Credit due diligence,
run by AI agents.
Signed off by you.
Proczo turns a GSTIN into a complete, evidence-cited credit report on any Indian SME — private limited, LLP, partnership or proprietorship — in minutes, not weeks. Ask in chat; agents do the rest.
Agent pipeline
Evidence pulled from the sources credit teams already trust
An analyst team of agents,
with the guardrails of a credit committee.
Every section of the report is produced by a specialist agent, every claim carries a citation, and every score comes from a deterministic model — never an LLM's opinion.
Agent & subagent pipeline
A director agent fans out seven specialist subagents — overview, GST, legal, bureau, ITR, ratings, banking — in parallel and composes the final report.
Deterministic scorecard
A versioned 6-pillar model (100 points) computes the score and grade. LLMs write narratives; they never assign numbers.
Evidence-first citations
Narratives may only cite persisted evidence. A citation gate rejects any claim that can't be traced to a source document or API response.
Human-in-the-loop review
Draft → In review → Final. Analysts override pillar scores with mandatory reasons — everything lands in an immutable audit trail.
Continuous monitoring
Watchlists sweep GST lapses, NCLT petitions and rating actions on a schedule, raising alerts and webhooks the moment risk shifts.
API & webhooks
Create reports from your LOS/ERP with API keys, receive HMAC-signed events — report.completed, report.finalized, monitoring.alert.
From GSTIN to credit decision in four steps.
Ask in chat
Type a GSTIN, PAN or company name. The assistant resolves the entity, previews scope and cost, and captures consents.
Agents fetch & cite
Subagents pull GSTN, courts, bureau, ITR, ratings and bank data in parallel — persisting every raw response as evidence.
Score & recommend
The deterministic scorecard computes the 100-point score; the director composes a research-grade recommendation.
Review & monitor
Analysts override with reasons and finalize. The subject joins your watchlist; the copilot answers follow-ups with citations.
Nine sections. Zero guesswork.
Built to the standard of an equity research note — every data point traceable, every gap flagged, annexures included.
Underwrite the next SME with evidence, not gut feel.
Sign up and run your first reports free. See the agents work, audit every citation, then decide.