Available now
In build
The whole team
Nineteen specialists, each with a defined job and an honest status label.
See all nineteenThe owner can see which standard loan-application requirements (bank statement history, ITR filings, GST returns, business vintage documents) they already have ready and which are missing, before they walk into a bank or NBFC.
Works with
What it does
Dena checks the owner's connected data (bank statement span, income tax filing recency, GST filing recency) against commonly published lender documentation checklists and shows a completeness scorecard. It never asks for or displays a credit score, never estimates loan eligibility, and never suggests a lender or loan amount.
Dena runs this directly on the platforms your customers already use — no separate app for them to install.
Industry use cases
9 industries where Dena applies this directly.
A car-servicing chain with three branch current accounts links all three via consent and uses the transaction timeline to review last quarter's parts-supplier payments before a stock reorder discussion, without exporting three separate PDFs from three bank apps.
See the automotive playbookA wholesale distributor preparing for a large enterprise customer's vendor-onboarding due diligence uses the GST-turnover cross-check to spot and explain a gap caused by a one-time equipment loan credit before the buyer's team flags it independently.
See the b2b sales playbookA boutique financial-advisory firm onboarding a new SME client uses the cash-flow summary and recurring-payment detector to prepare a discussion document ahead of a client meeting, with every figure traceable to the underlying consented transactions.
See the banking and finance playbookA freelance design consultant checks the loan-readiness checklist ahead of a bank meeting and discovers their bank-statement history falls short of the typical 12-month window lenders expect, so they wait two more months before applying.
See the freelancers and consultants playbookA physiotherapy clinic with two locations links both current accounts and sets a low-balance alert on each so the owner is notified immediately if either branch account dips below its operating buffer.
See the health and wellness playbookA custom-furniture workshop owner uploads last month's statement and asks Dena which transactions correspond to a particular large raw-material supplier, getting a cited list of matching debits instead of scrolling the PDF manually.
See the home decor and furnishing playbookA property brokerage with a mix of commission credits and vendor payouts uses the consolidated statement export to hand its CA one clean document covering the full financial year instead of five months of individually downloaded bank PDFs.
See the real estate playbookA restaurant owner reviews the recurring-payment detector before renegotiating a supply contract, confirming exactly how much has gone to a particular vendor each month over the last two quarters based on actual bank debits.
See the restaurants and food playbookA salon owner sets a minimum-balance alert just above their monthly rent NACH debit amount and gets notified two days before the debit date when the balance dips close to that threshold, giving them time to top up through their own banking app.
See the spas and salons playbookMore from Dena
The owner sees all their business bank accounts in one place after approving a time-bound, purpose-bound data-sharing consent — never by handing over a password.
Learn moreThe owner always knows exactly which accounts are linked, what data is shared, for how long, and can cut off access in one tap.
Learn moreThe owner sees every linked account's current balance in one screen instead of opening five different bank apps.
Learn moreThe owner can search and filter every transaction across all linked accounts from one timeline instead of scrolling separate bank statements.
Learn moreThe owner gets a plain-English summary of how much came in, went out, and the net trend over a chosen period without reading raw statements.
Learn moreThe owner sees which payments repeat every month (rent, subscriptions, salary credits, EMI debits) without manually spotting the pattern in a long statement.
Learn moreQuestions
Not yet. Dena is marked coming soon — the capability is specified, but the backend is still being built. We change the status only when it passes its release gate, rather than publishing a date we might miss.
Nothing yet. When Dena opens you will be able to start from the same Automix account you already use for Wavy.
Every agent runs on one Automix identity and one review model. Work handed between specialists keeps its context, and anything consequential still needs a human to approve it before it leaves the workspace.
This is a documentation-completeness checklist only, built from publicly known categories of lender paperwork (bank statement span, filing recency); it explicitly excludes credit scoring, approval probability, interest-rate estimation, or lender/product recommendations, all of which are regulated credit-advisory activity.
The rest of your stack
No rip-and-replace — check loan-application readiness before applying works alongside the systems already running your business.
Coming soon
