AI-native risk infrastructure
See and price the MSME operator no one else can.
Trip-level intent and capability signals for logistics lending. Live with LetsTransport, Repos Energy, and BlackBuck Financials.
Live pilots and design partners
- LetsTransport
- Repos Energy
- BlackBuck Financials
- Trukkr
The gap
A creditworthy population no incumbent can see.
Traditional NBFCs
- What they see
- CIBIL score, financial filings
- What they miss
- Most truckers: thin credit files, informal or incomplete filings
Secured alt-data lenders (e.g. BlackBuck)
- What they see
- FASTag, toll, telematics — but only to size collateral
- What they miss
- Unsecured working capital need, the larger half of the gap
Invoice discounters
- What they see
- Formal invoices and receivables
- What they miss
- Operators paid in cash or UPI per trip, with no invoice at all
A large, creditworthy population is rejected or pushed to informal, higher-cost credit — not because they're unbankable, but because none of the existing players can see or price their real operating signal.
The platform
One architecture matching demand and supply.
Operators to loads, borrowers to lenders — scored on trip-level data and closed with voice AI. Three engines, one compounding loop.
AI RM
See and move your network in real time.
A point-in-time view of your operators — who is available, where they are, and what they will accept — turned into prioritised, voice-booked loads.
- Live mobility map of the network, filterable down to a single lane
- Close-probability scored from availability, lane history, and return-trip pull — with the reasons shown
- Batch outreach above a chosen probability, not cold-calling everyone
- Structured call outcomes — price, availability, yes or no — ranked for assignment
Captures supply that today goes unreached and unclosed.
See it in the demoAI RM + AI Risk Analyst
Match the right borrower to the right lender.
A two-step loop: score the whole database on live signals, let the AI RM find who actually wants the money, then evaluate only the responders and route them to a lender.
- Step 1 — pre-approve on trip-level signals, before any document is collected
- Segment and batch the outreach by geography, availability, and ticket size
- Step 2 — collect documents only from the operators who said yes
- Route to a lender panel, each lender's own criteria layered on ours
Converts leads faster and collects documents from far fewer people.
See it in the demoAI Collections
Monitor at trip level, intervene before default.
Continuous portfolio monitoring at the trip level produces live default signals — and the highest-ROI response is often better terms, not harder chasing.
- Trip-level portfolio monitoring and out-of-pattern detection
- Live default-probability signals shared with partner banks
- Term adjustment — lower rate or longer tenor — for high-intent borrowers
- Repayment outcomes feed back into the models
Better recovery and higher net LTV across the book.
See it in the demoHow it works
A single loop that compounds.
Every booking, decision, and repayment sharpens the trip-level signal the next one runs on.
Prioritise and book open supply with voice AI — and build the trip-level data set.
Pre-approve on that data, let the AI RM find real intent, then evaluate and route to a lender.
Monitor the book at trip level and intervene before default.
Repayment and trip outcomes feed back into every model.
Why we win
Distribution-first. Structurally hard to copy.
Distribution
Embedded via logistics-platform partnerships, not built cold.
Data
Trip-level signal others don't have.
Technology
Proprietary intent + capability models.
Expertise
Credit + applied AI, in one team.
Adaptability
Faster iteration than NBFC stacks.
Feedback speed
30–90-day working-capital cycle vs multi-year secured loans.
Timing
Early mover on trip-level unsecured working capital.
Proof
Numbers from live pilots and back-tests.
48%
Addressable-revenue uplift on initial client sample, using our intent-and-capability framework.
2.7%
Default rate on our highest-scoring rejected segment, below the approved-book average (TransUnion CIBIL MSME Pulse, 2025).
$50K
Paid pilot with LetsTransport (250K+ truckers, 30 cities).
800K+
Truck operators reachable via BlackBuck Financials partnership.
| Partner | Status | Scale | Scope |
|---|---|---|---|
| LetsTransport | $50K paid pilot | 250K+ truckers, 30 cities | Distribution + data; not itself a lender |
| Repos Energy / Repos Pay | LOI ongoing | 25K+ businesses, 220+ cities | AI risk intelligence; Repos Pay is their upcoming NBFC wing |
| BlackBuck Financials | LOI ongoing | 800K+ truck operators | Confirmed use of AI RM + AI Collections; risk-stack partner |
Ongoing conversation: Trukkr (UAE) — early GCC-market signal, tracked separately.
Market
A $156B India wedge inside an $8T global gap.
Global MSME credit gap (IFC / World Bank).
India logistics-specific (working capital + truck financing).
Bottom-up-validated capture rate.
Expandable: ASEAN $300B, GCC $250B.
Team