Underwriting a business, not just a borrower — digitised end to end
Nanostuffs built SMFG India Credit a Business Installment Loan origination platform on Salesforce Platform and Experience Cloud — digitising MSME and business lending across five subtypes, from multi-channel lead capture through cash-flow-based underwriting to disbursement, with 22+ external integrations doing the data work that used to be manual.
A business loan is not a salaried personal loan with a bigger number. Deciding it means reading GST returns, financial statements, bank-statement cash flows and company filings — for proprietorships, partnerships, LLPs and companies alike. The hard part was turning all of that into one digital credit decision.
How the origination flow works
Video coming soon
At a glance
Client
SMFG India Credit — diversified NBFC
Challenge
Business lending assessed manually across GST, financials, bank statements and company data — slow, inconsistent, effort-heavy per file
Solution
A Salesforce + Experience Cloud origination platform with 22+ integrations feeding cash-flow-based, policy-driven credit decisions
Result
Faster, more consistent decisions across five business-loan subtypes
A business is harder to underwrite than a person
SMFG India Credit lends to Indian businesses — micro, small and medium enterprises across a range of structures and needs: term loans, working capital and overdraft, GST-turnover-based loans, invoice and bill discounting, and supply-chain finance. Each of those is a different product, and each borrower is a different kind of entity — a proprietor, a partnership, an LLP, a private company.
Assessing a business for credit is fundamentally harder than assessing a salaried individual. There is no single salary figure; creditworthiness lives in GST returns, income-tax filings, audited financials, bank-statement cash flows, and company filings — and it has to be spread and analysed, not just read. Done manually, each file meant pulling documents from multiple sources, keying data in, and applying policy by hand, with the inconsistency and slowness that implies.
SMFG needed this digitised across all five subtypes, for every entity type, on one platform — without losing the underwriting rigour that business lending demands.
Engagement Snapshot
- Client
- SMFG India Credit
- Product
- Business Installment Loan
- Platform
- Salesforce + Experience Cloud
- Subtypes
- 5 (Term, WC/OD, GST, Invoice, SCF)
- Integrations
- 22+ / 12 categories
Why Salesforce Platform + Experience Cloud
Business-loan origination needs a configurable, stage-based workflow, deep third-party integration, and strict governance — exactly the strengths of the Salesforce Platform. Experience Cloud adds the portals: applicants, DSAs and partners initiate and track applications; internal credit, verification and operations teams work the same records through their stages.
Building this on Salesforce rather than a bespoke stack meant SMFG got the workflow engine, the audit trail, the maker-checker governance and the role-based access as platform capabilities — so Nanostuffs could put the engineering into the lending logic and the integrations, which is where business-loan origination is actually hard.
What Salesforce + Experience Cloud handles natively
- A configurable, stage-based origination workflow from lead to disbursement
- Experience Cloud portals for applicants, DSAs/partners and internal teams
- Maker-checker controls, deviation matrices and a full audit trail
- One record model connecting application, applicant, collateral and decision data
Where custom engineering was needed
The custom engineering was the underwriting brain and the integration fabric: financial spreading for individuals and non-individuals, GST-turnover and DSCR/FOIR-based eligibility, a configurable credit policy/BRE per scheme, CGTMSE credit-guarantee handling, and orchestrating 22+ external services into a single, coherent flow.
What we built
01 · Layer
Business application & data pull
Entity-type-specific forms and Udyam/MSME capture, then automated pulls of GST returns, ITR, bank statements, MCA company data and KYC — the raw material for a real credit view.
GST · ITR · MCA · KYC02 · Layer
Cash-flow underwriting & BRE
Financial spreading, bank-statement cash-flow scoring, DSCR/FOIR, GST-turnover eligibility and a configurable credit policy engine per scheme, with deviation matrices and committee approval.
BRE · Financial spreading03 · Layer
Post-sanction & operations
Sanction and agreement generation, e-stamping and multi-signatory e-sign, charge/CGTMSE registration, repayment setup, and full/term/limit disbursement through payment rails.
eSign · CGTMSE · DisbursalWatch the LOS, powered by Agentforce
Powered by AgentforceA growing series of walkthroughs of the loan origination system, covering dedupe, verification, credit underwriting and more, with 20+ demos rolling out.
Turning GST, bank and financial data into one cash-flow credit decision
The genuinely hard problem in business lending isn't collecting documents — it's turning heterogeneous business data into a single, defensible credit decision, across five subtypes and every entity type. A proprietor's creditworthiness reads differently from an LLP's; a working-capital line is assessed differently from a term loan; GST-turnover lending, invoice discounting and supply-chain finance each have their own logic. All of it has to run on one platform without collapsing into a lowest-common-denominator form.
Underneath sits the integration problem. A real decision needs GST returns, ITR, audited financials, bank-statement analysis, bureau data (individual and commercial), company filings, and KYB/KYC — each from a different external provider, each with its own contract and failure modes. Twenty-two-plus integrations have to feed the underwriting cleanly, because a credit decision built on a half-loaded data set is worse than no decision at all.
The fix was not a bigger application form — it was a configurable underwriting engine fed by orchestrated integrations, so each subtype and entity type gets the right data and the right policy, automatically.
Nanostuffs built the financial-spreading and cash-flow-scoring logic, a credit policy/business-rules engine configurable per scheme, and the orchestration that pulls GST, bank, bureau, MCA and KYB data into the decision — with deduplication, group-exposure and sanctions screening built in. The result is one platform that underwrites five business-loan subtypes on real cash-flow evidence, consistently, with the governance a regulated NBFC requires.
Before
- Business creditworthiness assessed manually from GST, financials, bank statements and filings
- Each subtype and entity type handled inconsistently, file by file
- Bureau, bank, KYC and company data pulled and keyed in by hand
- Slow, effort-heavy decisions with limited auditability
After
- One platform underwriting five subtypes on real cash-flow evidence
- GST, ITR, bank, bureau, MCA and KYB data pulled automatically via 22+ integrations
- Configurable credit policy/BRE per scheme, with deviation and committee governance
- Faster, more consistent, fully auditable decisions across entity types
How we delivered it
A stage-by-stage build of the origination journey, integration-heavy from the start.
Model the lending flow
Mapped all five subtypes and entity types into one configurable origination model across the LOS stages.
Build the integrations
Orchestrated 22+ providers — GST, bureau, bank-statement, KYB, KYC, fraud and BRE — into the enrichment and underwriting stages.
Build the underwriting engine
Implemented financial spreading, cash-flow scoring, DSCR/FOIR and a per-scheme credit policy/BRE with deviation matrices.
Sanction, disburse, monitor
Built post-sanction, disbursement and covenant/drawing-power monitoring, with LMS integration and self-service portal.
What changed for SMFG India Credit
Real numbers only — pending metrics await client-approved data.
application to sanction, before vs after
integrations replacing manual bureau, bank, KYC & valuation checks
Business-loan origination went from a manual, document-heavy assessment to a digital, integrated flow that underwrites five subtypes on real cash-flow evidence.
Salesforce + Experience Cloud — common questions
Originating business loans through manual, document-heavy processes?
We build Salesforce loan-origination platforms that turn manual, multi-week lending into digital, integrated, auditable flows. Let's map where yours should start.
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