Working-capital reviewDetectedBlocked
Average balance up 67% in 6 months
Vikas Nair · Nair Logistics · SME · C-10249
Trigger: Monthly average balance grew from ₹18.0 L to ₹30.0 L
Potential value
₹15.0 L
Potential, not realised
Supporting evidence
Recorded facts are read directly from records; inferences are rule-derived
Recorded facts
- 6-month average balances: ₹18.0 L → ₹20.0 L → ₹23.0 L → ₹25.0 L → ₹27.0 L → ₹30.0 LCASA balances
Inferences
- Balance growth of 67% may indicate rising business activityGrowth rule
Why it matters: Growing balances can signal expansion that may require additional working capital.
Why priority 45 (Blocked)
Weighted sum of transparent factors · weights set in Settings → Prioritisation
Urgency · No fixed deadline30 × 35% = 11
Potential value · ₹5 L – ₹20 L50 × 25% = 13
Evidence quality · Inferred60 × 20% = 12
Eligibility · Blocked by a restriction0 × 10% = 0
RM workload · 0 open actions for owner100 × 10% = 10
This is a ranking score, not a probability of conversion.
What remains uncertain
- Balance growth may be one-off receipts
- Revenue and GST data are not in this dataset
Validate before proceeding
- Review latest financials and order book
- Confirm funding requirement with customer
Value assumption
Indicative only: 50% of latest monthly average balance. Actual limit depends on credit assessment.
Prepare action
Drafts are for RM review — ProspectIQ never sends messages
Accept the recommendation to prepare drafts.
Notes & action history
History
Detected by rule on 8 Jul 2026. No actions yet.
Eligibility & contact checks
Bank restrictions applied before acting
KYC
KYC is valid
Contact consent
Customer consents to RM contact
Credit risk
Credit risk flag: 2 delayed EMIs in last 12 months
Not actionable until the failed check is resolved.
Recommended next action
Arrange a business review conversation
Owner
Lifecycle
Current status: Detected
Detected
Reviewed
Accepted
Actioned
Qualified
Converted