Banks & NBFC

Poor delivery of credit in the Indian economy is majorly attributed to the lack of credible information on businesses. Currently the banks & finance companies rely heavily on the mortgage route to securely lend to businesses. This model has its shortcoming since a small business owners do not have properties to provide as mortgage and consequently are unable to grow in size and result of lack of working capital. Another hindrance to effective credit risk assessment is the prevalence of cash economies. Thirdly, the lack of quality credit assessors employed by banks & finance companies at local offices. In the process of extending credit to small enterprises, we provide support through:

Business Information
Smart Report ©  
- Multiple data sources
- Accurate information
- Intelligent risk modeling
- Direct feed to ERP
- Business deterioration
Application
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Extending credit facilities
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Risk based credit pricing
       to improve profitability


Database Re~search
Business owner
- Family &business linkages
- Net worth
- Risk evaluation
Application
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Extending credit facilities


Database Re~search
Competitor analysis
- Competitive business
   environment
- Risk evaluation
Application
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Extending Credit facilities


Consulting
Industry reports
Application
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Extending credit facilities
and risk based credit pricing
Consumer behavior
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Qualitative & Quantitative surveys
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Market sizing
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dynamics
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regulatory environment