About DharaIQ

Built for the people who make credit decisions

DharaIQ turns bank statement PDFs into evidence a credit team can read, check and defend. Your people keep the decision.

Request a demo See how it works

A bank statement already holds the evidence a lender needs: income, obligations, bounced payments and spending.

Reading it page by page by hand is slow work, and a statement can be edited before it is submitted.

We built DharaIQ to read the statement, flag what needs a person, and keep a trace of every decision, so a credit team spends its time on judgement rather than data entry.

What we believe

Four principles shape every part of the product.

  1. Evidence over guesswork

    Every score comes with the signals behind it, so a reviewer can see why.

    Signals, not black boxes

  2. Privacy by design

    Personal details are masked before AI. If masking cannot be done, the statement is not processed.

    Masked before AI

  3. People decide

    DharaIQ supports the review. Approvals, rejections and disbursals stay with your team.

    Advisory only

  4. Plain and inspectable

    Versioned policies and an append-only trace your auditors can follow.

    Decision trace

See it on your own statements

Bring a sample statement and we will walk through the results with your team.

Request a demo

What happens in a demo

  1. Bring a sample statementWe run it through DharaIQ with you, start to finish.
  2. Read the results togetherScore, cash-flow signals and tamper checks, explained line by line.
  3. Plan how it fitsAPI or portal, security questions and how billing would work for your team.