Navigate MSME financial complexity with evidence-backed certainty.
Reconcile GST, bank cash flows, and informal business signals into a comprehensive credit profile in minutes.
GST vs. Banking Cash Flow Triangulation
MSMEs often display discrepancies between taxable turnover in GSTR-3B filings and bank deposits. Lucien automatically reconciles monthly variances, isolating unrecorded cash turnover and seasonal peaks.
- ✓ Automatic reconciliation of GSTR-1, GSTR-3B, and bank credits
- ✓ Detection of circular transactions with affiliated supplier accounts
- ✓ Normalization of seasonal revenue oscillations in trade and manufacturing
- ✓ Working capital cycle calculation based on vendor and debtor patterns
Alternate & Field Verification Signals
Synthesizes non-traditional data such as utility payments, geo-tagged physical factory inspections, and vendor reference checks into structured credit inputs.
- ✓ Geo-tagged physical verification report ingestion and OCR
- ✓ Electricity consumption vs. reported production volume correlation
- ✓ Supplier credit repayment sentiment analysis from field interviews
- ✓ Real-time MCA company registry and director linkage mapping
From 5 Days to 25 Minutes
Empower underwriter teams to process complex MSME applications with pre-calculated ratios, policy checks, and automated credit notes.
- ✓ Instant policy eligibility evaluation under MSME credit schemes
- ✓ Pre-drafted executive credit appraisal memo with risk mitigants
- ✓ Automated condition precedent checklists tailored to ticket size
- ✓ Full audit trail for internal credit committees and external auditors
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.