From Documents to Credit Decision.
Instantly.
Upload the available documents and get an AI-generated credit assessment in real time—complete with eligibility, deviations, missing documents, risk flags, mitigants, and a decision-ready Quick CAM.
Know the deal while the customer is still in front of you.
Credit Intelligence
at the Point of Sale.
Credit Teams Shouldn't Have to Wait for the CAM to Know the Deal.
A credit application rarely arrives as a single clean package. Income documents, bureau reports, bank statements, KYC files, valuation reports, and FCU/RCU findings sit across different systems—while credit teams spend hours assembling them before they can answer the questions that matter.
Don't Wait for the CAM. Start With the CAM.
Upload
The moment documents are uploaded, CredStack begins processing the available information.
Analyze
AI extracts, cross-verifies, and builds a live view of the application automatically.
Identify Gaps
Missing documents, inconsistencies, and deviations surface immediately—not at the end of review.
Decide
Generate a decision-ready Quick CAM with eligibility, mitigants, and a clear recommendation.
Bring Every Credit Signal Together.
Quick CAM unifies income, credit history, KYC, collateral, field verification, and policy intelligence into one live credit view.
Income Intelligence
Process GST returns, salary slips, ITRs, financial statements, and other income evidence to establish income and repayment capacity.
Financial History
Analyze CIBIL and other credit information alongside bank statements to understand obligations, repayment behaviour, and cash flows.
KYC Intelligence
Process identity, address, ownership, and other KYC documentation and identify inconsistencies across sources.
Collateral & Valuation
Analyze valuation reports, property information, land value reports, and other collateral documentation.
FCU & RCU Intelligence
Process field verification and risk control reports to identify adverse observations, inconsistencies, and exceptions.
Policy Intelligence
Apply eligibility guidelines, FOIR, LTV, product benchmarks, and institution-specific credit policies.
Income Intelligence
Process GST returns, salary slips, ITRs, financial statements, and other income evidence to establish income and repayment capacity.
Financial History
Analyze CIBIL and other credit information alongside bank statements to understand obligations, repayment behaviour, and cash flows.
KYC Intelligence
Process identity, address, ownership, and other KYC documentation and identify inconsistencies across sources.
Collateral & Valuation
Analyze valuation reports, property information, land value reports, and other collateral documentation.
FCU & RCU Intelligence
Process field verification and risk control reports to identify adverse observations, inconsistencies, and exceptions.
Policy Intelligence
Apply eligibility guidelines, FOIR, LTV, product benchmarks, and institution-specific credit policies.
Everything You Need to Know. Before the Full CAM.
A live credit control panel—not a static PDF—with eligibility, deviations, missing documents, mitigants, and a clear recommendation.
Application Status
APPLICATION #QC-28471
₹48.5L based on income, FOIR, and collateral assessment
FOIR at 42% — deviation flagged against product policy
Valuation report and latest salary slip still required
Field verification report requires credit review
Don't Discover Missing Documents at the End.
Quick CAM continuously identifies documentation gaps and turns exceptions into actionable mitigants as the application progresses.
“Which documents are still required for this application?”
“What mitigation is required for the FOIR deviation?”
“What is the indicative loan eligibility right now?”
Your Credit Policy. Your AI.
Configure the eligibility logic that CredStack applies to every application—from FOIR and LTV to product benchmarks, deviations, and mitigants.
FOIR
Check repayment obligations against eligible income.
LTV
Assess requested exposure against eligible collateral value.
Product Benchmarks
Apply product-specific eligibility thresholds and policy requirements.
Deviations
Identify where the application falls outside standard policy.
Mitigants
Recommend the actions or additional evidence required to address deviations.
Don't Configure Your Process Around the Software.
Build the credit logic around your own policies.
Combine signals, thresholds, and conditions into institution-specific rules that reflect how your credit team actually underwrites.
IF FOIR > 50% AND CIBIL > 750 THEN Deviation = FOIR Mitigant = Additional Income Proof
IF LTV > Product Limit THEN Deviation = LTV Action = Reduce Loan Amount
IF Banking Credits < Declared Income THEN Flag = Income Mismatch Review = Required
Quick CAM Turns Raw Files Into Credit Intelligence.
Know the Deal While the Customer Is Still There.
Compress the traditional sales → operations → credit → CAM cycle into an intelligent, real-time workflow—so your team never loses momentum at the point of customer interaction.
“Send me the documents. Our credit team will review them and get back to you.”
“Upload the documents. Get the first credit view immediately.”
The CAM Starts When the Documents Arrive.
The Quick CAM Becomes the Starting Point for Full Credit Intelligence.
One Intelligence Layer Across the Credit Lifecycle.
Quick CAM brings together the CredStack intelligence stack—so you're not buying another standalone CAM tool, but activating real-time credit intelligence on the platform.
Document Intelligence
Extract and understand income documents, KYC files, valuation reports, and financial statements across every format.
Financial Intelligence
Analyze bank statements, bureau data, and cash flows to understand obligations, behaviour, and repayment capacity.
Credit & Policy Engine
Apply institution-specific eligibility rules, FOIR, LTV, deviations, and mitigants to every application.
Fraud Intelligence
Cross-verify identities, documents, and financial data to surface inconsistencies before they become credit risk.
Decision Intelligence
Generate eligibility, recommendations, and audit-ready decision trails that connect origination to portfolio monitoring.
Fast Decisions. Controlled Decisions.
Every extraction, calculation, policy check, deviation, and recommendation remains traceable—so speed never comes at the cost of control.
Explainable
Know why the application was flagged.
Auditable
Preserve the complete decision history.
Policy-driven
Apply institution-specific credit rules.
Human-controlled
Let credit teams review, override, or approve.
Deploy anywhere
Cloud, private cloud, or on-premise.
Compress the Credit Cycle. Without Compromising Control.
Faster Customer Decisions
Give sales teams an immediate view of eligibility and potential issues.
Higher Sales Productivity
Reduce back-and-forth between sales, operations, and credit teams.
Faster TAT
Automate document processing, analysis, and policy checks.
Better Credit Quality
Surface missing information, inconsistencies, deviations, and mitigants earlier.
Know the Deal Before You Lose the Customer.
CredStack processes every available document, applies your credit policies, identifies what's missing, surfaces deviations and mitigants, and generates a decision-ready Quick CAM—while the customer is still in front of you.