TerraLend
Where smart capital meets sustainable change
Created on 8th February 2026
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TerraLend
Where smart capital meets sustainable change
The problem TerraLend solves
Your project addresses the "Credit Gap" for MSMEs (Micro, Small, and Medium Enterprises) by replacing traditional, slow, and often biased loan processes with an AI-driven scoring system.
Financial Inclusion: Many small businesses lack formal credit histories. Your AI score analyzes alternative data to prove their creditworthiness.
Speed and Efficiency: Traditional bank approvals can take weeks. Your full-stack app automates the evaluation, giving an "AI Score" almost instantly.
Transparency: By providing a clear score, you give small business owners a better understanding of their financial standing and why they might (or might not) qualify for a loan.
Challenges we ran into
Issue 1: User Registration/Login Crashed
What happened: When someone tried to submit a loan application, the app crashed with an error saying "next is not a function."
Why it happened: Think of our code like a relay race . Each step passes a "baton" (called next) to the next step. Our password-saving step forgot to pass the baton, so the race stopped abruptly.
How we fixed it: We added the missing "pass the baton" instruction so the code continues running after saving the password.
Issue 2: AI Couldn't Understand Project Descriptions
What happened: The "Extract project details" button wasn't pulling out information like energy savings from the text users typed.
Why it happened: Our AI uses pattern-matching (like CTRL+F but smarter). It was looking for exact phrases like 50 kWh per year but users typed 30,000 kWh/year with commas and slashes — which didn't match.
How we fixed it: We taught the AI more patterns — like looking for numbers with commas, slashes, and words like "VRF" and "LED" for energy efficiency projects.