For Indian business owners

Get your Business Loan Score

Jaano: kitna strong, kahan fit, kya missing, kya sudhaarna hai.

Business loan apply karne se pehle jaano — aapka business kitna strong hai, kahan fit hai, aur kya sudhaarna hai.

Free on WhatsApp About 5 minutes No loan application
Banking + GST Indicative Aapka decision
DSA, CA ya financial advisor? Client cases analyse karo
CREDILO BUSINESS LOAN SCORE
Illustrative Business
Banking · GST · Documents · 12 months
Demo
Strong profile

Banking, GST aur documents ke basis par.

Business data se · Credit bureau score nahi
Banking82
GST76
Documents68
Policy comparisonVerified evidence required
Document checkReview missing items
Bank ✓ GST ✓ KYC ✓ ITR missing
Illustrative report. Final approval, amount and pricing are decided by the lender.
20+
bank statement formatsFormat support across leading Indian banks.
12 mo
banking-pattern viewTurnover, balances, EMI, bounces and cash flow.
4
clear answersScore factors, visible gaps, next steps and document check.
₹0
for business ownersFree WhatsApp Score check; partner tools are paid.
What you get

Ek score. Chaar saaf jawab.

Score headline deta hai. Report batati hai — kya strong hai, kya missing hai, aur ab karna kya hai.

01 / SCORE

Business Loan Score

0–100 mein ek saaf jawab — aapka business kitna strong dikhta hai.

78/100
Strong profile
02 / POLICY

Kya verify hona baaki hai

Policy comparison tabhi dikhni chahiye jab current source aur required profile inputs verified hon.

Policy evidence required
03 / ACTION

Kya sudhaarna hai

Sabse pehla practical kaam jo case ko mazboot banata hai.

1Banking: sale business account mein
2GST: filing regular karein
04 / DOCS

Kya missing hai

Bank, GST, PAN, Udyam, ITR — kya ready hai aur kya reh gaya, case atakne se pehle.

Bank ✓GST ✓PAN ✓Udyam ✓ITR ✕Shop licence ✕
4 ready · 2 missing
How it works

WhatsApp se Score tak — 3 aasaan step.

Na lamba form, na apply karne ka pressure. Wahi cheezein dekhi jaati hain jo lender khud dekhta hai.

1

WhatsApp par 2 sawaal

Business kis type ka hai, monthly sale kitni hai — bas. Na login, na form, na card.

No loginNo form
2

Bank statement bhejein

PDF ya photo — dono chalega. Credilo cash flow, EMI, bounces, GST filing aur documents check karta hai.

Bank statementGSTDocuments
3

Apna Business Loan Score paayein

Score ke saath — kahan fit ho, kya missing hai, aur sabse pehla kaam kya hai.

ScoreKahan fitNext step
4

Poori PDF report — aur aapka decision

Report WhatsApp par hi mil jaati hai. Profile sudhaarein, apne CA se baat karein, ya verified partner se connect karein. Score check ke time koi loan application submit nahi hoti.

Aapka controlClear consent

Tap kar ke dekho — har step par kya hota hai.

Credilo product flow
Illustrative demo
CREDILO BUSINESS LOAN SCORE
Illustrative Business
Banking · GST · Documents · 12 months
Demo

Analysis in progress

Business data will appear here once the analysis is complete.

Based on business data · Not a CIBIL score
Policy comparison
Not shown in demo
Verified policy evidence required
Document action
Review missing items
Requirement depends on verified policy
EMI load
17%
Within demo range
Bank ✓ GST ✓ KYC ✓ ITR missing
📄 Credilo_Business_Loan_Score.pdfWhatsApp par bheja gaya · share ya save karein
Illustrative report only. The Score is an analytical estimate; final approval, amount and pricing are decided by the lender.
The behaviour change

Business loan apply karne se pehle, poori picture dekho.

Credilo ek aur “Apply Now” page nahi hai. Yeh apply karne se pehle wala step hai — jahan aapko saaf pata chalta hai case kaisa hai.

Without Credilo

Andaaze se application shuru hoti hai.

  • ×Jahan-tahan apply — har lender ke rules alag.
  • ×Case shuru hone ke baad baar-baar naye documents maange jaate hain.
  • ×Reject ya delay — par kaaran kabhi saaf nahi milta.
  • ×Owner, CA aur DSA — sabko case ka alag-alag hissa dikhta hai.
With Credilo

Case clarity ke saath shuru hota hai.

  • ✓Ek Business Loan Score — poore business ki ek saaf tasveer.
  • ✓Kahan fit ho, yeh pehle pata — phir decide karo kahan jaana hai.
  • ✓Missing documents aur sudhaar ke kaam shuru mein hi saamne.
  • ✓Ek report jo owner, CA ya DSA — sab ke saath share ho sake.
One product, different jobs

Built around how business-loan cases actually move.

The business owner needs clarity. The CA needs evidence-backed advice. The DSA needs fast case triage. Credilo changes the interface and output for each role.

Know your business-loan profile before you apply.

Business owners do not need another sales call. They need a simple answer: where does the profile stand, what is missing and what should happen next?

    Product capabilities

    One intelligence layer across the complete case.

    The customer sees a simple Score. Underneath it, Credilo organises the banking, GST, document and partner workflows required to make that Score useful.

    Magic upload

    Drop ZIP, PDF or images. Auto-detect bank statements, GST, PAN, Aadhaar and ITR files.

    ZIPPDFJPG

    Bank analysis

    Turnover, average balance, EMI outflow, bounces, cash flow and month-wise behaviour.

    20+ formats12 monthsCash flow

    GST intelligence

    Filing consistency, turnover context, business vintage and status signals in one view.

    ComplianceVintageTrend

    Document check

    See what is present, missing or inconsistent before the case reaches lender operations.

    KYCITRRegistration

    Policy comparison status

    See whether current, verified lender-policy evidence is available. Unverified rules do not produce public lender recommendations.

    PolicyEvidenceReview

    Professional reports

    Generate a structured, shareable report for the owner, advisor, RM or operations team.

    PDFShareBranded

    Case dashboard

    Track all cases and sort them by profile strength, improvement need and completeness.

    FilterPrioritiseTrack

    Transfer to ops

    Move a selected case to the operations team with its documents, Score and timeline preserved.

    One clickTimelineHandoff
    Bank statement formats from 20+ Indian banks supported This refers to statement analysis support, not lender partnerships.
    Partner desk

    For professionals managing multiple business-loan cases.

    Business owners check their own Score free. Partners use paid tools for repeat analysis, professional reports, pipeline visibility and team workflows.

    Try one case

    Single Report

    For a CA or advisor testing one client case.

    ₹49
    • One complete case analysis
    • Credilo Business Loan Scorecard Report
    • Bank, GST and document view
    Try a client case →
    For active partners

    Partner Pro

    For DSAs, CAs and advisors handling cases every month.

    ₹2,499 / month
    • Up to 100 reports
    • Case dashboard and triage
    • Shareable professional reports
    • Operations handoff workflow
    Create Partner Desk →
    Teams and networks

    Enterprise

    For high-volume teams requiring custom onboarding and controls.

    Custom
    • Custom report volumes
    • Team roles and workflows
    • Branded output and onboarding
    Talk to Credilo →

    The business-owner Score check remains free. Partner pricing applies to professional multi-case tools and workflows.

    Trust by design

    Aapka data. Aapka decision.

    Credilo sirf aapka case samjhaata hai. Na chupke se koi application jaati hai, na aapki permission ke bina koi jaankari aage share hoti hai.

    Aapki permission par

    Documents sirf aapke apne analysis ke liye. Kuch bhi share hone se pehle aapki haan zaroori hai.

    Access protected hai

    Business aur KYC ki jaankari restricted access, consent aur published retention controls ke under handle hoti hai.

    Indicative hai, guarantee nahi

    Score aapka data samjhaata hai. Final faisla hamesha lender ka hota hai.

    Koi chupi hui application nahi

    Score check karne se koi business loan application submit nahi hoti.

    Commercial disclosure: Credilo is not a lender and does not disburse loans. The owner’s Business Loan Score is free. When a user explicitly chooses to connect with a verified advisor or lender, Credilo may earn a referral fee from the partner; the user does not pay Credilo for that connection.
    Common questions

    Business loan ke baare mein — saaf jawab.

    Score kya hai, kaunse documents lagte hain, business profile kaise samjhein, aur weak points kya ho sakte hain.

    A Business Loan Score is a 0–100 indicative rating of how strong a business looks to a lender, based on its own business data rather than a personal credit report. Credilo builds it from banking behaviour, GST filing consistency, existing EMI burden, business vintage and document completeness. It is an analytical estimate, not an approval or a guarantee.
    You can check it on WhatsApp in about five minutes by sending your business bank statement to Credilo, at no cost. Credilo reads the statement and available GST details, then returns a Score, missing-document status and an analytical next step. No login, no form and no application is submitted.
    No. A bureau score reflects personal or entity credit repayment history, while the Credilo Business Loan Score reads your business file — cash flow, GST consistency, EMI load, vintage and documents. Checking your Credilo Score involves no bureau enquiry.
    No. The Score check is an analysis step only. An application is submitted only if you separately choose to proceed and give explicit consent.
    A 6–12 month business bank statement is the core requirement. GST returns, KYC (PAN and Aadhaar), the latest ITR and business registration proof strengthen the analysis, and the report tells you exactly which of these are complete and which are missing.
    About five minutes from sending the statement to receiving the Score, for a standard single-account case. Larger or multi-account cases with several documents can take longer.
    Credilo can compare a profile only against lender-policy rules whose source and current version have been verified. When that evidence is unavailable, the report shows business signals and marks policy comparison as unverified; it does not recommend a lender or claim an approval, amount or rate.
    The most common reasons are inconsistent or low banking turnover, high existing EMI load, cheque bounces, irregular GST filing, insufficient business vintage and incomplete documents. Credilo shows which of these apply to your file before you apply, so weak points can be fixed first.
    Credilo is neither — it is an analysis platform and does not disburse loans. If you choose to connect with a verified advisor partner, Credilo may earn a referral fee from that partner; you never pay Credilo for the connection.
    Nothing. The WhatsApp Business Loan Score check is free for business owners. Paid plans exist only for CAs, DSAs and advisors who analyse multiple client cases.
    Credilo supports statement formats from more than 20 Indian banks, including HDFC Bank, SBI, ICICI Bank, Axis Bank, Kotak, PNB, Canara Bank, Bank of Baroda, IndusInd and YES BANK. This is statement-reading support and does not imply any lending partnership.
    Yes. Partner plans let CAs, DSAs and advisors analyse multiple client cases, see case strength at a glance, identify missing documents and generate a shareable professional report.
    Sample cases

    Alag business. Alag picture.

    Ek jaisa turnover, phir bhi score alag — kyunki lender poori file dekhta hai. Yeh teen illustrative examples hain, real customer data nahi.

    Kirana / RetailDemo
    81/100Strong
    • BankingSteady daily inflow, 0 bounces
    • Policy comparisonNot shown in demo
    • Pehla kaamGST filing regular karein
    Textile traderDemo
    64/100Improve
    • BankingSeasonal dips, 2 bounces
    • Policy comparisonNot shown in demo
    • Pehla kaamEMI obligations review karein
    Small manufacturerDemo
    73/100Strong
    • BankingGrowing turnover, 6yr vintage
    • Policy comparisonNot shown in demo
    • Pehla kaamMissing documents verify karein

    Illustrative examples only. Aapka Score aapke apne business data par depend karta hai; final approval lender decide karta hai.

    Pehle score dekho. Phir decide karo.

    Apne business ki poori picture dekho — score, kahan fit ho, kya missing hai aur pehla kaam kya hai. Sab free, WhatsApp par.