Introduction

Most of the SMEs have a sole-banking arrangement with their existing bankers, and when they see seasonal spike in their business, or when they get some additional orders, they don’t get timely support from mainstream banking. In order to meet their business commitments, they approach SMEIntellect for un-secured business loans. The SMEIntellect Team has product-specific program for diversified industry sector and have ” Knowledge-Champions” in our Team who can relate well with each industry sector. We have exclusive updated product-paper for different industry sector, which helps in our Knowledge-Based-Approach. Basis our better understanding of their business, our decision making process is quicker, leading to faster disbursals.

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.