Three signals, out of the books you already keep.
Where the business stands, how that compares with firms like it, and what falls due next. Move anything on this page and watch it recompute.
The scoring curves, the component weights and the industry percentiles on this page are the ones the product runs. Nothing here is a mock-up of the maths.
Where does the business actually stand?
Signal 01 · Financial Health ScoreA credit score reads what you borrowed and whether you repaid it. This reads how the company is run: sixteen measures, grouped into seven parts, each scored against a curve and weighted. Start from a company like yours, then move anything.
Stretching creditors flatters the cash cycle and hurts liquidity at the same time. Each part is weighted, so improving one at the cost of another moves the score very little. The only way up is the real way up.
A measure the ledger cannot support is left out and its weight goes with it. The screen then says what share of the full weight the score rests on, rather than quietly scoring you on a gap.
In the product each of the sixteen measures opens to the figures behind it, and each figure to the posted vouchers behind that. A score you cannot take apart is a score you cannot act on.
Is that normal for a business like mine?
Signal 02 · Industry PackEighty debtor days is comfortable in pharma manufacturing and alarming in distribution. So the comparison is against your own industry, at your own size, on thirteen measures — and the gap is priced on the revenue you enter, not on a number we picked.
Starter percentiles, so the screen works before any company-level data exists for that industry and size. They are labelled as samples in the product too, and every cell carries its own count.
They are computed from the same industry and size as you. They are not reviewed or signed off by a chartered accountant, and we do not claim they are.
What falls due, and what does it cost if it slips?
Signal 03 · Finance CalendarThe dates below are the standard ones under the Act, so they apply to every business in India. Click any marked date to see what it is and what the delay costs. Move through the months, or jump by the bars at the bottom.
This page shows the dates everyone shares. In the product each one carries your amount, read from the ledger: the 3B liability for that month, the advance-tax instalment on the year's own numbers, the PF and ESI run from the payroll already posted.
Customer receipts on the day that customer actually pays, not the day the invoice says. Supplier bills on the day they fall due. Every MSME bill approaching its 45-day limit under section 43B(h). Loan instalments, rent and salaries on their real dates.
With money in and money out on the same calendar, each date shows what is left after it. That is how the product finds the cash that is genuinely spare, and how long it stays spare.
One rule sits under all three.
The platform computes every figure from your ledger. A model writes the sentence around those figures. Any sentence carrying a number the computed data does not contain is discarded before you ever see it.
That is why a score here opens into sixteen measures, a measure opens into its figures, and a figure opens into the vouchers behind it. Nothing on these three screens is a number you have to take on trust.
Tally Prime through a small TDL add-on, Zoho Books and ERPNext through their own APIs, an Excel drop zone, and a generic REST adapter for everything else. Every connector runs read-only unless you explicitly opt in. India-hosted by default.
How the connectors work