Agentic AI · Built for Indian debt

Automated debt marketplace
for SMEs & Borrowers Banks & NBFCs DSAs & LSPs Credit Funds

One application. Every lender. Fully automated from deal sourcing to disbursal — in hours, not weeks.

Book a demo See how it works
500+
Lenders Live
₹2,000 Cr+
Deals Processed
300+
Checks Per File
<4 hrs
Avg Time to Decision
Trusted by lenders, DSAs and enterprises across India
Built for every participant

One platform.
Every side of the deal.

Borrowers, DSAs, and lenders all win on a single engine — the more participants, the better the match.

Borrower experience

Apply once.
Reach every lender.

<4 hrs
Average time to offer
20+
Lenders competing for your deal
1
Application, any device

Stop applying to six lenders separately. Upload your documents once — bureau, GST, bank statements — and Zerixis automatically matches you with the right lenders and competes for the best rate.

Apply for funding →
✓
Upload documents once
Bank stmt, GST, ITR — 2 min via WhatsApp or portal
Done · 2m
✓
AI underwriting runs automatically
300+ checks across bureau, GSTN, MCA, banking
Done · 8s
✓
Matched to 20+ lenders instantly
Pre-underwritten file distributed to best-fit NBFCs
In progress
4
Receive best offer & accept
Compare rate, tenure, security — accept in one click
5
Funds disbursed
Same-day disbursal after lender confirmation
DSA & LSP stack

Source a deal.
The platform closes it.

10×
Faster case processing
0
Manual doc chasing
+200%
Partner activation rate

Your job is sourcing. Ours is everything after. Zerixis automatically collects documents via WhatsApp, runs underwriting, selects lenders, and tracks every file — so you close 3× more deals in the same time.

Partner with Zerixis →
✓
Add borrower via CRM or WhatsApp
Phone number → AI agent handles all document collection
Auto
✓
Live deal status dashboard
See every case, every stage, every lender response
Done
✓
Automatic lender distribution
Best-match lenders get the file without you lifting a finger
In progress
4
Instant payout on disbursal
Commission calculated and released same day
Lending infrastructure

Deploy capital,
not analysts.

80%
Faster TAT
4×
Higher throughput
300+
EWS signals post-disbursal

Every deal arrives pre-underwritten — bureau pulled, GST verified, CAM generated. Your credit team reviews decisions, not data. Connect via API on day zero, no LOS rebuild required.

Explore lender stack →
✓
Pre-underwritten deal arrives
Bureau + GST + CAM already complete. 300+ checks done.
Auto
✓
Credit team reviews, not rebuilds
One-page CAM with recommendation. Click approve or decline.
Done · 8s
✓
Term sheet issued automatically
Borrower accepts, legal docs generated via e-sign
Active
4
Continuous portfolio monitoring
300+ EWS signals on every borrower, every day post-disbursal
Fund intelligence

Due diligence in seconds.
Portfolio in real time.

~30 days
Saved per deal
8 min
Avg DD time
24/7
Portfolio monitoring

30-day sprint becomes a 30-second engine. Quarterly reviews become continuous EWS. Zerixis evaluates portfolio companies across financial health, compliance, and market signals — daily.

Run DD on a portco →
✓
Instant DD on any company
CIN → complete 20-page report in 8 minutes
8 min
✓
Portfolio added to monitoring
300+ EWS signals tracked daily across all portcos
Done
✓
Stress signals surface in real time
GST drops, director changes, bureau flags — same week
Live
4
Quarterly review becomes one-click
Auto-generated portfolio health report for IC
The platform

Every step of debt,
in one AI-native engine.

Four modules, one engine. Built for Indian credit from the ground up.

01
📥
Deal Sourcing & Onboarding
WhatsApp AI agents and portal collect every document. Magic upload sorts files in 2 seconds. DSA CRM tracks every case.
2s
Document filing time
02
🔍
AI Underwriting
Bureau, GST, banking, MCA, NCLT — all sources cross-verified. 300+ automated checks. One-page CAM with recommendation.
8s
Avg CAM generation time
03
⚡
Lender Matching & CRM
Proprietary matching engine routes pre-underwritten deals to the right lender. Borrower, DSA, and lender portals — one connected system.
+300%
Partner activation velocity
04
📡
Portfolio Monitoring
300+ early warning signals on every borrower, every day. Stress signals surface the same week they emerge — not at quarterly review.
24h
EWS refresh cycle
See the agents work

Watch the AI reason
in real time.

Sourced, citation-ready, auditable — across bureau, GST, banking, MCA and 100+ sources.

Magic Upload
4 / 4 sorted · 2.1s
Drag & drop any files
File name Entity Data type
PDF
AuditedFinancials_FY25.pdf
Sai Enterprises Pvt Ltd
Audited Financials
PDF
GSTR3B_Mar25.pdf
Sai Enterprises Pvt Ltd
GST Filing
PDF
BankStatement_Mar25.pdf
Sai Enterprises Pvt Ltd
Bank Statement
PDF
Form26AS_FY25.pdf
Sai Enterprises Pvt Ltd
Tax Form 26AS
4 documents filed · case FD-3821
GENERATED · 8.0s
SAI_ENTERPRISES_CAM.PDF
Sai Enterprises Pvt Ltd
CIN U29100MH2019PTC312456 · Mumbai · SME · Manufacturing
Recommend Approve
Facility
₹3.2 Cr
Tenure
36 months
Rate
13.8% pa
Security
Hypothecation
Bureau Score
764 ↑
Revenue (FY25)
₹18.6 Cr
DSCR
1.7×
EBITDA Margin
16.2%
Sai Enterprises shows consistent revenue growth (+14% YoY), healthy DSCR of 1.7×, and clean compliance across MCA, GST and bureau. GST filings current, no defaults. Recommended for approval at requested terms with semi-annual portfolio review.
15 sources · 300+ checks · sourced & auditable Generated by Zerixis agents · May 2026
FD
Zerixis AI ● Live on FD-3821
Y
Surface any red flags before I send this to credit committee.
FD
0 red flags, 2 amber across 300+ checks. Neither is disqualifying.

AMBER

Inventory days up 18% YoY — working capital tied up; receivables stretched 9 days. [GST · banking · MCA]

AMBER

GST filings delayed avg 6 days in Q3 FY25, reverted to on-time in Q4. [GSTN]
Y
Compare DSCR and EBITDA with peers, same industry, same size.
FD
Benchmarked against 312 peers (manufacturing, ₹15–30 Cr revenue). Sai Enterprises is top quartile on both.
DSCR — Company
1.7×
DSCR — Peer median
1.3×
EBITDA — Company
16.2%
EBITDA — Peer median
12.8%
What our customers say

The numbers
behind the results.

"Zerixis cut our underwriting TAT from nine days to under four hours. The credit team spends time on decisions now, not rebuilding data from scratch."

HC
Head of Credit
Mid-market NBFC · Bengaluru
9d → 4h
Underwriting TAT
+1,200 hrs
Saved in 90 days

"Partner onboarding used to take a week of emails. Zerixis gives us a complete DD file in seconds — partners go live the same day they apply."

RK
Co-Founder & COO
Lending-tech Fintech · Mumbai
7d → 1d
Partner onboarding
4×
Partner activation velocity

"We process 500 DSA-sourced files a month. Before Zerixis, half came incomplete. Now every file arrives pre-underwritten, ready for a credit decision."

AM
VP Credit Operations
Listed NBFC · Delhi
500+
Files per month
96%
First-pass completion rate

"Portfolio monitoring used to be quarterly. With Zerixis's continuous EWS we get stress signals the same week they emerge — three portfolio saves in Q1 alone."

ID
Investment Director
Mid-market Credit Fund
Quarterly→Daily
Monitoring cadence
3 saves
In Q1 alone
Frequently asked

Everything you need
to know.

What Zerixis is, what it does, and how it fits your team.

Zerixis is India's first end-to-end automated debt marketplace. It connects borrowers, DSAs/LSPs, and lenders on one platform — automating every step from deal sourcing and document collection to underwriting, lender matching, and portfolio monitoring.
AICA is a due-diligence SaaS tool sold to lenders. Recur Club is a debt platform for startups. Zerixis is a three-sided marketplace — borrowers, DSAs, and lenders all participate. We automate the entire deal cycle, not just one step. Our benchmark isn't report generation time; it's time-to-funded.
SMEs and borrowers seeking debt capital. DSAs, LSPs, and loan agents sourcing deals. Banks, NBFCs, and credit funds deploying capital. All three sides interact on one connected platform.
Document collection (WhatsApp AI agents + Magic Upload), primary and secondary underwriting (bureau, GST, MCA, NCLT, banking, audited financials), CAM generation, lender matching, term sheet distribution, e-sign, and continuous post-disbursal EWS monitoring.
Yes. The architecture is aligned with RBI Digital Lending Guidelines, the Account Aggregator framework, and the DPDP Act. Audit trails, consent records, and compliance evidence are regenerable on demand.
Zerixis connects via API to most major lending and procurement systems. No rip-and-replace. It sits in front of your LOS and behind your customer portal — live on day zero.
Zerixis runs on a private, isolated LLM dedicated to your tenant. Your borrowers' files never touch a public model. AES-256 encryption in transit and at rest, ISO 27001 certified, zero-trust access controls, full audit logging.
Lenders and DSAs can be live on day zero via API or our hosted portal. No data migration required. We offer a guided onboarding sprint — most customers are processing live files within one week of contract signing.
Security & compliance

Bank-grade security.
Built for RBI compliance.

🔒
256-bit Encryption
End-to-end AES-256 encryption in transit and at rest. Your borrowers' data never leaves your private environment.
📋
ISO 27001 Certified
Audited information-security management system. Annual third-party penetration testing. Full audit trail on every action.
🇮🇳
RBI & DPDP Compliant
Aligned with RBI Digital Lending Guidelines, Account Aggregator framework, and the DPDP Act. Consent records regenerable on demand.
Get started today

From application to funded.
In hours, not weeks.

Join 500+ lenders, DSAs and enterprises running deals on Zerixis every day.

Book a demo Talk to sales