Hisaab gives small vendors instant working-capital loans through the app they already use every day. No branch visit. No app download. No formal credit score needed.
From first message to funds โ entirely inside WhatsApp, entirely on your terms.
Text or voice note: tell Hisaab what you need and why. In your own language.
Photo of a supplier invoice, receipt, or inventory list. AI reads it automatically.
Hisaab builds your Trust Score from real business signals โ not a credit bureau.
Loan amount, repayment plan, and next steps โ all confirmed in the same chat.
Designed from the ground up for vendors who run cash businesses and live on WhatsApp.
WhatsApp is already on every phone. Hisaab lives inside it โ nothing new to install, learn, or remember.
Apply at 11pm before the morning mandi run. The whole process โ from request to decision โ happens in chat.
Hisaab builds your Trust Score from how you run your business, not what a bureau has on file. Invisible to banks, visible to us.
Hindi, Tamil, Telugu, Marathi โ speak or type in whatever feels natural. Voice notes work too.
Not days. The AI processes your request, checks eligibility, and recommends an amount before your chai gets cold.
Repayment schedules built around daily revenue โ not monthly banking cycles. Pay as you earn.
Traditional lenders look at formal credit bureaus. Hisaab looks at you โ how consistently you describe your business, what your bills show, and how you've repaid in the past.
We call it the Trust Score โ a lightweight creditworthiness view built entirely from alternative signals.
