The COVID-19 pandemic has disrupted the growing world of small and medium-sized enterprises (SMEs). As with so much else in the downturn, the rules for the lending industry supporting these businesses need to be re-written. SME lending is a vital form of external finance to sustain small businesses and meet their cash flow and investment […]
Asset Based Vs. Cash Flow Lending: Understanding Differences
Access to credit is essential for business continuity and growth—especially for small and mid-sized enterprises navigating cash flow gaps or funding expansion. Short-term financing solutions such as cash flow lending offer a lifeline during uncertain periods and enable long-term progress when applied strategically. Today’s most widely used lending models are cash flow loans and asset-based […]
Is Cash Flow Lending the New Opportunity for SMEs?
The term ‘cash flow’ refers to the movement of money in and out of businesses. All the enterprises rely heavily on borrowed money from other commodities to actively function daily. Businesses derive the amount from their revenues as well as take it as loan from banks or other acquisitions. While applying for loans, the enterprises […]
OCEN – The Way Ahead for Digital Lending and MSMEs
Open Credit Enablement Network, a.k.a., OCEN is the new buzzword in the financial lending space. OCEN, launched in July 2020, is an open protocol infrastructure between Loan Service Providers such as e-commerce players and FinTechs and mainstream lenders such as banks and NBFCs. The OCEN framework aims to put a set of protocols and frameworks […]
What is Embedded Finance – Innovation That Took The Fintech World by Storm?
Every company at some point needs integrated financial services as a part of its service offering. Integrated financial services is an umbrella term that comprises different aspects related to finance such as payments, insurance, investments etc. This need was widely recognised as ‘Embedded Finance’. With the widespread adoption of digital technology by consumers across industries, […]
Can Embedded Finance Provide a Tough Challenge to Traditional Banking?
There’s a lot of buzz going around embedded finance. It has surely emerged as a phenomenon in the last few years. If it is a challenge to traditional banking could be the next puzzle. Before we clear that air for you, let us look at the last financial year and what it has to say. […]