Mini-project
Banking & Fintech
Cash-flow score for small business loans
Score a small business for a working capital loan from its bank statement and GST sales, not only collateral.
The brief
Small shops are refused loans because they own little property, even though their cash flow is healthy. Build a score from monthly bank inflows, GST sales, bounced payments and seasonality that estimates how much working capital a business can safely repay. Good looks like: a transparent score a loan officer can explain, tested on cases where the answer is known, and a check that it is not unfair to small women-owned shops.
What you will build
- Define the inputs from bank and GST records
- Generate 1,000 business profiles
- Build a rule-based score and a model score
- Test on cases with known repayment
- Check fairness across business types and gender
- Write loan-officer guidance
Free, open data to build it with
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