Credit infrastructure that can explain itself.
Gradexa is building the decisioning brain and the lending stack around it for India — a deterministic, explainable Credit Engine and a full CRM / LOS / LMS Suite on one data model. The same engine is designed to power our own lending product as it goes live.
A decisioning API and the Suite it powers.
Two products, one platform. Use the engine via API, adopt the Suite, or run both.
The Credit Engine
Raw bureau report in; risk grade, priced offer, and reasons out. Two-stage — eligibility knockouts, then 10-grade risk-based pricing — with full explainability on every response.
About the engineThe Suite
CRM, LOS, and LMS on one data model. Capture a lead, originate and decide, disburse, and service — with the engine at the center of every decision.
About the SuitePrinciples we won't trade away.
Explainability isn't optional
A lending decision you can't explain is a liability. Every decision returns the rules that fired and each factor's contribution — by design, not as an afterthought.
Policy belongs to credit teams
Eligibility and pricing are configuration, not code. The people who own risk can change policy without an engineering release.
One model beats four integrations
CRM, LOS, and LMS on a single data model removes the reconciliation tax that comes from stitching separate vendors together.
Honesty with a lending audience
We don't claim customers we don't have, latency we haven't measured, or integrations that aren't wired. What we say is live, is live.
Where we are today
Gradexa is in active development. The decisioning logic, pricing grades, explainability, and the shared CRM/LOS/LMS data model are the core of the platform. Bureau adapters (CIBIL, CRIF High Mark, Experian, Equifax) and NACH are enabled on onboarding with your credentials. We are not yet publishing a customer list — when we have production lenders to name and they consent, they'll appear here, not before.
Talk to us.
If you're building or running a lending product in India and want decisioning you can defend, we'd like to hear from you.