Who it's for
- SME and MSME lending units at banks
- Cooperatives and rural lenders
- Lending companies and licensed fintechs
- Partners who need consistent, consent-based SME and MSME files
For banks, cooperatives and lending institutions
Sits in front of your credit process, never in place of it
CreditLine prepares, checks and documents each SME and MSME file. Your policy, your analysts and your committee make the decision.
What you receive
A file built for credit committees, not for marketing
Every element of the file says where it came from and how it was checked.
- Evidence status. Each figure is marked declared, document-extracted, cross-checked or reviewer-resolved. A self-declared value is never shown as independently verified.
- Open items. Missing documents and unresolved conflicts, with the reviewer assigned and the date raised.
- Interview record. The applicant's answers in order, with the facts recorded, labelled as applicant statements.
- Audit trail. Who viewed or changed what, and when.
File contents · Example
SME-2026-0418
- Identity and registrationCross-checked
- Declared financial figuresDeclared
- Bank deposit historyDocument-extracted
- Revenue conflictOpen · Reviewer A
- Interview transcriptSaved
- Audit events9 recorded
Example only. Real files depend on the documents each applicant provides.
Fit with your process
Who it's for, and what we don't do
What we don't do
- Make credit decisions, set terms or issue offers
- Produce a credit score or a bureau report
- Disburse funds or hold customer deposits
- Replace your underwriting policy or committee
Integration
Your systems, your process
We agree the handover format with your credit team during onboarding. File exports, partner access and any integration into your loan origination system are scoped per institution, and only with the applicant's consent.
The usual start is a scoped pilot: one lending unit, an agreed document set, and a review of processing terms with your data protection officer.