Know Who You’re Funding – Enable Smart Credit Decisioning Before It Becomes a Risk

Finalyze connects GST, bank, ITR, and invoice verification into one credit decisioning platform – helping credit and trade finance teams underwrite confidently and control fraud risks

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What Is Cygnet Finalyze?

Cygnet Finalyze bridges fragmented compliance data with confident financial decisions.

Powered by verified data and AI, it unifies borrower risk assessment, data verification, and fraud control into a real-time credit decisioning engine built for precision and speed. Cygnet Finalyze helps in credit analysis & lending, business health check & risk monitoring, compliance check & fraud prevention, and strategic finance & portfolio management.

Cygnet Finalyze Empowers Every Credit Stakeholder

CROs & Credit Risk Teams

Underwrite SMEs within minutes with confidence backed by consent-based verified data, cutting approval cycles by over 80% and lowering default risk.

Credit Heads

Detect financial risks and fraud signals before disbursal.

Ensuring healthier portfolios and reducing post-disbursal losses.

Treasury & Trade Finance Heads

Validate invoices and counterparties before funding to reduce exposure and ensure compliance, preventing duplicate or fraudulent financing.

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Experience the game-changer in BFSI : Cygnet Finalyze

GST Return Compliance Score

Spot potential risks and mitigate losses proactively with a non-consent-based compliance score.

GST Business Intelligence Report

Enable financial inclusivity with swift working capital loan approvals for businesses, leveraging purchase data, sales data, and GST filing data along with tax payment trends to assess creditworthiness.

Bank Statement Analysis

Generate consolidated bank statement analysis from multiple bank accounts with AI/OCR driven IDP, or AA JSON, or bank integration.

Financial Statement Analysis

Identify corporate and business risks by assessing the enterprise’s financial performance, using cash flow statements, profit & loss statements, balance sheets, and key financial ratios for a comprehensive evaluation.

ITR Analysis

Enable income assessment and derive diverse ratios with ITR analysis.

Invoice Verification for Trade Financing

Validate the authenticity of invoice details with Invoice Registration Portal and GST data for trade financing.

Why choose Cygnet Finalyze as your Credit Decisioning Platform

Unify all financial data

Seamlessly consolidate GST, ITR, bank statements, invoices, and bureau data in one platform.

Validate invoice authenticity

Consent and non-consent-based trade invoice verification to avoid fake invoices before financing.

Accelerate credit decisions

Underwrite SME loans in under 10 minutes and cut approval time by up to 80%.

Ensure audit-ready compliance

Generate transparent, traceable, and regulator-compliant reports instantly.

Detect risks early

Flag red flags, mismatches, and defaults before they impact disbursals or cash flow.

Standardize risk policies

Apply consistent underwriting rules across teams, zones, and business units.

Score with confidence

Evaluate vendor, buyer, or distributor health with explainable logic and fallback scoring.

Reduce exposure & defaults

Minimize credit risk by up to 20% with real-time insights and predictive flags.

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Tailored for Every Financial Stakeholder

Banks & NBFCs

Underwrite MSME loans in minutes
Cut decision time from 2 hours to 10 minutes
Reduce NPA risk with early warning signals

Corporates & Enterprises

Score vendors pre-onboarding
Reduce partner risk and payment delays
Align procurement and finance via shared insights

MSMEs & Commercial Ops

Break silos between sales, credit & finance
Validate growth, cash flow & compliance via GST
Create audit-traceable, explainable risk models

Key Modules & Capabilities

Credit Risk Assessment Platform

GST analysis
GST return compliance score
Bank statement analysis
Financial statement analysis
Invoice verification for trade financing
ITR analysis

Trade Finance & Supply Chain Finance Risk Control

Invoice authenticity verification (consent & non-consent based)
Fraud prevention checks for invoice financing
Audit sampling supports post-financing

Intelligent Decision Engine

Scoring and insights generation
LLM-powered quantitative and narrative insights
Mismatch and Anomaly flagging
Audit-ready, explainable reports

Trusted by leading banks, NBFCs, TReDS platforms, and fintech lenders:

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faster underwriting decisions (e.g. reducing SME loan assessment from 2 hours to 10 minutes)

0 %

reduction in credit defaults and fraud costs

0 %

audit-traceable decisions compliant with regulatory standards

Ready to power confident credit and trade finance decisioning with Cygnet Finalyze?

Book a demo to see it in action

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Know Who You’re Funding – Enable Smart Credit Decisioning Before It Becomes a Risk

Finalyze connects GST, bank, ITR, and invoice verification into one credit decisioning platform – helping credit and trade finance teams underwrite confidently and control fraud risks

What Is Cygnet Finalyze?

Cygnet Finalyze Empowers Every Credit Stakeholder

CROs & Credit Risk Teams

Credit Heads

Treasury & Trade Finance Heads

Experience the game-changer in BFSI : Cygnet Finalyze

GST Return Compliance Score

GST Business Intelligence Report

Bank Statement Analysis

Financial Statement Analysis

ITR Analysis

Invoice Verification for Trade Financing

Why choose Cygnet Finalyze as your Credit Decisioning Platform

Unify all financial data

Validate invoice authenticity

Accelerate credit decisions

Ensure audit-ready compliance

Detect risks early

Standardize risk policies

Score with confidence

Reduce exposure & defaults

Tailored for Every Financial Stakeholder

Banks & NBFCs

Corporates & Enterprises

MSMEs & Commercial Ops

Key Modules & Capabilities

Credit Risk Assessment Platform

Trade Finance & Supply Chain Finance Risk Control

Intelligent Decision Engine

Trusted by leading banks, NBFCs, TReDS platforms, and fintech lenders:

faster underwriting decisions (e.g. reducing SME loan assessment from 2 hours to 10 minutes)

reduction in credit defaults and fraud costs

audit-traceable decisions compliant with regulatory standards

Let’s level up your Business Together!

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