Introduction

Small Road Construction Operators are small businesses and small contractors and skilled professionals, who specialise in road construction work.   This operation requires hands-on experience and technical knowledge to use the machinery for tasks like excavation, digging, and site preparation while maintaining safety standards.     Most of the emerging operators have limited capex and opt for Used Construction Equipment / used Tipper purchase, and these operators have one or more equipment already, with critical skill/ knowledge on machine operation and who need finance.   Here these are predominantly owner-driven , thereby saving overhead costs on machine operation.  SMEIntellect has a team of professionals who have decades long experience in CE funding.

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.