This shapes your scorecard and your briefing. You can change it any time on your profile.
Live pulseTally · Bank · GSTReal-time marginMade for Indian SMEsLive pulseTally · Bank · GSTReal-time marginMade for Indian SMEs
Margyn 1.0
—
Snapshots recorded
0
Latest pulse
0
Tracking since
—
Account
Read-only. These come from your login.
Email—
Account created—
User ID—
Business details
Used in your scorecard and your AI briefing. Edit and save any time.
WhatsApp briefings
Opening Bell every morning, Closing Bell every evening — your Pulse Score and top action items, delivered straight to WhatsApp. Coming soon — we're connecting this to the WhatsApp Business API. Save your number now to be first in line.
Upload your workbook
One Excel file with five sheets: Bank Accounts, Receivables, Payables, P&L Summary, GST ITC.
Set your reconciled cash balance and P&L figures here. Receivables and payables are now tracked as a live ledger — open a vital on the Scores tab to add or clear individual entries.
Prepared by Margyn — confidential, not a credit assessment or lending decision.
Get set up
0 of 4
0
Pulse score — live
Tap for full breakdown & action items
Executive briefing
Generated from your latest snapshot.
Previous scores
Every snapshot you've recorded. Depth here is what makes the score meaningful over time.
Indicative working-capital eligibility
—
Upload or enter a snapshot to see an estimate.
Get matched with a lender
We don't broker this ourselves yet — express interest and we'll personally reach out once a lending partner is live. Your data is never shared without your consent.
✓
You're on the list
We've recorded your interest. We'll reach out directly once a lending partner is live.
Pulse score — live
0
Trend
What needs your attention
Methodology — v2.0
How your Pulse Score is calculated
Four pillars — Liquidity, Efficiency, Profitability, Compliance — expressed as six vitals, benchmarked against published lending and accounting standards, not arbitrary thresholds.
Liquidity30%Cash Position + WC Runway
Efficiency35%Receivables + Payables
Profitability20%Net Margin
Compliance15%GST/ITC Leakage
CASH POSITION
15%
WC RUNWAY
15%
RECEIVABLES
17.5%
PAYABLES
17.5%
NET MARGIN
20%
GST/ITC
15%
The six vitals
Cash Position
15%
cash ÷ monthly operating expense, mapped on a 3–6 month curve
Part of the 30% Liquidity pillar — running out of cash, not unprofitability, is what actually kills most SMEs.
The other half of Liquidity. As of v2.0, this uses risk-adjusted receivables, not face value — see below — so runway can't be inflated by invoices unlikely to ever be collected.
Receivables Aging
17.5%
expected-credit-loss aging, invoice by invoice — plus a concentration cap
Part of the 35% Efficiency pillar. Every open invoice is aged individually and risk-weighted on a simplified Ind AS 109-style expected-credit-loss curve (0% loss under 30 days, rising to 95% past a year), then rolled up into one score — a sharper read than a single "% over 90 days" ratio. If your top three customers hold 40%+ of what you're owed, the score is capped at 65 regardless of aging, since concentration risk doesn't show up in aging alone.
Payables Due
17.5%
cash coverage of payables due in 30 days, minus an overdue penalty
The other half of Efficiency. Coverage (payables due ÷ cash) sets the base score; anything already overdue against its own due date subtracts further, since an unpaid bill is a sharper signal than a merely upcoming one.
Net Margin
20%
net profit ÷ revenue, against an industry benchmark
The full 20% Profitability pillar. Weighted up in v2.0 — profitability is still a lagging indicator, but it's the clearest read we have on whether the business model itself works, not just whether this month's cash holds.
GST/ITC Leakage
15%
unclaimed ITC ÷ monthly GST payable
The full 15% Compliance pillar. A real cash leak worth surfacing on its own — not a solvency risk like the other five, which is why it stands alone as its own pillar rather than folding into Liquidity.
Known gaps, on purpose
v2.0 is more precise where the underlying ledger supports it, and deliberately not fancier than the data allows everywhere else. Payables scoring stops at cash-coverage and an overdue penalty rather than the full MSMED Act 45-day compliance check, because that needs vendors tagged as MSME-registered — not yet captured. GST/ITC is scored against your monthly GST payable, not eligible ITC from GSTR-2B, since eligible ITC isn't its own field yet. Cash Position uses one reconciled balance, so multi-account concentration isn't scoreable. Net Margin only has net profit, so a gross/operating decomposition isn't scoreable. Each of these is a sequencing choice, not an oversight — they'll sharpen as the underlying ledgers do.
Where the benchmarks come from
01Liquidity thresholds — drawn from the RBI's Tandon Committee framework, the reference standard Indian banks have used to assess working-capital lending since 1975, plus cash-reserve conventions widely used by CFOs and advisors.
02Profitability benchmarks — published net-margin ranges by industry, cross-checked against India Inc-wide averages.
03Receivables aging curve — a simplified expected-credit-loss weighting in the spirit of Ind AS 109, the accounting standard Indian companies already use to provision for doubtful debts, adapted here into a live scoring curve rather than a period-end provision.
04GST/ITC leakage — scored as unclaimed input tax credit against your monthly GST payable, entered from your own records today. There's no line-item GSTR-2B reconciliation yet, so treat this vital as self-reported until GST sync goes live — every other vital in this build already carries a source tag for the same reason.
Built for your industry
Net Margin is benchmarked against your industry where we have real data for it — set yours on the Profile tab.
Manufacturing·Textiles & Apparel·Auto Components·Pharma & Chemicals·Trading & Distribution·Professional & IT Services·Other
— outside these, or in a category we haven't benchmarked yet, your score uses a cross-industry default.