Location Intelligence, Credit-Ready

Lend with Local Context — Automatically.

AbleCredit analyzes thousands of entities around the borrower's business and collateral to validate income potential, assess competition, and map economic density — giving you unmatched ground-level visibility.

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Built for MSME Lending in Semi-Formal Markets

Know the Market. Back the Claim. Flag the Risk.

Hyperlocal Intelligence adds economic context to your credit process — converting borrower location data into measurable risk and opportunity signals.

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Contextual Risk Scoring

Evaluate if the business type aligns with neighborhood class
Highlight zoning mismatches or footfall limitations
Adjust lending exposure based on economic density

Claim Verification at the Source

Cross-check stated income with real-world area potential
Detect signs of overstatement or mismatch with local demand
Flag unrealistic claims for additional review

Catchment Profiling

Map commercial vs. residential mix of borrower zone
Score footfall anchors like ATMs, kirana stores, markets
Detect crowding, competition, and growth hotspots

Fraud & Ghost Address Detection

Confirm business location via satellite and geo-tag match
Spot POIs that don't align with claimed business model
Detect risk-prone localities or fake shopfronts

How Hyperlocal Intelligence Works

Geo-tag the borrower location

Scan local economic activity

Classify the catchment zone

Run income-to-area consistency checks

Generate risk signals and forward to CAM

Geo-tag the borrower location

Coordinates captured via field app or extracted from submitted documents

Where It Fits in the Lending Workflow

Context in the Credit File — Not After

Add ground truth to every borrower — before the loan goes live.

Hyperlocal signals help your credit team make decisions with contextual intelligence, not assumptions.

Field or Video PD Completed

Borrower shares their business location via app or...

Catchment Automatically Analyzed

POI engine classifies the zone and scores density,...

Risk Profile Enhanced

Hyperlocal red flags or strengths appended to CAM

Proven Across 300+ Branches

Hyperlocal Intelligence helped us detect overstated incomes in Tier-3 towns and reroute lending volumes to more viable micro-markets. It's now part of every file we underwrite.

Head of Risk

—, NBFC with 300+ branches

-18%

Reduction in 12-month NPAs from screened loans

100%

Adoption rate across secured and unsecured products

COMPLIANCE & RECOGNITION