Early warning systems for supply-chain credit.
Move from lag-heavy static reviews to daily risk scoring. CreditGraph monitors 25,000+ merchants concurrently, highlighting macro structural threats, retail segment drops, and individual payment delay alerts.
Open Portfolio Dashboard🚨 Portfolio Alert: 184 merchants in the Tirupur textile segment experienced >20% revenue decline in the last 30 days due to raw material input lags.
Portfolio Risk Distribution
Breakdown of 25,000 monitored merchant accounts by verification confidence and risk criteria.
Active Segment Watchlist
Real-time alerts flagged automatically by language extraction matching mismatch parameters.
| Segment | Merchants | Risk Reason | Flag |
|---|---|---|---|
| Tirupur Textiles | 184 | Revenue decay > 20% | High Risk |
| Chennai Electronics | 412 | Receivables age shifted by 12d | Watchlist |
| Madurai Agro-Retail | 1,240 | UPI matches 100% stable | Healthy |
Continuous Monitoring vs. Static Reports
Traditional lending reviews portfolio risk quarterly, meaning defaults are only seen 90 days after they occur. CreditGraph continuously audits everyday receipts, UPI messages, and buyer invoices.
This enables lenders to intercept capital risks within 48 hours of transaction lags, before balance sheets deteriorate.
Traditional Bureau
90-day data reporting lag. Post-facto underwriting.
Cenizas CreditGraph
Daily transaction monitoring. Immediate warning flags.
Unlocking Lending Opportunities
Distributors traditionally only lend to their top 15% largest wholesale dealers, ignoring the 85% informal retail merchants due to lack of financial statements.
By providing explainable credit profiles for under-documented retailers, CreditGraph expands the addressable credit market exponentially.