Tokens & Apps · Fintech · credit pre-qualification · 2026
VeraFi
Pre-qualifies small businesses for credit using live GST data and a deterministic 5-signal model.
- Model
- 5 signals
- Data
- Live GSTN
- Security
- Server-gated + RLS
01 The problem
Small businesses in India struggle to access credit because lenders can't quickly verify them. Underwriting starts with paperwork rather than data the government already holds.
VeraFi verifies an SME's GST standing against live government data, scores it with a transparent 5-signal model, and hands lenders a ready-made underwriting packet with a full consent trail.
02 How it works
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03 What I built
- 01Two-step Sandbox.co.in authentication and parallel fetches of the GSTIN profile plus 12 months of GSTR-1/3B filings.
- 02A deterministic 0–100 score from GST history, filing discipline, return consistency, taxpayer type and geography.
- 03A hard disqualifier for inactive GSTINs, and consent timestamps and IPs logged for every stored lead.
- 04A server-gated NBFC dashboard with row-level security.