Income Inference Without Financials

Verify Income Without Bank Statements — Using the Business Itself as Data

AbleCredit estimates borrower income with AI-led analysis of inventory, tools, catchment area, lifestyle, and business model — giving lenders contextual clarity even when financial records are missing or unreliable.

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What You Get

AI-Driven Income Estimation from Real-World Signals

Cash-based borrowers or thin-file MSMEs can now be evaluated reliably — using their shopfront, inventory, and neighborhood as data.

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Estimate Income Without Financials

Use photos of inventory, machinery, and shop setup to estimate turnover.
Works for borrowers with no bank statements or unreliable GST filings.
Ideal for retail, kirana, and informal segments.

Cross-Verify Claimed Income

Combine visuals with catchment data and sector benchmarks.
Detect mismatches between stated and inferred income.
Auto-flag inconsistencies for underwriter review.

Reduce Risk With Visual Clarity

Inferred store size, equipment class, and asset quality help validate revenue potential.
Lifestyle indicators support fraud detection.
Reduces overstatement and profile manipulation.

Bias-Free, AI-Guided Logic

Field officers follow the same guided process every time.
Logic is standard across regions, agents, and branches.
Risk scores are based on structured, verified AI models.

How Income Verification Works

Capture Visual & Contextual Data

Inventory & Asset Inference

Catchment Mapping

Lifestyle & Model Mapping

Sector-Based Margin Analysis

Income Estimation & Risk Flagging

Capture Visual & Contextual Data

Field agent captures store photos, tools, documents, and answers an AI-guided questionnaire.

Where It Fits

Replace Guesswork With Structured Estimation

Income Verification fits naturally into your MSME journey.

Instead of relying on unreliable GST or missing bank statements, lenders can now make informed credit decisions based on the real-world signals around the borrower.