In India mom & pop stores aka Kiranas generally need short term credit to purchase inventory. Most of these stores don’t have a bank account or Bureau Score. Due to this, they can’t get loans from financial institutions like Banks. In absence of formal credit, retailers depend on informal credit, which is very expensive. In this case study, I will present how we have used just the sales transactions to create a creditworthiness score, which is as effective as a Bureau Score. Epay, one of the leading lenders in B2B space in India, is currently using our score for loan underwriting.