MSME Lending

Consider this - in a  year , Indians on average make  300 million E-Commerce transactions and 8 billion digital

Retail-tech platforms that cater to MSMEs can leverage Embedded Finance to unlock an alternate source of revenue, monetize their existing customer base, boost subscription revenues, and much more.

Traditional credit scoring is proving increasingly ineffective in the face of a diverse pool of new-to-credit borrowers. This is where alternative credit scoring comes in to enable those who don't have a credit history to take loans and repay them on time.

General trade forms the backbone of Indian retail. With the help of embedded finance, D2C brands in India can leverage the kirana store network to strategically push products and grow by up to 10x.

Cash Flow Based Lending enables tailored, short-term, small-sized credit products and risk assessment of MSMEs, based not on their balance sheet or assets, but on real-time cash flow data and will ease the $280 billion credit gap in the Indian MSME sector.

A new tech-driven model is boosting access for lending for MSMEs. However, there are certain unique challenges that this model must tackle. Read on for a look at what these are.

Buy Now Pay Later (BNPL) will revolutionise B2B Credit, MSME Lending, and provide large value to B2B E-Commerce platforms.

Credit Line addresses the multiple challenges of MSME Credit. Embedded Finance enables platforms to distribute these credit lines.

Embedded finance enables lending-as-a-feature aka Embedded credit. It’ enables MSME Credit, in B2B E-Commerce, FMCG, logistics, pharmaceutical, and agri sector.

Embedded Credit enables B2B E-Commerce platforms by creating a credit line for their merchants. This helps improve the platform's CLTV, AOV, and GMV.

How has Economic Slowdown affected lending? What can lenders do now?

FinBox wishes you a very Happy New Year. While 2018 was a momentous year for FinTechs with multiple