Scale Commercial Lending. Not Credit Operations.
Faster credit appraisals, deeper financial insights and greater
lending capacity - powered by
private financial intelligence.
Credit Growth Is Outpacing Credit Capacity
Commercial credit appraisal requires analysts to examine fragmented financial statements, bank transactions, tax records, bureau reports and other evidence. Manual reconciliation and analysis slow decisions, constrain lending capacity and make consistent credit assessment difficult at scale.
From Fragmented Financial Data to Credit Intelligence
Fexo connects and analyzes financial information across multiple sources, combining deterministic calculations, cross-source validation and contextual reasoning. Credit teams receive deeper insights, traceable evidence and structured appraisal inputs – reducing preparation time (70-90% observed reduction in turnaround time) while retaining control over credit decisions.
- Financial Statements
- Bank & Tax Records
- Bureau & Other Evidence
FexoLM
Private Financial Intelligence
- Financial Insights
- Cross-Source Validation
- Appraisal Inputs
Built for Deeper, Faster Credit Analysis
Financial Analysis
Analyze financial performance, cash flows, working capital and key credit ratios.
Cross-Source Triangulation
Connect financial statements, bank transactions, tax records and bureau information.
Credit Appraisal Intelligence
Generate evidence-backed insights and structured inputs for Credit Assessment Memos.
Risk & Anomaly Detection
Identify inconsistencies, unusual financial patterns and emerging credit concerns.
Post-Disbursal Monitoring
Track borrower financial trends, covenant indicators and emerging risk signals.
Evidence Traceability
Trace analytical observations and calculations back to underlying financial evidence.
Intelligence Across the Credit Lifecycle
FexoFinAI
Financial Analysis
Structured financial analysis, custom reclassification and deeper insights from complex financial information.
Explore Solution for FexoFinAI Financial AnalysisFexoCreditAI
Credit Appraisal
Evidence-backed credit analysis and appraisal preparation across multiple financial sources.
Explore Solution for FexoCreditAI Credit AppraisalFexoRadar
Credit Monitoring
Ongoing financial monitoring, early-warning indicators and borrower risk intelligence.
Explore Solution for FexoRadar Credit MonitoringFrequently Asked Questions
Fexo helps banks and non-banking financial institutions scale commercial lending by reducing the manual effort involved in financial analysis, credit appraisal preparation and borrower monitoring. Its private financial intelligence platform analyzes information across multiple sources, generates evidence-backed insights and enables credit teams to process more cases without proportionately increasing operational resources.
FexoCreditAI analyzes financial statements, bank transactions, tax records, credit bureau reports and other borrower information to prepare structured credit analysis and appraisal inputs. It combines financial calculations, cross-source validation and contextual reasoning to reduce preparation time, improve analytical consistency and help credit analysts focus on assessment and decision-making. Final credit decisions remain with the lending institution.
Fexo can analyze structured and unstructured financial information, including audited financial statements, income tax returns, bank statements, GST records, credit bureau reports, supporting documents, tables, images and relevant voice inputs. Its proprietary FexoLM engine connects information across these sources to generate usable financial insights and identify potential inconsistencies.
Fexo combines deterministic calculations with cross-source triangulation and contextual reasoning. For example, it can compare reported revenue with GST turnover and bank transaction patterns, identify material differences and highlight possible explanations. Observations are linked to supporting evidence, allowing analysts to investigate discrepancies while accounting for differences in reporting periods and accounting treatment.
FexoFinAI focuses on financial statement analysis, reclassification and standardized financial outputs. FexoCreditAI extends financial analysis into multi-source credit appraisal intelligence, generating evidence-backed insights and structured appraisal inputs. FexoRadar focuses on post-disbursal borrower monitoring, identifying financial trends, exceptions and emerging credit risk indicators. Together, these offerings support different stages of the commercial credit lifecycle.
Yes. Fexo supports on-premise and private-cloud deployment options for regulated financial institutions. Powered by FexoLM, its private financial intelligence architecture supports controlled data processing, institution-specific configurations and zero-data-egress deployments, helping banks retain control over sensitive financial and borrower information.