AI credit decision intelligence for lenders, DSAs and fintechsTurn borrower data into
a clearer path to credit.

Credaxle uses the Krineum AI model to assess borrower profiles, explain lender fit, and guide loan readiness.

Use a platform under your brand or bring its intelligence into your existing product through APIs.

Built for credit distributors, lenders, fintechs, and teams building financial software or business platforms.

Request a demo Explore Platform
Powered by the Krineum AI model

Credit intelligence you can act on.

Work with credit reports, bank statements, and applicable ITR and GST records. Required information varies by loan model and financing need.

Review credit history, banking activity, and applicable financial records together...

Credit historyFinancial contextExisting obligations
Two ways to use Credaxle

A workspace for your team.
Intelligence for your product.

Your brand, workflows, and lender relationships remain central.

Illustration of a floating AI chat window with skeleton conversation bubbles and soft teal edge lighting.
Platform / 01

Credaxle Platform

A branded workspace for your advisory and operations teams.

Review assessments, investigate findings through Advisor Copilot, and guide borrower readiness with AI Loan Coach. Keep active cases organised through Case Pipeline and review activity through Analytics.

Explore the Platform
Illustration of abstract code passing through a light seam into structured response panels.
Intelligence API / 02

Credaxle Intelligence API

Assessment and advisory capabilities within your existing application.

Embed borrower assessment, lender-fit insights, Advisor Copilot, and AI Loan Coach into your customer experience or internal workflows.

Explore the API
Use both together

Use the API in your customer application and the Platform for your internal team.

Your business retains its lender relationships and manages application submission.

Built for your business

Built for the credit journeys you operate.

Credit distributors and marketplaces preview
Audience / 01

Credit distributors and marketplaces

Assess borrower cases and explore fit across your configured lender network before progressing a file.

Lending fintechs and LSPs preview
Audience / 02

Lending fintechs and LSPs

Bring assessment and advisory guidance into the digital lending journeys you already operate.

Banks and NBFCs preview
Audience / 03

Banks and NBFCs

Support borrower screening and credit review against your configured lending requirements.

Lending software providers preview
Audience / 04

Lending software providers

Add assessment and advisory capabilities to the software your customers use.

Business platforms preview
Audience / 05

Business platforms

Support financing journeys within accounting, ERP, commerce, and merchant platforms.

Explore the solutions
Loan models

Intelligence across your lending products.

Each assessment uses the relevant loan model, supplied information, and configured lender requirements.

Relevant loan model

Supplied information

Configured lender requirements

  • MODEL / 01

    Unsecured business loans

  • MODEL / 02

    Loans against property

  • MODEL / 03

    Working capital

  • MODEL / 04

    Personal loans

  • MODEL / 05

    Home loans

  • MODEL / 06

    School institution loans

From information to action

Understand the case.
Decide what comes next.

Bring the borrower’s financing requirement and supporting information into a connected review.

Krineum 1.0
Assessment agentComplete

Review the borrower’s financing requirement and supplied records.

Credit reportBankingFinancials
Krineum 1.0

I’m connecting the information and reviewing configured lending requirements.

  1. Profile reviewedBusiness and credit records connected
  2. Banking analysedInflows and repayment commitments reviewed
  3. Lender fit evaluatedChecking requirements and affordability

Review the findings before progressing the case.

Assessment complete
01

Assess the borrower

Connect the supplied records to understand the profile, existing commitments, and information that needs clarification.

02

Explain lender fit

Review how the case aligns with configured requirements. Examine the supporting findings and identify gaps before deciding whether to progress.

03

Guide the next action

Use Advisor Copilot to investigate the assessment. Where readiness gaps remain, use AI Loan Coach to help the borrower understand what needs attention.

Your team determines the next action. The lender makes the final approval decision.

Start with document uploads or supported connections. Connected data requires applicable borrower consent and authentication.

Advisor Copilot

Understand the case
through conversation.

Ask questions about assessment findings, investigate financial details, and examine the reasoning behind lender fit.

Give advisors the context to review a case and make an informed next move.

  • 01 Ask follow-up questions about the findings
  • 02 Examine supporting information and unresolved gaps
  • 03 Compare explanations of alignment with lender requirements
Advisor Copilot workspace displaying Your Brand Logo, an illustrative manufacturing-client funding request, and Krineum 1.0 selected in the AI model dropdown.
AI Loan Coach

Give borrower readiness a clear direction.

Help borrowers understand the gaps identified in their assessment, work through practical next steps, and revisit readiness as their profile changes.

Your team guides the journey towards the borrower’s funding goal.

Alongside the advisory workflow

Keep cases moving.

Case Pipeline

Follow active cases and record submission status, lender feedback, sanctioned amounts, and disbursal outcomes.

Case progression

Analytics

Review assessment activity and case progression to understand where files advance, where they stall, and where follow-up is needed.

Activity and outcomes
Explore Platform
Answers / Index

Frequently
asked questions.

Still have questions?

Tell us about the credit journey you operate.

support@credaxle.ai
FAQ / 01Do we need data-provider APIs to get started?

No. Start with document uploads. Add supported connections when your workflow needs them, subject to applicable borrower consent and authentication.

FAQ / 02Can we use our existing lender network?

Yes. Your lender criteria can be configured in Credaxle while your business retains its partner relationships.

FAQ / 03Which capabilities are available through the API?

Credaxle Intelligence API brings borrower assessment, lender-fit insights, Advisor Copilot, and AI Loan Coach into your applications.

Case Pipeline and Analytics support team operations within the Credaxle Platform.

FAQ / 04What information does an assessment use?

Assessments use the relevant borrower and business details, credit reports, bank statements, and applicable ITR or GST records. The information required depends on the loan model and financing requirement.

FAQ / 05What happens when a borrower is not ready?

AI Loan Coach helps explain readiness gaps and practical actions the borrower can discuss with an advisor. The assessment can be revisited as the borrower’s information changes.

FAQ / 06How is borrower information handled?

For client-cloud deployments, the application and stored records are hosted in the client’s environment. Information needed for assessment passes through the central Krineum processing service.

The applicable agreement defines data-handling responsibilities.

FAQ / 07Does Credaxle provide loans or guarantee approval?

Credaxle provides assessment and decision support. Loan approval, pricing, terms, and disbursal remain with the lender.

See Credaxle in action

Explore your credit workflow with Credaxle.

Walk through borrower assessment, lender-fit explanations, and advisory guidance. Discuss how the Platform, API, or both could fit your business.

Request a demo