Digital MSME Loans
Digital MSME Loans provide fast, digital-first, non-collateralized working capital to MSMEs, addressing a major gap in financial services. Leveraging a 360° view of merchant data—including transactions, POS/QR activity, invoices, and customer patterns—AI-driven credit modeling enables banks to instantly extend personalized loans with configurable limits, interest rates, and repayment terms.
Fully integrated with mobile and merchant apps, the solution allows MSME merchants to apply, receive, and repay loans digitally, while human-in-the-loop validation and document management ensure compliance and risk control. By streamlining lending, banks can expand SME portfolios profitably, and merchants gain the liquidity needed to grow sustainably.
Highlights
AI-powered 360° assessment
Leverages transaction, POS, QR, and invoice data to build a real-time creditworthiness profile.
Document & financial analysis
Automated ratio, P&L, and cash flow analysis with human-in-the-loop validation.
Fully digital loan lifecycle
Instant application, approval, disbursal, and repayment through merchant or mobile banking apps.
Tailored loan configuration
Limits, interest rates, and terms aligned to merchant segments and bank risk frameworks.
Expands SME access to credit
Provides non-collateralized working capital at scale, addressing a historically underserved segment.