyers, and distributors with explainable logic and fallback scoring.
• Tailored for Stakeholders:
  • Banks & NBFCs: Faster MSME loan underwriting and NPA risk reduction
  • Corporates: Vendor scoring and procurement risk alignment
  • MSMEs: Audit-traceable, explainable risk models for growth validation