Introduction

Small Business professionals are Doctors, architects, professionals owning scan centres, skilled and unskilled workers like masons, carpenters, small contractors, electricians, plumbers etc. This business is independently owned with one or two employee helper models. Their cash flow is cyclical (daily/weekly etc) and one needs to understand their business model thoroughly.

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 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.