Introduction

The dealer finance program deals with “Business- Business-Customer B2B2C” and in all the cases the “C” viz., the Customer is the Dealer or Distributor. The supply chain finance ends with the dealer or distributor. In SMEIntellect, we take this concept to the next level of C+ where the end customer is the Retail shop owner who is into direct retailing and sells to the end customer. As most of the B2B2C programs, which are corporate linked programs, ends with the Dealers, the end-retail-shops are deprived of funding.

In SMEIntellect, we wish to engage with the business houses for a B2B2C+ tie-up, thereby enabling the end retailer with short term loans under FLDG with the Business House. This way the last mile touch point is funded, enabling quicker churn in their inventory which optimises sales. This falls under the core philosophy of SMEIntellect of “Seeing the Un-seen; Knowing the Un-known; and Reaching the Un-reached “.

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.