The problem
Drawing power is the first line of defence on working capital exposure. Yet in most banks it is still computed by hand.
Manual computation, inconsistent rules
Margins, ageing cut-offs and ineligible items are applied differently across branches and analysts.
Late and incomplete statements
Stock and book-debt statements arrive late or partially, and follow-ups are tracked informally.
No view of trends
Month-on-month swings in inventory, receivables or creditors go unnoticed until they become a problem.
Weak audit trail
When auditors or inspectors ask how a DP figure was arrived at, reconstructing it takes days.
How it works
Collect
Stock and book-debt statements are received through a secure channel, with automatic follow-up on pending submissions.
Compute
The platform applies your sanction terms: margins, ageing, ineligible stock and receivables, and creditor deduction.
Compare
Results are compared with previous periods and with outstanding balances to flag variances and shortfalls.
Review
Our credit team reviews every exception and validates the computation before release.
Report
You receive account-level DP statements, a portfolio summary and an exception list.
What you receive
- Account-level drawing power statements in your bank's format
- Portfolio dashboard: DP vs sanctioned limit vs outstanding
- Exception list: shortfalls, large variances, pending statements
- Ageing analysis of receivables and trend view of stock and creditors
- Complete audit trail for each computation
Technology plus expert review
Our platform applies your rules consistently to every account. Senior credit professionals then review exceptions and validate outputs, so you get the speed of automation with the judgement of experienced bankers.
Who it's for
- Credit monitoring and credit administration teams
- Banks with large working capital portfolios
- NBFCs offering inventory and receivable-backed lines
Frequently asked questions
Can the computation follow our bank's specific rules?
Yes. We configure margins, ageing cut-offs, eligibility rules and formats to match your credit policy and each account's sanction terms.
Do we have to change our systems?
No. We work with the statements and data you already receive, and deliver outputs in your formats. Integration with your core systems is optional.
How is borrower data protected?
Data is exchanged through secure channels, access is role-based and logged, and our team works under strict confidentiality obligations. See our Trust and security page.
How quickly can we start?
A pilot on a sample of accounts can typically begin once the scope, formats and data exchange are agreed.
Is this a software licence or a service?
It's a hybrid: our platform does the computation and tracking, and our team manages the process and reviews every exception.