Introduction

There are about 30 million SMEs in India who employ more than 60 million people by creating massive amount of jobs year upon year. After agriculture, small business is the second largest employer of human resources.

Small Service Executives are employees employed with MSME/SMEs in India and are a committed work force. There are vintage SME business houses with team structure transcending from Management Team, Leadership Team, Administration Team and Floor shop team. They have employees who demonstrate career-longevity and have different salary cycles viz.Daily/weekly/monthly.

We offer both secured and un-secured facilities to this segment.

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.