Finpass By Surepass

Finpass is the operating system for digital lending, built to simplify, standardize, and strengthen underwriting for the BFSI ecosystem.

Powered by Surepass, Finpass brings together a growing suite of production-proven underwriting, financial analysis, and risk intelligence solutions designed for lenders operating at scale. It enables financial institutions to move from fragmented data checks to a unified, insight-driven underwriting workflow.

Finpass helps assess creditworthiness, cash flows, liabilities, compliance posture, and fraud risk using verified data sources and advanced analytics—enabling faster approvals without compromising risk controls.

Core Capabilities

Bank Statement Analyzer (BSA): Comprehensive financial health assessment including income verification, spend and cashflow analysis, multi-account evaluation, smart reconciliation, negative balance detection, and early warning signals for document tampering, fraudulent income infusion, cheque bounces, and anomalies.

SMS Parser: Intelligent classification and analysis of transactional messages to identify income sources, EMI obligations, utilities, lifestyle spends, and enable instant credit assessment.

Account Aggregator (AA) Services: Secure, consent-driven access to verified financial data.

Credit Bureau Analysis: Holistic credit profiling for informed underwriting.

GSTR Analyzer & ITR (26AS) Analyzer: Tax and compliance-based business and individual assessment.

Legal Data Analyzer: Identification of legal exposure and risk.

Invoice Analyzer: Automated extraction, validation, and analysis of invoice data.

Industries We Serve:

Banks and NBFCs

Digital lenders and fintech platforms

MSME and SME lending institutions

Supply-chain and invoice financing platforms

Embedded finance and B2B credit providers

Key Use Cases

Retail and MSME loan underwriting

Cashflow-based and alternative credit assessment

Early fraud detection and risk mitigation

Credit line renewals and limit enhancements