LendIQ by Skynotech is the intelligent underwriting infrastructure helping NBFCs and digital lenders automate analysis, detect fraud, and accelerate credit decisions at enterprise scale.
Skynotech is a fintech infrastructure company building AI powered tools that give lenders unfair advantages in speed, accuracy, and fraud prevention.
At Skynotech, we believe lending decisions should be driven by intelligence, not manual effort. Our team of engineers, data scientists, and fintech veterans built LendIQ from the ground up to solve the most painful problems in lending operations.
We process financial documents with the depth of a seasoned analyst, the speed of a machine, and the consistency that enterprises demand at every scale, every time.
Smarter lending starts with smarter infrastructure.
Decisions in minutes not days. Built for modern lending velocity.
Every workflow is secure, auditable, and compliance ready.
Intelligence at every layer, not bolted on as an afterthought.
500 or 50,000 applications with the same precision.
Manual underwriting and document fraud cost lenders millions in bad loans and missed growth every year.
Analysts spend days reviewing statements manually, creating backlogs and inconsistent credit decisions across your entire team.
Tampered PDFs and fabricated statements slip through manual review, exposing lenders to significant credit losses.
Without standardized rules, decisions vary by analyst creating regulatory exposure and portfolio unpredictability.
Disconnected tools for document processing, bureau checks, and decisioning create operational chaos as you scale.
From document upload to lending decision. Fully automated. Fully auditable. End to end.
Bank statements, ITRs, salary slips. 400 plus financial document formats supported with instant processing.
Deep financial intelligence extraction. Income patterns, cashflow trends, and risk signals identified in seconds.
Document tampering, metadata anomalies, and suspicious patterns detected before reaching underwriters.
CIBIL and CRIF reports pulled, parsed, and normalized into a unified borrower intelligence view instantly.
Configurable rules and composite scoring generate automated risk insights and intelligent decision support.
AI generated credit narrative and approval recommendation with complete audit trail and full explainability.
Processes bank statements, ITRs, salary slips, and audited financials with institutional grade accuracy, extracting income patterns, cashflow trends, and risk signals automatically.
15 Jan · Recurring
3 Jan · Auto debit
5 Jan · Recurring
Scans every document for tampering signals, metadata anomalies, and suspicious financial patterns, catching fraud human reviewers routinely miss at scale.
Normalizes multi bureau data into a single borrower intelligence view with tradeline analysis, delinquency signals, and composite scoring in one seamless workflow.
Feb 2025 · 8 tradelines
Jan 2025 · 6 tradelines
Synthesizes all data inputs into a concise, readable underwriting story enabling faster reviews, consistent decisions, and auditable credit assessments at every loan file.
Applicant demonstrates strong credit profile with 742 CIBIL score and stable salaried income of ₹1.82L per month from Infosys Ltd over 14 consecutive months. FOIR at 38% is well within thresholds. Documents show no integrity anomalies. Recommended for approval at ₹12L for 36 months.
Whether you are an NBFC processing 500 loans or a digital lender scaling to 50,000.
Replace manual underwriting with intelligent automation. Higher accuracy with complete audit trails for every file.
Embed LendIQ intelligence into your lending stack via APIs. Automate underwriting at the speed customers expect.
Give sourcing agents real time pre screening tools. Reduce rejections with cleaner pre underwritten applications.
Built for RBI regulated lenders with encrypted workflows, role based access controls, and complete audit trails at every step.
Data encrypted at rest and in transit
Granular permissions by team
Every action logged and timestamped
India hosted infrastructure
Built to meet requirements of RBI regulated lenders, aligned to DPDP Act and Indian financial services standards across every workflow.
Reach out to the Skynotech team. We would love to show you LendIQ in action.
Our team is ready to help you automate underwriting, reduce fraud, and scale your lending operations with LendIQ.
See LendIQ process real financial documents live. Fraud detection, underwriting scores, and AI insights in minutes.