VTP Altitude, Wakad, Pune, Maharashtra 411033, India
MediTrack: Patient Portal & Clinical Records
VTP Altitude, Wakad, Pune, Maharashtra 411033, India
Community Trust Microfinance
Finance & Banking
AI/ML Solutions, Software Development, Cloud & DevOps
Community Trust Microfinance wanted to lend to small business owners that traditional banks routinely turn away — market vendors, home-based tailors, independent delivery drivers. We built OpenLedger, a mobile-first lending platform that scores creditworthiness from real cash-flow data instead of a credit history most applicants never had the chance to build.
Loan approval time, down from ~3 weeks
Borrowers with first-time formal credit
Lower default rate than industry benchmark
Loan book growth in twelve months
Hundreds of millions of small business owners worldwide are shut out of formal credit simply because they have no paper trail a traditional bank recognizes — not because they're a bad credit risk. That gap pushes them toward informal lenders charging punishing interest, or forces them to shut down during a slow month they could otherwise have weathered with a short-term loan. Expanding who gets fair access to credit is directly tied to whether small businesses in underserved communities survive, grow, and hire.
Most applicants had no formal credit bureau file at all, so a conventional scoring model would reject nearly everyone by default. The platform needed an alternative-data underwriting model, automated KYC that works from a phone camera and a national ID, and disbursement fast enough to matter for a business that needs stock today, not in three weeks — all while staying compliant with lending and AML regulations.
Cash-flow credit score
Working capital loan
$1,200 requestedKYC verified
ID + selfie match, 40 secondsCash-flow signals
Alternative-data credit scoring built from cash-flow and transaction history, not bureau records
Mobile-first application with automated KYC and document verification
Real-time underwriting engine with same-day approval decisions
Built-in AML and regulatory reporting so compliance scales with loan volume
Loan approval time dropped from roughly three weeks to under 48 hours. 62% of approved borrowers were receiving formal credit for the first time in their lives, and the platform's default rate came in 18% lower than the industry benchmark for underbanked lending — proof that better data beats a thin credit file. Community Trust's loan book grew 3x in twelve months without adding underwriting staff.
~3-week manual approval
Under 48 hours, data-driven
Financial inclusion only works if the lending model is actually sound. Here's why OpenLedger holds up where generic loan software falls short.
Opens a legitimately underserved market segment without taking on outsized default risk
Cuts loan processing cost per application so smaller loan sizes stay profitable to serve
Regulatory and AML compliance designed in from the start, not patched on before an audit
Strengthens a lender's financial-inclusion story with real, auditable outcomes
Years of experience
Building and supporting business-critical software.
Projects delivered
Across web, mobile, cloud and data platforms.
Client retention
Most clients stay on for ongoing support and new work.
Specialists on staff
Engineers, designers and analysts under one roof.
