CREDIT INTELLIGENCE
Understand the story behind the numbers.
Deep financial modeling, banking telemetry, and cash-flow fingerprinting that convert raw statements into decision certainty.
BANKING TELEMETRY
Cash-Flow Fingerprint Analysis
Analyzes 12 to 36 months of transaction-level bank data to uncover true operational cash dynamics beyond reported accounting figures.
- ✓ Categorization of operating inflows, vendor outflows, and statutory dues
- ✓ Identification of high-value unusual credits and non-business transfers
- ✓ Continuous average bank balance (ABB) tracking and volatility scoring
- ✓ Inward and outward EMI bounce telemetry with reason breakdown
FINANCIAL MODELING
Longitudinal Ratio & Margin Normalization
Standardizes disparate accounting formats into a consistent, audit-grade longitudinal financial model.
- ✓ Multi-year revenue, EBITDA, PAT, and operating margin trends
- ✓ Working capital cycle decomposition (Debtor, Creditor, Inventory days)
- ✓ Debt service coverage ratio (DSCR) and interest coverage calculations
- ✓ Contingent liability and off-balance-sheet commitment analysis
STRESS TESTING
Dynamic Scenario & Sensitivity Modeling
Evaluates borrower repayment durability against macro and sector-specific operational shocks.
- ✓ Revenue drop sensitivity: models DSCR impact at 10%, 20%, 30% contraction
- ✓ Interest rate hike impact on repayment capacity
- ✓ Working capital stretch simulation and liquidity buffer analysis
- ✓ Sectoral benchmark comparisons against peer performance cohorts
NEXT-GENERATION CREDIT INFRASTRUCTURE
Build the next generation of lending.
Bring us a real credit workflow. See how Lucien unifies applications, documents, financials, policy, and human judgment into one continuously verified operating layer.
Evidence-Backed Provenance
Policy-Aware Decisioning
Human Accountability
Enterprise Deployment