Introduction

Small Business Entrepreneurs are small business proprietary concerns, who run profitable business, keeping their overheads intact and mostly are managed by the Promoter/owner of the business. Besides their own funds, their growth is limited, for want of organised debt-capital. Albeit their good repayments, and sincere intentions to repay, due to lack of knowledge on account-hygiene, their growth and ambition is shunted. Their opportunities are limited, from getting loans from the organised mainstream banking.

SMEIntellect understands their working capital cycle, and growth ambitions and provide them with short-term un-secured working capital loans and secured long term business loans, to fuel their business growth ambitions. The loans help them pay recurring expenses like rent, wages or service accounts payables, for procuring raw materials or managing day-to-day business expenses to keep operations running smoothly even during a low revenue period.

How SMEIntellect is a differentiator

Quick Turnaround Time

Technologically enabled analytics leading to quicker loan disbursal

Competitive Interest Rates

Our pricing would be competitive and would be a “Risk-based-Pricing”  Model.

Flexible Repayment Tenors

Every business cycle is different from the other as it caters to diverse business and  industry segments.  Basis the Working Capital Cycle, we have repayment tenors as short as 100 days to as long as 5 years.

Flexible Payment Options

Payments can be made on the move through user friendly  mobile app and through a defined payment-gateway

Rewarding Good Repayment Behaviour

We are allowing rebates on interest for Prompt Repayments, thereby rewarding a good repayment behavior.

Ease of Documentation

We have a simplified documentation process, with the commercials explained vernacular to bring in transparency and fair practices.  We would be gradually migrating to E-documentation to bring down the disbursement time.