Commercial CIBIL Analyser Every facility on a company's credit report, in one sheet.
Load a business's TransUnion CIBIL commercial report and every credit facility comes out as a sortable, filterable table — as borrower and as guarantor, with asset class, DPD, overdue, written-off and suit-filed flags, totals by lender and facility type, related parties and enquiries. Load several reports at once to see a group together, then export it all to Excel.
Read on your device · nothing is uploaded1 · Load the commercial report
Tap to choose, or drop commercial CIBIL PDFs here
You can select several reports at once
2 · Scanned report? Paste its text
How a lender reads a company's credit report
A commercial credit report is the business's own file at the bureau — separate from the personal reports of its owners. It runs to many pages, and the part that decides a loan is buried in the middle: one block for every facility a lender has reported, often dozens of them across term loans, cash credit, overdrafts, bank guarantees and letters of credit. Reading it page by page is slow and it is easy to miss a single account that changes the answer. This analyser lays every facility out in one table so the review starts from the whole picture.
What gets checked first
- Asset classification and days past due. Standard, SMA, or one of the non-performing classes — sub-standard, doubtful, loss. The tool reads the current classification and the worst one in the 36-month history, and totals the outstanding in each bucket.
- Overdue, written-off and settled amounts. A live overdue is a payment that is late today. A written-off or settled amount says a lender has already taken a loss. Each has its own quick filter.
- Suit filed and wilful default. Either flag on any facility is a serious finding, so they are counted on the top strip, not left inside a detail page.
- Guarantor exposure. Facilities where the business is only the guarantor are tagged by role. They are someone else's debt until that borrower defaults — then they are the business's.
Utilisation tells a story too
For each facility the tool works out outstanding as a share of the sanctioned amount. A cash-credit limit drawn to the brim month after month reads differently from one that moves, and a term loan whose balance is above its sanction needs an explanation. The summary tab totals the same figures by lender, facility type, role and institution, so concentration shows at a glance.
Corrections stay visible
Machine-reading a report is never perfect. Fields the extractor was not sure of are shaded amber and the facility is marked for review; any cell can be corrected by tapping it, and the edit is logged and carried into the totals and the export. The extraction log tab lists every warning, so you know exactly what to check against the original.
What is a commercial CIBIL report?
It is the credit information report a credit bureau keeps on a business — a company, firm or proprietorship — rather than on a person. It lists every loan, working-capital limit, guarantee and other facility lenders have reported against the business, with amounts, status and asset classification, plus its related parties and the enquiries lenders have made.
Is the report uploaded to a server?
No. The PDF is opened and read inside your browser by code on this page. Nothing is sent anywhere, and closing the tab clears the data.
Why are guarantor facilities shown separately?
A facility where the business stands as guarantor is another borrower's debt, but it becomes the business's liability if that borrower defaults. Lenders look at it apart from the business's own borrowing, so the analyser tags every facility with its role and lets you filter by it.
My report is a scanned PDF. Can the analyser read it?
A scanned PDF has no text to read. Copy the report text from a PDF reader or from your own OCR software and paste it into the fallback box; the analyser extracts the facilities from the pasted text.