HyperVerge, a leading AI-driven customer onboarding technology company, today launched a suite of AI agents for business loan underwriting at the Global Fintech Fest 2026.

Built to close India’s Rs.25 lakh crore credit gap for MSMEs, the suite of three AI agents cuts manual work on complex business loan files to under an hour, while keeping the decision-making in the hands of credit managers, which is in line with RBI’s Guidance on Regulatory Principles for Model Risk Management.

Timely access to credit still remains one of the greatest challenges MSMEs face. A small retailer waiting on a loan to restock before the festive season, a manufacturer waiting on working capital, or a new business waiting on its first loan to launch are faced with exactly this challenge. Work stalls while a credit file sits with a lender for days. These delays aren’t unfounded as financial institutions too must perform due diligence before handing out a loan.

Only 41% of India’s 8.7 crore registered MSMEs have ever accessed formal credit. Outstanding commercial credit still grew 14 percent year over year, to Rs.65.8 lakh crore. According to Deloitte, the resulting MSME credit gap stands roughly at Rs.25 lakh crore. Manual review cannot close a gap that size at a cost lenders can sustain. HyperVerge’s AI agents suite for loan underwriting comes at the right time to ensure credit is accessible to the right people and fraud is checked at the door before it has a chance to happen.

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“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,” says Kedar Kulkarni, CEO & Co-Founder, HyperVerge.

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Every recommendation the agents make links back to its original source be it a bank statement, a video timestamp or a public filing. Such explainability is exactly what RBI’s recent guidance expects from AI in lending.

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“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,” says Vignesh Krishnakumar, CTO & Co-Founder, HyperVerge.