Biocog
🌱 AI-Powered Green Finance Platform

Fund a Better Planet
with Green Loans

Transform your GST invoices into instant green loan approvals. Every loan generates verified carbon credits, turning sustainability into profitability.

₹1.2B+
Loans Disbursed
8.5%
Avg Interest
45,000
Tons CO₂ Saved
96%
Approval Rate
🛡 Bank-Grade Security🏦 RBI Approved

Live Demo

Real-time
⚡ GST Invoice Analysis
Processing Ramesh Textiles invoice…
Business Revenue₹5,00,000
ESG Score87 / 100
Green Credit ScoreA+
Approved Loan₹12,00,000
@ 8.2% interest
🌿 Carbon Credits Generated
+245 Credits
Worth ₹18,375 in green incentives

Invoice-to-Loan Calculator

Transform your GST invoices into instant green loan pre-approvals with AI-powered credit scoring

ESG-Linked Calculation
  • ✔ Invoice amount × Payment history factor
  • ✔ ESG score from carbon baseline (ISO 14064-1)
  • ✔ Carbon credits boost loan eligibility up to 25%
  • ✔ Interest rate discount up to 3.5% for ESG score
Standards-Based Scoring
Loan eligibility calculated using ISO 14064-1 emission baselines, business risk weights, and carbon credit multipliers.
Preview
No invoice uploaded

Your Green Credit Score

AI-powered ESG rating based on your GST data, digital payments, and sustainability practices

Grade NA

Fair Credit

Consider improving your ESG practices for better rates

+ 0 points
This month
🛡 Bank Grade✅ Verified

Score Breakdown

Detailed contributions from data sources and verifications

Overall: 847
GST Transaction Data0/100
Contributing 0 points to overall score 30% weight
Digital Payment History0/100
Contributing 0 points to overall score 25% weight
ESG Practices0/100
Contributing 0 points to overall score 25% weight
Utility & Operating Bills0/100
Contributing 0 points to overall score 20% weight
Score Trends
+0
This Month
+0
Last Month
+0
3 Months

Credit Strengths

  • ✔ Consistent GST filing history
  • ✔ High digital payment adoption
  • ✔ Strong ESG compliance track record
  • ✔ Regular utility payment history

Improvement Areas

Utility Bill Optimization — Reduce energy consumption by 15% to improve score by 8–12 points
ESG Certification — Obtain ISO 14001 certification for 20+ point boost

Loan recommendations based on Your Green Credit Score

AI-powered ESG rating based on your GST data, digital payments, and sustainability practices

Green Development BankRecommended

Green Term Loan

95% Match
3–5 days
₹12L
Loan
8.2%
Interest
₹56.8K
EMI
Carbon Advantage
+245 Credits
Worth ₹18,375 in incentives
Approval Status
Pre-approved
Collateral: Not Required
Key Features:
✔No collateral
✔ESG rate discount
✔Flexible repayment

Green Development BankRecommended

Green Term Loan

95% Match
3–5 days
₹12L
Loan
8.2%
Interest
₹56.8K
EMI
Carbon Advantage
+245 Credits
Worth ₹18,375 in incentives
Approval Status
Pre-approved
Collateral: Not Required
Key Features:
✔No collateral
✔ESG rate discount
✔Flexible repayment

Green Development BankRecommended

Green Term Loan

95% Match
3–5 days
₹12L
Loan
8.2%
Interest
₹56.8K
EMI
Carbon Advantage
+245 Credits
Worth ₹18,375 in incentives
Approval Status
Pre-approved
Collateral: Not Required
Key Features:
✔No collateral
✔ESG rate discount
✔Flexible repayment

Government Subsidies & Schemes

Access CGTMSE and green finance schemes with one-click applications

CGTMSE Credit Guarantee
Government of India
Eligible
₹2 Crore
Max Amount
85%
Coverage
7 years
Tenure
Collateral-free loans for MSMEs with government guarantee
  • ✔ No collateral required
  • ✔ 85% credit guarantee
  • ✔ Quick processing
Application Deadline 31 Mar 2024
-633 days remaining
Green Credit Subsidy Scheme
Ministry of Environment
Eligible
₹50 Lakh
Max Amount
40%
Coverage
5 years
Tenure
Subsidy for adopting clean energy and sustainable practices
  • ✔ 40% capital subsidy
  • ✔ Carbon credit bonus
  • ✔ Tax benefits
Application Deadline 30 Jun 2024
-542 days remaining

Loans That Generate Carbon Credits

Every green loan you take creates verified carbon credits, turning sustainability into profitability

Green Loan Impact
Ramesh Textiles Pvt Ltd
Loan Amount:
₹12.0L
Purpose: Solar Panel Installation & Energy-Efficient Machinery
45.2
Tons CO₂ Reduced
22%
ROI Improvement
Impact Sectors:
Energy EfficiencyRenewable EnergyWaste Reduction
Payback Analysis
Loan payback period reduced to 18 months through carbon credit earnings
Carbon Credits Generated
Verified & Tradeable Assets
+245
Total Credits Generated
Worth ₹18,375
20
Credits/Month
₹75
Per Credit
Generation Progress:
Month 6 of 24
61 credits generated so far
Market Value
Credits are tradeable on major carbon exchanges at current market rates of ₹75–₹95 per credit