SmartCredit AI is a web-based credit evaluation system designed to help financial institutions assess small business loan applications using a structured, rule-based AI approach.
The system evaluates business information and generates a credit score and risk assessment to support faster and more consistent credit decisions.
Small businesses often face difficulties when applying for credit because traditional evaluation processes can be time-consuming and inconsistent.
SmartCredit AI provides a digital solution that collects business information, evaluates applications using predefined credit rules, and presents the results through an easy-to-use dashboard.
- 📝 Small business loan application
- 🤖 Rule-based AI credit evaluation
- 📊 Automated credit score calculation
- 📈 Credit risk assessment
- 👤 Customer account management
- 🏦 Admin dashboard
- 📋 Application management
- 💬 AI assistant / chatbot
- 📊 Credit evaluation results
- 🔐 Authentication and user management
- 📄 Business application details
The system uses a rule-based scoring approach to evaluate business applications.
The evaluation considers factors such as:
- Business category
- Annual revenue
- Business experience
- Business age
- Requested loan amount
- Other business-related information
The system generates a credit score and uses predefined rules to determine the applicant's credit evaluation result.
Note: This project demonstrates an academic/prototype rule-based AI approach rather than a production banking credit model.
- Register and login
- Submit credit applications
- Enter business information
- View application status
- View credit evaluation results
- Use the AI assistant
- Manage users
- Review applications
- View credit evaluations
- Manage system information
- Monitor the overall system
| Technology | Purpose |
|---|---|
| PHP | Backend development |
| MySQL | Database |
| HTML5 | Structure |
| CSS3 | Styling |
| JavaScript | Client-side functionality |
| Bootstrap 5.3.3 | Responsive UI |
| Chart.js | Data visualization |
| TCPDF | PDF generation |
| PHPMailer | Email functionality |
| XAMPP | Local development |
| Figma | UI/UX design |
The system follows a structured web application architecture with separate modules for:
SmartCredit AI
│
├── Authentication
├── Customer Module
├── Admin Module
├── Credit Evaluation
├── AI Assistant
├── Application Management
├── Database
└── Reporting
📂 Project Structure
SmartCredit-AI/
│
├── admin/
├── assets/
├── auth/
├── chatbot/
├── config/
├── cron/
├── includes/
├── tcpdf/
├── user/
├── index.php
└── .gitignore
🎯 Project Objectives
Automate small business credit evaluation
Reduce manual evaluation effort
Provide consistent credit scoring
Improve application processing
Present credit information clearly
Demonstrate the practical use of rule-based AI in financial systems
🚀 Future Improvements
Machine learning-based credit prediction
Advanced financial data analysis
Credit history integration
Real-time financial data integration
Improved fraud detection
Mobile application
Advanced analytics dashboard
🎓 Academic Project
Project: Smart Small Business Credit Evaluation System (AI-Based)
Developed by: Nawoda Hansanee
Programme: Higher National Diploma in Information Technology (HNDIT)
👩💻 Developer
Nawoda Hansanee
HNDIT Student | Aspiring Software Developer
Skills: PHP • Laravel • MySQL • Java • Android • Web Development
🔗 GitHub: https://github.com/nawoda27�
⭐ Project Status
🚧 Academic / Portfolio Project
The system is continuously being improved with new features and UI enhancements.
📄 License
This project is developed for academic and portfolio purposes.