The Credit Committee CannotOutpace the Deal Flow.
800+ NBFCs in India are making lending decisions with the same manual evaluation process that existed before digital lending. Evaluation quality degrades under volume pressure. Zurvek is the infrastructure that scales institutional judgment.
Five Agents.180 Seconds.
FORENSIC AUDITOR
Cross-references all financial claims. Flags revenue discrepancies and date stamp anomalies — the most common manipulation vector in MSME lending.
FISCAL HAWK
Burn rate and cash flow forensics. Identifies MSME borrowers with profitable P&Ls but cash-flow negative operations.
TECH ARCHITECT
Identifies whether stated technology is operational or vaporware. Assesses supply chain concentration and operational scalability.
WAR ROOM
Maps geopolitical exposure: supply chain fragility, currency exposure, regulatory and sanctions risk vectors.
Specific RisksZurvek Catches
Document Manipulation: Different revenue figures across pitch document and financial statement — even small discrepancies — flagged immediately.
Stale Financial Data: Financial statements dated more than 12 months prior to the application are flagged with severity based on loan quantum.
Circular Revenue Claims: Revenue claims that cannot be traced to a bottom-up calculation are flagged UNVERIFIABLE.
Valuation-to-Revenue Disconnect: Identifies when loan quantum implies a valuation disconnected from verifiable revenue multiples.
Geopolitical Supply Chain Risk: Exposure to sanctioned geographies, rare earth dependencies, and single-source supply chains.
RegulatoryAlignment
RBI Scale-Based Regulation: Audit-grade evaluation records with full rationale trails. Supports documentation requirements under SBR for Upper Layer NBFCs.
Fair Practices Code: Zero-Inference Protocol aligns with RBI's expectation that credit decisions be based on verifiable information.
Internal Audit Trail: Every evaluation is cryptographically timestamped and immutable.
Deployment Tiers
Syndicate
₹34,999/mo
Up to 300 evaluations/month (≈$419). Committee workspace, shared reports, deal pipeline board.
Institutional
₹83,999/mo
Unlimited evaluations (≈$999). API access for LOS integration, dedicated account manager, SLA guarantees.
Custom Enterprise
Contact us
For scheduled commercial bank NBFCs, Upper Layer NBFCs, and government-linked institutions.
"Data scales. Judgment collapses. Zurvek closes the gap."
VentureSense Technologies LLP · LLPIN: ACR-5230 · DPIIT Startup India Recognized · Noida, Uttar Pradesh, India