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The Bebaak Navigator

Every engagement runs on
a navigation system —
not a spreadsheet.

Bebaak Navigator is the intelligence engine behind every client relationship. It turns your trial balance, bank statements, and compliance data into a single, explainable score — so you always know where your business stands, what comes next, and why.

From data to decision

Six steps.
Every number explainable.

1
Validation Engine
Data
Your bank statements, GST returns, and financials are checked for consistency — flagged before they ever feed a calculation.
2
Knowledge Graph
Knowledge
Validated data is mapped against your business structure — entities, debts, customers, and obligations — so every figure has context.
3
Metrics Engine
Insight
DSCR, TOL/TNW, current ratio, debtor days, and the rest are calculated directly from validated data — never estimated.
4
Rule Engine
Decision
Plain IF/AND/THEN rules — the same ones a bank credit committee uses — turn metrics into a specific, named issue and impact.
5
Scoring Engine
Action
Each pillar gets a 0–100 score with a ranked priority action — what to fix first, and what it moves.
6
Decision Card
Outcome
Issue, impact, recommendation, and expected outcome — delivered in plain language, with the "why am I seeing this" behind every line.
The seven pillars

One score.
Seven dimensions.

Every Navigator Score is a composite of seven pillars — the same dimensions a bank, investor, or credit committee actually evaluates. Nothing here is guessed — each pillar score traces back to a specific calculation on your own numbers.

💰
Cash
Runway · liquidity
Cash in bank against monthly burn — how many days of operations you can fund right now.
📈
Growth
Revenue trajectory
Revenue growth rate against your own history and stated targets.
🏦
Capital
Debt structure
Debt-to-revenue and TOL/TNW — how leveraged the business is against its own size.
⚠️
Risk
Exposure & concentration
Customer concentration, debtor ageing, and other exposure a lender would flag.
✅
Compliance
Filing & statutory health
GST, TDS, and statutory filing consistency — the checklist a bank's credit team reviews first.
📊
Profitability
Margin quality
Gross and operating margin — and whether the trend is improving or eroding.
🎯
Execution
Plan vs actual
Tracked over time once you're an active client — actual results against what was planned.
No black box
Every score shows its own reasoning
Open "why am I seeing this" on any Decision Card and you'll see the exact inputs, the exact rule that fired, and a confidence label for each — Data Confidence, Rule Confidence, and (only where genuinely used) AI Confidence. Nothing is presented as certain when it isn't.
What this protects you from
A score you can't trace back to your own numbers
Advice that sounds confident but isn't grounded
Surprises at the bank or investor table
Generic recommendations that ignore your specific structure
See your own score

Two minutes.
Your real Navigator Score.

Answer six quick questions about your business and get an instant, explainable score across all seven pillars — free, no signup required to see your result.

Get your free Navigator Score →
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