Working Capital is a financial metric that, despite its technical definition, is better understood in the literal sense of the term which is, ‘the capital that works’. As a production factor, it generates revenue and ensures the continued existence of the other three aspects, such as labour, land, and entrepreneurship. Working capital management entails controlling […]
Why Are Lenders Betting Big on Supply Chain Finance?
Micro, Small, and Medium Enterprises (MSMEs) are often considered the backbone of the Indian economy, and they account for approximately 30% of India’s GDP and employ close to 111 million individuals. The COVID-19 pandemic posed many challenges across industries and disrupted supply chains. The current Russia-Ukraine war and periodic lockdowns in China have added to […]
How Can Embedded Finance Be an Innovative Gateway for the Lending Industry?
Technology has advanced so dramatically over the last decade that consumers can order a ride before arriving at their destination. In addition, they can pay utility bills without leaving their homes. In today’s modern world, instant payment systems are a part of our everyday lives, but where does the money come from? The answer is […]
How Finezza’s Co-lending LMS Can Benefit Your Co-lending Process
Loan syndication by banks has always existed for large business loans. The real challenge is in the small and medium-sized enterprises (SMEs) market, which represents a significant share of the digital lending landscape in India. A conservative estimate puts this market at a whopping $300-$400 billion by 2025! The Indian finance industry has long used […]
Why Digital Lending Needs Factoring and Invoice Financing
It is common for companies to offer credit terms to their customers to increase sales and build customer relations. As a result, the company cannot access their money until the customers pay all the invoices. This leads to cash flow problems for the company, making it difficult to manage day-to-day operations and invest in the […]
What Does RBI’s Latest Digital Lending Guidelines Signify?
India’s digital lending market has grown considerably in recent years. Many fin-tech providers are offering easy loans to customers without collateral. While these loans are helpful for some customers who may be unable to get approved loans by a bank, the unregulated nature of this sphere proposed quite a few problems. Violations of customer data […]