Tartan for Lending
710+
data points from 5 inputs
3.2s
average response time
01
integration replaces 15–20 vendors
Why lending teams struggle with data
Every source is a separate integration
None of them talk to each other
Income, employment, tax history, bank behaviour - each lives in a different system, behind a different vendor, on a different timeline. Lenders piece it together manually, underwrite on self-declared data, and discover fraud only after disbursement.
Tartan replaces the fragmented stack with one verified data layer.
What lenders use Tartan for
From first touch to final repayment - without the broken handoffs between your acquisition, underwriting,
fraud, and collections stacks
Stop spending on the unqualifiable
Know who's creditworthy before they apply
Most lender CAC is wasted reaching borrowers who can't be underwritten. Tartan lets you pre-screen on verified income, employment history, and financial behaviour signals - before a single application is submitted
“Tartan verified borrowers before application, reduced CAC waste, and helped underwriting focus on stronger income, employment, and financial signals.”
Priya Agarwal
Head Process Product
Drop-off isn't a UX problem
The document upload screen is where borrowers leave
Tartan replaces your document collection loop with a single consented data fetch. Identity verified against government sources. Address confirmed digitally - no field visits. Bank account validated instantly. Application forms prefilled from verified data
"Tartan’s Digital Address Verification reduced TAT, improved address accuracy, and strengthened fraud checks - all through a seamless LOS integration."
Satish Jha
Head Process Innovation
Garbage in. Garbage out
Your credit model is only as good as the data behind it
Tartan connects your underwriting engine to verified, source-pulled data across every borrower type.
Salaried
Income and employment confirmed against EPFO and payslip records. Declared vs. verified mismatches flagged before the file moves
Self-employed
Income assessed against ITR filings. Tax compliance and stability verified at the point of application
MSME
Business health evaluated through GST filing history, turnover data, and MCA records
All borrowers
Screened against sanctions databases, court records, and credit default lists. Bank behaviour assessed through AA-based statement analysis
Your model doesn't change. Your inputs do
Don't work a stale book.
The data from the original application isn't the data you need today
By the time a borrower defaults, contact details are wrong and repayment capacity has shifted. Tartan gives recovery teams a current picture - verified address, live income signals, and employment status - at the point of initiation
Prioritise where recovery is viable. Restructure where the data supports it. Move on where it doesn't
Consent-driven
Audit-ready
DPDP compliant
ISO 27001
ISO 27701
AICPA
CISA
