HyperVerge Launches AI Agents for Business Loan Underwriting at Global Fintech Fest
The financial underwriting agent reviews bank statements, GST filings and tax returns, while flagging missing information.
AI-driven customer onboarding company HyperVerge has launched a suite of three AI agents designed to automate parts of business loan underwriting.
Unveiled at Global Fintech Fest 2026, the suite addresses India’s estimated ₹25 lakh crore MSME credit gap. HyperVerge said the agents can reduce manual work involved in processing complex business loan files to less than an hour, while keeping final credit decisions with human credit managers.
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The financial underwriting agent reviews bank statements, GST filings and tax returns, while flagging missing information.
A separate video personal discussion agent, available in 10-12 languages, participates in credit-manager calls, asks questions based on identified risks and records timestamped responses.
The third agent conducts background due diligence using corporate filings, litigation records and sanctions lists.
“Small ticket personal loans disburse in under 10 minutes today, but business loans still take days because of the depth of assessment they require. For over a decade, HyperVerge has answered one question for lenders: is this person who they claim to be?
This suite takes on the natural next question on whether they can repay the loan. Our AI agents automate that assembly work, pulling documents, compiling data, and running credit parameters, so a small business doesn’t have to wait weeks for a decision and gets access to credit faster,” said Kedar Kulkarni, HyperVerge CEO & Co-Founder.
HyperVerge said every recommendation is linked to its source, including financial documents, video timestamps or public filings, supporting traceability in AI-assisted lending.
“We built traceability into the agentic suite from the start so a credit team, a borrower or a regulator can see exactly where information came from. The same system that checks a business premises against reported financials during a video call also helps flag suspected mule accounts because it’s critical to ensure physical reality matches the paperwork,” said Vignesh Krishnakumar, HyperVerge CTO & Co-Founder.
The company tested the suite with around 10 mid-sized lenders. Financial assessment time fell from two to three hours to five minutes, while credit appraisal memos that previously took four hours were generated in under 10 minutes.
HyperVerge estimates the system can save ₹2,500-₹3,000 per file and enable lending teams to process two to three times more files without additional headcount.
The Left Shift Bureau
Pritam Bordoloi
